₹10,000 SIP grows to ₹15.42 lakh in 8 years as Baroda BNP Paribas BAF crosses ₹5,000 crore AUM

A ₹1 lakh investment made at inception in the Baroda BNP Paribas Balanced Advantage Fund would have grown to ₹2,62,961 by the end of August 2026, according to data released by the fund house.

An investor who started a ₹10,000 monthly SIP in the scheme at inception would have accumulated ₹15.42 lakh over the same period.

The fund has crossed the ₹5,000 crore assets under management (AUM) milestone as it approaches its eighth anniversary.

Fund outperforms benchmark over multiple periods

The scheme's Regular Plan delivered a 13.20% CAGR since inception, compared with 10.21% for its benchmark, the Nifty 50 Hybrid Composite Debt 50:50 Index.

The fund also delivered higher returns than the benchmark over one-, three- and five-year periods.

Returns as of end-August 2026

₹10,000 monthly SIP grows to ₹15.42 lakh

A ₹1 lakh investment made when the scheme was launched would have grown to ₹2,62,961 by the end of August 2026, according to the fund house.

The scheme's SIP return was 10.8% over one year and 12.75% on a compounded annualised basis since inception.

An investor who had started a ₹10,000 monthly SIP from the scheme's inception would have accumulated ₹15.42 lakh by the end of August 2026.

Dynamic asset allocation across market cycles

The fund dynamically adjusts its net equity exposure between 30% and 100% using a multi-factor asset allocation model.

Baroda BNP Paribas Asset Management uses a proprietary valuation model that considers multiple valuation parameters to guide the fund managers on the relative allocation between equity and debt.

Diversified portfolio across asset classes

As of end-August 2026, 80.6% of the scheme's assets were invested in equity, with the balance in debt, cash and other assets.

Within the equity portfolio, 67.7% was allocated to large-cap stocks, 24.6% to mid-cap stocks and 7.7% to small-cap stocks.

The debt portfolio comprised 48.8% sovereign and highest-credit-rated instruments, 36.3% cash and cash equivalents, and 15% AA/AA+ instruments.

Jitendra Sriram, Kushant Arora and Neeraj Saxena manage the equity allocation of the scheme, while Prashant Pimple manages the fixed-income allocation.

Meanwhile, the broader Balanced Advantage Fund category remains competitive, with HDFC, ICICI Prudential, SBI, Kotak and Nippon India among the largest schemes by AUM. Their recent 3- and 5-year returns show notable differences across funds, highlighting how performance can vary even within the same category.