Investment Objective and Approach

The primary objective of the Scheme is to provide income consistent with the prudent risk from a portfolio comprising investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 6 months - 12 months. The fund follows a conservative investment approach by:

- Maintaining a portfolio of high-rated debt and money market instruments

- Achieving a balance of safety, liquidity and yield with a Macaulay duration of around 6 to 12 months

- Making it suitable for investors looking to earn regular income on short term surplus money

- Operating as a low-interest rate risk and moderate credit risk scheme

- Focusing on capital preservation while generating steady income

The fund invests primarily in high-quality debt securities and money market instruments, making it suitable for conservative investors seeking better returns than traditional savings accounts or short-term deposits.

Fund Managers

The Baroda BNP Paribas Low Duration Fund is managed by experienced fund management professionals with extensive expertise in debt market investments. Based on the AMC's overall fund management team, the fund benefits from the collective experience of professionals who have previously worked with renowned institutions like ICICI Securities, Nippon Life Asset Management, Sundaram Mutual Fund, and other leading financial organizations.

The fund house has a stellar team of investment experts with 300+ years of cumulative asset management experience. The fund managers bring deep understanding of credit analysis, interest rate movements, and duration management to optimize returns while managing risk effectively.

About the Fund House (AMC)

Baroda BNP Paribas Mutual Fund is a joint venture between the Bank of Baroda and BNP Paribas Asset Management Asia Ltd. The entities merged effectively on March 14, 2022, with Bank of Baroda holding a 50.1% stake in the merged entity, while BNP Paribas AMC holds the remaining 49.9%.

Key highlights of the AMC include:

- Backed by Bank of Baroda and BNP Paribas AM, institutions that have more than 100 years of expertise

- Touchpoints at more than 121+ Indian cities to service investors and distributors

- Serving over a million investor folios and 25,400+ distributors

- 42 schemes across a wide variety of categories for varied financial needs

- As of 31 March 2024, the company's AUM stood at Rs 35,646.45 crores

At Baroda BNP Paribas Mutual Fund they aim to create a positive impact on people's lives by delivering sustainable value for their investments. The partnership combines Bank of Baroda's leading position in India's public sector banking with BNP Paribas Asset Management's global reach and European financial services expertise.

Should I Invest in Baroda BNP Paribas Low Duration Fund?

This fund may be suitable for you if you:

Ideal for:

- Conservative investors seeking stable income with low volatility

- Those with surplus funds for 6 months to 2 years investment horizon

- Investors looking for better returns than savings accounts or short-term FDs

- Risk-averse investors who want to park emergency funds or short-term savings

- Those seeking regular income generation with capital preservation

Key Considerations:

- The fund has delivered returns of 7.80% in the last 1 year and 20.93% in the last 3 years as of December 2024

- The fund has an AUM of ₹228.03 crores as of December 2024

- Minimum investment required is ₹5,000 for lump sum and ₹500 for SIP

- Suitable for short to medium-term financial goals

- Lower returns compared to equity funds but with significantly reduced risk

Not suitable for:

- Long-term wealth creation goals

- Investors seeking high growth potential

- Those comfortable with market volatility for higher returns

FAQs

What is today's NAV of Baroda BNP Paribas Low Duration Fund?

The NAV changes daily. You can check the latest NAV on the fund house website, financial platforms like Allvest, or financial newspapers. The NAV is declared after market hours.

What is the AUM of Baroda BNP Paribas Low Duration Fund?

The fund has an AUM of ₹228.03 crores as of December 2024. AUM indicates the total value of assets under management and reflects investor confidence in the fund.

What is the expense ratio of Baroda BNP Paribas Low Duration Fund?

The expense ratio details can be found in the fund's factsheet or official website. Direct plans typically have lower expense ratios compared to regular plans, making them more cost-effective for investors.

What are the returns of Baroda BNP Paribas Low Duration Fund since inception?

The fund has delivered 140.61% returns since its inception. However, past performance doesn't guarantee future returns, and debt fund returns can vary with interest rate cycles.

What is the minimum SIP amount to invest in Baroda BNP Paribas Low Duration Fund?

The minimum SIP amount is ₹500 per month. This makes it accessible for regular investors looking to invest systematically in debt instruments.

How do I invest in Baroda BNP Paribas Low Duration Fund?

You can invest through Allvest's platform, the AMC's official website, or through registered mutual fund distributors. Online platforms offer convenient investment options with digital KYC completion.

How to start a SIP in Baroda BNP Paribas Low Duration Fund?

Register on Allvest or the AMC's website, complete your KYC, select the fund, choose SIP option, set the amount and frequency. Your SIP will auto-debit from your bank account monthly.

How do I automate an SIP in Baroda BNP Paribas Low Duration Fund?

After starting your SIP through Allvest or the fund house, provide an auto-debit mandate. This ensures automatic monthly deductions from your bank account without manual intervention.

How can I withdraw/redeem my investment in Baroda BNP Paribas Low Duration Fund?

Log into your investment account on Allvest or the AMC portal, select the fund, choose redemption option, specify the amount or units to redeem. The amount will be credited to your registered bank account within 1-3 working days.