surf through markets with ease.€¦ · jubilant foodworks ltd. consumer non durables 1.07% tata...

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

*The Bank of Baroda logo belongs toBank of Baroda and is used under license.

Invest in Baroda Dynamic Equity Fund(An open ended dynamic asset allocation fund)

Surf through Markets

with Ease.

DYNAMIC EQUITY FUND *Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

Capital appreciation over medium to long term

Investment in equity and equity linked securities as well as debt and money market instruments while managing risk through active asset allocation

This product is suitable for investors who are seeking*:

Investors understand that their principal will be atModerately High risk

July 2020

In order to help you steer through this volatility & help you achieve your financial goals, a tailor-made

solution for all market times – Baroda Dynamic Equity Fund. The fund is an open-ended dynamic asset

allocation fund which primarily invests in a portfolio of equity & equity linked securities with the primary

aim to generate capital appreciation & secondary objective to generate income through investments in

debt & money market instruments.

2

The Bank of Baroda logo belongs to Bank of Barodaand is used under license

INDEX

How To Read Factsheet Pg 3

Baroda Multi Cap Fund Pg 4

Baroda ELSS’ 96 Pg 5

Baroda Mid Cap Fund Pg 6

Baroda Large Cap Fund Pg 7

Baroda Banking and Financial Services Fund Pg 8

Baroda Hybrid Equity Fund Pg 9

Baroda Dynamic Equity Fund Pg 10

Baroda Equity Savings Fund Pg 11

Baroda Conservative Hybrid Fund Pg 12

Baroda Credit Risk Fund (scheme has one segregated portfolio) Pg 13

Baroda Gilt Fund Pg 14

Baroda Dynamic Bond Fund Pg 15

Baroda Short Term Bond Fund Pg 16

Baroda Treasury Advantage Fund (scheme has one segregated portfolio) Pg 17

Baroda Ultra Short Duration Fund Pg 18

Baroda Liquid Fund Pg 19

Baroda Overnight Fund Pg 20

Baroda Money Market Fund Pg 21

Investment Performance Pg 22

SIP Returns Pg 25

Dividend History Pg 26

3


How To Read Factsheet?

Fund Manager : An employee of the asset management company such as a mutual fund or life insurer, who manages investments of the scheme. He is usually part of a larger team of fund managers and research analysts.

Application Amount for Fresh Subscription : This is the minimum investment amount for a new investor in a mutual fund scheme.

Minimum Additional Amount : This is the minimum investment amount for an existing investor in a mutual fund scheme.

Yield to Maturity : The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is expressed as an annual rate. The YTM factors in the bond’s current market price, par value, coupon interest rate and time to maturity.

SIP : SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. It works similar to a recurring bank deposit. For instance, an investor may opt for an SIP that invests Rs 500 every 15th of the month in an equity fund for a period of three years.

NAV : The NAV or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible expenses. The NAV is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund.

Benchmark : A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200, BSE500, 10-Year Gsec.

Entry Load : A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent. Entry load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing NAV at the time of investment. For instance, if the NAV is Rs. 100 and the entry load is 1%, the investor will enter the fund at Rs. 101.

Note : SEBI, vide circular dated June 30, 2009 has abolished entry load and mandated that the upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by the distributor.

Exit Load : Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is deducted from the prevailing NAV at the time of redemption. For instance, if the NAV is Rs 100 and the exit load is 1%, the redemption price would be Rs 99 Per Unit.

Modified Duration : Modified duration is the price sensitivity and the percentage change in price for a unit change in yield

Standard Deviation : Standard deviation is a statistical measure of the range of an investment’s performance. When a mutual fund has a high standard deviation, its means its range of performance is wide, implying greater volatility.

Sharpe Ratio : The Sharpe Ratio, named after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns. It is calculated using standard deviation and excess return to determine reward per unit of risk.

Beta : Beta is a measure of an investment’s volatility vis-à-vis the market. Beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 implies that the security’s price will be more volatile than the market.

AUM : AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a mutual fund or any investment firm.

Holdings : The holdings or the portfolio is a mutual fund’s latest or updated reported statement of investments/securities. These are usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where their money is being invested by the fund manager.

Nature of Scheme : The investment objective and underlying investments determine the nature of the mutual fund scheme. For instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund. Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these categories may have sub-categories.

Rating Profile : Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of the mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of debt funds.

Macaulay Duration: Is the weighted average term to maturity of the cash flows from an instrument. The weight of each cash flow is determined by dividing the present value of the cash flow by the price. Macaulay duration is a measure of interest rate sensitivity of a Fixed income instrument. Higher the Macaulay duration, higher would be the interest rate risk. Investors may refer to Scheme Information Document of the fund for further details.

4


Baroda Multi Cap FundMulti Cap Fund - An open ended equity scheme investing across large cap, mid-cap and small cap stocks.

Investment ObjectiveTo generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments.

Plan A 2.48%

Plan B (Direct) 1.76%

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

September 12, 2003

S&P BSE 500^(Effective October 29, 2019)Total Return variant of the Benchmark Index (TRI)

` 500/month - 12 Installments` 1500/quarter - 4 Installments

Plan A and Plan B (Direct)

A. Growth Option (default option in case no option specified by investor); B. Dividend Option 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Bonus Option$

` 5,000/- & in multiples of ` 1/- thereafter

Entry Load: NA

Exit Load: 1%, if redeemed on or before 365 days from the date of allotment of units, Nil if redeemed after 365 days from the date of allotment of units

Mr. Sanjay Chawla&

(Experience 29 Years)

AAUM & AUM

AAUM ` 784.79 Crs

AUM ` 801.13 Crs

Standard deviation 18.92%

Sharpe@ (0.24)

Beta 0.93

Portfolio Turnover (last 12 months)

0.91

@risk free rate (FBIL Overnight MIBOR) 3.86%

Risk Profile 31 July 2020

Mr. Dipak Acharya


& Mr. Chawla is managing the Scheme along with Mr. Acharya effective November 1, 2015

Portfolio Portfolio

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25^ For Disclaimer please refer page no 25

Plan A `

Growth 94.17

Dividend 26.24

Plan B - Direct `

Growth 100.69

Dividend 26.67

NAV as on 31 July 2020Riskometer

This product is suitable for investors who are seeking*

• Capital appreciation over long term.

• Investment predominantly in equity and equity related instruments.

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Top 10 Industries

Name of InstrumentsRatings /Industries

% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesReliance Industries Ltd. Petroleum Products 6.96%Infosys Ltd. Software 6.63%ICICI Bank Ltd. Banks 6.27%Housing Development Finance Corporation Ltd.

Finance 5.89%

HDFC Bank Ltd. Banks 5.48%

Hindustan Unilever Ltd.Consumer Non Durables

3.72%

Bharti Airtel Ltd. Telecom - Services 3.29%Escorts Ltd. Auto 3.18%Divi's Laboratories Ltd. Pharmaceuticals 2.94%Aarti Industries Ltd. Chemicals 2.72%

ITC Ltd.Consumer Non Durables

2.66%

Reliance Industries Ltd. Petroleum Products 2.57%

Nestle India Ltd.Consumer Non Durables

2.47%

SBI Life Insurance Company Ltd.

Finance 2.39%

Tech Mahindra Ltd. Software 2.38%IPCA Laboratories Ltd. Pharmaceuticals 2.22%Pidilite Industries Ltd. Chemicals 2.12%Ultratech Cement Ltd. Cement 2.05%City Union Bank Ltd. Banks 1.97%Axis Bank Ltd. Banks 1.88%SBI Cards & Payment Services Ltd.

Finance 1.81%

Larsen & Toubro Ltd. Construction Project 1.48%

Dabur India Ltd.Consumer Non Durables

1.47%

Alembic Pharmaceuticals Ltd.

Pharmaceuticals 1.46%

Britannia Industries Ltd.Consumer Non Durables

1.43%

Crompton Greaves Consumer Electricals Ltd.

Consumer Durables 1.42%


% to NetAssets

Hindustan Petroleum Corporation Ltd.

Petroleum Products 1.41%

Biocon Ltd. Pharmaceuticals 1.41%

United Spirits Ltd.Consumer Non Durables

1.38%

Titan Company Ltd. Consumer Durables 1.30%HCL Technologies Ltd. Software 1.28%Jindal Steel & Power Ltd. Ferrous Metals 1.27%Rallis India Ltd. Pesticides 1.19%Maruti Suzuki India Ltd. Auto 1.17%Security and Intelligence Services (I) Ltd.

Commercial Services 1.15%

Mahindra & Mahindra Ltd. Auto 1.13%

Jubilant Foodworks Ltd.Consumer Non Durables

1.07%

Tata Consumer Products Ltd.Consumer Non Durables

1.07%

Cholamandalam Investment & Finance Co. Ltd.

Finance 1.01%

Tata Power Company Ltd. Power 1.00%State Bank of India Banks 0.96%The Ramco Cements Ltd. Cement 0.52%Aarti Surfactants Ltd. Chemicals 0.03%Total 97.21%UnlistedAditya Birla Fashion and Retail Ltd.

Retailing 0.03%

Total 0.03%Margin Fixed DepositsHDFC Bank Ltd. Unrated 0.29%Total 0.29%TREPS / Reverse Repo Investments 2.66%Total 2.66%Cash & Cash EquivalentsNet Receivable/Payable -0.19%Total -0.19%Grand Total 100.00%

31 July, 2020

Pharmaceuticals8.03%

BANK

Banks16.56%

Finance11.10%

Consumer Non

Durables15.27%

Software10.29%Petroleum

Products10.94%

Chemicals4.87%

Auto5.48%

Consumer Durables

2.72%

Telecom Services3.29%

5


Baroda ELSS’ 96 An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit.

Investment ObjectiveThe main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Plan A 2.55%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

March 31, 1996

S&P BSE 200^Total Return variant of the Benchmark Index (TRI)



A. Growth Option (default option in case no option specified by investor); B. Dividend Option 1. Payout C. Bonus Option$

` 500/- & in multiples of ` 1/- thereafter

Entry Load: NA

Exit Load: Nil

Mr. Sanjay Chawla&


AAUM & AUM

AAUM ` 157.70 Crs

AUM ` 161.11 Crs


Sharpe@ (0.33)

Beta 0.93


1.34



Mr. Dipak Acharya


Portfolio Portfolio

Plan A `

Growth 41.84

Bonus 41.84

Dividend 25.67

Plan B - Direct `

Growth 45.34

Bonus 45.34

Dividend 31.52

NAV as on 31 July 2020


• Capital growth over long term.

• Investment predominantly in equity and equity related instruments.


Top 10 Industries

Riskometer




% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchanges

Infosys Ltd. Software 6.89%


ICICI Bank Ltd. Banks 6.45%


Housing Development Finance Corporation Ltd.

Finance 5.53%


3.77%

Bharti Airtel Ltd. Telecom - Services 3.44%


Finance 3.40%

Divi's Laboratories Ltd. Pharmaceuticals 3.25%

Escorts Ltd. Auto 3.17%


2.71%


Tech Mahindra Ltd. Software 2.54%

IPCA Laboratories Ltd. Pharmaceuticals 2.33%

Bajaj Finserv Ltd. Finance 2.31%

SBI Cards & Payment Services Ltd.

Finance 2.03%

Axis Bank Ltd. Banks 2.01%



Alembic Pharmaceuticals Ltd.


Ultratech Cement Ltd. Cement 1.92%

Dixon Technologies (India) Ltd.


Pidilite Industries Ltd. Chemicals 1.89%

SRF Ltd. Industrial Products 1.88%


% to NetAssets

City Union Bank Ltd. Banks 1.88%


1.75%



1.44%

Titan Company Ltd. Consumer Durables 1.29%

Tata Power Company Ltd. Power 1.21%


1.19%


1.17%

Maruti Suzuki India Ltd. Auto 1.17%

Jindal Steel & Power Ltd. Ferrous Metals 1.15%



HCL Technologies Ltd. Software 1.09%

Gujarat Gas Ltd. Gas 0.90%

Gujarat Fluorochemicals Ltd. Chemicals 0.85%

Crompton Greaves Consumer Electricals Ltd.


Rallis India Ltd. Pesticides 0.78%

Metropolis Healthcare Ltd. Healthcare Services 0.73%

Dalmia Bharat Ltd. Cement 0.71%

Total 98.35%

TREPS / Reverse Repo Investments 1.33%

Total 1.33%

Cash & Cash Equivalents

Net Receivable/Payable 0.32%

Total 0.32%

Grand Total 100.00%

BANK

Banks16.11%

Consumer Non

Durables12.03%

Software10.52%Petroleum

Products11.29%

Finance13.27%

Auto5.47%

Consumer Durables

4.01%



31 July, 2020

Chemicals2.74%

6


Investment Objective The primary objective of the Scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of growth oriented mid cap stocks.However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Plan A 2.53%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

October 4, 2010

S&P BSE Mid-cap index^Total Return variant of the Benchmark Index (TRI)



A. Growth Option (default option in case no option specified by investor); B. Dividend Option 1. Payout; 2. Reinvestment (default sub-option in case no option specified by investor) C. Bonus Option$


Entry Load: NA

Exit Load: 1.00%, if redeemed on or before 365 days from the date of allotment of units,

Nil, if redeemed after 365 days from the date of allotment of units.

Mr. Sanjay Chawla


AAUM & AUM

AAUM ` 46.59 Crs

AUM ` 47.37 Crs


Sharpe@ (0.26)

Beta 0.83


1.56



Mr. Dipak Acharya


Portfolio Portfolio


Plan A `

Growth 8.83

Dividend 8.83

Plan B - Direct `

Growth 9.39

Dividend 9.39




• Investment predominantly in equity and equity related securities of growth oriented Mid-Cap stocks.


Top 10 Industries

Baroda Mid-Cap FundMid Cap Fund – An open-ended equity scheme pre-dominantly investing in mid cap stocks.


% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesAlkem Laboratories Ltd. Pharmaceuticals 5.62%

Tata Consumer Products Ltd.Consumer Non Durables

4.97%


Torrent Power Ltd. Power 4.47%


Aarti Industries Ltd. Chemicals 4.18%Crompton Greaves Consumer Electricals Ltd.


SRF Ltd. Industrial Products 3.60%

MindTree Ltd. Software 3.43%


Tata Power Company Ltd. Power 3.08%Navin Fluorine International Ltd.

Chemicals 2.97%

Solar Industries India Ltd. Chemicals 2.79%

Akzo Nobel India Ltd.Consumer Non Durables

2.70%

Coromandel International Ltd.

Fertilisers 2.47%

Rallis India Ltd. Pesticides 2.46%Alembic Pharmaceuticals Ltd.


Balkrishna Industries Ltd. Auto Ancillaries 2.23%

PI Industries Ltd. Pesticides 2.23%

RBL Bank Ltd. Banks 2.15%

Mahanagar Gas Ltd. Gas 2.06%

Dalmia Bharat Ltd. Cement 2.01%Cholamandalam Investment & Finance Co. Ltd.

Finance 1.71%

Sanofi India Ltd. Pharmaceuticals 1.64%Dixon Technologies (India) Ltd.



% to NetAssets


1.45%

Gujarat State Petronet Ltd. Gas 1.30%

Natco Pharma Ltd. Pharmaceuticals 1.24%Apollo Hospitals Enterprise Ltd.

Healthcare Services 1.24%

Gujarat Gas Ltd. Gas 1.22%

Muthoot Finance Ltd. Finance 1.21%


Radico Khaitan Ltd.Consumer Non Durables

1.17%

Metropolis Healthcare Ltd. Healthcare Services 1.16%

The Ramco Cements Ltd. Cement 1.10%

AU Small Finance Bank Ltd. Banks 1.09%

DCB Bank Ltd. Banks 1.06%

Trent Ltd. Retailing 1.06%

Astral Poly Technik Ltd. Industrial Products 1.02%Honeywell Automation India Ltd.

Industrial Capital Goods

0.86%

Dhanuka Agritech Ltd. Pesticides 0.62%

Aarti Surfactants Ltd. Chemicals 0.05%

Total 94.39%

UnlistedAditya Birla Fashion and Retail Ltd.

Retailing 0.05%

Total 0.05%


Total 5.59%


Net Receivable/Payable -0.03%

Total -0.03%

Grand Total 100.00%

BANK

Banks8.91%

Industrial Products4.62%

Chemicals9.99%

Consumer Non

Durables10.29%

Consumer Durables

5.22%

Gas4.58%

Pharmaceuticals13.96% Power

7.55%Pesticides

5.31%

31 July, 2020

Auto4.31%

7


Baroda Large Cap Fund Large Cap Fund – An open-ended equity scheme pre-dominantly investing in large cap stocks.

Investment Objective The primary objective of the Scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of large cap companies. The Scheme may also invest in debt and money market securities.However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Plan A 2.58%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

June 22, 2010

Nifty 100^Total Return variant of the Benchmark Index (TRI)





Entry Load: NA

Exit Load: 1.00%, if redeemed on or before 365 days from the date of allotment of units,


Mr. Sanjay Chawla


AAUM & AUM

AAUM ` 34.07 Crs

AUM ` 34.80 Crs


Sharpe@ (0.13)

Beta 0.81


1.01



Mr. Dipak Acharya


Portfolio Portfolio

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25 ^ For Disclaimer please refer page no 25

Plan A `

Growth 14.35

Dividend 11.41

Plan B - Direct `

Growth 15.13

Dividend 12.14




• Investment predominantly in a diversified portfolio of equity and equity related securities of Large Cap companies.


Top 10 Industries


% to NetAssets





Finance 6.40%

Infosys Ltd. Software 6.25%


Bharti Airtel Ltd. Telecom - Services 3.99%


3.97%


Finance 3.67%


3.35%






Nestle India Ltd.Consumer Non Durables

2.37%

Kotak Mahindra Bank Ltd. Banks 2.35%



Sun Pharmaceutical Industries Ltd.



2.20%



% to NetAssets


Cadila Healthcare Ltd. Pharmaceuticals 1.79%




1.67%

Siemens Ltd.Industrial Capital Goods

1.67%


Shree Cement Ltd. Cement 1.56%


1.48%


Finance 1.46%

HCL Technologies Ltd. Software 1.22%

Titan Company Ltd. Consumer Durables 1.20%

State Bank of India Banks 1.10%


Total 97.74%

Margin Fixed Deposits

HDFC Bank Ltd. Unrated 0.32%

Total 0.32%


Total 2.83%



Total -0.89%

Grand Total 100.00%

BANK

Banks20.45%

Software9.92%

Finance11.53%

Petroleum Products10.77%

Consumer Non

Durables15.04%


Auto6.19%


Chemicals2.34%

31 July, 2020

Cement3.63%

8


Investment Objective The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Plan A 2.60%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Manager#

June 22, 2012

Nifty Bank Index^Total Return variant of the Benchmark Index (TRI)





Entry Load: NA

Exit Load: 1.00% if redeemed on or before 365 days from the date of allotment of units,

Nil if redeemed after 365 days from the date of allotment of units

AAUM & AUM

AAUM ` 39.03 Crs

AUM ` 38.29 Crs


Sharpe@ (0.33)

Beta 0.90


0.85



Mr. Dipak Acharya


Portfolio Portfolio


Plan A `

Growth 18.59

Dividend 12.64

Plan B - Direct `

Growth 19.70

Dividend 13.59




• Investment predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.


Top Industries


% to NetAssets







Finance 4.67%


Finance 3.81%


Finance 3.59%

State Bank of India Banks 3.51%

ICICI Lombard General Insurance Company Ltd.

Finance 2.73%


RBL Bank Ltd. Banks 2.66%

Bajaj Finserv Ltd. Finance 2.44%

Cholamandalam Investment & Finance Co. Ltd.

Finance 1.86%

ICICI Prudential Life Insurance Company Ltd.

Finance 1.30%


% to NetAssets

Muthoot Finance Ltd. Finance 1.17%

AU Small Finance Bank Ltd. Banks 1.16%

DCB Bank Ltd. Banks 1.11%

Motilal Oswal Financial Services Ltd.

Finance 1.07%

Mahindra & Mahindra Financial Services Ltd.

Finance 1.02%

Mahindra & Mahindra Financial Services Ltd.

Finance 0.57%

Total 93.18%

Margin Fixed Deposits

HDFC Bank Ltd. Unrated 0.39%

Total 0.39%


Total 6.62%



Total -0.19%

Grand Total 100.00%

BANK

Banks68.95%

Finance24.23%

Unrated0.39%

Cash & Equivalent6.43%̀

Baroda Banking and Financial Services Fund An open ended equity scheme investing in the Banking and Financial Services sector. 31 July, 2020

9


Investment Objective The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity, equity related instruments, money market instrument and debt securities.

Plan A 2.47%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

September 12, 2003

CRISIL Hybrid 35+65 – Aggressive Index(effective February 1, 2018)





Entry Load: NA

Exit Load: 1% if redeemed on or before 12 months from the date of allotment of units,

Nil if redeemed after 12 months from the date of allotment of units

AAUM & AUM

AAUM ` 423.64 Crs

AUM ` 427.89 Crs


Sharpe@ (0.28)

Beta 1.09


0.95



Mr. Sanjay Chawla&


Portfolio Portfolio

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25


• Capital appreciation along with stability over long term.

• Investment predominantly in equity and equity related instru-ments with balance exposure to money market instruments and debt securities.


Top 10 Industries

Riskometer

Plan A `

Growth 53.53

Dividend 13.87

Plan B - Direct `

Growth 58.15

Dividend 16.01


Baroda Hybrid Equity FundAn open ended hybrid scheme investing predominantly in equity and equity related instruments.

Mr. Dipak Acharya



All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.*Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx


% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesReliance Industries Ltd. Petroleum Products 7.24%ICICI Bank Ltd. Banks 5.67%Infosys Ltd. Software 5.53%HDFC Bank Ltd. Banks 3.86%Hindustan Unilever Ltd. Consumer Non Durables 3.35%HDFC Ltd. Finance 3.33%Bharti Airtel Ltd. Telecom - Services 3.11%Escorts Ltd. Auto 2.91%Divi's Laboratories Ltd. Pharmaceuticals 2.75%Tech Mahindra Ltd. Software 2.39%SBI Life Insurance Company Ltd. Finance 2.13%

Reliance Industries Ltd. Petroleum Products 2.06%Pidilite Industries Ltd. Chemicals 2.06%ITC Ltd. Consumer Non Durables 2.04%Nestle India Ltd. Consumer Non Durables 1.93%City Union Bank Ltd. Banks 1.78%Axis Bank Ltd. Banks 1.76%SBI Cards & Payment Services Ltd. Finance 1.70%

Atul Ltd. Chemicals 1.53%Biocon Ltd. Pharmaceuticals 1.43%Mahindra & Mahindra Ltd. Auto 1.42%Ultratech Cement Ltd. Cement 1.39%Alembic Pharmaceuticals Ltd. Pharmaceuticals 1.38%Alkem Laboratories Ltd. Pharmaceuticals 1.37%United Spirits Ltd. Consumer Non Durables 1.36%Rallis India Ltd. Pesticides 1.29%Maruti Suzuki India Ltd. Auto 1.24%HCL Technologies Ltd. Software 1.24%Dabur India Ltd. Consumer Non Durables 1.20%Solar Industries India Ltd. Chemicals 1.14%Titan Company Ltd. Consumer Durables 1.10%Sanofi India Ltd. Pharmaceuticals 1.09%Larsen & Toubro Ltd. Construction Project 1.07%MindTree Ltd. Software 1.01%Crompton Greaves Consumer Electricals Ltd. Consumer Durables 0.77%

Tata Power Company Ltd. Power 0.74%Hindustan Petroleum Corporation Ltd. Petroleum Products 0.38%


% to Net

AssetsSecurity and Intelligence Services (I) Ltd. Commercial Services 0.10%

Total 77.85%CENTRAL GOVERNMENT SECURITIES8.24% CGL 2027 Sovereign 0.34%7.59% CGL 2026 Sovereign 0.26%7.88% CGL 2030 Sovereign 0.18%8.28% CGL 2027 Sovereign 0.03%Total 0.81%STATE GOVERNMENT SECURITIES9.72% SDL 2023 Sovereign 1.33%Total 1.33%BONDS & NCDsListed / awaiting listing on the stock exchangesICICI Bank Ltd (PERPETUAL Basel III Tier I PERPETUAL) [ICRA]AA+ 6.49%

Bank of Baroda ( Perpetual Basel III Tier I ATI Series IX) C CRISIL AA+ 3.33%

Indian Oil Corporation Ltd. CRISIL AAA 1.65%HDFC Bank Ltd. CRISIL AAA 1.32%National Bank for Agriculture and Rural Development CRISIL AAA 1.23%

Bank of Baroda (PERPETUAL Basel III Tier I ATI Series XI) CRISIL AA+ 1.19%

Muthoot Finance Ltd. CRISIL AA 0.95%Indian Railway Finance Corporation Ltd. CRISIL AAA 0.66%

*Dewan Housing Finance Corporation Ltd. CARE D 0.40%

Total 17.22%Margin Fixed DepositsHDFC Bank Ltd. Unrated 0.54%Total 0.54%TREPS / Reverse Repo Investments 1.59%Total 1.59%Cash & Cash EquivalentsNet Receivable/Payable 0.66%Total 0.66%Grand Total 100.00%

BANK

Banks13.07%

Finance7.16%

Software10.17%

CRISIL AAA4.86%

[ICRA]AA+

6.49%

Consumer Non

Durables9.88%

Chemicals4.73%



Auto5.57%

31 July, 2020

10


Portfolio

Riskometer


• Capital appreciation over medium to long term.

• Investment in equity and equity linked securities as well as debt and money market instruments while managing risk through active asset allocation.


Investment ObjectiveThe primary objective of the Scheme is to generate capital appreciation by investing in a portfolio of equity or equity linked securities while the secondary objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation.

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Fund Managers#

November 14, 2018

50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund IndexTotal Return variant of the Benchmark Index (TRI)


Regular and Direct

A. Growth Option (default option in case no option specified by investor); B. Daily Dividend 1. Payout; 2. Reinvestment (default sub-option in case no option specified by investor)


Entry Load: NA

Exit Load: If units are redeemed upto 10% of the units, on or before one year from the date of allotment : Nil

If units are redeemed over and above the 10% limit, on or before one year from the date of allotment : 1% of the applicable Net Asset Value (NAV)

If units are redeemed after one year from the date of allotment: Nil

Mr. Alok Sahoo


AAUM & AUM

AAUM ` 610.13 Crs

AUM ` 640.00 Crs

Regular 2.44%

Direct 1.22%

Total Expense Ratio

Baroda Dynamic Equity FundAn open ended dynamic asset allocation fund

Portfolio

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.

Regular `

Growth 11.97

Dividend 11.97

Direct `

Growth 12.28

Dividend 12.28

NAV as on 31 July 2020Mr. Sanjay Chawla



% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesReliance Industries Ltd. Petroleum Products 7.46%

Infosys Ltd. Software 6.06%Housing Development Finance Corporation Ltd. Finance 5.31%


Hindustan Unilever Ltd. Consumer Non Durables 3.99%


ITC Ltd. Consumer Non Durables 3.04%

Bharti Airtel Ltd. Telecom - Services 2.96%SBI Cards & Payment Services Ltd. Finance 2.85%


SBI Life Insurance Company Ltd. Finance 2.43%









Nestle India Ltd. Consumer Non Durables 1.55%

Britannia Industries Ltd. Consumer Non Durables 1.50%

Alembic Pharmaceuticals Ltd. Pharmaceuticals 1.47%

Biocon Ltd. Pharmaceuticals 1.45%Crompton Greaves Consumer Electricals Ltd. Consumer Durables 1.44%

Dabur India Ltd. Consumer Non Durables 1.29%



Cadila Healthcare Ltd. Pharmaceuticals 1.22%


Rallis India Ltd. Pesticides 1.14%

United Spirits Ltd. Consumer Non Durables 1.09%


Jubilant Foodworks Ltd. Consumer Non Durables 1.08%

Tata Power Company Ltd. Power 1.07%

Atul Ltd. Chemicals 1.03%



% to Net

AssetsHCL Technologies Ltd. Software 1.00%Cholamandalam Investment & Finance Co. Ltd. Finance 0.95%

WABCO India Ltd. Auto Ancillaries 0.93%

Asian Paints Ltd. Consumer Non Durables 0.87%

Indraprastha Gas Ltd. Gas 0.70%

Solar Industries India Ltd. Chemicals 0.64%

MindTree Ltd. Software 0.51%Hindustan Petroleum Corporation Ltd. Petroleum Products 0.42%Security and Intelligence Services (I) Ltd. Commercial Services 0.16%

Total 87.09%

BONDS & NCDs

Listed / awaiting listing on the stock exchanges

HDFC Bank Ltd. CRISIL AAA 1.77%

Aditya Birla Housing Finance Ltd. [ICRA]AAA 1.36%

Larsen & Toubro Ltd. CRISIL AAA 1.15%IndusInd Bank (Perpetual C Basel III Tier 1 AT1) CRISIL AA 0.70%National Bank for Agriculture and Rural Development CRISIL AAA 0.66%

Aditya Birla Finance Ltd. [ICRA]AAA 0.42%Housing and Urban Development Corporation Ltd. [ICRA]AAA 0.33%Indian Railway Finance Corporation Ltd. CRISIL AAA 0.32%National Highways Authority of India CRISIL AAA 0.29%Bank of Baroda ( Perpetual Basel III Tier I ATI Series IX) C CRISIL AA+ 0.16%

Total 7.16%

CENTRAL GOVERNMENT SECURITIES

6.68% CGL 2031 Sovereign 1.23%


Total 2.09%

Treasury Bills

182 DAY T-BILL 10.09.20 Sovereign 0.78%

Total 0.78%


Total 3.17%



Total -0.29%

Grand Total 100.00%

Mr. Dipak Acharya@


@Effective December 14, 2018, Mr. Dipak Acharya manages the scheme along with Mr. Sanjay Chawla and Mr. Alok Sahoo.

Top 10 Industries

BANK

Banks13.24%

Finance11.54%

Software9.71%


CRISIL AAA4.19%

Consumer Non

Durables14.41%

#For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25



2.01



Auto4.45%

31 July, 2020

Chemicals3.27%

11


Investment ObjectiveThe primary objective of the Scheme is to generate capital appreciation and income by using arbitrage opportunities, investment in equity / equity related instruments and debt/ money market instruments.However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Baroda Equity Savings FundAn open-ended scheme investing in equity, arbitrage and debt instruments.

Benchmark

Plans & Option

Minimum Investment

Load Structure

40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 indexTotal Return variant of the Benchmark Index (TRI)

RegulaR and diRect

A. Growth Option (default option in case no option specified by investor);

B. Dividend Option• Pay-out• Reinvestment (default sub-option in case no sub-option specified by investor)

Purchase: ` 5,000/- & in multiples of ` 1/- thereafterAdditional Purchase : ` 1,000/- and in multiples of ` 1/- thereafter. Re-purchase: No minimum amount

Entry Load: NA

Exit Load: If units are redeemed upto 10% of the units held, on or before one year from the date of allotment : Nil

• If units are redeemed over and above the 10% limit, on or before one year from the date of allotment : 1% of the applicable Net Asset Value (NAV)

• If units are redeemed after one year from the date of allotment: Nil

The above exit load shall be applicable on a prospective basis to all subscription transactions, excluding switch-ins.

The above exit load structure is effective September 05, 2019.

Date of InceptionJuly 25, 2019

SIP (Minimum)` 500/month - 12 Installments` 1500/quarter - 4 Installments

AAUM & AUM

AAUM ` 437.79 Crs

AUM ` 426.44 Crs

Regular 2.48%

Direct 1.45%

Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Mr. Pratish Krishnan


Mr. Dipak Acharya


Riskometer


• Long term capital appreciation and income generation.

• Investment in equity and equity related securities, arbitrage opportunities, and debt and money market instuments.


Regular `

Growth 11.00

Dividend 11.00

Direct `

Growth 11.12

Dividend 11.12


Portfolio Portfolio

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.**Thinly traded / Non traded securities and illiquid securities asdefined in SEBI Regulations and Guidelines.


% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesReliance Industries Ltd. Petroleum Products 6.82%HDFC Ltd. Finance 6.12%ICICI Bank Ltd. Banks 5.18%Hindustan Unilever Ltd. Consumer Non Durables 4.23%HDFC Bank Ltd. Banks 4.08%Vedanta Ltd. Non - Ferrous Metals 4.02%Infosys Ltd. Software 3.33%Bharti Airtel Ltd. Telecom - Services 3.11%Axis Bank Ltd. Banks 2.17%Dr. Reddy's Laboratories Ltd. Pharmaceuticals 2.08%Maruti Suzuki India Ltd. Auto 1.67%Kotak Mahindra Bank Ltd. Banks 1.60%Power Finance Corporation Ltd. Finance 1.55%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 1.44%HCL Technologies Ltd. Software 1.43%Britannia Industries Ltd. Consumer Non Durables 1.40%SBI Life Insurance Company Ltd. Finance 1.38%Nestle India Ltd. Consumer Non Durables 1.37%ITC Ltd. Consumer Non Durables 0.97%Tech Mahindra Ltd. Software 0.92%The Federal Bank Ltd. Banks 0.91%Ultratech Cement Ltd. Cement 0.87%Shree Cement Ltd. Cement 0.86%Mahindra & Mahindra Ltd. Auto 0.85%Asian Paints Ltd. Consumer Non Durables 0.62%Dr. Lal Path labs Ltd. Healthcare Services 0.62%Titan Company Ltd. Consumer Durables 0.53%Escorts Ltd. Auto 0.53%Divi's Laboratories Ltd. Pharmaceuticals 0.52%Larsen & Toubro Ltd. Construction Project 0.51%SBI Cards & Payment Services Ltd. Finance 0.51%IPCA Laboratories Ltd. Pharmaceuticals 0.48%Bajaj Finance Ltd. Finance 0.47%Biocon Ltd. Pharmaceuticals 0.47%State Bank of India Banks 0.41%Dabur India Ltd. Consumer Non Durables 0.40%HDFC Asset Management Company Ltd. Finance 0.39%

Alembic Pharmaceuticals Ltd. Pharmaceuticals 0.39%United Spirits Ltd. Consumer Non Durables 0.37%Reliance Industries Ltd. Petroleum Products 0.32%Tata Consultancy Services Ltd. Software 0.31%Grasim Industries Ltd. Cement 0.31%Crompton Greaves Consumer Electricals Ltd. Consumer Durables 0.22%

Indraprastha Gas Ltd. Gas 0.21%ICICI Lombard General Insurance Company Ltd. Finance 0.18%

Total 67.13%BONDS & NCDsListed / awaiting listing on the stock exchangesReliance Industries Ltd. CRISIL AAA 3.03%


% to Net

AssetsBank of Baroda (PERPETUAL Basel III Tier I ATI Series VI) C CARE AA 2.35%

Indian Oil Corporation Ltd. CRISIL AAA 1.64%Export-Import Bank of India CRISIL AAA 1.44%Vedanta Ltd. CRISIL AA 1.35%HDFC Bank Ltd. CRISIL AAA 1.32%NHPC Ltd. IND AAA 0.79%Hindustan Petroleum Corporation Ltd. CRISIL AAA 0.73%ICICI Bank Ltd (PERPETUAL Basel III Tier I) [ICRA]AA+ 0.72%

NABARD CRISIL AAA 0.49%Total 13.86%MONEY MARKET INSTRUMENTSCommercial Paper**Reliance Industries Ltd. CRISIL A1+ 2.25%Total 2.25%Certificate of Deposit**NABARD CRISIL A1+ 2.24%Total 2.24%Treasury Bills84 DAYS CMB 20.08.20 Sovereign 3.48%Total 3.48%Margin Fixed DepositsHDFC Bank Ltd. Unrated 9.52%Total 9.52%TREPS / Reverse Repo Investments 0.63%Total 0.63%Cash & Cash EquivalentsNet Receivable/Payable 0.89%Total 0.89%Grand Total 100.00%DERIVATIVES / Stock Futures

Name of the Instrument Long / Short % to AUM

HDFC Ltd. 27-AUG-20 Short (4.39)Vedanta Ltd. 27-AUG-20 Short (4.03)ICICI Bank Ltd. 27-AUG-20 Short (3.02)Reliance Industries Ltd. 27-AUG-20 Short (2.64)Hindustan Unilever Ltd. Short (2.18)Axis Bank Ltd. 27-AUG-20 Short (1.67)Power Finance Corporation Ltd. Short (1.56)Sun Pharmaceutical Industries Ltd. Short (1.44)Maruti Suzuki India Ltd. Short (1.36)Dr. Reddy's Laboratories Ltd. Short (1.08)The Federal Bank Ltd. 27-AUG-20 Short (0.91)Bharti Airtel Ltd. 27-AUG-20 Short (0.79)Grasim Industries Ltd. 27-AUG-20 Short (0.31)Asian Paints Ltd. 27-AUG-20 Short (0.07)Total (25.45)

Top 10 Industries

BANK

Banks14.35%

Finance10.60%


Unrated9.52%

Consumer Non

Durables9.36%

Non-Ferrous Metals4.02%


CRISIL AAA8.65%

Software5.99%

31 July, 2020

#For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25

CRISIL A1+

4.49%


6.24


12


Baroda Conservative Hybrid FundAn open ended hybrid scheme investing pre-dominantly in debt instruments.

Portfolio


11.47%

0.22%

0.23%

0.37%

0.44%

0.56%

0.63%

0.77%

0.78%

1.05%

1.49%

1.95%

2.22%

2.58%

3.26%

3.86%

4.12%

64.00%


Gas

Consumer Durables

Power

Pesticides

Healthcare Services

Cement

Chemicals

Auto

Telecom - Services

Banks

Pharmaceuticals

Petroleum Products

Finance

Software

CRISIL AA

Consumer Non Durables

Sovereign

Ratings

Riskometer

This product is suitable for investors who are seeking*• Regular Income and capital appreciation over medium term

with providing liquidity.• Investment in debt and money market instruments and in equity

and equity related instruments.* Investors should consult their financial advisers if in

doubt about whether the product is suitable for them.

Investment ObjectiveTo generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments.

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Fund Manager#

September 08, 2004

CRISIL Hybrid 85+15 - Conservative Index (effective February 1, 2018)



A. Growth Option (default option in case no option specified by investor); B. Monthly Dividend (default) 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Quarterly Dividend 1. Payout 2. Reinvestment (default sub-option in case no option specified by investor) D. Bonus Option$


Entry Load: NA

Exit Load: NIL

Ms. Hetal Shah


Average Maturity (Days) 2576

Modified Duration (Years) 5.25

Portfolio Yield (%) 5.64

Portfolio Characteristic

AAUM & AUM

AAUM ` 24.91 Crs

AUM ` 26.34 Crs

Plan A 2.08%


Total Expense Ratio

Plan A `

Growth 27.6099

Dividend - Monthly 14.5397

Dividend - Quarterly 14.1185

Plan B - Direct `

Growth 29.4301





% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 2.66%Reliance Industries Ltd. Petroleum Products 1.41%Bharti Airtel Ltd. Telecom - Services 1.05%

Hindustan Unilever Ltd. Consumer Non Durables 1.05%

ITC Ltd. Consumer Non Durables 0.96%

ICICI Bank Ltd. Banks 0.92%Housing Development Finance Corporation Ltd. Finance 0.85%

Pidilite Industries Ltd. Chemicals 0.77%SBI Life Insurance Company Ltd. Finance 0.69%

United Spirits Ltd. Consumer Non Durables 0.66%

Dabur India Ltd. Consumer Non Durables 0.59%

Britannia Industries Ltd. Consumer Non Durables 0.58%

Reliance Industries Ltd. Petroleum Products 0.56%SBI Cards & Payment Services Ltd. Finance 0.55%Escorts Ltd. Auto 0.54%Divi's Laboratories Ltd. Pharmaceuticals 0.50%Rallis India Ltd. Pesticides 0.44%Shree Cement Ltd. Cement 0.41%Alkem Laboratories Ltd. Pharmaceuticals 0.40%Tech Mahindra Ltd. Software 0.39%Tata Power Company Ltd. Power 0.37%City Union Bank Ltd. Banks 0.32%Apollo Hospitals Enterprise Ltd. Healthcare Services 0.32%Natco Pharma Ltd. Pharmaceuticals 0.30%Sanofi India Ltd. Pharmaceuticals 0.30%

Radico Khaitan Ltd. Consumer Non Durables 0.28%

IPCA Laboratories Ltd. Pharmaceuticals 0.25%ICICI Lombard General Insurance Company Ltd. Finance 0.25%

Axis Bank Ltd. Banks 0.25%Hindustan Petroleum Corporation Ltd. Petroleum Products 0.25%

Metropolis Healthcare Ltd. Healthcare Services 0.24%Maruti Suzuki India Ltd. Auto 0.24%Bajaj Finserv Ltd. Finance 0.24%Crompton Greaves Consumer Electricals Ltd. Consumer Durables 0.23%

Gujarat Gas Ltd. Gas 0.22%Dalmia Bharat Ltd. Cement 0.22%MindTree Ltd. Software 0.21%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 0.20%Total 20.67%BONDS & NCDsListed / awaiting listing on the stock exchangesMuthoot Finance Ltd. CRISIL AA 3.86%Total 3.86%CENTRAL GOVERNMENT SECURITIES6.45% CGL 2029 Sovereign 50.22%7.17% CGL 2028 Sovereign 5.33%7.59% CGL 2026 Sovereign 4.19%8.24% CGL 2027 Sovereign 2.16%7.59% CGL 2029 Sovereign 2.10%Total 64.00%TREPS / Reverse Repo Investments 9.07%Total 9.07%Cash & Cash EquivalentsNet Receivable/Payable 2.40%Total 2.40%Grand Total 100.00%

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.

Instruments

EQUITY & EQUITYRELATED

Central GovernmentSecurities

TREPS / Reverse RepoInvestments

Cash & CashEquivalents

BONDS & NCDs

64.00%

20.67%

9.07%

3.86%2.40%

31 July, 2020

13


Baroda Credit Risk Fund (scheme has one segregated portfolio) An open ended debt scheme predominantly investing in AA and below rated corporate bonds.(Excluding AA+ rated corporate bonds)

Portfolio


11.86%

0.21%

0.57%

1.32%

5.88%

5.91%

6.43%

8.42%

13.01%

20.61%

25.78%


Sovereign

BWR AA

CARE D

CARE AA

IND AA

CRISIL AAA

[ICRA]AA

CRISIL A1+

[ICRA]A+

CRISIL AA

Ratings

Riskometer

This product is suitable for investors who are seeking*• Income over medium term.• Investment in a mix of debt and money market instruments

across the credit and maturity spectrum.* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Investment Objective The primary objective of the Scheme is to generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Fund Managers#

January 23, 2015

CRISIL Short Term Credit Risk Index(Effective October 29, 2019)



A. Growth Option (default option in case no option specified by investor); B. Monthly Dividend 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Quarterly Dividend 1. Payout 2. Reinvestment (default sub-option in case no option specified by investor) D. Bonus Option$


Entry Load: NA

Exit Load: If units are redeemed upto 10% of the units, on or before one year from the date of allotment : Nil

If units are redeemed over and above the 10% limit, on or before one year from the date of allotment : 1% of the applicable Net Asset Value (NAV)

If units are redeemed after one year from the date of allotment: Nil

AAUM ` 300.11 Crs

AUM ` 296.44 Crs

AAUM ` 0.000 Crs

AUM ` 0.000 Crs





AAUM & AUM

SEGREGATED AAUM & AUM

Plan A 1.83%


Plan A NA

Plan B (Direct) NA

Total Expense Ratio

Segregated Total Expense Ratio

Plan A `Growth 13.9172Dividend - Monthly 9.6836Dividend - Quarterly 9.8745Plan B - Direct `Growth 14.7491Dividend - Monthly 10.1388Dividend - Quarterly 10.4645

Plan A `Growth 0.0000Dividend 0.0000Plan B - Direct `Growth 0.0000Dividend 0.0000


Segregated NAV as on 31 July 2020

NAV Per unit (Regular Plan - Growth Option)Date Main Portfolio Segregated Portfolio05/03/2020 14.5034 NA06/03/2020 14.1784 0.00Reduction in NAV (%) -2.24%

Impact of NAV

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.N** -> Non Traded Securities ; B** -> Below Investment Grade Security $ Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”: & The perpetual bonds of Yes Bank having market value of Rs 11,87,47,500 and interest accumulated Rs 86,06,557.38 as of 6th March2020 were downgraded to D. **Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines.


% to NetAssets

CENTRAL GOVERNMENT SECURITIES6.68% CGL 2031 Sovereign 0.21%Total 0.21%BONDS & NCDsListed / awaiting listing on the stock exchangesMotilal Oswal Home Finance Ltd. [ICRA]A+ 17.21%

IndusInd Bank (PERPETUAL Basel III AT I) C CRISIL AA 14.28%

Vedanta Ltd. CRISIL AA 9.77%Piramal Enterprises Ltd. [ICRA]AA 8.42%Tata Power Company Ltd. IND AA 5.91%Indiabulls Housing Finance Ltd. CARE AA 5.88%Indian Railway Finance Corporation Ltd. CRISIL AAA 4.21%

*Edelweiss Housing Finance Ltd. [ICRA]A+ 3.40%

National Bank for Agriculture and Rural Development CRISIL AAA 2.22%

Bharti Airtel Ltd. CRISIL AA 1.73%*Dewan Housing Finance Corporation Ltd. CARE D 1.32%

Tata Steel Ltd. BWR AA 0.57%Total 74.92%MONEY MARKET INSTRUMENTCommercial Paper**Reliance Industries Ltd. CRISIL A1+ 6.52%Total 6.52%Certificate of Deposit**NABARD CRISIL A1+ 6.49%Total 6.49%Net Receivable/Payable 8.13%Total 8.13%Cash & Cash EquivalentsNet Receivable/Payable 3.73%Total 3.73%Grand Total 100.00%

BONDS & NCDsListed / awaiting listing on the stock exchangesYes Bank Ltd.N**B***$& [ICRA]D 0.00%Total 0.00%

Mr. Alok Sahoo


Mr. Karn Kumar&


& Mr. Karn Kumar is managing the Scheme along with Mr. Alok Sahoo effective July 24, 2017

Instruments

74.92%

8.13%

6.52%

6.49%3.73% 0.21% BONDS & NCDs


Commercial Paper

Certificate of Deposits

Cash & Cash

Equivalents

Central Government

SecuritiesSegregated portfolio1

Note: Pursuant to downgrade of securities issued by Yes Bank Ltd to below investment grade on 06 Mar, 2020, the AMC has created the segregated portfolios in the scheme post the approval of trustees, effective March 06, 2020. *Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx

31 July, 2020

14


Portfolio


Riskometer


• Credit risk free regular Income over long term.

• Investment only in Government (both Central and State Government) Securities.


Investment ObjectiveTo generate income by investing in a portfolio of Government securities.

Plan A 1.83%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Manager#

March 21, 2002

I SEC-MI BEX



A. Growth Option (default option in case no option specified by investor); B. Dividend 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Bonus Option$


Entry Load: NA

Exit Load: 0.25%, if redeemed on or before

1 month (30 days) from the date of allotment of units.

Nil, if redeemed after 1 month (30 days) from the date of allotment of units.

Ms. Hetal Shah


AAUM & AUM

AAUM ` 29.90 Crs

AUM ` 30.38 Crs





Baroda Gilt FundAn open ended debt scheme investing in government securities across maturity.

Plan A `

Growth 32.9125

Dividend 23.1273

Plan B- Direct `

Growth 35.1560

Dividend 30.2230



% to NetAssets


7.26% CGL 2029 Sovereign 17.82%

8.24% CGL 2027 Sovereign 11.94%

6.68% CGL 2031 Sovereign 11.69%

7.59% CGL 2029 Sovereign 10.18%






Total 69.59%

STATE GOVERNMENT SECURITIES

8.11% SDL 2028 Sovereign 11.96%

9.39% SDL 2023 Sovereign 9.32%

Total 21.28%


Total 7.17%



Total 1.96%

Grand Total 100.00%

Ratings

9.13%

90.87%


Sovereign

Instruments

Central Government

Securities

Cash & CashEquivalents


State GovernmentSecurities

69.59%

21.28%

7.17%1.96%

31 July, 2020

15


Portfolio


Riskometer


• Regular Income over medium term with providing liquidity.

• Investment in medium to long term corporate bonds and / or government securities and manage the portfolio dynamically through different interest rate cycles.


Investment ObjectiveThe investment objective of the scheme is to generate returns with liquidity by managing the portfolio dynamically through interest rate cycles.

Plan A 1.51%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

June 30, 2012

CRISIL Composite Bond Fund Index



A. Growth Option (default option in case no option specified by investor); B. Dividend 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Bonus Option$


Entry Load: NA

Exit Load: 3%, if redeemed within 3 months from the date of allotment of units;

2%, if redeemed between 3 months 1 day to 6 months from the date of allotment of units;

1%, if redeemed between 6 months 1 day to 1 year from the date of allotment of units;

Nil, if redeemed after 1 year from the date of allotment of units.

Mr. Alok Sahoo


Ms. Hetal Shah


AAUM & AUM

AAUM ` 21.82 Crs

AUM ` 21.85 Crs





Plan A `

Growth 17.5770

Dividend 13.1992

Plan B - Direct `

Growth 18.5295

Dividend 14.0715


Baroda Dynamic Bond Fund+

An open-ended dynamic debt scheme investing across duration.

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.*Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx


% to NetAssets


6.79% CGL 2027 Sovereign 19.39%

6.68% CGL 2031 Sovereign 16.74%

8.28% CGL 2027 Sovereign 13.10%

7.59% CGL 2026 Sovereign 12.60%


Total 70.43%

STATE GOVERNMENT SECURITIES





Total 10.37%

BONDS & NCDs


Dewan Housing Finance Corporation Ltd.* CARE D 1.74%

Total 1.74%


Total 17.92%



Total -0.46%

Grand Total 100.00%

Ratings

17.46%

1.74%

80.80%


CARE D

Sovereign

Instruments

Central GovernmentSecurities

BONDS & NCDs

State GovernmentSecurities


Cash & CashEquivalents70.43%

17.92%

10.37%

1.74%- 0.46%

+Effective January 14, 2019, Baroda Income Fund was merged with Baroda Dynamic Bond Fund and Baroda Income Fund has ceased to exist.

31 July, 2020

16


Baroda Short Term Bond FundAn open-ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years (please refer to pg 36 of SID).

Portfolio

^ The Dividend Option has been renamed as Monthly Dividend Option and a Quarterly Dividend Option has been introduced effective December 23, 2016.# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25

Riskometer


• Regular Income over short term.

• Investment predominantly in Money Market Instruments (i.e. CP/CD) and Short Term Debt Market Instruments.


Investment ObjectiveThe objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Plan A 1.35%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

June 30, 2010

CRISIL Short Term Bond Fund Index



A. Growth Option (default option in case no option specified by investor); B. Monthly Dividend^ 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) C. Quarterly Dividend^ 1. Payout 2. Re-investment (default sub-option in case no option specified by investor)


Entry Load: NA

Exit Load: 0.25%, if redeemed on or before 15 days from the date of allotment of units.


Mr. Alok Sahoo


Ms. Hetal Shah


AAUM & AUM

AAUM ` 249.26 Crs

AUM ` 318.10 Crs




Macaulay duration (Years) 1.41


Plan A `

Growth 22.2146

Dividend 10.1631


Plan B - Direct `

Growth 23.3033

Dividend 10.1643





% to NetAssets

BONDS & NCDsListed / awaiting listing on the stock exchangesExport-Import Bank of India CRISIL AAA 6.51%Hindustan Petroleum Corporation Ltd. CRISIL AAA 5.92%

NHPC Ltd. IND AAA 5.61%National Bank for Agriculture and Rural Development CRISIL AAA 5.27%

Tata Steel Ltd. BWR AA 5.04%IndusInd Bank (PERPETUAL Basel III Tier 1 AT1) CRISIL AA 4.59%

Indian Railway Finance Corporation Ltd. CRISIL AAA 3.97%

Muthoot Finance Ltd. CRISIL AA 3.06%

Vedanta Ltd. CRISIL AA 2.89%

Larsen & Toubro Ltd. CRISIL AAA 2.44%

Aditya Birla Finance Ltd. [ICRA]AAA 2.03%

IIFL Finance Ltd. [ICRA]AA 1.99%

Reliance Industries Ltd. CRISIL AAA 0.70%IndusInd Bank (PERPETUAL Basel III AT I) C CRISIL AA 0.27%

Total 50.29%

MONEY MARKET INSTRUMENTCommercial Paper**Reliance Industries Ltd. CRISIL A1+ 6.42%

IIFL Wealth Finance Ltd. CRISIL A1+ 3.31%

IIFL Facilities Services Ltd. CRISIL A1+ 3.31%Motilal Oswal Financial Services Ltd. CRISIL A1+ 3.27%

Total 16.31%

Certificate of Deposit**National Bank for Agriculture and Rural Development CRISIL A1+ 3.19%

Total 3.19%

Treasury Bills84 DAYS CMB 20.08.20 Sovereign 13.58%

Total 13.58%TREPS / Reverse Repo Investments 19.69%Total 19.69%Cash & Cash EquivalentsNet Receivable/Payable -3.06%Total -3.06%Grand Total 100.00%

Ratings

16.63%

1.99%

2.03%

5.04%

5.61%

10.81%

13.58%

19.50%

24.81%


[ICRA]AA

[ICRA]AAA

BWR AA

IND AAA

CRISIL AA

Sovereign

CRISIL A1+

CRISIL AAA

Instruments

50.29%

19.69%

16.31%

13.58%

3.19%- 3.06% BONDS & NCDs

TREPS / Reverse Repo

Investments

Commercial Paper

Treasury Bills


Cash & Cash

Equivalents

31 July, 2020

17


Baroda Treasury Advantage Fund (scheme has one segregated portfolio)An open-ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months and 12 months (please refer to pg 38 of SID).

Portfolio

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015 Effective November 01, 2012, dividends declared under the Regular Plan (which has been discontinued from October 01, 2012) will be reinvested in Baroda Treasury Advantage Fund (earlier called Institutional Plan)# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25

Riskometer


• Regular income over short term with maintaining a balance between returns and liquidity.

• Investment predominantly in Money Market (i.e. CP/CDs) and Debt Market Instruments.


Investment ObjectiveThe main objective of the scheme is to provide optimal returns and liquidity through a portfolio comprising of debt securities and money market instruments.

Plan A 0.90%


Date of Inception

Benchmark

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

June 24, 2009

CRISIL Low Duration Debt Index(Effective October 29, 2019)


A. Growth Option (default option in case no option specified by investor); B. Daily Dividend 1. Re-investment C. Weekly Dividend 1. Re-investment D. Monthly Dividend 1. Payout 2. Re-investment (default sub option in case no option specified by investor) E. Quarterly Dividend 1. Payout 2. Re-investment (default sub option in case no option specified by investor) F. Bonus Option$


Entry Load: NA

Exit Load: 3%, if redeemed within 3 months from the date of allotment of units;

2%, if redeemed between 3 months 1 day to 6 months from the date of allotment of units;

1%, if redeemed between 6 months 1 day to 1 year from the date of allotment of units;

Nil, if redeemed after 1 year from the date of allotment of units.

Mr. Alok Sahoo


Ms. Hetal Shah


AAUM & AUM

AAUM ` 36.96 Crs

AUM ` 41.05 Crs




Macaulay duration (Months) 6.41



Regular `Growth 1421.8645Dividend - Daily 674.7418Dividend - Weekly 669.9206Dividend - Monthly 671.0499Plan A `Growth 1457.9941Dividend - Daily 690.9111Dividend - Weekly 670.3805Dividend - Monthly 671.0538Dividend - Quarterly 692.5368Plan B - Direct `Growth 1493.0709Dividend - Daily 678.8029Dividend - Weekly 672.8677Dividend - Monthly 673.5919Dividend - Quarterly 702.8838

588.4338

Plan A `Growth 0.0000Dividend 0.0000Plan B - Direct `Growth 0.0000Dividend 0.0000



% to NetAssets

BONDS & NCDs


IIFL Finance Ltd. [ICRA]AA 21.95%Indiabulls Housing Finance Ltd. CARE AA 10.64%

NHPC Ltd. IND AAA 5.50%IndusInd Bank (PERPETUAL Basel III AT I) C CRISIL AA 2.20%

Dewan Housing Finance Corporation Ltd.@ CARE D 1.04%

Total 41.33%


Total 54.40%



Total 4.27%

Grand Total 100.00%

BONDS & NCDs


Yes Bank Ltd.N**B***$& [ICRA]D 0.00%

Total 0.00%

Ratings

58.67%

1.04%

2.20%

5.50%

10.64%

21.95%


CARE D

CRISIL AA

IND AAA

CARE AA

[ICRA]AA

BONDS & NCDs

Cash & Cash

Equivalents


Investments54.40%

41.33%

4.27%

Instruments

DHFL ( ISIN INE202B071K1) has defaulted in repaying the maturity proceeds in Baroda Treasury Advantage Fund on 9th September 2019. The marked down value of the instrument as on that date in the books was Rs.11.25 crores.All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.N** -> Non Traded Securities ; B** -> Below Investment Grade Security $ Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”: & The perpetual bonds of Yes Bank having market value of Rs 15,91,21,650 and interest accumulated Rs 1,15,32,786.89 as of 6th March2020 were downgraded to D.

Note: Pursuant to downgrade of securities issued by Yes Bank Ltd to below investment grade on 06 Mar, 2020, the AMC has created the segregated portfolios in the scheme post the approval of trustees, effective March 06, 2020. @Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx

Segregated portfolio1

AAUM ` 0.000 Crs

AUM ` 0.000 Crs

SEGREGATED AAUM & AUM

Plan A NA

Plan B (Direct) NA

Segregated Total Expense Ratio

Segregated NAV as on 31 July 2020Segregated NAV as on 31 July 2020

NAV Per unit (Regular Plan - Growth Option)Date Main Portfolio Segregated Portfolio05/03/2020 1564.3040 NA06/03/2020 1222.9117 0.00Reduction in NAV (%) -21.82%

Impact of NAV

31 July, 2020

18


Baroda Ultra Short Duration Fund(An open ended ultra short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months) (please refer to pg 37 of SID)

Portfolio

# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25

Riskometer


• Reasonable returns with convenience of liquidity over ultra-short Term.

• Investments in a basket of debt and money market in instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months.


Investment Objective The primary objective of the Scheme is to generate regular income by investing in a portfolio of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months – 6 months (please refer to page no.37 of SID).However, there can be no assurance that the investment objective of the Scheme will be realized.

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Fund Managers#

June 1, 2018

CRISIL Ultra Short Fund Index


Regular and Direct

A. Growth Option (default option in case no option specified by investor); B. Daily Dividend 1. Re-investment C. Weekly Dividend 1. Re-investment


Entry Load: NA Exit Load: NIL

Mr. Alok Sahoo


Ms. Hetal Shah





Macaulay duration (Months) 3.91


AAUM & AUM

AAUM ` 177.52 Crs

AUM ` 231.53 Crs

Regular 0.43%

Direct 0.25%

Total Expense Ratio

Regular `

Growth 1167.2381

Dividend - Daily 1006.2583

Dividend - Weekly 1001.9231

Direct `

Growth 1171.9716




All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.**Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines.


% to NetAssets

MONEY MARKET INSTRUMENTCommercial Paper**IIFL Wealth Finance Ltd. CRISIL A1+ 4.72%IIFL Facilities Services Ltd. CRISIL A1+ 4.72%Reliance Industries Ltd. CRISIL A1+ 4.71%Motilal Oswal Financial Services Ltd. CRISIL A1+ 4.65%

ICICI Securities Ltd. CRISIL A1+ 3.76%Muthoot Finance Ltd. CRISIL A1+ 2.35%Total 24.91%Certificate of Deposit**

ICICI Bank Ltd. [ICRA]A1+ 4.70%IndusInd Bank Ltd. CRISIL A1+ 4.66%National Bank for Agriculture and Rural Development

CRISIL A1+ 4.54%

Total 13.90%BONDS & NCDsListed / awaiting listing on the stock exchangesExport-Import Bank of India CRISIL AAA 4.88%Indian Oil Corporation Ltd. CRISIL AAA 2.86%National Bank for Agriculture and Rural Development

CRISIL AAA 2.49%

Hindustan Petroleum Corporation Ltd. CRISIL AAA 2.48%

Total 12.71%Treasury Bills

84 DAYS CMB 20.08.20 Sovereign 18.85%91 DAY T-BILL 17.09.20 Sovereign 11.76%182 DAY T-BILL 10.09.20 Sovereign 4.71%Total 35.32%TREPS / Reverse Repo Investments 21.40%Total 21.40%Cash & Cash EquivalentsNet Receivable/Payable -8.24%Total -8.24%Grand Total 100.00%

Ratings

13.16%

4.70%

12.71%

34.11%

35.32%


[ICRA]A1+

CRISIL AAA

CRISIL A1+

Sovereign

Instruments


BONDS & NCDs

Commercial Paper


Investments

Cash & Cash

Equivalents

Treasury Bills35.32%

24.91%21.40%

13.90%

12.71%

- 8.24%

31 July, 2020

19


Portfolio

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015 Effective November 01, 2012, dividends declared under the Regular Plan (which has been discontinued from October 01, 2012) will be reinvested in Baroda Liquid Fund (earlier called Institutional Plan)# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25

Riskometer


• Regular income over short term with maintaining a balance between returns and liquidity.

• Investment predominantly in Money Market (i.e. CP/CDs) and Debt Market Instruments.


Investment ObjectiveTo generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Date of Inception

Benchmark

Minimum Investment

Load Structure

February 5, 2009

CRISIL Liquid Fund Index


Entry Load: NA

Exit Load: (Effective October 20, 2019)

The above load shall be applicable for all fresh investments (including ongoing SIP/STP/SWP instalments falling on or after the effective date) and Dividend Transfer Plan if the transfer is from BLF on or after the effective date.

Regular `

Growth 3387.2458

Dividend 2902.0411


Plan A `

Growth 2301.9065



Plan B - Direct `

Growth 2318.6192




Baroda Liquid FundAn open ended liquid scheme

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.**Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines.


% to NetAssets

BONDS & NCDs

Listed / awaiting listing on the stock exchangesHousing Development Finance Corporation Ltd.

CRISIL AAA 1.52%

Reliance Industries Ltd. CRISIL AAA 0.37%

Total 1.89%

MONEY MARKET INSTRUMENT

Commercial Paper**

Reliance Jio Infocomm Ltd. CRISIL A1+ 7.58%

Reliance Industries Ltd. CRISIL A1+ 6.48%

NTPC Ltd. CRISIL A1+ 6.05%

Export-Import Bank of India CRISIL A1+ 6.05%SBI Cards & Payment Services Ltd. CRISIL A1+ 4.53%

Muthoot Finance Ltd. CRISIL A1+ 4.31%

ICICI Securities Ltd. CRISIL A1+ 3.54%

IIFL Facilities Services Ltd. CRISIL A1+ 3.19%

IIFL Wealth Finance Ltd. CRISIL A1+ 2.43%Motilal Oswal Financial Services Ltd. CRISIL A1+ 2.40%

Total 46.56%

Certificate of Deposit**

IndusInd Bank Ltd. CRISIL A1+ 2.96%

ICICI Bank Ltd. [ICRA]A1+ 0.45%

Total 3.41%

Treasury Bills

84 DAYS CMB 20.08.20 Sovereign 23.34%




Total 49.11%


Total 0.10%



Total -1.07%

Grand Total 100.00%

Investor exit upon subscription

Exit load as % of Redemption proceeds

Day 1 0.0070%

Day 2 0.0065%Day 3 0.0060%Day 4 0.0055%Day 5 0.0050%Day 6 0.0045%Day 7 onwards 0.0000%

SIP (Minimum)

Plans & Option

Fund Managers#



A. Growth Option (default option in case no option specified by investor); B. Daily Dividend 1. Re-investment C. Weekly Dividend 1. Re-investment D. Bonus Option$

Mr. Alok Sahoo


Ms. Hetal Shah






AAUM & AUM

AAUM ` 3,715.62 Crs

AUM ` 3,289.34 Crs

Plan A 0.32%


Total Expense Ratio

Ratings

- 0.97%

0.45%

1.89%

49.11%

49.52%


[ICRA]A1+

CRISIL AAA

Sovereign

CRISIL A1+

Instruments

49.11%

46.56%

3.41%1.89%

0.10%-1.07% Treasury Bills

Commercial Paper


BONDS & NCDs


Cash & Cash

Equivalents

31 July, 2020

20


Investment ObjectiveThe primary objective of the scheme is to generate returns, commensurate with low risk and providing high level of liquidity, through investments made primarily in overnight securities having maturity of one business day. There is no assurance that the investment objective of the scheme will be realized.

Benchmark

Plans & Option

Minimum Investment

Load Structure

CRISIL Overnight Index

RegulaR and diRect


B. Dividend Option

The Dividend option offers the following sub-options1. Daily Dividend (default in case no sub-option is specified by the investor)2. Weekly DividendDividends, if any, declared by the scheme will be compulsorily re-invested.


Entry Load: NA

Exit Load: NIL

Date of InceptionApril 25, 2019

Baroda Overnight Fund(An open-ended debt scheme investing in overnight securities)

Portfolio

Name of Instruments% to Net

Assets


Total 99.46%



Total 0.54%

Grand Total 100.00%

Riskometer


• Generate returns, commensurate with low risk and high level of liquidity.

• Invest in overnight securities having maturity of one business day.


Regular `

Growth 1058.5219



Direct `

Growth 1059.1983




SIP (Minimum)

Fund Managers#


Mr. Alok Sahoo


Ms. Hetal Shah


AAUM & AUM

AAUM ` 139.27 Crs

AUM ` 118.95 Crs

Regular 0.12%

Direct 0.04%

Total Expense Ratio






31 July, 2020

21


Investment ObjectiveThe primary objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made in money market instruments.

Baroda Money Market FundAn open ended debt scheme investing in money market instruments.

Riskometer


• Regular income over short term.

• Investments in money market instruments having maturity upto 1 year.


Regular `

Growth 1064.9018




Direct `

Growth 1068.3338

Dividend - Daily NA

Dividend - Weekly NA

Dividend - Monthly NA


Portfolio



% to NetAssets

MONEY MARKET INSTRUMENT

Commercial Paper**

Muthoot Finance Ltd. CRISIL A1+ 10.69%

Total 10.69%

Certificate of Deposit**

IndusInd Bank Ltd. CRISIL A1+ 10.67%

Total 10.67%

Treasury Bills


Total 53.56%


Total 27.17%



Total -2.09%

Grand Total 100.00%

Ratings

25.08%

21.36%

53.56%


CRISIL A1+

Sovereign

Instruments

53.56%

27.17%

10.69%

10.67%-2.09% Treasury Bills


Investments

Commercial Paper


Cash & Cash

Equivalents

Benchmark

Plans & Option

Minimum Investment

Load Structure

CRISIL Money Market Index

RegulaR and diRect


B. Dividend Option

The Dividend option offers the following sub-options1. Daily Dividend • Re-investment2. Weekly Dividend • Re-investment3. Monthly Dividend • Pay-out and• Re-investment (default)Dividend declared by the Scheme in Daily Dividend and Weekly Dividend will be compulsorily re-invested.


Entry Load: NA

Exit Load: NIL

Date of InceptionJune 19, 2019






AAUM & AUM

AAUM ` 24.38 Crs

AUM ` 19.08 Crs

Regular 0.65%

Direct 0.32%

Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Mr. Karn Kumar



31 July, 2020

22


Investment Performance

Funds Managed by Mr. Sanjay Chawla & Mr. Dipak Acharya

Date Of Inception: 12/09/20031 Year 3 Years 5 Years

Since InceptionScheme Name & Benchmark

Baroda Multi Cap Fund (in %)^ 0.67 -0.74 3.18 14.19S&P BSE 500 TRI (Scheme Benchmark) (in %)* 1.45 2.32 6.34 14.66Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 14.63` 10,000, if invested in BMCF, would have become ` 10,067 ` 9,780 ` 11,695 ` 94,170` 10,000, if invested in S&P BSE 500 TRI, would have become ` 10,145 ` 10,713 ` 13,602 ` 100,898` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 100,368^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. * With effect from October 29, 2019 the benchmark has been changed to S&P BSE 500 TRI. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.



Baroda ELSS’ 96 (in %)^ 0.27 -2.52 1.87 11.10S&P BSE 200 TRI (Scheme Benchmark) (in %)* 1.68 3.31 6.69 12.14Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 12.02` 10,000, if invested in BELSS’96, would have become ` 10,027 ` 9,263 ` 10,972 ` 129,736` 10,000, if invested in S&P BSE 200 TRI, would have become ` 10,168 ` 11,026 ` 13,830 ` 162,811` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 158,692^Past performance may or may not be sustained in the future.Data is for Dividend Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns have been computed assuming that all payouts during the period have been reinvested in the units of the Scheme at the respective prevailing NAVs. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. * with effect from 2nd May 2016 the benchmark has been changed to S&P BSE 200. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 31 Mar 1996 to 29 June 2007, and TRI values since 29 June 2007.



Baroda Hybrid Equity Fund (in %)^ 1.28 -0.24 3.79 10.44CRISIL Hybrid 35+65 - Aggressive index& (Scheme Benchmark) (in %) 6.95 5.88 8.20 12.61Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 14.63` 10,000, if invested in BHEF, would have become ` 10,128 ` 9,930 ` 12,045 ` 53,530` 10,000, if invested in CRISIL Hybrid 35+65 - Aggressive index (effective February 1, 2018), would have become ` 10,695 ` 11,871 ` 14,833 ` 74,387` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 100,368^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.&(Benchmark has been renamed effective February 1, 2018). The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).



Baroda Mid-Cap Fund (in %)^ 4.73 -0.74 0.67 -1.26S&P BSE MidCap TRI (Scheme Benchmark)& (in %) 2.01 -2.65 5.24 6.68Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 7.45` 10,000, if invested in BMCF, would have become ` 10,473 ` 9,779 ` 10,340 ` 8,830` 10,000, if invested in S&P BSE MidCap TRI, would have become ` 10,201 ` 9,224 ` 12,912 ` 18,879` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 20,273^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Sanjay Chawla is managing the Scheme with Mr. Dipak Acharya effective October 3, 2016. &(Scheme Benchmark has been changed to S&B BSE Mid-cap Index effective October 3, 2016)Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).



Baroda Large Cap Fund (in %)^ 3.01 1.36 3.19 3.64Nifty 100 TRI (Scheme Benchmark)& (in %) 1.10 3.76 6.70 9.15Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 8.84` 10,000, if invested in BLCF, would have become ` 10,301 ` 10,414 ` 11,705 ` 14,350` 10,000, if invested in Nifty 100 TRI, would have become ` 10,110 ` 11,172 ` 13,835 ` 24,253` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 23,567^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Sanjay Chawla is managing the Scheme with Mr. Dipak Acharya effective October 3, 2016. &(Scheme Benchmark has been changed to Nifty 100 effective October 3, 2016)Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).



Baroda Banking and Financial Services Fund (in %)^ -19.51 -4.30 2.65 7.94Nifty Bank Index TRI (Scheme Benchmark) (in %) -24.91 -4.55 3.44 10.69Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 4.46 6.66 11.27` 10,000, if invested in BBFSF, would have become ` 8,049 ` 8,765 ` 11,398 ` 18,590` 10,000, if invested in Nifty Bank Index TRI, would have become ` 7,509 ` 8,695 ` 11,846 ` 22,798` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 11,400 ` 13,811 ` 23,785^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Funds Managed by Mr. Dipak Acharya

23



Date Of Inception: 14/11/2018 1 Year Since InceptionScheme Name & BenchmarkBaroda Dynamic Equity Fund (in %)^ 14.61 11.0750% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI (Scheme Benchmark) (in %) 8.14 8.08Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 3.94` 10,000, if invested in BDEF, would have become ` 11,461 ` 11,970` 10,000, if invested in 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI, would have become ` 10,814 ` 11,423` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 10,684^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). The scheme has been in existence for more than 1 year but less than 3 years since inception.



Baroda Short Term Bond Fund (in %)^ 8.30 7.81 8.28 8.23CRISIL Short Term Bond Fund Index (Scheme Benchmark) (in %) 11.16 8.44 8.61 8.52CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.05 7.04 7.00` 10,000, if invested in BSTBF, would have become ` 10,830 ` 12,535 ` 14,890 ` 22,215` 10,000, if invested in CRISIL Short Term Bond Fund Index, would have become ` 11,116 ` 12,756 ` 15,121 ` 22,832` 10,000, if invested in CRISIL 1 year T-Bill, would have become ` 10,724 ` 12,270 ` 14,055 ` 19,803^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.



Baroda Liquid Fund (in %)^ 5.18 6.53 6.92 7.53CRISIL Liquid Fund Index (Scheme Benchmark) (in %) 5.53 6.72 6.96 7.28CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.05 7.04 6.44` 10,000, if invested in BLF, would have become ` 10,518 ` 12,093 ` 13,978 ` 23,019` 10,000, if invested in CRISIL Liquid Fund Index, would have become ` 10,553 ` 12,157 ` 14,002 ` 22,429` 10,000, if invested in CRISIL 1 year T-Bill, would have become ` 10,724 ` 12,270 ` 14,055 ` 20,483^Past performance may or may not be sustained in the future.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.



Baroda Treasury Advantage Fund (scheme has one segregated portfolio) (in %)^ -19.31 -9.16 -2.35 3.45CRISIL Low Duration Debt Index (Scheme Benchmark) (in %)* 8.35 7.94 8.13 7.77CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.05 7.04 6.54` 10,000, if invested in BTAF, would have become ` 8,069 ` 7,495 ` 8,877 ` 14,580` 10,000, if invested in CRISIL Low Duration Debt Index, would have become ` 10,835 ` 12,577 ` 14,788 ` 22,957` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,724 ` 12,270 ` 14,055 ` 20,210^Past performance may or may not be sustained in the future.*With effect from October 29, 2019 the benchmark has been changed to CRISIL Low Duration Debt Index.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.

Impact of segregationFall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -21.82%



Baroda Dynamic Bond Fund (in %)^ 6.83 3.12 5.90 7.22CRISIL Composite Bond Fund Index (Scheme Benchmark) (in %) 12.25 8.71 9.49 9.28CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.05 7.04 7.24` 10,000, if invested in BDBF, would have become ` 10,683 ` 10,968 ` 13,324 ` 17,577` 10,000, if invested in CRISIL Composite Bond Fund Index, would have become ` 11,225 ` 12,849 ` 15,740 ` 20,506` 110,000, if invested CRISIL 1 year T-Bill, would have become ` 10,724 ` 12,270 ` 14,055 ` 17,603^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.

Date Of Inception: 25/04/2019 1 Year Since InceptionScheme Name & BenchmarkBaroda Overnight Fund (in %)^ 4.25 4.57CRISIL Overnight Index (Scheme Benchmark) (in %) 4.26 4.61CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.42` 10,000, if invested in BONF, would have become ` 10,425 ` 10,583` 10,000, if invested in CRISIL Overnight Index would have become ` 10,426 ` 10,588` 110,000, if invested CRISIL 1 year T-Bill, would have become ` 10,724 ` 10,951^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. The scheme has been in existence for more than 1 year but less than 3 years since inception.

Date Of Inception: 25/07/20191 Year


Baroda Equity Savings Fund (in %)^ 9.75 9.8040% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI (Scheme Benchmark) (in %) 6.39 6.19Nifty 50 TRI (Standard Benchmark) (in %)$ 0.68 -0.50` 10,000, if invested in BESF, would have become ` 10,975 ` 11,000` 10,000, if invested in 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI, would have become ` 10,639 ` 10,631` 10,000, if invested in Nifty 50 TRI, would have become ` 10,068 ` 9,949^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. The scheme has been in existence for more than 1 year but less than 3 years since inception.

Funds Managed by Mr. Sanjay Chawla, Mr. Alok Sahoo and Mr. Dipak Acharya

Funds Managed by Mr. Alok Sahoo and Ms. Hetal Shah

Funds Managed by Mr. Dipak Acharya, Mr. Pratish Krishnan and Mr. Alok Sahoo

24



Date Of Inception: 01/06/20181 Year Since InceptionScheme Name & Benchmark

Baroda Ultra Short Duration Fund (in %)^ 6.32 7.40CRISIL Ultra Short Fund Index (Scheme Benchmark) (in %) 7.13 7.85CRISIL 1 Year T-Bill Index (Standard Benchmark)$ 7.24 7.55` 10,000, if invested in BUSDF, would have become ` 10,632 ` 11,672` 10,000, if invested in CRISIL Ultra Short Fund Index, would have become ` 10,713 ` 11,779` 10,000, if invested in CRISIL 1 Year T-Bill Index, would have become ` 10,724 ` 11,710^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.The scheme has been in existence for more than 1 year but less than 3 years since inception.



Baroda Credit Risk Fund (scheme has one segregated portfolio) (in %)^ -1.86 2.43 5.64 6.17CRISIL Short Term Credit Risk Index (Scheme Benchmark) (in %)* 11.16 9.11 9.07 9.14CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.05 7.04 7.14` 10,000, if invested in BCRF, would have become ` 9,814 ` 10,748 ` 13,163 ` 13,917` 10,000, if invested in CRISIL Short Term Credit Risk Index, would have become ` 11,116 ` 12,993 ` 15,446 ` 16,211` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,724 ` 12,270 ` 14,055 ` 14,639^Past performance may or may not be sustained in the future.*With effect from October 29, 2019 the benchmark has been changed to CRISIL Short Term Credit Risk Fund.Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Karn Kumar is managing the scheme along with Mr. Alok Sahoo since July 24, 2017.Impact of segregationFall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -2.24%

Date Of Inception: 19/06/20191 Year


Baroda Money Market Fund (in %)^ 5.37 5.79CRISIL Money Market Index (Scheme Benchmark) (in %)* 6.49 6.67CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 7.24 7.29` 10,000, if invested in BMMF, would have become ` 10,537 ` 10,649` 10,000, if invested in CRISIL Money Market Index, would have become ` 10,649 ` 10,748` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,724 ` 10,818^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.The scheme has been in existence for more than 1 year but less than 3 years since inception.



Baroda Conservative Hybrid Fund (in %)^ 9.85 7.95 7.78 6.59CRISIL Hybrid 85+15 - Conservative Index& (Scheme Benchmark) (in %) 11.54 8.27 9.35 8.83CRISIL 10 Year Gilt Index (Standard Benchmark) (in %)$ 7.72 6.85 8.40 6.40` 10,000, if invested in BCHF, would have become ` 10,985 ` 12,583 ` 14,548 ` 27,610` 10,000, if invested in CRISIL Hybrid 85+15 - Conservative Index, would have become ` 11,154 ` 12,694 ` 15,645 ` 38,421` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,772 ` 12,203 ` 14,974 ` 26,817^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. &(Benchmark has been renamed effective February 1, 2018). The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016.



Baroda Gilt Fund (in %)^ 9.03 7.30 8.14 6.70I-Sec Mi-BEX (Scheme Benchmark) (in %) 11.94 9.40 9.86 8.15CRISIL 10 Year Gilt Index (Standard Benchmark)$ 7.72 6.85 8.40 6.93` 10,000, if invested in BGF, would have become ` 10,903 ` 12,357 ` 14,792 ` 32,913` 10,000, if invested in I-Sec Mi-BEX, would have become ` 11,194 ` 13,096 ` 16,012 ` 42,229` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,772 ` 12,203 ` 14,974 ` 34,243^Past performance may or may not be sustained in the future.Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of July has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.

Funds Managed by Ms. Hetal Shah

Disclaimers: Nifty Bank Index and Nifty 100: Baroda Large Cap Fund and Baroda Banking and Financial Services Fund (“said Schemes”) offered by Baroda Mutual Fund are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Schemes or any member of the public regarding the advisability of investing in securities generally or in the said Schemes linked to Nifty 100 and Nifty Bank Index or particularly in the ability of the Nifty Bank Index to track general stock market performance in India. Please read the full disclaimers in relation to the Nifty 100 and Nifty Bank Index in the Offer Document / Prospectus / Information Statement.

S&P BSE 200: Baroda ELSS’ 96 Fund and Baroda Dynamic Equity Fund (“said Scheme”) offered by Baroda Mutual Fund are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 200 or particularly in the ability of the S&P BSE 200 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 200 in the Offer Document / Prospectus / Information Statement.

S&P BSE 500: Baroda Multi Cap Fund (“said Scheme”) offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 500 or particularly in the ability of the S&P BSE 500 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 500 in the Offer Document / Prospectus / Information Statement.

S&P BSE Midcap Index is a product of AIPL, a joint venture among affiliates of S&P Dow Jones Indices LLC (“SPDJI”) and BSE Limited (“BSE”), and has been licensed for use by Baroda Asset Management India Ltd. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); BSE® is registered trademarks of BSE Limited; Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by AIPL and sublicensed for certain purposes by Baroda Asset Management India Ltd. Baroda Mid-Cap Fund is not sponsored, endorsed, sold or promoted by SPDJI, BSE, Dow Jones, S&P or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P BSE Midcap Index.

Funds Managed by Mr. Alok Sahoo and Mr. Karn Kumar

25


SIP Returns

Baroda Multi Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 2,030,000 Total Value as on July 31, 2020 (Rs) 123,652 355,781 640,246 1,006,921 1,708,270 5,142,639 Returns (%) 5.70 -0.76 2.56 5.10 6.87 10.13 Total Value of S&P BSE 500 TRI* (Rs) 125,228 366,322 689,244 1,101,243 1,924,007 5,722,807 S&P BSE 500 TRI* Returns (%) 8.19 1.13 5.49 7.61 9.13 11.23 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 1,916,382 5,709,139 Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 9.05 11.20 *With effect from October 29, 2019 the benchmark has been changed to S&P BSE 500.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.

Baroda ELSS’ 96 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 2,930,000 Total Value as on July 31, 2020 (Rs) 124,284 347,173 616,670 961,417 1,650,767 14,328,788 Returns (%) 6.70 -2.34 1.08 3.80 6.21 11.33 Total Values of S&P BSE 200 TRI* (Rs) 125,369 371,978 701,720 1,117,462 1,954,795 19,056,608 S&P BSE 200 TRI* Returns (%) 8.42 2.14 6.20 8.02 9.43 13.18 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 1,916,382 17,892,086 Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 9.05 12.77 * with effect from 2nd May 2016 the benchmark has been changed to S&P BSE 200.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.

Baroda Hybrid Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 2,030,000 Total Value as on July 31, 2020 (Rs) 124,373 356,931 641,767 995,190 1,677,897 4,070,528 Returns (%) 6.84 -0.56 2.66 4.77 6.52 7.70 Total Values of CRISIL Hybrid 35+65 – Aggressive Index (Rs) 127,828 396,762 738,370 1,167,329 2,004,693 5,472,357 CRISIL Hybrid 35+65 – Aggressive Index (%) 12.34 6.42 8.23 9.25 9.91 10.77 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 1,916,382 5,709,430

Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 9.05 11.20 The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Baroda Mid-Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 NA 1,180,000 Total Value as on July 31, 2020 (Rs) 127,209 356,118 636,970 928,785 NA 1,323,162 Returns (%) 11.35 -0.70 2.36 2.83 NA 2.29 Total Values of S&P BSE MidCap TRI^^ (Rs) 124,454 339,316 625,696 1,069,158 NA 1,865,950 S&P BSE MidCap TRI ^^ Returns (%) 6.97 -3.81 1.65 6.79 NA 9.02 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 NA 1,870,456 Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 NA 9.07 ^^Scheme benchmark has been changed to S&P BSE Mid-cap index effective October 3, 2016.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Baroda Large Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 1,220,000 Total Value as on July 31, 2020 (Rs) 124,790 372,030 672,080 1,048,979 1,682,184 1,710,827 Returns (%) 7.50 2.15 4.49 6.25 6.57 6.47 Total Values of Nifty 100 TRI^^ (Rs) 125,067 374,332 706,912 1,116,248 1,949,863 1,998,556 Nifty 100 TRI ^^ Returns (%) 7.94 2.55 6.50 7.99 9.38 9.37 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 1,916,382 1,963,796 Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 9.05 9.05 ^^Scheme benchmark has been changed to Nifty 100 effective October 3, 2016.Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Baroda Banking and Financial Services Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 NA 980,000 Total Value as on July 31, 2020 (Rs) 104,991 314,115 592,483 952,842 NA 1,192,987 Returns (%) -22.37 -8.66 -0.50 3.55 NA 4.73 Total Value of Nifty Bank Index TRI (Rs) 102,142 298,625 587,071 975,331 NA 1,255,480 Nifty Bank Index TRI Returns (%) -26.41 -11.77 -0.86 4.21 NA 5.95 Total Value of Nifty 50 TRI (Rs) 125,030 377,675 712,891 1,111,815 NA 1,413,316 Nifty 50 TRI Returns (%) 7.88 3.14 6.83 7.88 NA 8.77

Baroda Conservative Hybrid Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 1,910,000 Total Value as on July 31, 2020 (Rs) 128,596 421,339 752,584 1,149,128 1,873,823 3,564,548 Returns (%) 13.59 10.50 9.00 8.81 8.63 7.39 Total Value of CRISIL Hybrid 85+15 - Conservative Index (Rs) 129,376 423,301 768,037 1,195,423 1,982,647 4,144,086 CRISIL Hybrid 85+15 - Conservative Index (%) 14.85 10.82 9.82 9.91 9.70 9.09 Total Value of CRISIL 10 Year Gilt Index Returns (Rs) 126,554 421,143 745,714 1,142,467 1,823,649 3,549,560 CRISIL 10 Year Gilt Index Returns (%) 10.31 10.47 8.63 8.65 8.11 7.35

Baroda Dynamic Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 NA NA NA NA 210,000 Total Value as on July 31, 2020 (Rs) 133,710 NA NA NA NA 237,868 Returns (%) 21.90 NA NA NA NA 14.35 Total Value of 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (Rs) 127,755 NA NA NA NA 226,360 CRISIL 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (%) 12.23 NA NA NA NA 8.47

Total Value of Nifty 50 TRI (Rs) 125,030 NA NA NA NA 215,201 Nifty 50 TRI (%) 7.88 NA NA NA NA 2.71

Baroda Equity Savings Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120,000 NA NA NA NA 130,000 Total Value as on July 31, 2020 (Rs) 128,807 NA NA NA NA 139,807 Returns (%) 13.92 NA NA NA NA 13.36 Total Value of 40% NSE 50 Arbitrage index, 35% NIFTY ShortDuration Debt index and 25% NSE100 index (TRI) (Rs) 125,127 NA NA NA NA 135,757 CRISIL 40% NSE 50 Arbitrage index, 35% NIFTY ShortDuration Debt index and 25% NSE100 index (TRI) (TRI) (%) 8.03 NA NA NA NA 7.78

Total Value of Nifty 50 TRI (Rs) 125,030 NA NA NA NA 135,035 Nifty 50 TRI (%) 7.88 NA NA NA NA 6.80 Past performance may or may not be sustained in the future.For SIP calculations above, the data assumes the investment of `10000/- on 1st day of every month or the subsequent working day. Load & Taxes are not considered for computation of returns. Performance for dividend option would assume reinvestment of tax free dividends declared at the then prevailing NAV.CAGR returns are computed after accounting for the cash flow by using XIRR method (investment internal rate of return). Where Benchmark returns are not available, they have not been shown.

26


Record Date Ex-Dividend NAV (Rs) Per Unit$ (Rs)

Baroda Multi Cap Fund - Plan A - Dividend24-Mar-20 20.71 2.8022-Mar-19 30.20 2.8016-Mar-18 37.10 3.50Baroda Multi Cap Fund - Plan B - Direct - Dividend24-Mar-20 20.99 2.8022-Mar-19 30.33 2.8016-Mar-18 36.88 3.50Baroda ELSS 96 - Plan A - Dividend22-Mar-19 26.45 1.5516-Mar-18 32.86 3.2523-Mar-17 32.07 2.50 Baroda ELSS 96 - Plan B - Direct - Dividend22-Mar-19 32.18 1.5516-Mar-18 38.61 3.2523-Mar-17 36.88 2.50 Baroda Large Cap Fund - Plan A - Dividend22-Mar-19 11.22 0.95Baroda Large Cap Fund - Plan B - Direct - Dividend22-Mar-19 11.82 0.95Baroda Banking and Financial Services Fund - Plan A - Dividend22-Mar-19 15.23 1.8516-Mar-18 17.11 1.75Baroda Banking and Financial Services Fund - Plan B - Direct - Dividend22-Mar-19 16.23 1.8516-Mar-18 17.89 1.75Baroda Hybrid Equity Fund - Plan A - Dividend26-Jun-20 13.00 0.3024-Mar-20 11.54 0.3724-Dec-19 15.07 0.33Baroda Hybrid Equity Fund - Plan B - Direct - Dividend26-Jun-20 14.99 0.3024-Mar-20 13.25 0.3024-Dec-19 17.22 0.33Baroda Conservative Hybrid Fund - Plan A - Monthly Dividend27-Jul-20 14.5554 0.0726-Jun-20 14.2587 0.0727-May-20 14.8871 0.07Baroda Conservative Hybrid Fund - Plan B - Direct - Monthly Dividend27-Jul-20 15.3781 0.0726-Jun-20 15.0507 0.0727-May-20 14.8871 0.07Baroda Conservative Hybrid Fund - Plan A - Quarterly Dividend26-Jun-20 13.7832 0.2024-Mar-20 13.2766 0.2024-Dec-19 13.4556 0.20Baroda Conservative Hybrid Fund - Plan B - Direct - Quarterly Dividend26-Jun-20 13.8336 0.2024-Mar-20 13.2969 0.2024-Dec-19 13.5564 0.20Baroda Credit Risk Fund - Plan A - Quarterly Dividend24-Dec-19 10.1625 0.0504-Oct-19 10.2252 0.0827-Jun-19 10.1433 0.15Baroda Credit Risk Fund - Plan B - Direct - Quarterly Dividend26-Jun-20 10.2800 0.0524-Dec-19 10.7734 0.0504-Oct-19 10.8090 0.10Baroda Credit Risk Fund - Plan A - Monthly Dividend27-Feb-20 10.1651 0.0727-Jan-20 10.1231 0.0725-Oct-19 10.1291 0.07Baroda Credit Risk Fund - Plan B - Direct - Monthly Dividend27-Apr-20 10.1464 0.0727-Mar-20 10.3549 0.0727-Feb-20 10.7546 0.07

Record Date Ex-Dividend NAV (Rs) Per Unit$ (Rs)

Baroda Dynamic Bond Fund - Plan A - Dividend24-Mar-20 12.6931 0.2016-Mar-18 13.3863 1.0027-Jun-16 12.1528 0.40 Baroda Dynamic Bond Fund - Plan B - Direct - Dividend24-Mar-20 13.5158 0.2016-Mar-18 14.0540 1.0027-Jun-16 12.5981 0.40 Baroda Gilt Fund - Plan A - Dividend24-Mar-20 21.8348 0.2016-Mar-18 20.1217 1.5024-Jun-16 19.4927 1.20 Baroda Gilt Fund - Plan B - Direct - Dividend24-Mar-20 28.4562 0.20Baroda Liquid Fund - Plan A - Dividend04-Mar-05 1016.27 35.0006-Jan-04 1004.32 95.0013-May-02 1002.43 7.50Baroda Short Term Bond Fund - Plan A - Monthly Dividend27-Jul-20 10.1510 0.1226-Jun-20 10.1691 0.0427-May-20 10.0485 0.06Baroda Short Term Bond Fund - Plan B - Direct - Monthly Dividend27-Jul-20 10.1516 0.1226-Jun-20 10.1701 0.0427-May-20 10.0491 0.06Baroda Short Term Bond Fund - Plan A - Quarterly Dividend26-Jun-20 10.6731 0.1524-Dec-19 10.4020 0.15Baroda Short Term Bond Fund - Plan B - Direct - Quarterly Dividend26-Jun-20 10.8690 0.1524-Dec-19 10.5526 0.15Baroda Treasury Advantage Fund Reg - Monthly Dividend26-Apr-19 1001.01 3.4727-Mar-19 1000.99 8.8027-Feb-19 1000.40 1.48 Baroda Treasury Advantage Fund - Plan A - Monthly Dividend26-Apr-19 1001.01 3.4727-Mar-19 1000.99 8.8027-Feb-19 1000.40 1.48 Baroda Treasury Advantage Fund - Plan B - Direct - Monthly Dividend26-Apr-19 1001.05 3.7327-Mar-19 1001.01 9.0327-Feb-19 1000.42 1.74 Baroda Treasury Advantage Fund Reg - Quarterly Dividend27-Jun-14 1006.66 23.3821-Mar-14 1011.22 7.7924-Jun-16 1036.72 14.45Baroda Treasury Advantage Fund - Plan A - Quarterly Dividend22-Mar-19 1028.09 17.0026-Dec-18 1029.11 17.00 26-Sep-18 1035.45 17.00Baroda Treasury Advantage Fund - Plan B - Direct - Quarterly Dividend22-Mar-19 1039.25 18.0026-Dec-18 1040.36 17.00 26-Sep-18 1025.18 17.00Baroda Money Market Fund - Reg - Monthly Dividend27-Jul-20 1011.70 3.8026-Jun-20 1003.55 3.3627-May-20 1004.45 6.86

$ Face value is ` 10/- in all schemes other than Baroda Liquid Fund, Baroda Treasury Advantage Fund and Baroda Money Market Fund where the face value is ` 1,000/- per unit.# Pursuant to payment of dividend, the NAVs of the schemes would fall to the extent of payout and statutory levy (if applicable).

Dividend History

27


KFIN Technologies Private Limited(Formerly known as Karvy Fintech Private Limited)Address and Contact details MFS Branches

• Agartala: Tel: 0381-2317519 Email: [email protected] • Agra: Tel: 7518801801 Email: [email protected] • Ahmedabad: Tel: 9081903021 Email: [email protected] • Ajmer: Tel: 0145-5120725 Email: [email protected] •Akola: Tel: 0724-2451874 Email: [email protected] • Aligarh: Tel: 7518801802 Email: [email protected] • Allahabad: Tel: 7518801803 Email: [email protected] • Alleppy: Tel: 0477 2263055 Email: [email protected] • Alwar: Tel: 0144-2335550 / 0144-2335551 Email: [email protected] • Amaravathi: Tel: 0721 2569198 Email: [email protected] • Ambala: Tel: 7518801804 Email: [email protected] • Amritsar: Tel: 0183-5053802 Email: [email protected] • Anand: Tel: 9081903038 Email: [email protected] • Ananthapur: Tel: 08554-244449 Email: [email protected] • Ankleshwar: Tel: 9081903037 Email: [email protected] • Asansol: Tel: 0341-2220077 Email: [email protected] •Aurangabad: Tel: 0240-2343414 Email: [email protected] • Azamgarh: Tel: 05462-247947 / 7518801805 Email: [email protected] • Balasore: Tel: 06782-260503 Email: [email protected] • Bangalore: Tel: 080-26602852 Email: [email protected] • Bankura: Tel: 03242-255964 Email: [email protected] • Bareilly: Tel: 7518801806 Email: [email protected] • Barhampore (WB): Tel: 0348- 2274494 / 0348-2254745 / 2309237 Email: [email protected] • Baroda: Tel: 0265-2353506/07 Email: [email protected] • Begusarai: Tel: 7518801807 Email: [email protected] • Belgaum: Tel: 0831 2402544 Email: [email protected] • Bellary: Tel: 08392-254750 Email: [email protected] • Berhampur (OR): Tel: 0680-2228106 Email: [email protected] • Betul: Tel: 07141-231301 Email: [email protected] • Bhagalpur: Tel: 7518801808 Email: [email protected] • Bharuch: Tel: 9081903042 Email: [email protected] • Bhatinda: Tel: 0164- 5006725 Email: [email protected] • Bhavnagar: Tel: 278-3003149 Email: [email protected] • Bhilai: Tel: 0788-2289499 / 2295332 Email: [email protected] • Bhilwara: Tel: 01482-246362 / 246364 Email: [email protected] • Bhopal: Tel: 0755-4092712 / 0755-4092715 Email: [email protected] • Bhubaneswar: Tel: 0674-2548981 / 0674-2360334 Email: [email protected] • Bikaner: Tel: 0151-2200014 Email: [email protected] • Bilaspur: Tel: 07752-470070 Email: [email protected] • Bokaro: Tel: 7542979444 / 06542-335616 Email: [email protected] • Burdwan: Tel: 0342-2665140 Email: [email protected] • Calicut: Tel: 0495-4022480 Email: [email protected] • Chandigarh: Tel: 0172-5101342 Email: [email protected] • Chandrapur: Tel: 07172-270262 / 07172-277584 Email: [email protected] • Chennai: Tel: 044-42028512 / 044-42028513 / 044-42028858 / Fax: 044-42028514 Email: [email protected] • Chinsura: Tel: 033-26810164 Email: [email protected] • Cochin: Tel: 0484 - 4025059 Email: [email protected] • Coimbatore: Tel: 0422 – 4388011/12/13/14 / 0422 - 4388451 Email: [email protected] • Cuttack: Tel: 0671-220 30 77 Email: [email protected] • Darbhanga: Tel: 7518801809 Email: [email protected] • Davangere: Tel: 0819-2258714 Email: [email protected] • Dehradun: Tel: 7518801810 Email: [email protected] • Deoria: Tel: 7518801811 Email: [email protected] • Dewas: Tel: 07272-426010 Email: [email protected] • Dhanbad: Tel: 9264445981 Email: [email protected] • Dharwad: Tel: 0836- 2744207 Email: [email protected] • Dhule: Tel: 02562-282823 Email: [email protected] • Dindigul: Tel: 0451- 2436177 Email: [email protected] • Durgapur: Tel: 0343-6512111 Email: [email protected] • Eluru: Tel: 08812-227851 / 52 / 53 / 54 / 9959152347 Email: [email protected] • Erode: Tel: 0424-4021212 Email: [email protected] • Faridabad: Tel: 7518801812 Email: [email protected] • Ferozpur: Tel: 01632-241814 Email: [email protected] • andhidham: Tel: 9081903027 Email: [email protected] • Gandhinagar: Tel: 079 23244955 Email: [email protected] • Gaya: Tel: 0631-2220065 Email: [email protected] • Ghaziabad: Tel: 7518801813 Email: [email protected] • Ghazipur: Tel: 7518801814 Email: [email protected] • Gonda: Tel: 7518801815 / 9453961547 Email: [email protected] • Gorakhpur: Tel: 7518801816 / 8081127735 Email: [email protected] • Gulbarga: Tel: 8088934338 Email: [email protected] • Guntur: Tel: 0863-2339094 Email: [email protected] • Gurgaon: Tel: 7518801817 Email: [email protected] • Guwahati: Tel: 8811036746 / 0361-2203324 Email: [email protected] • Gwalior: Tel: 7518801818 Email: [email protected] • Haldwani: Tel: 7518801819 Email: [email protected] • Haridwar: Tel: 7518801820 Email: [email protected] • Hassan: Tel: 08172 262065 Email: [email protected] • Hissar: Tel: 7518801821 Email: [email protected] • Hoshiarpur: Tel: 01882-500143 Email: [email protected] • Hubli: Tel: 0836-2252444 Email: [email protected] • Hyderabad: Tel: 040-44857874 / 75 / 76 Email: [email protected] • Indore: Tel: 0731-4266828/4218902 Email: [email protected] • Jabalpur: Tel: 0761- 4923301. Email: [email protected] • Jaipur: Tel: 1414167715/17 Email: [email protected] • Jalandhar: Tel: 0181-5094410 Email: [email protected] • Jalgaon: Tel: 9421521406 Email: [email protected] • Jalpaiguri: Tel: 03561-222136 Email: [email protected] • Jammu: Tel: 0191-2458820 / 2458818 Email: [email protected] • Jamnagar: Tel: 0288 3065810 / 2558887 Email: [email protected] • Jamshedpur: Tel: 0657-6655003 / 6655004 / 6655005 / 6655006 / 6655007 Email: [email protected] • Jaunpur: Tel: 7518801822 Email: [email protected] • Jhansi: Tel: 7518801823 Email: [email protected] • Jodhpur: Tel: 7737014590 Email: [email protected] • Junagadh: Tel: 0285-2652220 Email: [email protected] • Kannur: Tel: 0497-2764190 Email: [email protected] • Kanpur: Tel: 7518801824 Email: [email protected] • Karaikudi: Tel: 04565-237192 Email: [email protected]• Karimnagar: Tel: 0878-2244773 Email: [email protected] • Karnal: Tel: 0184-2252524 Email: [email protected] • Karur: Tel: 04324-241755 Email: [email protected] • haragpur: Tel: 03222-253380 Email:[email protected] • Kolhapur: Tel: 0231 2653656 Email: [email protected] • Kolkata: Tel: 033 66285900 Email: [email protected] • Kollam: Tel: 0474-2747055 Email: [email protected] • Korba: Tel: 7518801826 Email: [email protected] • Kota: Tel: 0744-5100964 Email: [email protected] • Kottayam: Tel: 0481-2300868 / 2302420 Email: [email protected] • Kurnool: Tel: 08518-228550 Email: [email protected] • Lucknow: Tel: 7518801830 / 0522-2236819 / 3213115 Email: [email protected] • Ludhiana: Tel: 0161-4648747 Email: [email protected] • Madurai: Tel: 0452-2605856 Email: [email protected] • Malappuram: Tel: 0483-2731480 Email: [email protected] • Malda: Tel: 03512-223763 Email: [email protected] • Mandi: Tel: 7518801833 Email: [email protected] • Mangalore: Tel: 0824-2496289 Email: [email protected] • Margao: Tel: 0832-2731823 Email: [email protected] • Mathura: Tel: 7518801834 Email: [email protected] • Meerut: Tel: 7518801835 Email: [email protected] • Mehsana: Tel: 02762-242950 Email: [email protected] • Mirzapur: Tel: 7518801836 Email:[email protected] • Moga: Tel: 01636 - 230792 Email: [email protected] •Moradabad: Tel: 7518801837 Email: [email protected] • Morena: Tel: 7518801838 Email: [email protected] • Mumbai: Tel: 022-66235353 Email: [email protected] • Muzaffarpur: Tel: 7518801839 Email: [email protected] • Mysore: Tel: 0821-2438006 Email: [email protected] • Nadiad: Tel: 0268-2563245 Email: [email protected] • Nagerkoil: Tel: 04652 – 233552 Email: [email protected] • Nagpur: Tel: 0712-2533040 Email: [email protected] • Namakkal: Tel: 04286-234801 Email: [email protected] •Nanded: Tel: 02462-237885 Email: [email protected] • Nasik: Tel: 0253-6608999 / 0755-3010732 Email: [email protected] • Navsari: Tel: 9081903040 Email: [email protected] • Nellore: Tel: 0861 2349940 Email: [email protected] • New Delhi: Tel: 011- 43681700 Email: [email protected] Fax: 011-43681710 • Nizamabad: Tel: 08462-224366 Email: [email protected] • Noida: Tel: 7518801840 Email: [email protected] • Palghat: Tel: 9895968533 / 0491 - 2547373 Email: [email protected] • Panipat: Tel: 7518801841 / 0180-3095517 Email: [email protected] • Panjim: Tel: 0832-2426873 / 2426874 Email: [email protected] •Pathankot: Tel: 0186-5080188 Email: [email protected] • Patiala: Tel: 0175-5004349 Email: [email protected] • Patna: Tel: 0612-4323066 Email: [email protected] • Pollachi: Tel: 04259-235111 / 235122 / 235133 Email: [email protected] • Pondicherry: Tel: 0413 2220640 Email: [email protected] • Proddatur: Tel: 08564 - 242898 Email: [email protected] • Pudukottai: Tel: 04322 - 220050 Email: [email protected] • Pune: Tel: 020-66496700 / 66496701 Email: [email protected] • Raipur: Tel: 0771-4912611 Email: [email protected] • Rajahmundry: Tel: 0883-2434468/70 Email: [email protected] • Rajapalayam: Tel: 04563 - 232952 Email: [email protected] • Rajkot: Tel: 9081903025 Email: [email protected] • Ranchi: Tel: 0651-2331320 Email: [email protected] • Ratlam: [email protected], 07412-320398, 07412-402009 • Renukoot: Tel: 7518801842 Email: [email protected] • Rewa: Tel: 7518801843 Email: [email protected] • Rohtak: Tel: 7518801844 Email: [email protected] • Roorkee: Tel: 7518801845 Email: [email protected] • Rourkela: Tel: 0661-2500005 Email: [email protected] • Sagar: Tel: 07582-402404 Email: [email protected] • Saharanpur: Tel: 7518801846 Email: [email protected] • Salem: Tel: 0427-4020300 Email: [email protected] • Sambalpur: Tel: 0663-2533437 Email: [email protected] • Satna: Tel: 7518801847Email:[email protected] • Shaktinagar: Tel: 7518801848 Email: [email protected] • Shillong: Tel: 0364 - 2506106 Email: [email protected] • Shimla: Tel: 7518801849 Email: [email protected] • Shimoga: Tel: 08182-228799 Email: [email protected] • Shivpuri: Tel: 7518801850 Email: [email protected] • Sikar: Tel: 01572-250398 Email: [email protected] • Silchar: Tel: 3842261714 Email: [email protected] • Siliguri: Tel: 0353-2522579 Email: [email protected] • Sitapur: Tel: 7518801851 Email: [email protected] •Sivakasi: Tel: 04562 228816 Email: [email protected] • Solan: Tel: 7518801852 Email: [email protected] • Solapur: Tel: 0217-2300021 / 2300318 Email: [email protected] • Sonepat: Tel: 7518801853 Email: [email protected] • Sri Ganganagar: Tel: 0154-2470177 Email: [email protected] • Srikakulam: Tel: 8942229925 / 9248009412 Email: [email protected] • Sultanpur: Tel: 7518801854 Email: [email protected] • Surat: Tel: 9081903041 / 9081903035 Email: [email protected] • Thanjavur: Tel: 04362-275415 Email: [email protected] • Thodupuzha: Tel: 04862-211209 Email: [email protected] • Tirunelveli: Tel: 0462 2335137 Email: [email protected] • Tirupathi: Tel: 9885995544 / 0877-2255797 Email: [email protected] • Tirupur: Tel: 0421-2214221 / 0421-2214319 Email: [email protected] • Tiruvalla: Tel: 0469-2603303 Email: [email protected] • Trichur: Tel: 0487- 6999987 Email: [email protected] • Trichy: Tel: 0431-4020227 Email: [email protected] • Trivandrum: Tel: 0471 - 2725728 Email: [email protected] • Tuticorin: Tel: 0461-2334603 Email: [email protected] • Udaipur: Tel: 0294 2429370 Email: [email protected] • Ujjain: Tel: 0734-4250007 / 4250007 Email: [email protected] • alsad: Tel: 02632-258481 Email: [email protected] • Vapi: Tel: 9081903028 Email: [email protected] • Varanasi: Tel: 7518801855 Email: [email protected] • Vellore: Tel: 0416 2215007 Email: [email protected] • Vijayanagaram: Soubhagya, Tel: 08922-236965 Email: [email protected] • Vijayawada: Tel: 0866-6604032 / 39 / 40 Email: [email protected] • Visakhapatnam: Tel: 0891-2714125 Email: [email protected] • Warangal: Tel: 0870-2441513 Email: [email protected] • Yamuna Nagar: Tel: 7518801857 Email: [email protected]

Baroda Mutual Fund - Investor Service Centre

Contact Points: Toll Free Number: 1-800-267 0189 (9 am to 6 pm – Monday to Saturday all business days and 9 am to 2 pm on 2nd & 4th Saturday of the month)Email: [email protected] | Website:www.barodamf.comRegistered OfficeBaroda Asset Management India Ltd. (Formerly known as Baroda Pioneer Asset Management Company Ltd.)CIN : U65991MH1992PLC069414501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063.Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.Branch Offices DelhiBaroda Asset Management India Ltd. (Formerly known as Baroda Pioneer Asset Management Company Ltd.)Flat No. 103 & 104, First Floor,Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001. Phone: +91 011- 43514662, Fax: +91 11 4592117ChennaiBaroda Asset Management India Ltd. (Formerly known as Baroda Pioneer Asset Management Company Ltd.)HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T. Nagar, Chennai - 600017.Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539LucknowBaroda Asset Management India Limited* (Formerly known as Baroda Pioneer Asset Management Company Ltd.)G - 101 Ground Floor, SKI High Building, 11/05, Park Road, Hazaratganj, Lucknow-226001Phone: +91 0522- 43514564* currently not an ISCBangaloreBaroda Asset Management India Limited(Formerly known as Baroda Pioneer Asset Management Company Limited)Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095.

Phone: +91 080-25521375

Mutual Fund investments are subject to market risks,read all scheme related documents carefully.

surf through markets with ease.€¦ · jubilant foodworks ltd. consumer non durables 1.07% tata...

Documents