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Baroda Conservative Hybrid Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.25 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.13 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

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

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 0.66 -0.01 0.40 0.30 2.03 3.63 12.74 7.83 7.86 9.09 --
VR MIP TRI 0.18 -0.30 -0.12 -0.04 2.51 4.04 9.89 8.43 7.24 8.78 --
Hybrid: Conservative Hybrid 0.81 -0.11 0.30 0.78 2.67 4.81 8.41 6.85 7.43 9.26 --
Rank within category 30 7 10 32 29 30 3 9 10 15 --
Number of funds in category 39 39 39 39 38 38 36 36 31 25 0

As on 27-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.67 (04-Sep-2013 - 11-Sep-2013) -1.98 (13-Aug-2013 - 20-Aug-2013)
Month 5.11 (07-May-2014 - 06-Jun-2014) -3.59 (19-Jul-2013 - 20-Aug-2013)
Quarter 7.68 (12-Apr-2019 - 12-Jul-2019) -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 7.83 3.85 0.55 1.01 0.56 0.38
VR MIP TRI 8.83 4.11 0.76 1.17 -- --
Hybrid: Conservative Hybrid 7.28 4.30 0.43 0.73 0.78 -0.88
Rank within category 13 18 14 9 6 7
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 31-Dec-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 17
Number of Bonds 5
Average Maturity (yrs) 8.96
Top 10 Holdings (%) 89.31
Portfolio P/B Ratio 3.94
Portfolio P/E Ratio 29.70

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 66.10
equal 7.17% GOI 2028 GOI Securities SOV 3.63 - 33.55 5.25
equal 7.59% GOI 2026 GOI Securities SOV 2.86 - 6.94 4.14
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.47 - 3.59 2.14
equal 7.59% GOI 20/03/2029 GOI Securities SOV 1.43 - 3.46 2.08

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 HDFC Bank Financial 25.50 4.03 0.43 2.49
equal Infosys Technology 20.26 2.11 0.00 2.11
equal HDFC Financial 19.28 2.75 0.00 1.92
up Reliance Industries Energy 21.51 1.80 0.00 1.80
equal ICICI Bank Financial 36.03 2.30 0.00 1.28
equal Bajaj Finance Financial 51.71 1.26 0.00 1.26
equal Bharti Airtel Communication -- 0.91 0.00 0.91
equal Marico FMCG 35.95 1.38 0.00 0.75
equal United Spirits FMCG 65.92 0.71 0.00 0.71
equal Trent Services 137.48 0.63 0.00 0.63
up Bharat Electronics Engineering 14.18 0.48 0.00 0.46
up HCL Technologies Technology 15.66 0.74 0.00 0.45
equal State Bank of India Financial 27.77 1.30 0.00 0.40
equal Fortis Healthcare (India) Healthcare 99.94 0.39 0.00 0.39
equal Multi Commodity Exchange India Financial 32.23 0.76 0.00 0.35
new Muthoot Finance Financial 12.73 0.30 0.00 0.30
equal ABB Engineering 76.94 0.27 0.00 0.26

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-Dec-2019

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:


-0.02%

Change from previous, NAV as on 28-Jan-2020

Growth: ₹ 27.3508

Dividend Quarterly: ₹ 13.6767

Dividend Monthly: ₹ 14.6605


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: 9.15%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 25 Cr (As on 31-Dec-2019)
Expense: 1.36% (As on 31-Dec-2019)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly27-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
 27-Aug-20180.0475
 27-Jul-20180.0475
 27-Jun-20180.0475
 25-May-20180.0475
 27-Apr-20180.0475
 27-Mar-20180.0477
 27-Feb-20180.0477
 25-Jan-20180.0477
 27-Dec-20170.0477
Dividend Quarterly24-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: www.barodapioneer.in

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills, Hyderabad - 500034

Phone: 040-23312454

Email: [email protected]

Website: www.karvymfs.com

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