A goal-oriented mutual-fund structure
The primary investment objective of the Scheme is to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments with a view to provide a retirement solution to investors.
Investors whose goal and access needs match the scheme's lock-in or exit rules.
Market risk plus any lock-in, exit restriction and goal-timing mismatch.
How the money may be invested
Equity & Equity related securities 65% - 80%Debt and Money Market instruments 20% - 35% Units issued by InvITs 0% - 10%
- SEBI category
- Retirement Fund
- Fund type
- An open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
- Primary benchmark
- CRISIL Hybrid 35+65-Aggressive Index
- Secondary benchmark
- N.A.
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Ms. Silky Jain and Mr. Yash Mehta (Equity portion); Mr. Gurvinder Singh Wasan (Fixed Income portion)
- Manager tenure on this scheme
- Since July 01,2026 (Ms. Silky Jain ), July 01,2026 (Mr. Yash Mehta) ; October 21, 2024 (Mr. Gurvinder Singh Wasan)
- Role / co-management
- Ms. Silky Jain and Mr. Yash Mehta (Equity portion); Mr. Gurvinder Singh Wasan (Fixed Income portion)
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| Baroda BNP Paribas Retirement Fund - Direct Plan - Growth Option | ₹12.0864 | 04 Sep 2026 |
| Baroda BNP Paribas Retirement Fund - Direct Plan - IDCW Option | ₹12.0864 | 04 Sep 2026 |
| Baroda BNP Paribas Retirement Fund - Regular Plan - Growth Option | ₹11.6421 | 04 Sep 2026 |
| Baroda BNP Paribas Retirement Fund - Regular Plan - IDCW Option | ₹11.6421 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 2.57%, Direct 1.18%
- Exit load
- Nil
- Minimum application
- 1000 · multiples of Rs. 1
- SIP frequency
- SIP - Daily, Weekly, Monthly, Quarterly SWP - Weekly, Monthly & Quarterly STP - Daily, Weekly, Fortnightly, Monthly & Quarterly
- Minimum SIP amount
- SIP - 500 for daily, weekly & monthly and 1500 for quarterly, SWP - Rs. 1000 for Weekly / Monthly and 1500 for quarterly, STP - Rs. 1000 for Daily / Weekly/ Fortnightly/Monthly and Rs. 1500 for quarterly
- Minimum instalments
- Refer to the current official scheme document.
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.