Baroda PNB Paribas Debt Mutual Funds
Best Mutual Funds 2024
Returns
Sort by
Need Loan Assistance?
Connect with Loan Advisor Now!
Top 10 Amc
Best Debt Mutual Funds
- SBI Magnum Gilt Fund - Growth - Direct Plan
- Axis Gilt Fund - Growth - Direct Plan
- HDFC Credit Risk Debt Fund - IDCW - Direct Plan
- Nippon India Nivesh Lakshya Fund - Growth - Direct Plan
- UTI Gilt Fund - Growth - Direct Plan
- ICICI Prudential Gilt Fund - IDCW - Direct Plan
- Tata Gilt Securities Fund - IDCW - Direct Plan
- Canara Robeco Gilt Fund - Growth - Direct Plan
- DSP Gilt Fund - Growth - Direct Plan
- Mirae Asset Dynamic Bond Fund - Growth - Direct Plan
- Sundaram Ultra Short Duration Fund - Weekly IDCW
- Franklin India Credit Risk Fund - Growth
- L&T Ultra Short Term Fund - Bonus - Direct Plan
- Motilal Oswal Ultra Short Term Fund - Quarterly IDCW - Direct Plan
Investment Objective
In the short to medium term, Baroda BNP Paribas debt mutual fund seeks to offer investors a steady income stream while maintaining capital security. These funds invest in fixed-income securities such as government, treasury bills, and other money market instruments. The ratings assist in determining the issuer's dependability concerning the repayment of principal and interest at maturity. The fund manager will select the debt securities based on the fund's investment goal and underlying ratings. The Baroda BNP Paribas debt mutual fund return will be in the form of interest payments and a steady rise in the fund's value over the specified time frame. However, the Baroda BNP Paribas debt mutual fund performance does not ensure that the investment goal will be met.
Risks Involved in Baroda BNP Paribas Debt Mutual Funds
Baroda BNP Paribas debt mutual fund risk range from low to moderately high compared to equity funds. The fund's value may fluctuate depending on how much the underlying debt security costs. The number of interest rates, governmental initiatives, tax regulations, and other economic changes may impact the Baroda BNP Paribas debt mutual fund performance. The price of a debt security may decline or rise due to an increase or drop in the overall interest rates. The duration of the portfolio and the typical maturity have an impact on risk as well.
Similarly, low-rated debt funds will be more susceptible to market risk than high-rated debt funds. Before investing, investors must think about their risk tolerance.
Return Potential of Baroda BNP Paribas Debt Mutual Funds
Baroda BNP Paribas debt mutual fund returns is better than conventional fixed-income investing. Over five years, these funds have historically been known to produce average returns of about 7%–10%. The loan funds' tenure and credit ratings affect the return level. Long-term investments like Gilt funds provide better returns than short-term investments. The Baroda BNP Paribas debt mutual fund performance can change from one period to the next, and assured returns are not guaranteed.
Who Should Invest in Baroda BNP Paribas Debt Mutual Funds?
For conservative investors looking for capital growth and consistent income, Baroda BNP Paribas debt mutual funds are a good option. These funds could add stability to an equity-oriented portfolio as they are more stable than equity funds. Liquid funds are ideal for investors that want high liquidity from their investments. The Baroda BNP Paribas debt mutual fund NAV can help investors enhance their overall income. Debt fund investments may be the most tax-efficient for long-term investors in higher tax bands. When debt fund units are redeemed, long-term capital gains have the advantage of indexation and are subject to a 20% tax rate.
Things To Consider Before Investing in Baroda BNP Paribas Debt Mutual Funds
Baroda BNP Paribas debt mutual fund schemes are simple, have a reliable income, high liquidity, little risk, and have essentially predictable returns. Tax-effective investments are made possible by the benefit of indexation, which becomes available for debt funds after three years. The following points must be considered when investing in the Baroda BNP Paribas debt mutual fund.
Expense Ratio
Expense ratio is the entire cost of all outlays made while the debt fund programme existed. The ratio is particularly significant because debt funds have lesser returns or upside potential than equities mutual funds.
Investors with low-expense ratios should choose a direct plan as their best option. Following consideration of the cost ratio, investors can calculate the returns from debt funds.
Credit Risk
Debt funds are susceptible to credit risk and interest rate risk. Credit rating agencies assign ratings to debt securities based on the issuer's creditworthiness and ability to make payments.
The AAA-rated fixed-income assets are the "best" and least credit-risky. A security with a credit rating of "C" is likely to experience default.
Interest Rate
The interest rate structure significantly affects the allure of debt funds. When interest rates decline, existing bonds are worth more than newly issued bonds. As interest rates increase, the value of previously issued bonds decreases as investors choose to invest in freshly issued bonds with higher rates.
Yield To Maturity
A debt fund's yield to maturity is its expected return rate under the presumption that all of its securities will be held until they mature. If the yield to maturity of a debt fund was 9%, the investor would make 9% if the portfolio stayed the same until all of the holdings in the portfolio matured.
Duration and Maturity
The Baroda BNP Paribas debt mutual funds performance is more sensitive to changes in interest rates as the adjusted period gets longer and vice versa. The modified period gauges how susceptible the price of a debt fund is to changes in interest rates. It shows how changing interest rates impact the NAV of Franklin Templeton's debt mutual fund. Compared to shorter-term funds, longer-term funds are more erratic.
Tax on Baroda BNP Paribas Debt Mutual Funds
A debt fund investment made towards different fixed-income securities has other tax implications. The tax on PNB Paribas’ debt mutual fund is explained in the table below.
Details | Holding Period | Tax Rate |
Short-Term Capital Gains | Less than 36 months | Income Tax Slab Rate |
Long-Term Capital Gains | More than 36 months | 20% after indexation |
It must be noted that gains up to INR 1 lakh are tax-exempted.
Get your latest Credit Score, FREE
Most Popular on Urban Money
Baroda Other MF Categories
Most Trusted AMC
- Aditya Birla Sun Life Mutual Fund
- Canara Robeco Mutual Fund
- L&T Mutual Fund
- DSP Mutual Fund
- Quant Mutual Fund
- Franklin Templeton Mutual Fund
- HDFC Mutual Fund
- HSBC Mutual Fund
- ICICI Prudential Mutual Fund
- JM Financial Mutual Fund
- Kotak Mahindra Mutual Fund
- LIC Mutual Fund
- Invesco Mutual Fund
- Quantum Mutual Fund
- Nippon India Mutual Fund
- SBI Mutual Fund
- Bandhan Mutual Fund
- Sundaram Mutual Fund
- Tata Mutual Fund
- Taurus Mutual Fund
- UTI Mutual Fund
- Mirae Asset Mutual Fund
- Bank of India Mutual Fund
- Edelweiss Mutual Fund
- Axis Mutual Fund
- Navi Mutual Fund
- Motilal Oswal Mutual Fund
- IDBI Mutual Fund
- PGIM India Mutual Fund
- Union Mutual Fund
- 360 ONE Mutual Fund
- Groww Mutual Fund
- PPFAS Mutual Fund
- IL&FS Mutual Fund (IDF)
- Shriram Mutual Fund
- IIFCL Mutual Fund
- Mahindra Manulife Mutual Fund
- WhiteOak Capital Mutual Fund
- ITI Mutual Fund
- Trust Mutual Fund
- NJ Mutual Fund
- Samco Mutual Fund
- Bajaj Finserv Mutual Fund
- Helios Mutual Fund
- Zerodha Mutual Fund
- Old Bridge Mutual Fund
MF Categories
Mutual Funds Calculator
Top 10 Amc Funds
- SBI Equity Mutual Fund
- SBI Hybrid Mutual Fund
- SBI Elss Mutual Fund
- SBI Debt Mutual Fund
- ICICI Equity Mutual Fund
- ICICI Hybrid Mutual Fund
- ICICI Elss Mutual Fund
- ICICI Debt Mutual Fund
- HDFC Equity Mutual Fund
- HDFC Hybrid Mutual Fund
- HDFC Elss Mutual Fund
- HDFC Debt Mutual Fund
- Nippon Equity Mutual Fund
- Nippon Hybrid Mutual Fund
- Nippon Elss Mutual Fund
- Nippon Debt Mutual Fund
- Kotak Equity Mutual Fund
- Kotak Hybrid Mutual Fund
- Kotak Elss Mutual Fund
- Kotak Debt Mutual Fund
- Axis Equity Mutual Fund
- Axis Hybrid Mutual Fund
- Axis Elss Mutual Fund
- Axis Debt Mutual Fund
- Aditya Equity Mutual Fund
- Aditya Hybrid Mutual Fund
- Aditya Elss Mutual Fund
- Aditya Debt Mutual Fund
- UTI Equity Mutual Fund
- UTI Hybrid Mutual Fund
- UTI Elss Mutual Fund
- UTI Debt Mutual Fund
- Bandhan Equity Mutual Fund
- Bandhan Hybrid Mutual Fund
- Bandhan Elss Mutual Fund
- Bandhan Debt Mutual Fund
- Mirae Equity Mutual Fund
- Mirae Hybrid Mutual Fund
- Mirae Elss Mutual Fund
- Mirae Debt Mutual Fund
Frequently Asked Questions (FAQs) About Baroda PNB Debt Funds
How is Baroda BNP Paribas Mutual Fund doing?
Is Baroda BNP Paribas Mutual Fund Safe?
Is it reasonable to invest in equity funds?
Mutual Funds Guide
Get in-depth knowledge about all things related to Mutual Funds and your finances
International Mutual Funds
\International mutual funds are hidden gems in investment. These ideally allow you to invest in different countries, empowering you to diversify the portfolio across various economies, currencies, and sectors. Internatio
10 Best SIP Plans for Rs. 1000
The need for disciplined and strategic investment is becoming increasingly apparent as the financial industry develops and changes. Investing in your future has never been easier or more accessible than with the 10 best
How to Invest in SIP
Mutual funds are the new piggy banks. Everyone looking to multiply their wealth via mutual funds ponders over one perennial question – how to invest in a SIP? While it might sound very complex and tedious, it actua
Best Investment Plan for 1 Year
For those seeking relatively quick returns or managing financial goals within a limited timeframe, mutual funds could make a substantial difference. Mutual funds, essentially pools of money managed by professionals, pro
How to stop a Mutual Fund SIP?
Investing in mutual funds through a Systematic Investment Plan (SIP) is a widely embraced strategy for those looking to gradually build wealth with disciplined and consistent contributions. However, life’s uncertai
Withdrawing from Mutual Funds
When it comes to managing your investments, mutual funds are a popular choice for those looking to expand their portfolio and earn steady returns. However, there may come a time when you need to withdraw money from your
Flexi Cap Fund
Are you tired of the same old mutual funds that limit your investment options and returns? Do you want to explore the full potential of the stock market and invest in the best companies across all sizes and sectors? If y
STCG Tax on Mutual Fund
As an investor in mutual funds, you may be aware of the various benefits they offer, such as diversification, professional management, and liquidity. But do you also know about the tax implications of your mutual fund in
Conservative Hybrid Funds
A conservative hybrid fund is known as a low-risk investment option. The name gives you a fair idea of a conservative hybrid fund’s associated risk, offering a unique combination of safety, stability, and potential
Fund of Funds (FOFs)
Are you looking for a way to diversify your investments and access a variety of funds with different strategies and asset classes? If yes, then you might want to consider Fund of Funds (FOFs) as an option. FOFs are mutua
Expense Ratios: Calculations, Components, and Investment Impact
The expense ratio is one of the most critical yet often overlooked aspects of investing in mutual funds and ETFs. Whether you’re a seasoned investor or just starting to dip your toes into finance, understanding thi
Total Expense Ratio (TER)
The Total Expense Ratio (TER) is a significant indicator of the expenses associated with overseeing and running an investment fund, like a mutual fund or Exchange-Traded Fund (ETF). Calculated as a percentage of the fund
Indexation in Mutual Funds
‘Indexation’ is a pivotal term for investors during decision-making. It is also considered vital to reduce tax liabilities associated with investments, especially in debt mutual funds. Although calculating In
Yield to Maturity
Yield to Maturity (YTM) stands out as a pivotal concept among investors. It’s a term that often bounces around in financial discussions, yet its understanding remains elusive to many. Whether you’re a novice
What is Arbitrage Fund
Arbitrage funds are a type of investment strategy. I.e., the funds generate income by simultaneously buying and selling securities in various markets for different prices. As exploiting the price differences between the