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5 star

Baroda Conservative Hybrid Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.25 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • 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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(₹)
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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 9.99 0.07 0.10 0.97 1.59 7.98 11.37 9.16 8.92 10.14 --
VR MIP TRI 3.58 0.08 -0.06 1.49 2.80 10.40 5.82 6.72 7.65 8.75 --
Hybrid: Conservative Hybrid 3.85 0.11 0.18 0.90 2.99 8.48 5.78 4.96 7.17 9.24 --
Rank within category 2 31 22 26 34 23 3 2 7 8 --
Number of funds in category 38 38 38 38 38 38 37 35 32 29 0

As on 20-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Conservative Hybrid Fund - Direct Plan
5 star
Jan-13 11.37 9.16 8.92 1.19 26
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.87 8.25 9.61 1.13 2,115
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 5.69 4.56 6.90 1.47 2,331
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.64 3.91 6.59 1.15 1,638
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 3.15 2.48 7.37 1.18 1,169

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.67 (04-Sep-2013 - 11-Sep-2013) -3.14 (11-Mar-2020 - 18-Mar-2020)
Month 5.11 (07-May-2014 - 06-Jun-2014) -4.73 (20-Feb-2020 - 23-Mar-2020)
Quarter 8.16 (23-Mar-2020 - 22-Jun-2020) -5.15 (21-May-2013 - 20-Aug-2013)
Year 20.59 (03-Sep-2013 - 03-Sep-2014) 0.48 (11-Sep-2017 - 11-Sep-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.71 4.11 0.89 1.73 0.37 3.11
VR MIP TRI 6.50 6.53 0.22 0.25 -- --
Hybrid: Conservative Hybrid 5.01 7.13 0.07 0.14 0.85 -1.28
Rank within category 2 2 1 1 2 1
Number of funds in category 36 36 36 36 36 36

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

As on 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 39
Number of Bonds 6
Average Maturity (yrs) 6.54
Top 10 Holdings (%) 71.42
Portfolio P/B Ratio 3.06
Portfolio P/E Ratio 30.07

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 6.45% GOI 2029 GOI Securities SOV 0.00 - 66.10 49.70
equal 7.17% GOI 2028 GOI Securities SOV 4.90 - 6.35 5.26
equal 7.59% GOI 2026 GOI Securities SOV 3.86 - 4.98 4.13
equal 8.75% Muthoot Finance 19/06/2021 Bonds/NCDs AA 0.00 - 4.41 3.87
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.99 - 2.58 2.13
equal 7.59% GOI 20/03/2029 GOI Securities SOV 1.93 - 2.52 2.07

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 Reliance Industries Energy 34.31 1.80 0.00 1.53
equal Hindustan Unilever FMCG 74.51 1.14 0.00 0.98
up Tata Consultancy Services Technology 33.53 1.48 0.00 0.95
equal Bharti Airtel Communication -- 1.19 0.00 0.80
down ICICI Bank Financial 28.11 2.30 0.56 0.68
equal SBI Cards & Payments Services Financial 67.82 0.65 0.00 0.65
equal SBI Life Insurance Company Financial 55.58 0.69 0.00 0.62
equal Britannia Inds. FMCG 47.73 1.04 0.00 0.58
equal Dabur India FMCG 65.56 1.07 0.00 0.58
equal Metropolis Healthcare Healthcare 92.35 0.57 0.00 0.55
equal Tech Mahindra Technology 20.32 0.63 0.00 0.45
equal Crompton Greaves Consumer Electricals Cons Durable 40.38 0.45 0.00 0.45
equal Alkem Laboratories Healthcare 23.34 0.47 0.00 0.42
equal Apollo Hospitals Healthcare 162.53 0.41 0.00 0.41
new Gillette FMCG 75.36 0.41 0.00 0.41
equal Page Industries Textiles 119.11 0.41 0.00 0.41
equal Tata Power Energy 16.52 0.46 0.00 0.41
up Hindalco Inds. Metals 20.35 1.04 0.00 0.40
equal Escorts Automobile 33.84 0.55 0.00 0.40
equal Shree Cement Construction 51.36 0.41 0.00 0.39
equal City Union Bank Financial 24.87 0.49 0.00 0.37
equal Natco Pharma Healthcare 38.22 0.36 0.00 0.36
equal Gujarat Gas Chemicals 19.37 0.38 0.00 0.35
up HPCL Energy 6.54 0.34 0.00 0.34
equal Sanofi India Healthcare 44.36 0.35 0.00 0.33

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 30-Sep-2020

Fund Manager

— Hetal P Shah since 01-Jan-2013

Education: Ms. Hetal P. Shah is a B.Com, MBA, and JAIIB.

Experience: Prior to joining Baroda AMC she has worked with Bank of India from may 1999.

Funds Managed:


0.07%

Change from previous, NAV as on 20-Oct-2020

Growth: ₹ 29.8933

Dividend Quarterly: ₹ 14.2003

Dividend Monthly: ₹ 15.4702


Investment Strategy

The scheme aims to provide monthly income by investing in debt and money market instruments and also to generate long-term capital appreciation by investing a portion in equity and equity-related 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 0

Basic Details

Fund House: Baroda Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.50%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 26 Cr (As on 30-Sep-2020)
Expense: 1.19% (As on 31-Aug-2020)
Risk Grade: Low
Return Grade: High
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-Sep-20200.0660

 27-Aug-20200.0660
 27-Jul-20200.0660
 26-Jun-20200.0660
 27-May-20200.0660
 27-Apr-20200.0660
 27-Mar-20200.0475
 27-Feb-20200.0475
 27-Jan-20200.0475
 27-Dec-20190.0475
 27-Nov-20190.0475
 25-Oct-20190.0475
 27-Sep-20190.0475
 27-Aug-20190.0475
 26-Jul-20190.0475
 27-Jun-20190.0475
 27-May-20190.0475
 26-Apr-20190.0475
 27-Mar-20190.0475
 27-Feb-20190.0475
 25-Jan-20190.0475
 27-Dec-20180.0475
 27-Nov-20180.0475
 26-Oct-20180.0475
 27-Sep-20180.0475
Dividend Quarterly25-Sep-20200.2000

 26-Jun-20200.2000
 24-Mar-20200.1441
 24-Dec-20190.1441
 04-Oct-20190.1441
 27-Jun-20190.1441
 02-Jul-20180.1441
 16-Mar-20180.1445
 29-Dec-20170.1445
 27-Sep-20170.1445
 30-Jun-20170.1445
 24-Mar-20170.1445
 30-Dec-20160.1228
 30-Sep-20160.1445
 24-Jun-20160.1445
 23-Mar-20160.1445
 30-Dec-20150.1445
 28-Sep-20150.1445
 26-Jun-20150.1445
 27-Mar-20150.1452
 26-Dec-20140.2178
 30-Sep-20140.2338

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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