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4 star

Baroda Conservative Hybrid Fund


1 Lakh

Investment Grown to
₹ 1.40 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.21 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 5.85 -0.06 -0.36 0.38 3.22 6.69 10.12 11.78 8.29 8.54 8.75
VR MIP TRI 12.14 -0.12 -0.51 1.15 6.54 10.83 19.49 12.24 9.77 9.33 9.88
Hybrid: Conservative Hybrid 10.02 -0.10 -0.40 0.69 3.83 8.16 15.52 9.32 7.17 8.13 9.03
Rank within category 30 13 21 23 22 23 30 4 7 10 17
Number of funds in category 33 36 36 36 36 35 33 30 30 28 26

As on 22-Oct-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Baroda Conservative Hybrid Fund
4 star
Sep-04 10.12 11.78 8.29 2.16% 31
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 20.54 12.70 8.37 1.10% 4,122
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 14.70 11.33 9.44 1.73% 3,380
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 22.02 11.74 8.20 1.81% 2,661
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 21.34 14.21 9.33 1.95% 1,050

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.49 24-Sep-2007 - 01-Oct-2007 -4.73 04-Dec-2007 - 11-Dec-2007
Month 5.64 31-Aug-2007 - 01-Oct-2007 -4.80 20-Feb-2020 - 23-Mar-2020
Quarter 7.95 23-Mar-2020 - 22-Jun-2020 -5.34 21-May-2013 - 20-Aug-2013
Year 19.51 03-Sep-2013 - 03-Sep-2014 -2.82 01-Oct-2007 - 30-Sep-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.10 3.55 2.01 3.58 0.33 4.83
VR MIP TRI 10.89 6.85 1.01 1.24 -- --
Hybrid: Conservative Hybrid 8.72 6.31 0.88 1.01 0.68 0.08
Rank within category 4 1 1 1 2 1
Number of funds in category 30 30 30 30 30 30

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

As on 30-Sep-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 46
Number of Bonds 8
Average Maturity (yrs) 4.46
Top 10 Holdings (%) 60.57
Portfolio P/B Ratio 3.88
Portfolio P/E Ratio 27.26

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
down 6.45% GOI 2029 GOI Securities SOV 25.12 - 49.82 25.12
equal 7.58% Tamilnadu State 24/08/2026 State Development Loan SOV 0.00 - 13.61 13.61
new 7.70% Shriram City Union Finance 21/12/2022 Non Convertible Debenture AA 0.00 - 4.78 4.78
equal 7.17% GOI 2028 GOI Securities SOV 3.57 - 5.29 4.39
equal 7.59% GOI 2026 GOI Securities SOV 2.81 - 4.15 3.43
down 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 17.62 3.21
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.45 - 2.13 1.77
equal 7.59% GOI 20/03/2029 GOI Securities SOV 1.40 - 2.08 1.72

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 Nippon Life India Asset Management Financial 39.52 1.32 0.00 1.32
equal Axis Bank Financial 29.64 1.26 0.00 1.22
equal ICICI Bank Financial 26.31 2.30 0.25 1.12
equal Dabur India FMCG 58.40 1.07 0.00 0.79
equal Sun Pharmaceutical Industries Healthcare 32.54 1.17 0.00 0.78
equal SBI Cards & Payments Services Financial 118.77 0.66 0.00 0.66
equal Can Fin Homes Financial 18.74 0.66 0.00 0.66
equal Kotak Mahindra Bank Financial 43.30 0.64 0.00 0.64
equal Ashok Leyland Automobile -- 0.64 0.00 0.64
equal Tata Steel Metals 7.50 0.62 0.00 0.62
equal HCL Technologies Technology 28.09 0.74 0.00 0.61
new Balkrishna Industries Automobile 34.91 0.61 0.00 0.61
equal Persistent Systems Technology 57.69 0.59 0.00 0.59
equal Larsen & Toubro Construction 20.20 1.58 0.00 0.54
equal Indusind Bank Financial 27.01 0.75 0.00 0.53
down Infosys Technology 34.62 2.66 0.00 0.53
equal Aditya Birla Fashion and Retail Services -- 0.51 0.00 0.51
equal HDFC Bank Financial 27.22 4.03 0.00 0.51
new Sansera Engineering Automobile 35.51 0.51 0.00 0.51
equal Mphasis Technology 46.01 0.50 0.00 0.50
up Fortis Healthcare Healthcare 58.11 0.50 0.00 0.50
equal Dalmia Bharat Construction 28.38 0.50 0.00 0.50
equal Nestle India FMCG 81.77 0.47 0.00 0.47
equal Sterlite Technologies Communication 27.62 0.46 0.00 0.46
equal Tech Mahindra Technology 30.62 0.64 0.00 0.44

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-2021

Fund Manager

— Alok Sahoo since 01-Jan-2021

Education: Mr. Sahoo is a B.E and PGDM from XIM Bhubaneshwar.

Experience: Prior to joining Baroda AMC he has worked with UTI Mutual Fund and HSBC Mutual Fund.

Funds Managed:

— Sanjay Chawla since 23-Jul-2021

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:


-0.06%

Change from previous, NAV as on 22-Oct-2021

Growth: ₹ 30.8042

IDCW Quarterly: ₹ 14.5952

IDCW Monthly: ₹ 15.2417


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
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Baroda Mutual Fund
Launch Date: 08-Sep-2004
Return Since Launch: 6.79%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 31 Cr (As on 30-Sep-2021)
Expense: 2.16% (As on 30-Sep-2021)
Risk Grade: Low
Return Grade: Above Average
Turnover: 69.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly27-Sep-20210.0660

 27-Aug-20210.0660
 27-Jul-20210.0660
 25-Jun-20210.0660
 27-May-20210.0660
 27-Apr-20210.0660
 26-Mar-20210.0660
 26-Feb-20210.0660
 27-Jan-20210.0660
 24-Dec-20200.0660
 27-Nov-20200.0660
 27-Oct-20200.0660
 25-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
IDCW Quarterly27-Sep-20210.3000

 25-Jun-20210.2000
 23-Mar-20210.2000
 24-Dec-20200.2000
 25-Sep-20200.2000
 26-Jun-20200.2000
 24-Mar-20200.1441
 24-Dec-20190.1441
 04-Oct-20190.1441
 27-Jun-20190.1441
 22-Mar-20190.1441
 26-Dec-20180.1441
 25-Sep-20180.1441
 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

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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