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Baroda Hybrid Equity Fund - Direct Plan

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Hybrid: Aggressive Hybrid

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1 Lakh

Investment Grown to
₹ 1.15 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.16 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 13.04 0.95 2.15 8.90 13.89 27.57 13.89 4.88 9.43 11.61 --
VR Balanced TRI 9.66 0.82 1.93 9.58 14.53 27.26 10.68 10.19 11.72 12.03 --
Hybrid: Aggressive Hybrid 11.33 0.71 1.89 9.15 13.11 26.13 11.98 6.96 10.55 13.79 --
Rank within category 11 7 12 25 13 13 12 25 16 16 --
Number of funds in category 43 44 44 44 43 43 42 32 25 23 0

As on 04-Dec-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Hybrid Equity Fund - Direct Plan
2 star
 Jan-13 13.89 4.88 9.43 1.84 410
SBI Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
 Jan-13 10.45 9.15 11.77 1.02 31,773
DSP Equity & Bond Fund - Direct Plan  | Invest Online
4 star
 Jan-13 15.16 9.50 12.47 0.87 5,587
Mirae Asset Hybrid Equity Fund - Direct Plan  | Invest Online
5 star
 Jul-15 12.38 10.39 13.97 0.40 3,824
Canara Robeco Equity Hybrid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 17.72 11.72 12.67 0.85 3,567

Best & Worst Performance

Best (Period) Worst (Period)
Week 8.01 (03-Sep-2013 - 10-Sep-2013) -13.54 (11-Mar-2020 - 18-Mar-2020)
Month 14.19 (07-May-2014 - 06-Jun-2014) -28.61 (20-Feb-2020 - 23-Mar-2020)
Quarter 22.53 (23-Mar-2020 - 22-Jun-2020) -26.23 (23-Dec-2019 - 23-Mar-2020)
Year 48.22 (03-Sep-2013 - 03-Sep-2014) -24.89 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.19 16.56 0.02 0.02 0.88 -4.60
VR Balanced TRI 10.49 18.01 0.31 0.36 -- --
Hybrid: Aggressive Hybrid 7.38 17.31 0.15 0.17 0.91 -2.62
Rank within category 29 12 29 29 8 28
Number of funds in category 34 34 34 34 34 34

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Nov-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 39
Top 10 Holdings (%) 45.50
Top 5 Holdings (%) 31.14
Top 3 Sectors (%) 46.49
Portfolio P/B Ratio 2.78
Portfolio P/E Ratio 25.12
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 9.20% ICICI Bank 31/12/2050 Bonds AA+ 4.19 - 8.73 6.79
equal 8.65% Bank of Baroda 2022 Debenture AA+ 2.65 - 3.91 3.46
equal 5.05% Indian Oil Corp. 25/11/2022 Debenture AAA 0.00 - 1.79 1.73
equal 11.00% Motilal Oswal Home Finance 2026 Bonds A+ 0.00 - 1.50 1.50
equal 9.72% Punjab State 28/08/2023 State Development Loan SOV 1.04 - 1.51 1.37
equal HDFC Bank 28/12/2028 Debenture AAA 0.00 - 1.41 1.37
equal 8.99% Bank of Baroda Non Convertible Debenture AA+ 0.00 - 1.61 1.25
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.78 - 1.98 1.10
equal 8.75% Muthoot Finance 19/06/2021 Bonds/NCDs AA 0.74 - 1.09 1.00
equal 7.83% IRFC 21/03/2027 Bonds AAA 0.50 - 0.74 0.69
equal Dewan Housing Fin. Corpn. 2023 Non Convertible Debenture D 0.35 - 0.86 0.37
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 0.27 - 0.39 0.36
equal 7.59% GOI 2026 GOI Securities SOV 0.20 - 0.29 0.27
equal 7.88% GOI 19/03/2030 GOI Securities SOV 0.14 - 0.21 0.19
equal 9.30% Dewan Housing Fin. Corpn. 16/08/2026 Bonds/NCDs D 0.05 - 0.11 0.05
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 0.02 - 0.03 0.03
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 0.01 0.01
equal Yes Bank Bonds/NCDs D 0.00 - 0.00 0.00

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 24.89 7.84 1.63 7.67
up Infosys Technology 27.07 6.21 0.00 6.21
down Reliance Industries Energy 32.27 8.01 0.00 5.27
equal HDFC Bank Financial 25.79 9.61 2.36 5.20
equal Hindustan Unilever FMCG 73.35 3.46 0.00 3.29
down HDFC Financial 25.00 6.96 0.00 2.58
equal Bharti Airtel Communication -- 3.39 0.00 2.54
equal Escorts Automobile 32.05 2.91 0.00 2.49
down Tech Mahindra Technology 22.38 2.84 0.00 2.48
equal City Union Bank Financial 32.44 3.05 1.02 2.27
up SBI Life Insurance Company Financial 53.54 2.25 0.00 2.25
up Dabur India FMCG 59.12 2.56 0.00 2.19
equal SBI Cards & Payments Services Financial 72.25 2.03 0.00 1.95
equal Atul Chemicals 30.30 1.91 0.00 1.91
equal Alembic Pharmaceuticals Healthcare 18.68 2.10 0.00 1.77
up Hindalco Inds. Metals 40.29 2.36 0.00 1.59
down Crompton Greaves Consumer Electricals Cons Durable 43.49 1.54 0.00 1.46
equal Mahindra & Mahindra Automobile -- 1.50 0.00 1.45
equal Maruti Suzuki India Automobile 58.02 3.49 0.00 1.45
equal Ultratech Cement Construction 24.55 1.50 0.00 1.34
down Axis Bank Financial 53.00 4.14 0.00 1.32
equal Titan Company Cons Durable 181.04 1.29 0.00 1.28
equal HCL Technologies Technology 19.12 3.02 0.00 1.27
up Tata Power Energy 21.44 1.27 0.00 1.27
up Dalmia Bharat Construction 47.29 1.23 0.00 1.23

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2020

Fund Manager

— Dipak Acharya since 01-Jan-2013

Education: Mr.Acharya is M.Com., AICWA, CAIIB & PGPMS

Experience: Prior to joining Baroda AMC in 2008 he has worked with BOB.

Funds Managed:

— Sanjay Chawla since 01-Nov-2015

Education: Mr. Sanjay Chawla holds a Masters degree in Management Studies from BITS, Pilani.

Experience: Prior to joining Baroda Mutual Fund, he worked as Senior Fund Manager with BSL AMC. Before joining Birla, he worked as Head of Research with SBI Capital Markets and has worked in various capacities in equity research space in Motilal Oswal Securities, IDBI Capital Markets, SMIFS Securities, IIT Invest Trust & Lloyds Securities.

Interviews:

Funds Managed:

0.95%

Change from previous, NAV as on 04-Dec-2020

Growth: ₹ 68.0600

Dividend: ₹ 18.4000

Investment Strategy

The scheme aims to provide long term capital appreciation along with stability through a well balanced portfolio comprising of equity, equity related instruments, highly rated debt portfolio and money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 1
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: Baroda Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 10.72%
Benchmark: CRISIL Hybrid 35+65 Aggressive TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 410 Cr (As on 31-Oct-2020)
Expense: 1.84% (As on 31-Oct-2020)
Risk Grade: Average
Return Grade: Below Average
Turnover: 83.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend25-Sep-20200.3000

 26-Jun-20200.3000
 24-Mar-20200.2656
 24-Dec-20190.2922
 04-Oct-20190.2922
 27-Jun-20190.3010
 22-Mar-20190.2922
 26-Dec-20180.3099
 26-Sep-20180.3542
 02-Jul-20180.3542
 16-Mar-20180.6000
 29-Dec-20170.5000
 27-Sep-20170.5000
 30-Jun-20170.4000
 24-Mar-20170.4000
 30-Dec-20160.5000
 30-Sep-20160.5000
 24-Jun-20160.5000
 23-Mar-20161.0000
 30-Dec-20151.5000
 28-Sep-20151.9000
 26-Jun-20154.0000
 30-Jan-201510.0000
 17-Jan-20143.5000

Contact Information

AMC: Baroda Asset Management India Ltd

Address: 501, Raheja Titanium, Western Express Highway, Goregoan, (E) Mumbai - 400063

Phone: +91 22-3074 1000

Fax: +91 22-3074 1001

Email: [email protected]

Website: http://www.barodapioneer.in

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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