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Baroda PNB Paribas Debt Mutual Funds

Baroda BNP Paribas Debt mutual fund schemes invest in debt and money market instruments. The best Baroda BNP Paribas Debt mutual fund provides investors with capital safety, appreciation, and regular income. Investors seeking good returns on minimal risk must invest for a minimum of 5 years.

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Fund Category

Debt

  • Banking and PSU Fund
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  • Credit Risk Fund
  • Debt -Interval Funds
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Result Showing 1-10 of 121 Mutual Funds

    Mutual Fund Schemes
    Category
    5Y Returns
    AUM
    (in Cr.)
    Compare
    debt
    8%
    ₹186

    Add to Compare

    debt
    7%
    ₹186

    Add to Compare

    debt
    7%
    ₹252

    Add to Compare

    debt
    7%
    ₹186

    Add to Compare

    debt
    7%
    ₹186

    Add to Compare

    debt
    6%
    ₹27

    Add to Compare

    debt
    7%
    ₹27

    Add to Compare

    Result Showing 1-10 of 121 Mutual Funds

    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.

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    Frequently Asked Questions (FAQs) About Baroda PNB Debt Funds

    How is Baroda BNP Paribas Mutual Fund doing?

    Baroda BNP Paribas is doing reasonably well.

    Is Baroda BNP Paribas Mutual Fund Safe?

    The fund managers at Baroda BNP Paribas Mutual Fund invest so that the funds generate optimum returns at minimal risk.

    Is it reasonable to invest in equity funds?

    Investing in equity funds is suitable for investors who wish to earn high-interest rates.