mr. sanjay chawla

2

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

Dear Investors,

Warm Greetings!After a strong 6.5% rally in month of May 2021, Indian Equity Market (as measured by Nifty 50 Index) consolidated during June, registering gains of 0.9%. The breadth though was positive with both midcap and small cap indices gaining by 3.6% and 6.9% respectively. Indian markets marginally outperformed both US and emerging markets during the month.

Positive sentiments were driven by steady decline in covid cases, pick up in vaccination, easing of lockdown like restrictions. Key concern though was a rise in inflation and likely impact of Delta Plus variant of Covid on a probable third wave. Sectorally, IT, Pharma and Consumer goods outperformed while Metals, Banking and Oil & Gas underperformed.

RBI’s Monetary Policy Committee (MPC) voted unanimously to keep the policy rates unchanged (Repo at 4%, Reverse Repo at 3.35%) while maintaining an accommodative stance, as long as it is necessary to sustain growth on durable basis. Inflation guidance marginally increased: RBI projected Consumer Price Inflation (CPI) 5.1% for FY22, with a marginal increase of 20-30bps from 2QFY22 onwards. While RBI’s CPI quarterly projection for Q1 at 5.2% was retained, it raised guidance for subsequent 3 quarters. They Inflation has been revised up to 5.4% (5.2% earlier) in Q2, 4.7% (4.4% earlier) in Q3, 5.3% (5.1% earlier) in Q4.

As per the RBI, rural demand remains strong and normal monsoon expected bodes well for sustaining in coming period. However, the increased spread of COVID-19 infections in rural and urban areas has dented the demand recovery. Taking these factors into consideration, RBI expects real GDP growth at 9.5% in FY22 down from earlier estimates of 10.5%. The sharpest cut in GDP estimates is in Q1FY2022 to 18.5% from previous estimates of 26.2%, despite the favourable base effect. Similarly, the GDP estimates were cut to 7.9% from 8.3% for Q2FY2022. The growth for Q3 and Q4 has been revised to 7.2% (5.4% earlier) and 6.6% (6.2% earlier) in Q4 respectively.

The US Federal Reserve maintained status quo, with an accommodative stance, and most importantly, hinted at tapering. On the tapering of USD120bn quantitative easing (QE) programme, the Fed noted that it is a function of ‘substantial further progress’ of the labour market and economic recovery. The Fed sounded more upbeat on US economic recovery than in its previous meet, as it raised 2021 GDP forecast by 50bps and inflation projections – Personal Consumption Expenditure (PCE) and core PCE – by 100bps and 80bps, respectively. As far as the ‘dot plots’ are concerned, 13 out of 18 members expect rate hikes in 2023.

Consumer Price Index (CPI) data released for May showed a spike which is 30bps above RBI’s upper target band of 6%. The surge was much higher than expected and was primarily led by food and beverages, pulses, fuel prices, edible oils, transport and household goods and services – these components increased by 220bps on an average YoY and 130bps on a month on month basis.

Amid favourable base effects, April Index of Industrial Production (IIP) registered an uptick of 134% YoY despite a fall in momentum owing to state-wide lockdowns. On QoQ basis IIP declined by 13% after year end activity in March, implying production actually held up well despite the restrictions. Probably the fact that lockdowns were more localised in nature and most manufacturing units were allowed to function despite the restrictions did help.

In terms of flows, foreign portfolio investors (FPIs) bought US$1.6 bn of Indian equities while domestic institutional investors (DIIs) bought US$943mn. On a Year to date basis FPIs have invested USD8.23bn while DIIs have reduced their negative outflows to USD 462mn.

Post the recent rally, Nifty index is up 12.5% on Year till date basis. Performance seems broadly in line with global markets such as US. Strong revival in growth globally, buoyant liquidity and favourable earnings yield gap is helping sustain positive sentiments. We remain cautiously optimistic on equities.

Source: Mospi.gov.in, RBI, Kotak Securities, Centrum Broking Limited

Sanjay Chawla

Chief Investment Officer

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

Mr. Sanjay ChawlaChief Investment Officer

CIO LETTER - June 2021

3


INDEX

How To Read Factsheet Pg 4

Baroda Multi Cap Fund Pg 5

Baroda ELSS’ 96 Pg 6

Baroda Large Cap Fund Pg 7

Baroda Large & Mid Cap Fund Pg 8

Baroda Mid Cap Fund Pg 9

Baroda Banking and Financial Services Fund Pg 10

Baroda Hybrid Equity Fund Pg 11

Baroda Dynamic Equity Fund Pg 12

Baroda Equity Savings Fund Pg 13

Baroda Conservative Hybrid Fund Pg 14

Baroda Credit Risk Fund (scheme has one segregated portfolio) Pg 15

Baroda Gilt Fund Pg 16

Baroda Dynamic Bond Fund Pg 17

Baroda Short Term Bond Fund Pg 18

Baroda Banking & PSU Bond Fund Pg 19

Baroda Treasury Advantage Fund (scheme has one segregated portfolio) Pg 20

Baroda Ultra Short Duration Fund Pg 21

Baroda Liquid Fund Pg 22

Baroda Money Market Fund Pg 23

Baroda Overnight Fund Pg 24

Investment Performance Pg 25

SIP Returns Pg 29

IDCW History Pg 30

4


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 The Regulations do not permit any Entry Load for subscription of Units.

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.

IDCW: IDCW stands for ‘Income Distribution cum Capital Withdrawal option’. The amounts can be distributed out of investors’ capital (Equalization Reserve), which is part of the sale price that represents realized gains, as may be declared by the Trustees at its discretion from time to time (subject to the availability of distributable surplus as calculated in accordance with the Regulations).

Investors are requested to note that, pursuant to SEBI circular no. SEBI/HO/IMD/DF3/CIR/P/2020/194 dated October 05, 2020 the nomenclature of the “Dividend Option(s) / Sub-option(s)” offered under all the existing schemes of Baroda MF has been renamed with effect from April 01, 2021. For complete details, investors are requested to refer Notice-cum-addendum No. 18/2021 uploaded on our website www.barodamf.com

5


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.

Date of Inception

Benchmark

September 12, 2003

NIFTY 500 Multicap 50:25:25 TRI^@

Total Return variant of the Benchmark Index(TRI)

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 25 - 28@Effective February 1, 2021 the benchmark of the Scheme is NIFTY 500 Multicap 50:25:25 TRI index^ For Disclaimer please refer page no 28

Plan A `

Growth 145.18

IDCW 37.33

Plan B - Direct `

Growth 156.38

IDCW 38.26

NAV as on 30th June 2021

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.

Sectoral Exposures (Equity)

Name of InstrumentsRatings /Industries

% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 8.63%ICICI Bank Ltd. Banks 5.59%HDFC Bank Ltd. Banks 5.17%Reliance Industries Ltd. Petroleum Products 4.56%

Radico Khaitan Ltd.Consumer Non Durables

2.91%

Sun Pharmaceutical Industries Ltd.

Pharmaceuticals 2.85%

Indian Railway Catering & Tourism Corporation Ltd.

Transportation 2.73%

Dalmia Bharat Ltd.Cement & Cement Products

2.69%

Axis Bank Ltd. Banks 2.58%Persistent Systems Ltd. Software 2.53%Sudarshan Chemical Industries Ltd.

Chemicals 2.44%

Aarti Industries Ltd. Chemicals 2.42%Indian Energy Exchange Ltd. Capital Markets 2.16%Sterlite Technologies Ltd. Telecom - Services 2.15%Can Fin Homes Ltd. Finance 2.01%Tata Power Company Ltd. Power 1.99%Polycab India Ltd. Industrial Products 1.89%

Hindalco Industries Ltd.Non - Ferrous Metals

1.87%

Tech Mahindra Ltd. Software 1.84%Mahindra & Mahindra Ltd. Auto 1.79%Mphasis Ltd. Software 1.64%Bharti Airtel Ltd. Telecom - Services 1.61%Housing Development Finance Corporation Ltd.

Finance 1.57%

Happiest Minds Technologies Ltd.

Software 1.54%

VIP Industries Ltd. Consumer Durables 1.54%

Bharat Electronics Ltd.Aerospace & Defense

1.53%

Jindal Steel & Power Ltd. Ferrous Metals 1.52%Indoco Remedies Ltd. Pharmaceuticals 1.48%

Ultratech Cement Ltd.Cement & Cement Products

1.46%

Ashok Leyland Ltd. Auto 1.41%Godrej Properties Ltd. Construction 1.41%


% to NetAssets

Rallis India Ltd. Pesticides 1.40%V-Mart Retail Ltd. Retailing 1.40%Motherson Sumi Systems Ltd.

Auto Ancillaries 1.28%

Pidilite Industries Ltd. Chemicals 1.24%Tata Steel Ltd. Ferrous Metals 1.23%

Emami Ltd.Consumer Non Durables

1.18%

Narayana Hrudayalaya Ltd. Healthcare Services 1.18%Larsen & Toubro Ltd. Construction Project 1.15%Cholamandalam Investment & Finance Co. Ltd.

Finance 1.13%

JB Chemicals & Pharmaceuticals Ltd.


Karur Vysya Bank Ltd. Banks 1.09%

Nestle India Ltd.Consumer Non Durables

1.01%

Inox Leisure Ltd. Entertainment 1.01%DCB Bank Ltd. Banks 0.99%Engineers India Ltd. Construction Project 0.99%Bank of Baroda Banks 0.99%Gulf Oil Lubricants India Ltd. Petroleum Products 0.93%Bajaj Electricals Ltd. Consumer Durables 0.89%Nazara Technologies Ltd. Entertainment 0.65%Sona Blw Precision Forgings Ltd.


Total 98.82%TREPS / Reverse Repo Investments 0.83%Total 0.83%Cash & Cash EquivalentsNet Receivable/Payable 0.35%Total 0.35%Grand Total 100.00%

Plan A 2.29%

Plan B (Direct) 1.41%

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

` 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. IDCW Option 1. Payout of IDCW 2. Re-investment of IDCW (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 12 months from the date of allotment of units, Nil if redeemed after 12 months from the date of allotment of units

Mr. Sanjay Chawla

(Experience 30 Years)

AAUM & AUM

AAUM ` 1,038.68 Crs

AUM ` 1,042.18 Crs

Standard deviation 20.06%

Sharpe@ 0.58

Beta 0.96

Portfolio Turnover (last 12 months)

0.92

@risk free rate (FBIL Overnight MIBOR) 3.36%

Risk Profile 30 June 2021

30th June, 2021

Chemicals6.10%

Pharmaceuticals5.45%

Software16.18%

Auto3.20%

Finance4.71%

Petroleum Products5.49%

Riskometer based on Scheme’s portfolio as on 30th June, 2021

Consumer Non

Durables5.10%

Telecom Services3.76%

Cement & Cement Products4.15%

Banks16.41%

BANK

6


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

Investment ObjectiveTo provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Plan A 2.50%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

March 31, 1996

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



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

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

Entry Load: NA

Exit Load: Nil

Mr. Sanjay Chawla


AAUM & AUM

AAUM ` 198.06 Crs

AUM ` 199.26 Crs


Sharpe@ 0.37

Beta 0.94


0.95



Portfolio Portfolio

Plan A `

Growth 62.31

Bonus 62.31

IDCW 35.34

Plan B - Direct `

Growth 67.96

Bonus 67.96

IDCW 44.36



• Capital growth over long term.

• Investment predominantly in equity and equity related instruments.



$ 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 25 - 28^ For Disclaimer please refer page no 28


% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 9.95%

ICICI Bank Ltd. Banks 6.48%

HDFC Bank Ltd. Banks 6.01%

Reliance Industries Ltd. Petroleum Products 4.85%

Axis Bank Ltd. Banks 3.47%


3.32%Indian Railway Catering & Tourism Corporation Ltd.

Transportation 3.06%Sun Pharmaceutical Industries Ltd.


Polycab India Ltd. Industrial Products 2.97%

Persistent Systems Ltd. Software 2.95%

Indian Energy Exchange Ltd. Capital Markets 2.35%

Sun TV Network Ltd. Entertainment 2.12%

Can Fin Homes Ltd. Finance 2.10%

Tech Mahindra Ltd. Software 1.92%Aditya Birla Fashion and Retail Ltd.

Retailing 1.89%

Dabur India Ltd.Consumer Non Durables

1.85%

Ashok Leyland Ltd. Auto 1.84%

PNC Infratech Ltd. Construction 1.81%

Hindalco Industries Ltd.Non - Ferrous Metals

1.77%

Mahindra & Mahindra Ltd. Auto 1.75%

The Federal Bank Ltd. Banks 1.75%

Symphony Ltd. Consumer Durables 1.68%

Sterlite Technologies Ltd. Telecom - Services 1.66%

Bharti Airtel Ltd. Telecom - Services 1.58%

Tata Power Company Ltd. Power 1.53%

Ultratech Cement Ltd.Cement & Cement Products

1.53%

Indoco Remedies Ltd. Pharmaceuticals 1.49%


% to NetAssets

Housing Development Finance Corporation Ltd.

Finance 1.45%Motherson Sumi Systems Ltd.


Steel Authority of India Ltd. Ferrous Metals 1.31%

SRF Ltd. Chemicals 1.28%

Coforge Ltd. Software 1.25%

Rallis India Ltd. Pesticides 1.22%

Timken India Ltd. Industrial Products 1.18%

Tata Steel Ltd. Ferrous Metals 1.17%

Gujarat Fluorochemicals Ltd. Chemicals 1.16%

Nazara Technologies Ltd. Entertainment 1.14%


1.12%

Nestle India Ltd.Consumer Non Durables

1.10%

Varun Beverages Ltd.Consumer Non Durables

1.10%

Jindal Steel & Power Ltd. Ferrous Metals 1.00%SBI Cards & Payment Services Ltd.

Finance 0.97%Sona Blw Precision Forgings Ltd.


Total 94.96%

TREPS / Reverse Repo Investments 1.88%

Total 1.88%

Cash & Cash Equivalents

Net Receivable/Payable 3.16%

Total 3.16%

Grand Total 100.00%

30th June, 2021

Consumer Non

Durables5.17%

Software16.07%


Finance4.52%

Auto3.59%


Industrial Products4.15%



BANK

Banks17.71%

Ferrous Metals3.48%

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 2.53%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

June 22, 2010

Nifty 100 TRI^@

Total Return variant of the Benchmark Index (TRI)



A. Growth Option (default option in case no option specified by investor); B. IDCW Option 1. Payout of IDCW; 2. Re-investment of IDCW (default sub-op-tion 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 ` 43.85 Crs

AUM ` 43.89 Crs


Sharpe@ 0.50

Beta 0.83


0.75



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 25 - 28 ^ For Disclaimer please refer page no 28@Baroda Large Cap Fund (“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 merchant ability 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 Nifty100, or particularly in the ability of the Nifty 100, to track general stock market performance in India.

Plan A `

Growth 19.89

IDCW 14.63

Plan B - Direct `

Growth 21.12

IDCW 15.76




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




% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchanges

Infosys Ltd. Software 9.98%

HDFC Bank Ltd. Banks 8.54%

ICICI Bank Ltd. Banks 7.19%

Axis Bank Ltd. Banks 5.12%

Reliance Industries Ltd. Petroleum Products 5.09%

Tata Steel Ltd. Ferrous Metals 3.33%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 3.08%


Larsen & Toubro Ltd. Construction Project 2.74%

Ultratech Cement Ltd. Cement & Cement Products 2.70%

Lupin Ltd. Pharmaceuticals 2.62%Housing Development Finance Corporation Ltd. Finance 2.43%

Kotak Mahindra Bank Ltd. Banks 2.33%Indian Railway Catering & Tourism Corporation Ltd. Transportation 2.32%Tata Consultancy Services Ltd. Software 2.29%SBI Cards & Payment Services Ltd. Finance 2.21%Motherson Sumi Systems Ltd. Auto Ancillaries 2.21%



Dabur India Ltd. Consumer Non Durables 1.95%

State Bank of India Banks 1.91%

Avenue Supermarts Ltd. Retailing 1.91%

Tech Mahindra Ltd. Software 1.87%

Hindalco Industries Ltd. Non - Ferrous Metals 1.87%


% to NetAssets

Mahindra & Mahindra Ltd. Auto 1.77%


Nestle India Ltd. Consumer Non Durables 1.61%

Pidilite Industries Ltd. Chemicals 1.47%

Siemens Ltd. Industrial Capital Goods 1.38%

Berger Paints India Ltd. Consumer Non Durables 1.38%

Bharat Petroleum Corporation Ltd. Petroleum Products 1.33%

Tata Consumer Products Ltd. Consumer Non Durables 1.20%

SBI Life Insurance Company Ltd. Insurance 1.15%

HCL Technologies Ltd. Software 1.12%

Divi's Laboratories Ltd. Pharmaceuticals 1.11%HDFC Life Insurance Company Ltd. Insurance 1.02%

Total 96.82%


Total 3.54%


Net Receivable/Payable -0.36%

Total -0.36%

Grand Total 100.00%

BANK

Banks25.09%

Finance4.64%

Software15.26%


Consumer Non

Durables6.14%

Auto3.73%


30th June, 2021



Ferrous Metals6.31%

Construction Project2.74%

8


Investment Objective The primary objective of the Scheme is to seek long term capital growth through investments in both large cap and mid cap stocks. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Regular 2.35%

Direct 0.91%

Date of Inception

Benchmark

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Managers#

September 4, 2020

S&P BSE 250 Large Mid Cap 65:35 TRI**Total Return variant of the Benchmark Index (TRI)

Plans: Regular and Direct

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

B. IDCW Option

1. Payout of IDCW

2. Re-investment of IDCW (default sub-option in case no option specified by investor)

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

Additional 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, on or before 365 days from the date of allotment of Units: NIL

If Units are redeemed over and above the 10% limit, on or before 365 days from the date of al-lotment of Units: 1% of the applicable Net Asset Value (NAV) -

If Units are redeemed after 365 days from the date of allotment of Units: NIL

The above Exit Load will be applicable on a FIFO (First-In-First-Out) basis, to all subscription trans-actions, excluding switch-ins.

Mr. Sanjay Chawla


Standard deviation -Sharpe@ -Beta - Portfolio Turnover (last 12 months) -



Mr. Ashwani Kumar Agarwalla


(Dedicated fund manager for overseas investments)

SIP (Minimum)

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

Portfolio Portfolio

Regular `

Growth 13.96

IDCW 13.96

Direct `

Growth 14.18

IDCW 14.18




• Investment predominantly in equity and equity related instru-ments of large and midcap stocks.



Baroda Large & Mid-Cap FundAn open-ended equity scheme investing in both large cap and mid cap stocks.


% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 9.27%HDFC Bank Ltd. Banks 6.09%ICICI Bank Ltd. Banks 5.43%Reliance Industries Ltd. Petroleum Products 5.23%Axis Bank Ltd. Banks 2.93%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 2.85%

Sona Blw Precision Forgings Ltd. Auto Ancillaries 2.69%

Indian Railway Catering & Tourism Corporation Ltd. Transportation 2.58%


Dalmia Bharat Ltd. Cement & Cement Products 2.37%

Lupin Ltd. Pharmaceuticals 2.34%SBI Cards & Payment Services Ltd. Finance 2.28%

Indian Energy Exchange Ltd. Capital Markets 2.20%Sun TV Network Ltd. Entertainment 2.07%Persistent Systems Ltd. Software 2.07%Mphasis Ltd. Software 2.00%

Dabur India Ltd. Consumer Non Durables 2.00%

Aarti Industries Ltd. Chemicals 1.97%Larsen & Toubro Ltd. Construction Project 1.88%Hindalco Industries Ltd. Non - Ferrous Metals 1.86%Polycab India Ltd. Industrial Products 1.85%Mahindra & Mahindra Ltd. Auto 1.82%Apollo Hospitals Enterprise Ltd. Healthcare Services 1.70%


Zydus Wellness Ltd. Consumer Non Durables 1.64%

Container Corporation of India Ltd. Transportation 1.64%

Jindal Steel & Power Ltd. Ferrous Metals 1.55%Bharat Electronics Ltd. Aerospace & Defense 1.39%Can Fin Homes Ltd. Finance 1.39%

Nestle India Ltd. Consumer Non Durables 1.38%

Tata Steel Ltd. Ferrous Metals 1.37%Coforge Ltd. Software 1.37%Aditya Birla Fashion and Retail Ltd. Retailing 1.35%

Ashok Leyland Ltd. Auto 1.34%JB Chemicals & Pharmaceuticals Ltd. Pharmaceuticals 1.30%


% to NetAssets

Housing Development Finance Corporation Ltd. Finance 1.28%

Voltas Ltd. Consumer Durables 1.28%Cummins India Ltd. Industrial Products 1.27%

Emami Ltd. Consumer Non Durables 1.23%


Motherson Sumi Systems Ltd. Auto Ancillaries 1.14%Trent Ltd. Retailing 1.13%Tech Mahindra Ltd. Software 1.03%Sterlite Technologies Ltd. Telecom - Services 0.99%State Bank of India Banks 0.98%Kotak Mahindra Bank Ltd. Banks 0.67%Nazara Technologies Ltd. Entertainment 0.38%Total 97.83%


Total 2.54%



Total -0.37%

Grand Total 100.00%

AAUM & AUMAAUM ` 626.70 Crs

AUM ` 640.15 Crs

Consumer Non

Durables6.25%


30th June, 2021

Software15.74%

Auto3.16%

Finance4.95%

** For Disclaimer please refer page no 28. # For performance of the Scheme and other funds managed by the said Fund manager, either

individually or jointly, please refer page no 25 - 28



Transportation4.22%

BANK

Banks16.10%


Auto Ancillaries

3.83%

9


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.

October 4, 2010

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


A. Growth Option (default option in case no option specified by investor); B. IDCW Option 1. Payout of IDCW 2. Re-investment of IDCW (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,


Date of Inception

Benchmark


Sharpe@ 0.69

Beta 0.84Portfolio Turnover (last 12 months)

1.30



Minimum Investment

Load Structure

Plans & Option


SIP (Minimum)

Plan A 2.52%


Total Expense Ratio

Fund Managers#

Portfolio Portfolio


Plan A `

Growth 14.67

IDCW 14.67

Plan B - Direct `

Growth 15.72

IDCW 15.72




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



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 exchangesIndian Railway Catering & Tourism Corporation Ltd.

Transportation 4.69%

Navin Fluorine International Ltd.

Chemicals 4.61%

Torrent Power Ltd. Power 4.60%


Sun TV Network Ltd. Entertainment 4.48%


3.78%

Aditya Birla Fashion and Retail Ltd.

Retailing 3.48%

Indian Energy Exchange Ltd. Capital Markets 3.46%

Persistent Systems Ltd. Software 3.39%

Mphasis Ltd. Software 3.28%

Radico Khaitan Ltd.Consumer Non Durables

3.27%

Indoco Remedies Ltd. Pharmaceuticals 3.17%

The Federal Bank Ltd. Banks 3.01%

Timken India Ltd. Industrial Products 2.82%


PNC Infratech Ltd. Construction 2.66%JB Chemicals & Pharmaceuticals Ltd.


Coforge Ltd. Software 2.56%

Symphony Ltd. Consumer Durables 2.53%

Sterlite Technologies Ltd. Telecom - Services 2.44%

NHPC Ltd. Power 2.42%


Zydus Wellness Ltd.Consumer Non Durables

2.26%

Coromandel International Ltd.

Fertilisers 2.22%



% to NetAssets

Trent Ltd. Retailing 1.96%

Can Fin Homes Ltd. Finance 1.74%


1.64%

DCB Bank Ltd. Banks 1.59%Motherson Sumi Systems Ltd.


Bharat Electronics Ltd.Aerospace & Defense

1.37%

Aarti Industries Ltd. Chemicals 1.34%

Bank of Baroda Banks 1.32%

Varun Beverages Ltd.Consumer Non Durables

1.26%

Jindal Steel & Power Ltd. Ferrous Metals 1.22%

Nazara Technologies Ltd. Entertainment 1.16%

Natco Pharma Ltd. Pharmaceuticals 1.04%Sona Blw Precision Forgings Ltd.


Total 97.42%


Total 2.86%



Total -0.28%

Grand Total 100.00%

Mr. Sanjay Chawla


AAUM ` 62.64 Crs

AUM ` 65.06 Crs

AAUM & AUM

BANK

Banks5.92%

Chemicals5.95%

Consumer Non

Durables8.43%


Power9.84%

30th June, 2021

Software9.23%

Industrial Products7.37%

Retailing5.44%


Entertainment5.64%

Transportation4.69%

10


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 2.52%


Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Total Expense Ratio

Fund Manager#

June 22, 2012

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





Entry Load: NA

Exit Load: 1.00% 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 ` 54.59 Crs

AUM ` 53.95 Crs


Sharpe@ 0.22

Beta 0.89


0.60



Portfolio Portfolio


Plan A `

Growth 27.64

IDCW 17.27

Plan B - Direct `

Growth 29.52

IDCW 18.84




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




% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesHDFC Bank Ltd. Banks 22.20%ICICI Bank Ltd. Banks 16.95%Axis Bank Ltd. Banks 12.20%State Bank of India Banks 8.15%Kotak Mahindra Bank Ltd. Banks 7.90%IndusInd Bank Ltd. Banks 3.77%SBI Cards & Payment Services Ltd.

Finance 3.15%

Indian Energy Exchange Ltd. Capital Markets 2.43%The Federal Bank Ltd. Banks 2.42%DCB Bank Ltd. Banks 2.40%Can Fin Homes Ltd. Finance 2.33%Housing Development Finance Corporation Ltd.

Finance 2.06%

Housing and Urban Development Corporation Ltd.

Finance 1.97%

Max Financial Services Ltd. Insurance 1.96%HDFC Life Insurance Company Ltd.

Insurance 1.91%

SBI Life Insurance Company Ltd.

Insurance 1.87%

Karur Vysya Bank Ltd. Banks 1.44%


% to NetAssets

Nippon Life India Asset Management Ltd.

Capital Markets 1.36%

Bank of Baroda Banks 1.11%Total 97.58%


Total 0.87%



Total 1.55%

Grand Total 100.00%

BANK

Banks78.54%

Finance9.51%

Baroda Banking and Financial Services Fund An open ended equity scheme investing in the Banking and Financial Services sector. 30th June, 2021

Mr. Sanjay Chawla&


& Mr. Chawla is managing the Scheme effective From 1st January 2021 onwards


Insurance5.74%

Capital Markets3.79%

11


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.

Date of Inception

Benchmark

September 12, 2003

CRISIL Hybrid 35+65 – Aggressive Index


Sharpe@ 0.46

Beta 1.11


0.66



AAUM & AUM

AAUM ` 406.29 Crs

AUM ` 403.29 Crs

Minimum Investment


Load Structure

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

Plans & Option



SIP (Minimum)


Plan A 2.45%


Total Expense Ratio

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 25 - 28


• 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.



Plan A `

Growth 73.57

IDCW 17.73

Plan B - Direct `

Growth 80.39

IDCW 20.80


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


% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 9.39%HDFC Bank Ltd. Banks 6.67%ICICI Bank Ltd. Banks 5.93%Reliance Industries Ltd. Petroleum Products 4.42%

Dalmia Bharat Ltd. Cement & Cement Products 2.81%

Tech Mahindra Ltd. Software 2.71%Axis Bank Ltd. Banks 2.59%Dabur India Ltd. Consumer Non Durables 2.46%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 2.42%

Persistent Systems Ltd. Software 2.18%Indian Railway Catering & Tourism Corporation Ltd. Transportation 2.01%


Polycab India Ltd. Industrial Products 1.96%Housing Development Finance Corporation Ltd. Finance 1.94%

Indian Energy Exchange Ltd. Capital Markets 1.86%Hindalco Industries Ltd. Non - Ferrous Metals 1.75%Mahindra & Mahindra Ltd. Auto 1.73%Bharti Airtel Ltd. Telecom - Services 1.69%Steel Authority of India Ltd. Ferrous Metals 1.62%Tata Power Company Ltd. Power 1.51%Sudarshan Chemical Industries Ltd. Chemicals 1.35%Aditya Birla Fashion and Retail Ltd. Retailing 1.33%

Can Fin Homes Ltd. Finance 1.30%Ashok Leyland Ltd. Auto 1.21%Divi's Laboratories Ltd. Pharmaceuticals 1.20%Solar Industries India Ltd. Chemicals 1.18%Motherson Sumi Systems Ltd. Auto Ancillaries 1.05%Tata Consumer Products Ltd. Consumer Non Durables 1.02%Tata Steel Ltd. Ferrous Metals 1.01%Jindal Steel & Power Ltd. Ferrous Metals 0.98%Sterlite Technologies Ltd. Telecom - Services 0.98%Emami Ltd. Consumer Non Durables 0.97%Larsen & Toubro Ltd. Construction Project 0.93%Timken India Ltd. Industrial Products 0.91%


% to Net

AssetsNestle India Ltd. Consumer Non Durables 0.87%Indoco Remedies Ltd. Pharmaceuticals 0.87%Sun TV Network Ltd. Entertainment 0.79%Nazara Technologies Ltd. Entertainment 0.04%Total 77.65%BONDS & NCDs Listed/awaiting listing on the stock exchangesICICI Bank Ltd.( AT1 Bond under Basel III ) [ICRA]AA+ 6.85%Bank of Baroda( AT1 Bond under Basel III ) CRISIL AA+ 4.85%

HDFC Bank Ltd. CRISIL AAA 1.36%Indian Oil Corporation Ltd. CRISIL AAA 1.25%National Bank for Agriculture and Rural Development CRISIL AAA 1.10%Motilal Oswal Home Finance Ltd. [ICRA]A+ 0.77%Indian Railway Finance Corporation Ltd. CRISIL AAA 0.69%

Total 16.87%Central Government Securities8.24% CGL 2027 Sovereign 0.35%7.59% CGL 2026 Sovereign 0.26%7.88% CGL 2030 Sovereign 0.19%8.28% CGL 2027 Sovereign 0.03%Total 0.83%State Government Securities9.72% State Government of Punjab 2023 Sovereign 1.35%


Fund Managers#

Mr. Sanjay Chawla


BANK

Banks15.19%

Software14.28%

Consumer Non

Durables5.32%


30th June, 2021




Ferrous Metals3.61%

Average Maturity (Days) 2382

Modified Duration (Years) 4.19

Portfolio Yield (%) 7.08

Macaulay duration (Months) 55.01

Portfolio Characteristic

12


Portfolio

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

November 14, 2018

50% S&P BSE 200 TRI^ 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. IDCW Option 1. Payout of IDCW; 2. Re-investment of IDCW (default sub-op-tion 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

AAUM & AUM

AAUM ` 1,218.58 Crs

AUM ` 1,251.06 Crs

Regular 2.15%

Direct 0.86%

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 14.97

IDCW 13.83

Direct `

Growth 15.54

IDCW 14.39



% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesInfosys Ltd. Software 6.70%ICICI Bank Ltd. Banks 3.77%HDFC Bank Ltd. Banks 3.03%Housing Development Finance Corporation Ltd. Finance 2.90%Reliance Industries Ltd. Petroleum Products 2.79%Hindalco Industries Ltd. Non - Ferrous Metals 2.77%Axis Bank Ltd. Banks 2.52%Reliance Industries Ltd. Petroleum Products 2.26%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 2.04%Tata Power Company Ltd. Power 1.94%Steel Authority of India Ltd. Ferrous Metals 1.77%Tata Consultancy Services Ltd. Software 1.61%Bharti Airtel Ltd. Telecom - Services 1.54%Indian Railway Catering & Tourism Corporation Ltd. Transportation 1.47%Asian Paints Ltd. Consumer Non Durables 1.38%Dabur India Ltd. Consumer Non Durables 1.37%Indian Energy Exchange Ltd. Capital Markets 1.35%Larsen & Toubro Ltd. Construction Project 1.32%Jindal Steel & Power Ltd. Ferrous Metals 1.32%Tech Mahindra Ltd. Software 1.32%SBI Cards & Payment Services Ltd. Finance 1.17%Tata Steel Ltd. Ferrous Metals 1.15%Dalmia Bharat Ltd. Cement & Cement

Products 1.09%Sun TV Network Ltd. Entertainment 0.96%Polycab India Ltd. Industrial Products 0.95%Housing Development Finance Corporation Ltd. Finance 0.95%Mahindra & Mahindra Ltd. Auto 0.93%Sona Blw Precision Forgings Ltd. Auto Ancillaries 0.87%Nestle India Ltd. Consumer Non Durables 0.85%Persistent Systems Ltd. Software 0.82%Ultratech Cement Ltd. Cement & Cement

Products 0.81%Can Fin Homes Ltd. Finance 0.80%Hindustan Unilever Ltd. Consumer Non Durables 0.78%Maruti Suzuki India Ltd. Auto 0.78%Radico Khaitan Ltd. Consumer Non Durables 0.76%Tata Motors Ltd. Auto 0.73%Sudarshan Chemical Industries Ltd. Chemicals 0.71%JB Chemicals & Pharmaceuticals Ltd. Pharmaceuticals 0.68%Motherson Sumi Systems Ltd. Auto Ancillaries 0.68%Bharat Electronics Ltd. Aerospace & Defense 0.68%Zydus Wellness Ltd. Consumer Non Durables 0.64%Ashok Leyland Ltd. Auto 0.59%Emami Ltd. Consumer Non Durables 0.58%Nazara Technologies Ltd. Entertainment 0.57%Grasim Industries Ltd. Cement & Cement

Products 0.52%Lupin Ltd. Pharmaceuticals 0.41%JSW Steel Ltd. Ferrous Metals 0.27%Total 65.90%BONDS & NCDs Listed/awaiting listing on the stock exchangesNational Bank for Agriculture and Rural Development [ICRA]AAA 3.20%REC Ltd. CRISIL AAA 2.39%Indian Railway Finance Corporation Ltd. CRISIL AAA 1.85%Larsen & Toubro Ltd. CRISIL AAA 0.99%HDFC Bank Ltd. CRISIL AAA 0.88%Aditya Birla Housing Finance Ltd. [ICRA]AAA 0.75%Motilal Oswal Home Finance Ltd. [ICRA]A+ 0.46%Power Finance Corporation Ltd. CRISIL AAA 0.41%IndusInd Bank Ltd.( AT1 Bond under Basel III ) CRISIL AA 0.40%National Bank for Agriculture and Rural Development CRISIL AAA 0.33%Aditya Birla Finance Ltd. [ICRA]AAA 0.23%Housing and Urban Development Corporation Ltd. [ICRA]AAA 0.17%Indian Oil Corporation Ltd. CRISIL AAA 0.16%


% to Net

AssetsNational Highways Authority of India CRISIL AAA 0.15%Bank of Baroda( AT1 Bond under Basel III ) CRISIL AA+ 0.08%

Total 12.45%CENTRAL GOVERNMENT SECURITIES7.37% CGL 2023 Sovereign 2.94%6.84% CGL 2022 Sovereign 2.08%5.09% CGL 2022 Sovereign 2.02%5.85% CGL 2030 Sovereign 1.97%7.26% CGL 2029 Sovereign 1.26%8.13% CGL 2021 Sovereign 0.81%6.68% CGL 2031 Sovereign 0.61%7.17% CGL 2028 Sovereign 0.43%Total 12.12%Commercial PaperReliance Industries Ltd. CRISIL A1+ 3.19%Total 3.19%Certificate of DepositsNational Bank for Agriculture and Rural Development CRISIL A1+ 0.40%

Total 0.40%TREPS / Reverse Repo Investments 6.79%Total 6.79%Cash & Cash EquivalentsNet Receivable/Payable -0.85%Total -0.85%Grand Total 100.00%

Fund Managers#

Mr. Alok Sahoo


Mr. Sanjay Chawla


Mr. Dipak Acharya

(Experience 15 Years)#For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 28^ For Disclaimer please refer page no 28


3.57


30th June, 2021

DERIVATIVES / Stock FuturesName of the Instrument Long /

Short% to AUM

Housing Development Finance Corporation Ltd. 29-JUL-21 Short (2.91)Reliance Industries Ltd. 29-JUL-21 Short (2.80)Infosys Ltd. 29-JUL-21 Short (2.27)Tata Power Company Ltd. 29-JUL-21 Short (1.95)Hindalco Industries Ltd. 29-JUL-21 Short (1.79)Steel Authority of India Ltd. 29-JUL-21 Short (1.77)Tata Consultancy Services Ltd. 29-JUL-21 Short (1.61)Bharti Airtel Ltd. 29-JUL-21 Short (0.87)Sun Pharmaceutical Industries Ltd. 29-JUL-21 Short (0.80)Hindustan Unilever Ltd. 29-JUL-21 Short (0.79)Maruti Suzuki India Ltd. 29-JUL-21 Short (0.78)Tata Motors Ltd. 29-JUL-21 Short (0.73)Jindal Steel & Power Ltd. 29-JUL-21 Short (0.69)Tata Steel Ltd. 29-JUL-21 Short (0.64)Asian Paints Ltd. 29-JUL-21 Short (0.54)Grasim Industries Ltd. 29-JUL-21 Short (0.53)Lupin Ltd. 29-JUL-21 Short (0.41)Axis Bank Ltd. 29-JUL-21 Short (0.36)JSW Steel Ltd. 29-JUL-21 Short (0.27)ICICI Bank Ltd. 29-JUL-21 Short (0.09)Derivatives Total (22.60)


BANK

Banks9.32%

Finance5.82%

Software10.45%

Consumer Non

Durables6.36%

This product is suitable for investors who are seeking*• 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.




Ferrous Metals4.51%






13


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 equity scheme investing in equity, arbitrage and debt instruments.

Date of InceptionJuly 25, 2019

Benchmark40% NSE 50 Arbitrage Index TRI, 35% NIFTY Short Duration Debt Index and 25% NSE100 Index TRI^Total Return variant of the Benchmark Index(TRI)

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

Minimum Investment

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 al-lotment : 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.

Load Structure

Plans & OptionRegulaR and diRect

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

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

AAUM & AUM

AAUM ` 436.27 Crs

AUM ` 439.02 Crs

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

Regular 2.32%

Direct 1.27%

Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Mr. Pratish Krishnan


Mr. Dipak Acharya



• Long term capital appreciation and income generation.

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


Regular `

Growth 11.86

IDCW 11.86

Direct `

Growth 12.11

IDCW 12.11


Portfolio Portfolio

All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. ^ The Name of the Industry is in accordance with Industry Classification as recommended by AMFI.


% to Net

AssetsEQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesICICI Bank Ltd. Banks 4.98%Tata Steel Ltd. Ferrous Metals 4.43%Reliance Industries Ltd. Petroleum Products 4.16%Housing Development Finance Corporation Ltd. Finance 3.96%Infosys Ltd. Software 3.55%Tata Consultancy Services Ltd. Software 3.36%Tata Power Company Ltd. Power 3.20%Bharti Airtel Ltd. Telecom - Services 3.06%Axis Bank Ltd. Banks 2.94%Hindustan Unilever Ltd. Consumer Non Durables 2.85%Steel Authority of India Ltd. Ferrous Metals 2.43%Tata Motors Ltd. Auto 2.30%Tech Mahindra Ltd. Software 1.94%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 1.89%Maruti Suzuki India Ltd. Auto 1.71%JSW Steel Ltd. Ferrous Metals 1.68%Grasim Industries Ltd. Cement & Cement

Products 1.49%Divi's Laboratories Ltd. Pharmaceuticals 1.45%The Federal Bank Ltd. Banks 1.43%Aurobindo Pharma Ltd. Pharmaceuticals 1.14%Tata Consumer Products Ltd. Consumer Non Durables 1.00%HDFC Bank Ltd. Banks 0.87%Torrent Pharmaceuticals Ltd. Pharmaceuticals 0.86%Ashok Leyland Ltd. Auto 0.83%Dr. Reddy's Laboratories Ltd. Pharmaceuticals 0.80%Vedanta Ltd. Non - Ferrous Metals 0.78%Lupin Ltd. Pharmaceuticals 0.49%Canara Bank Banks 0.43%Sona Blw Precision Forgings Ltd. Auto Ancillaries 0.41%Persistent Systems Ltd. Software 0.37%State Bank of India Banks 0.34%Larsen & Toubro Ltd. Construction Project 0.33%Hindalco Industries Ltd. Non - Ferrous Metals 0.31%Polycab India Ltd. Industrial Products 0.25%Ultratech Cement Ltd. Cement & Cement

Products 0.22%HCL Technologies Ltd. Software 0.22%Kotak Mahindra Bank Ltd. Banks 0.20%Titan Company Ltd. Consumer Durables 0.19%Computer Age Management Services Ltd. Capital Markets 0.18%Aditya Birla Fashion and Retail Ltd. Retailing 0.18%Mahindra & Mahindra Ltd. Auto 0.18%Asian Paints Ltd. Consumer Non Durables 0.17%Muthoot Finance Ltd. Finance 0.17%SBI Life Insurance Company Ltd. Insurance 0.16%Can Fin Homes Ltd. Finance 0.14%Indian Railway Catering & Tourism Corporation Ltd. Transportation 0.14%Gulf Oil Lubricants India Ltd. Petroleum Products 0.13%Britannia Industries Ltd. Consumer Non Durables 0.12%Nazara Technologies Ltd. Entertainment 0.12%Inox Leisure Ltd. Entertainment 0.11%Dalmia Bharat Ltd. Cement & Cement

Products 0.11%ICICI Lombard General Insurance Company Ltd. Insurance 0.11%Gujarat Gas Ltd. Gas 0.09%Mphasis Ltd. Software 0.09%Sun TV Network Ltd. Entertainment 0.09%IPCA Laboratories Ltd. Pharmaceuticals 0.08%Hindustan Petroleum Corporation Ltd. Petroleum Products 0.07%Total 65.29%


% to Net

AssetsBONDS & NCDs Listed/awaiting listing on the stock exchangesBank of Baroda( AT1 Bond under Basel III ) CARE AA 2.31%Indian Oil Corporation Ltd. CRISIL AAA 1.61%HDFC Bank Ltd. CRISIL AAA 1.25%NHPC Ltd. IND AAA 0.75%Hindustan Petroleum Corporation Ltd. CRISIL AAA 0.70%ICICI Bank Ltd.( AT1 Bond under Basel III ) [ICRA]AA+ 0.70%Motilal Oswal Home Finance Ltd. [ICRA]A+ 0.47%National Bank for Agriculture and Rural Development CRISIL AAA 0.47%Vedanta Ltd. CRISIL AA- 0.23%Total 8.49%Central Government Securities6.84% CGL 2022 Sovereign 5.92%8.20% CGL 2022 Sovereign 4.68%7.37% CGL 2023 Sovereign 3.58%5.09% CGL 2022 Sovereign 3.45%Total 17.63%TREPS / Reverse Repo Investments 6.03%Total 6.03%Cash & Cash EquivalentsNet Receivable/Payable 2.56%Total 2.56%Grand Total 100.00%DERIVATIVES / Stock FuturesName of the Instrument Industry ^ % to

AUMICICI Bank Ltd. 29-JUL-21 Banks (4.25)Tata Steel Ltd. 29-JUL-21 Ferrous Metals (4.22)Housing Development Finance Corporation Ltd. 29-JUL-21 Finance (3.76)Reliance Industries Ltd. 29-JUL-21 Petroleum Products (3.48)Tata Consultancy Services Ltd. 29-JUL-21 Software (3.21)Tata Power Company Ltd. 29-JUL-21 Power (3.21)Bharti Airtel Ltd. 29-JUL-21 Telecom - Services (2.88)Axis Bank Ltd. 29-JUL-21 Banks (2.72)Infosys Ltd. 29-JUL-21 Software (2.60)Hindustan Unilever Ltd. 29-JUL-21 Consumer Non Durables (2.60)Steel Authority of India Ltd. 29-JUL-21 Ferrous Metals (2.44)Tata Motors Ltd. 29-JUL-21 Auto (2.31)Sun Pharmaceutical Industries Ltd. 29-JUL-21 Pharmaceuticals (1.80)Tech Mahindra Ltd. 29-JUL-21 Software (1.74)Maruti Suzuki India Ltd. 29-JUL-21 Auto (1.72)JSW Steel Ltd. 29-JUL-21 Ferrous Metals (1.68)Grasim Industries Ltd. 29-JUL-21 Cement & Cement

Products (1.50)Divi's Laboratories Ltd. 29-JUL-21 Pharmaceuticals (1.45)The Federal Bank Ltd. 29-JUL-21 Banks (1.42)Aurobindo Pharma Ltd. 29-JUL-21 Pharmaceuticals (1.15)Tata Consumer Products Ltd. 29-JUL-21 Consumer Non Durables (1.00)Torrent Pharmaceuticals Ltd. 29-JUL-21 Pharmaceuticals (0.86)Vedanta Ltd. 29-JUL-21 Non - Ferrous Metals (0.78)Ashok Leyland Ltd. 29-JUL-21 Auto (0.72)Dr. Reddy's Laboratories Ltd. 29-JUL-21 Pharmaceuticals (0.65)Lupin Ltd. 29-JUL-21 Pharmaceuticals (0.49)Canara Bank 29-JUL-21 Banks (0.43)Derivatives Total (55.07)

#For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 28^ For Disclaimer please refer page no 28


7.03


30th June, 2021



BANK

Banks11.19%

Finance4.27%

Consumer Non

Durables4.14%


Software9.53%

Auto5.02%

Ferrous Metals8.54%







14


Baroda Conservative Hybrid Fund**

An open ended hybrid scheme investing pre-dominantly in debt instruments. **(Earlier known as Baroda Monthly Income Plan (MIP) Fund)

Portfolio

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



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


Entry Load: NA

Exit Load: NIL






AAUM & AUM

AAUM ` 37.07 Crs

AUM ` 36.65 Crs

Plan A 2.06%


Total Expense Ratio


% to NetAssets

EQUITY & EQUITY RELATEDListed / awaiting listing on the stock exchangesReliance Industries Ltd. Petroleum Products 1.62%Infosys Ltd. Software 1.08%Axis Bank Ltd. Banks 1.02%Nippon Life India Asset Management Ltd. Capital Markets 0.97%Dabur India Ltd. Consumer Non Durables 0.62%Tech Mahindra Ltd. Software 0.60%Indian Railway Catering & Tourism Corporation Ltd. Transportation 0.55%Sun Pharmaceutical Industries Ltd. Pharmaceuticals 0.55%Steel Authority of India Ltd. Ferrous Metals 0.53%SBI Cards & Payment Services Ltd. Finance 0.53%Indian Energy Exchange Ltd. Capital Markets 0.51%Ashok Leyland Ltd. Auto 0.50%Kotak Mahindra Bank Ltd. Banks 0.47%Rallis India Ltd. Pesticides 0.44%Can Fin Homes Ltd. Finance 0.43%Larsen & Toubro Ltd. Construction Project 0.41%HDFC Bank Ltd. Banks 0.41%Polycab India Ltd. Industrial Products 0.40%Persistent Systems Ltd. Software 0.40%Symphony Ltd. Consumer Durables 0.39%Dalmia Bharat Ltd. Cement & Cement

Products 0.39%Aditya Birla Fashion and Retail Ltd. Retailing 0.38%Sudarshan Chemical Industries Ltd. Chemicals 0.37%Sterlite Technologies Ltd. Telecom - Services 0.36%Nestle India Ltd. Consumer Non Durables 0.36%The Federal Bank Ltd. Banks 0.36%Indoco Remedies Ltd. Pharmaceuticals 0.34%Motherson Sumi Systems Ltd. Auto Ancillaries 0.33%Tata Steel Ltd. Ferrous Metals 0.32%Lupin Ltd. Pharmaceuticals 0.31%Varun Beverages Ltd. Consumer Non Durables 0.30%Mphasis Ltd. Software 0.29%Max Financial Services Ltd. Insurance 0.29%Tata Consumer Products Ltd. Consumer Non Durables 0.29%Zydus Wellness Ltd. Consumer Non Durables 0.29%NHPC Ltd. Power 0.29%SBI Life Insurance Company Ltd. Insurance 0.27%ICICI Bank Ltd. Banks 0.26%Divi's Laboratories Ltd. Pharmaceuticals 0.24%Mahindra & Mahindra Ltd. Auto 0.21%Nazara Technologies Ltd. Entertainment 0.20%HDFC Life Insurance Company Ltd. Insurance 0.19%IndusInd Bank Ltd. Banks 0.14%Total 19.21%CENTRAL GOVERNMENT SECURITIES6.45% CGL 2029 Sovereign 35.00%5.09% CGL 2022 Sovereign 16.51%7.17% CGL 2028 Sovereign 3.71%7.59% CGL 2026 Sovereign 2.91%8.24% CGL 2027 Sovereign 1.50%7.59% CGL 2029 Sovereign 1.46%Total 61.09%TREPS / Reverse Repo Investments 17.08%Total 17.08%Cash & Cash EquivalentsNet Receivable/Payable 2.62%Total 2.62%Grand Total 100.00%


Instruments

Central GovernmentSecurities

EQUITY & EQUITYRELATED

TREPS / Reverse RepoInvestments

Cash & CashEquivalents

61.09%

19.21%

17.08%

2.62%

30th June, 2021

Mr. Alok Sahoo&



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.

Plan A `

Growth 29.5748

Monthly - IDCW 14.8269

Quarterly - IDCW 14.3023

Plan B - Direct `

Growth 31.7804




& Mr. Alok Sahoo is managing the Scheme effec-tive From 1st January 2021 onwards




BANK

Banks2.66%

Finance0.96%


Ferrous Metals0.85%

Consumer Non

Durables1.86%

Software2.37%

Insurance0.75%

Capital Markets1.48%

15


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


36.91%

1.50%

1.96%

2.51%

4.84%

7.52%

7.93%

8.50%

8.90%

9.30%

10.13%


CRISIL A1+

CARE D

CARE AAA

CRISIL AA

CRISIL AA-

CARE AA

[ICRA]A+

IND AA

CRISIL AAA

Sovereign

Ratings

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

Fund Managers#

January 23, 2015

CRISIL Short Term Credit Risk Index






Minimum Investment

Load Structure


A. Growth Option (default option in case no option specified by investor); B. Monthly IDCW 1. Monthly Payout of IDCW 2. Monthly Re-investment of IDCW (default sub-option in case no option specified by investor) C. Quarterly IDCW 1. Quarterly Payout of IDCW 2. Quarterly Reinvestment of IDCW (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 al-lotment : 1% of the applicable Net Asset Value (NAV)

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

Exit load not applicable for segregated

portfolio

Plans & Option


AAUM ` 203.23 Crs

AUM ` 199.11 Crs

AAUM ` 0.000 Crs

AUM ` 0.000 Crs

AAUM & AUM

SEGREGATED AAUM & AUM

Plan A 1.85%


Plan A NA

Plan B (Direct) NA

Total Expense Ratio

Segregated Total Expense Ratio

Plan A NAV (Rs) Segregated NAV (Rs)Growth 15.7168 0.00Monthly - IDCW 10.6543 0.00Quarterly - IDCW 10.9461 0.00Plan B - Direct Growth 16.7641 0.00Monthly - IDCW 11.5241 0.00Quarterly - IDCW 11.5255 0.00


NAV Per unit (Plan A - 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.


% to NetAssets

BONDS & NCDs Listed/awaiting listing on the stock exchangesTata Power Company Ltd. IND AA 8.90%Vedanta Ltd. CRISIL AA- 7.52%Motilal Oswal Home Finance Ltd. [ICRA]A+ 6.23%Indian Railway Finance Corporation Ltd. CRISIL AAA 6.09%

Tata Steel Ltd. CARE AA 5.41%IndusInd Bank Ltd.( AT1 Bond under Basel III ) CRISIL AA 4.84%

National Bank for Agriculture and Rural Development CRISIL AAA 3.21%

Piramal Capital & Housing Finance Ltd. CARE AA 2.52%

Small Industries Development Bank of India CARE AAA 2.51%

Edelweiss Housing Finance Ltd. [ICRA]A+ 2.27%Dewan Housing Finance Corporation Ltd. CARE D 1.96%

Total 51.46%Central Government Securities5.15% CGL 2025 Sovereign 9.83%6.68% CGL 2031 Sovereign 0.30%Total 10.13%Certificate of DepositsNational Bank for Agriculture and Rural Development CRISIL A1+ 1.50%


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


Instruments

BONDS & NCDs




Certificate of Deposits

51.46%

34.00%

10.13%

2.91% 1.50%

Segregated portfolio1

Note on Segregated Portfolio: Due to credit event (Default of debt servicing by Yes Bank on March 6, 2020), securities of Yes Bank have been segregated from the scheme’s portfolio w.e.f March 6, 2020. Yes Bank had, on March 14, 2020, informed the Stock Exchanges that the AT1 bonds were fully written down and had extinguished with immediate effect pursuant to Master Circular- Basel III Capital Regulations dated July 01, 2015 read with Section 45 of the Banking Regulation Act, 1949. On March 16, 2020, Axis Trustee Services Ltd., debenture trustee for the AT1 bonds, had filed a writ petition in the Hon’ble High Court, Mumbai, inter alia seeking relief from the Court to set aside the decision to write off the AT1 bonds, and that the matter was sub-judice before the Hon’ble Court. Kindly refer to SID/KIM for complete details on segregation of portfolio. #Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx

30th June, 2021


16


Portfolio



• Credit risk free regular Income over long term.

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


Investment ObjectiveThe main objective is to generate income by investing in a portfolio of Government securities.

Date of Inception

March 21, 2002

Benchmark

I SEC-MI BEX






AAUM & AUM

AAUM ` 28.50 Crs

AUM ` 28.53 Crs

Minimum Investment


Load Structure

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.

The above Exit Load will be applicable to all sub-scription transactions, excluding switch-ins.

Plans & Option


The Scheme has the following Options:

• Growth(Default)

• IDCW

Under the IDCW Option:

• Pay-out of IDCW

• Reinvestment of IDCW (Default)

Re-investment of IDCW sub-option shall not be available to investors who transact through the stock exchange in dematerialized mode.

If the dividend under the Pay-out Option of the Scheme is less than or equal to Rs. 200/- , it will, by default, be reinvested under the Reinvest-ment sub-option.

C. Bonus Option$

SIP (Minimum)


Plan A 1.86%


Total Expense Ratio

Fund Manager#

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

Plan A `

Growth 33.4405

IDCW 22.4846

Plan B- Direct `

Growth 35.9737

IDCW 29.9103



% to NetAssets

CENTRAL GOVERNMENT SECURITIES

7.26% CGL 2029 Sovereign 18.44%

8.24% CGL 2027 Sovereign 12.32%

6.68% CGL 2031 Sovereign 12.06%

7.59% CGL 2029 Sovereign 10.49%

8.28% CGL 2027 Sovereign 9.30%





Total 71.85%

STATE GOVERNMENT SECURITIES

8.11% State Government of Chhattisgarh 2028

Sovereign 12.34%

9.39% State Government of Karnataka 2023

Sovereign 9.58%

Total 21.92%


Total 3.76%



Total 2.47%

Grand Total 100.00%

Ratings

6.23%

93.77%


Sovereign

Instruments


State GovernmentSecurities


Cash & CashEquivalents71.85%

21.92%

3.76% 2.47%

30th June, 2021

Mr. Alok Sahoo&



& Mr. Alok Sahoo is managing the Scheme effec-tive From 1st January 2021 onwards

17


Portfolio



• 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.

Date of Inception

Benchmark

SIP (Minimum)

Plans & Option

Minimum Investment

Load Structure

Fund Managers#

June 30, 2012

CRISIL Composite Bond Fund Index



A. Growth Option (default option in case no option specified by investor); B. IDCW 1. Payout of IDCW 2. Re-investment of IDCW (default sub-op-tion 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


AAUM & AUM

AAUM ` 21.48 Crs

AUM ` 21.16 Crs






Plan A 1.51%


Total Expense Ratio

Plan A `

Growth 18.4698

IDCW 13.3629

Plan B - Direct `

Growth 19.5291

IDCW 14.3242


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

CENTRAL GOVERNMENT SECURITIES

6.79% CGL 2027 Sovereign 19.59%

6.68% CGL 2031 Sovereign 16.82%

8.28% CGL 2027 Sovereign 13.12%

7.59% CGL 2026 Sovereign 12.66%


Total 70.82%

STATE GOVERNMENT SECURITIES

9.35% State Government of Maharashtra 2024

Sovereign 3.94%

8.58% State Government of Gujarat 2023

Sovereign 3.56%

9.39% State Government of Karnataka 2023

Sovereign 2.25%

8.60% State Government of Kerala 2023

Sovereign 0.67%

Total 10.42%


Total 28.08%



Total -9.32%

Grand Total 100.00%

Ratings

18.76%

81.24%


Sovereign

Instruments

70.82%28.08%

10.42%

-9.32%



State GovernmentSecurities


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

30th June, 2021


18


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 39 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 25 - 28


• Regular Income over short term.

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


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

Plan A 1.06%


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 IDCW 1. Monthly Payout of IDCW 2. Monthly Re-investment of IDCW (default sub-option in case no option specified by investor) C. Quarterly IDCW 1. Quarterly Payout of IDCW 2. Quarterly Re-investment of IDCW (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


AAUM & AUM

AAUM ` 351.56 Crs

AUM ` 349.42 Crs




Macaulay duration (Years) 1.92


Plan A `

Growth 23.1193



Plan B - Direct `

Growth 24.4221






% to NetAssets

BONDS & NCDs Listed/awaiting listing on the stock exchangesREC Ltd. CRISIL AAA 8.62%Indian Railway Finance Corporation Ltd. CRISIL AAA 7.62%Larsen & Toubro Ltd. CRISIL AAA 6.49%Housing Development Finance Corporation Ltd. CRISIL AAA 5.91%

Power Finance Corporation Ltd. CRISIL AAA 5.88%Small Industries Development Bank of India CARE AAA 5.73%

Hindustan Petroleum Corporation Ltd. CRISIL AAA 5.01%NHPC Ltd. IND AAA 4.70%Tata Steel Ltd. CARE AA 4.64%National Bank for Agriculture and Rural Development CRISIL AAA 4.44%

Muthoot Finance Ltd. CRISIL AA+ 4.41%HDB Financial Services Ltd. CRISIL AAA 4.31%Indian Oil Corporation Ltd. CRISIL AAA 2.84%Vedanta Ltd. CRISIL AA- 2.58%Aditya Birla Finance Ltd. [ICRA]AAA 1.89%State Bank of India( Tier II Bond under Basel III ) CRISIL AAA 1.51%

Housing and Urban Development Corporation Ltd. [ICRA]AAA 1.41%

IndusInd Bank Ltd.( AT1 Bond under Basel III ) CRISIL AA 0.94%

Motilal Oswal Home Finance Ltd. [ICRA]A+ 0.74%Reliance Industries Ltd. CRISIL AAA 0.59%Total 80.26%Central Government Securities8.13% CGL 2021 Sovereign 8.69%6.18% CGL 2024 Sovereign 2.65%Total 11.34%TREPS / Reverse Repo Investments 5.29%Total 5.29%Cash & Cash EquivalentsNet Receivable/Payable 3.11%Total 3.11%Grand Total 100.00%

Ratings

8.40%

0.74%

0.94%

2.58%

3.30%

4.41%

4.64%

4.70%

5.73%

11.34%

53.22%


[ICRA]A+

CRISIL AA

CRISIL AA-

[ICRA]AAA

CRISIL AA+

CARE AA

IND AAA

CARE AAA

Sovereign

CRISIL AAA

Instruments

80.26%

11.34%

5.29% 3.11%

BONDS & NCDs




30th June, 2021


19


Investment Objective The scheme seeks to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities is-sued by entities such as Banks, Public Sector Undertakings (PSUs), Public Financial Institutions and Municipal Bonds. However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Baroda Banking & PSU Bond Fund (An open-ended debt scheme predominantly investing in debt instruments of banks,Public Sector Undertakings, Public Financial Institutions & Municipal Bonds)

Regular `

Growth 10.1436



Direct `

Growth 10.1669




Portfolio


Ratings

15.01%

2.06%

3.42%

15.26%

64.25%


Sovereign

CARE AAA

[ICRA]AAA

CRISIL AAA

Instruments

82.93%

12.08%

2.93% 2.06%

BONDS & NCDs




Date of InceptionDecember 17, 2020

BenchmarkCRISIL Banking and PSU Debt Index (w.e.f. June 30, 2021)

Minimum Investment

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

Load Structure

Entry Load: NA

Exit Load: Nil

No Exit Load will be charged for switches be-tween the options / Plans under the Scheme. Investors are requested to check the prevailing load structure of the Scheme, before investing.

Plans & OptionRegulaR and diRect• Growth (Default option in case no option is selected by the investor)• IDCWThe IDCW option offers the following sub-options

A. Monthly IDCW1. Monthly Payout of IDCW2. Monthly Re-investment of IDCW (default sub-op-tion in caseno option specified by investor)

B. Quarterly IDCW1. Quarterly Payout of IDCW2. Quarterly Reinvestment of IDCW (default sub-op-tion in caseno option specified by investor)

If the IDCW under the Payout facility is less than or equal to Rs. 200, it will, by default, be reinvested.

AAUM & AUM

AAUM ` 304.45 Crs

AUM ` 298.74 Crs



30th June, 2021

Regular 0.80%

Direct 0.39%

Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Mr. Karn Kumar


Mr.Ashwani Kumar Agarwalla



% to NetAssets

BONDS & NCDs Listed/awaiting listing on the stock exchangesAxis Bank Ltd. CRISIL AAA 9.18%National Bank for Agriculture and Rural Development CRISIL AAA 8.80%

State Bank of India( Tier II Bond under Basel III ) CRISIL AAA 8.78%

Power Grid Corporation of India Ltd. CRISIL AAA 8.69%Power Finance Corporation Ltd. CRISIL AAA 8.57%Export-Import Bank of India CRISIL AAA 8.32%Housing and Urban Development Corporation Ltd. [ICRA]AAA 8.24%

ICICI Bank Ltd. [ICRA]AAA 7.02%REC Ltd. CRISIL AAA 6.87%Indian Oil Corporation Ltd. CRISIL AAA 5.04%Small Industries Development Bank of India CARE AAA 3.42%

Total 82.93%Central Government Securities6.18% CGL 2024 Sovereign 2.06%Total 2.06%TREPS / Reverse Repo Investments 12.08%Total 12.08%Cash & Cash EquivalentsNet Receivable/Payable 2.93%Total 2.93%Grand Total 100.00%


• Generate returns over short to medium term.

• Invest primarily in debt instruments of Banks, PFIs, PSUs and Municipal Bonds.








20


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 page 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 Plan A (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 25 - 28


• 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.

Date of Inception

Benchmark

June 24, 2009

CRISIL Low Duration Debt Index


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

If the IDCW under the Pay-out Option of the Scheme is less than or equal to Rs. 200/-, it will, by default, be reinvested under the Reinvestment sub-option. IDCW Reinvestment sub-option shall not be available to investors who transact through the stock exchange in dematerialized mode.

Entry Load: NAExit 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.Not applicable for segregated portfolio






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

Load Structure

Plans & Option

AAUM & AUMAAUM ` 32.56 Crs

AUM ` 32.08 Crs


Plan A 0.90%


Total Expense Ratio

Regular NAV (Rs) Segregated NAV (Rs)Growth 1528.9759 0.00Daily - IDCW 725.5708 0.00Weekly - IDCW 720.1192 0.00Monthly - IDCW 721.5386 0.00Plan A Growth 1567.9207 0.00Daily - IDCW 743.0029 0.00Weekly - IDCW 720.9231 0.00Monthly - IDCW 721.6485 0.00Quarterly - IDCW 744.7524 0.00Plan B - Direct Growth 1608.7300 0.00Daily - IDCW 731.3857 0.00Weekly - IDCW 724.9956 0.00Monthly - IDCW 725.7838 0.00Quarterly - IDCW 757.3286 0.00



% to NetAssets

BONDS & NCDs Listed/awaiting listing on the stock exchangesNHPC Ltd. IND AAA 6.82%National Bank for Agriculture and Rural Development

CRISIL AAA 2.25%

Total 9.07%Central Government Securities5.09% CGL 2022 Sovereign 59.68%Total 59.68%TREPS / Reverse Repo Investments 29.85%Total 29.85%Cash & Cash EquivalentsNet Receivable/Payable 1.40%Total 1.40%Grand Total 100.00%

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

Fund Managers#

Mr. Alok Sahoo


Ratings

31.25%

2.25%

6.82%

59.68%


CRISIL AAA

IND AAA

Sovereign

59.68%29.85%

9.07%1.40%



BONDS & NCDs


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.

Segregated portfolio1

AAUM ` 0.000 Crs

AUM ` 0.000 Crs

SEGREGATED AAUM & AUM

Plan A NA

Plan B (Direct) NA

Segregated Total Expense Ratio

NAV Per unit (Plan A - 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

30th June, 2021


Note on Segregated Portfolio: Due to credit event (Default of debt servicing by Yes Bank on March 6, 2020), securities of Yes Bank have been segregated from the scheme’s portfolio w.e.f March 6, 2020. Yes Bank had, on March 14, 2020, informed the Stock Exchanges that the AT1 bonds were fully written down and had extinguished with immediate effect pursuant to Master Circular- Basel III Capital Regulations dated July 01, 2015 read with Section 45 of the Banking Regulation Act, 1949. On March 16, 2020, Axis Trustee Services Ltd., debenture trustee for the AT1 bonds, had filed a writ petition in the Hon’ble High Court, Mumbai, inter alia seeking relief from the Court to set aside the decision to write off the AT1 bonds, and that the matter was sub-judice before the Hon’ble Court. Kindly refer to SID/KIM for complete details on segregation of portfolio. @Please refer to our website link for deviation in valuation of the security:https://www.barodamf.com/Downloads/pages/valuation-policy.aspx

21


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 page 37 of SID)

Portfolio

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 IDCW 1. Re-investment of IDCW C. Weekly IDCW ( Default option) 1. Re-investment of IDCW


Entry Load: NA Exit Load: NIL

Mr. Alok Sahoo







AAUM & AUM

AAUM ` 150.08 Crs

AUM ` 136.51 Crs

Regular 0.42%

Direct 0.18%

Total Expense Ratio

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 exchangesSmall Industries Development Bank of India CARE AAA 7.06%

Housing Development Finance Corporation Ltd. CRISIL AAA 7.02%

Power Finance Corporation Ltd. CRISIL AAA 7.00%HDB Financial Services Ltd. CRISIL AAA 6.90%Indian Oil Corporation Ltd. CRISIL AAA 4.16%Larsen & Toubro Ltd. CRISIL AAA 3.55%Hindustan Petroleum Corporation Ltd. CRISIL AAA 3.54%National Bank for Agriculture and Rural Development CRISIL AAA 3.53%

Total 42.76%MONEY MARKET INSTRUMENTSCommercial Paper**Reliance Industries Ltd. CRISIL A1+ 6.85%Motilal Oswal Financial Services Ltd. CRISIL A1+ 3.41%IIFL Wealth Prime Ltd. CRISIL A1+ 3.40%Piramal Capital & Housing Finance Ltd. CRISIL A1+ 2.70%Total 16.36%Certificate of Deposits**National Bank for Agriculture and Rural Development CRISIL A1+ 1.37%

Total 1.37%Treasury Bills91 DAY T-BILL 29.07.21 Sovereign 24.01%Total 24.01%TREPS / Reverse Repo Investments 13.25%Total 13.25%Cash & Cash EquivalentsNet Receivable/Payable 2.25%

Total 2.25%

Grand Total 100.00%

Ratings

15.50%

7.06%

17.73%

24.01%

35.70%


CARE AAA

CRISIL A1+

Sovereign

CRISIL AAA

Instruments

42.76%

24.01%

13.25%2.25%1.37%

BONDS & NCDs

Treasury Bills

Commercial Paper




16.36%

30th June, 2021



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

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


Regular `

Growth 1206.5361

Daily - IDCW 1006.2583

Weekly - IDCW NA

Direct `

Growth 1213.5543


Weekly - IDCW NA

NAV as on 30th June 2021Riskometer based on Scheme’s portfolio as on 30th June, 2021

22


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 Plan A (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 25 - 28


• Regular income over short term with high level of liquidity

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


Investment ObjectiveThe primary objective is to 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 IDCW Transfer Plan if the transfer is from Baroda Liquid Fund on or after the effective date.

Regular `

Growth 3487.0583

IDCW 2987.6046


Plan A `

Growth 2369.7366


Weekly - IDCW 1000.1956

Plan B - Direct `

Growth 2389.1269



NAV as on 30 June 2021

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 exchanges MONEY MARKET INSTRUMENTSCommercial Paper**National Bank for Agriculture and Rural Development CRISIL A1+ 8.61%

Reliance Industries Ltd. CRISIL A1+ 8.60%Reliance Jio Infocomm Ltd. CRISIL A1+ 6.46%Larsen & Toubro Ltd. CRISIL A1+ 5.39%ICICI Home Finance Company Ltd. [ICRA]A1+ 4.31%

LIC Housing Finance Ltd. CRISIL A1+ 4.31%Hindustan Petroleum Corporation Ltd. CRISIL A1+ 4.31%

NTPC Ltd. CRISIL A1+ 3.23%Export-Import Bank of India CRISIL A1+ 2.15%HDFC Securities Ltd. CRISIL A1+ 2.15%Muthoot Finance Ltd. CRISIL A1+ 2.15%Housing Development Finance Corporation Ltd. CRISIL A1+ 2.15%

IIFL Wealth Prime Ltd. CRISIL A1+ 2.03%Motilal Oswal Financial Services Ltd. CRISIL A1+ 2.03%

Birla Group Holding Pvt. Ltd. CRISIL A1+ 1.60%Piramal Capital & Housing Finance Ltd. CRISIL A1+ 0.98%

Total 60.46%Certificate of Deposit**Axis Bank Ltd. CRISIL A1+ 8.60%Total 8.60%Treasury Bills364 DAY T-BILL 05.08.21 Sovereign 4.74%91 DAY T-BILL 13.08.21 Sovereign 4.30%91 DAY T-BILL 26.08.21 Sovereign 4.30%91 DAY T-BILL 29.07.21 Sovereign 3.56%364 DAY T-BILL 19.08.21 Sovereign 2.37%91 DAY T-BILL 05.08.21 Sovereign 2.15%182 DAY T-BILL 05.08.21 Sovereign 2.15%Total 23.57%TREPS / Reverse Repo InvestmentsTREPS 4.31%

3.28% Reverse Repo 2.98%Total 7.29%Cash & Cash EquivalentsNet Receivable/Payable 0.08%Total 0.08%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%

Plans & Option


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

IDCW Reinvestment sub-option shall not be available to investors who transact through the stock exchange in dematerialized mode






AAUM & AUM

AAUM ` 4,821.75 Crs

AUM ` 4,328.93 Crs


Plan A 0.24%


Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Ratings

7.37%

4.31%

23.57%

64.75%


[ICRA]A1+

Sovereign

CRISIL A1+

Instruments

Commercial Paper

Treasury Bills




60.46%23.57%

8.60%

7.29% 0.08%

30th June, 2021


23


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.


• Regular income over short term.

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


Regular `

Growth 1091.9736




Direct `

Growth 1098.7658

Daily - IDCW NA

Weekly - IDCW NA

Monthly - IDCW NA


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 NetAssets


Total 94.92%



Total 5.08%

Grand Total 100.00%

Instruments



94.92%

5.08%

Regular and Direct

Each of the Plans will have the following Options: • Growth (Default option in case no option is selected by the investor) • IDCW Option

The IDCW option offers the following sub-options: • Daily IDCW Re-investment of IDCW• Weekly IDCW Weekly Re-investment of IDCW• Monthly IDCW Monthly Payout of IDCW Monthly Re-investment of IDCW (default)

Dividend declared by the Scheme in Daily IDCW and Weekly IDCW will be compulsorily re-invested.

Date of InceptionJune 19, 2019

BenchmarkCRISIL Money Market Index

Minimum Investment

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

Load Structure

Entry Load: NA

Exit Load: NIL

Plans & Option






AAUM & AUM

AAUM ` 10.31 Crs

AUM ` 10.54 Crs


Regular 0.51%

Direct 0.22%

Total Expense Ratio

Fund Managers#

Mr. Alok Sahoo


Mr. Karn Kumar



30th June, 2021


24


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

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

B. IDCW Option

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

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: 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

TREPS / Reverse Repo Investments

3.28% Reverse Repo 99.13%

TREPS 0.33%

Total 99.46%



Total 0.54%

Grand Total 100.00%


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

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


Regular `

Growth 1088.2308



Direct `

Growth 1089.5315



NAV as on 30 June 2021

SIP (Minimum)

Fund Managers#


Mr. Alok Sahoo


AAUM & AUM

AAUM ` 366.85 Crs

AUM ` 308.84 Crs

Regular 0.13%

Direct 0.09%

Total Expense Ratio







30th June, 2021


25


Investment Performance

Funds Managed by Mr. Sanjay Chawla

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

Since InceptionScheme Name & Benchmark

Baroda Multi Cap Fund (in %)^ 65.52 14.93 13.34 16.21NIFTY 500 Multicap 50:25:25 TRI (Scheme Benchmark) (in %)* 74.01 15.55 15.78 NANifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 16.16` 10,000, if invested in BMCF, would have become `16,552 `15,193 `18,709 `1,45,180` 10,000, if invested in NIFTY 500 Multicap 50:25:25 TRI, would have become `17,401 `15,439 `20,811 NA` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `1,44,057^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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, 2021 the benchmark of the Scheme is NIFTY 500 Multicap 50:25:25 TRI index). Mr. Sanjay Chawla is managing the Scheme 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 %)^ 59.66 11.37 11.39 12.40S&P BSE 200 TRI (Scheme Benchmark) (in %)* 58.77 15.40 15.63 13.43Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 13.17` 10,000, if invested in BELSS’96, would have become `15,966 `13,820 `17,151 `1,91,808` 10,000, if invested in S&P BSE 200 TRI, would have become `15,877 `15,382 `20,678 `2,41,200` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `2,27,771^Past performance may or may not be sustained in the future.Data is for Plan A - IDCW Option. Plan A and B (Direct) have different expense structures. The last working day of June 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 scheme’s inception. $Additional 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 effective November 01, 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 %)^ 46.32 10.43 10.60 11.86CRISIL Hybrid 35+65 - Aggressive index& (Scheme Benchmark) (in %) 37.86 14.26 13.62 13.64Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 16.16` 10,000, if invested in BHEF, would have become `14,632 `13,474 `16,555 `73,570` 10,000, if invested in CRISIL Hybrid 35+65 - Aggressive index (effective February 1, 2018), would have become `13,786 `14,927 `18,940 `97,525` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `1,44,057^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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 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 %)^ 74.02 16.33 16.01 3.63S&P BSE MidCap TRI (Scheme Benchmark)& (in %) 74.42 14.69 15.23 11.17Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 10.45` 10,000, if invested in BMCF, would have become `17,402 `15,757 `21,017 `14,670` 10,000, if invested in S&P BSE MidCap TRI, would have become `17,442 `15,097 `20,322 `31,204` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `29,098^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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 effective October 3, 2016. &(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 (in %)^ 48.32 13.37 12.73 6.43Nifty 100 TRI (Scheme Benchmark)& (in %) 54.02 14.56 15.08 11.98Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 11.68` 10,000, if invested in BLCF, would have become `14,832 `14,582 `18,214 `19,890` 10,000, if invested in Nifty 100 TRI, would have become `15,402 `15,045 `20,189 `34,836` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `33,825^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. &(Scheme Benchmark has been changed to Nifty 100 effective October 3, 2016). Mr. Sanjay Chawla is managing the Scheme 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 %)^ 52.20 9.38 11.94 11.92Nifty Bank Index TRI (Scheme Benchmark) (in %) 63.10 9.95 14.58 15.50Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 15.00 15.08 14.57` 10,000, if invested in BBFSF, would have become `15,220 `13,093 `17,583 `27,640` 10,000, if invested in Nifty Bank Index TRI, would have become `16,310 `13,300 `19,754 `36,721` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,220 `20,191 `34,138^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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). Mr. Sanjay Chawla is managing the Scheme effective January 01, 2021.

26



Date Of Inception: 25/07/20191 Year


Baroda Equity Savings Fund (in %)^ 11.57 9.2240% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI (Scheme Benchmark) (in %) 15.60 10.11CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.08 6.24` 10,000, if invested in BESF, would have become `11,157 `11,860` 10,000, if invested in 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI, would have become `11,560 `12,048` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,408 `11,243^Past performance may or may not be sustained in the future.Data is for Regular Plan - Growth Option. Regular Plan and Direct Plan have different expense structures. The last working day of June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Dipak Acharya and Mr. Alok Sahoo are managing the Scheme since inception. Mr. Pratish Krishnan is managing the Scheme along with Mr. Acharya and Mr. Sahoo with effect from September 05, 2019.



Baroda Short Term Bond Fund (in %)^ 5.18 7.38 7.55 7.91CRISIL Short Term Bond Fund Index (Scheme Benchmark) (in %) 5.67 8.71 7.92 8.23CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.08 9.61 7.25 6.88` 10,000, if invested in BSTBF, would have become `10,518 `12,385 `14,391 `23,119` 10,000, if invested in CRISIL Short Term Bond Fund Index, would have become `10,567 `12,852 `14,642 `23,878` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,408 `13,174 `14,192 `20,802^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.



Baroda Liquid Fund (in %)^ 3.21 5.39 6.01 7.20CRISIL Liquid Fund Index (Scheme Benchmark) (in %) 3.71 5.70 6.19 7.01CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 3.58 6.39 6.30 6.23` 10,000, if invested in BLF, would have become `10,321 `11,708 `13,388 `23,697` 10,000, if invested in CRISIL Liquid Fund Index, would have become `10,371 `11,813 `13,505 `23,185` 10,000, if invested in CRISIL 1 year T-Bill, would have become `10,358 `12,047 `13,576 `21,154^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of ̀ 1000 invested at scheme’s inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.



Baroda Treasury Advantage Fund (scheme has one segregated portfolio) (in %)^ 35.83 -8.69 -2.47 3.81CRISIL Low Duration Debt Index (Scheme Benchmark) (in %)* 5.11 7.45 7.44 7.54CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 3.58 6.39 6.30 6.31` 10,000, if invested in BTAF, would have become `13,583 `7,608 `8,826 `15,679` 10,000, if invested in CRISIL Low Duration Debt Index, would have become `10,511 `12,410 `14,317 `23,960` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,358 `12,047 `13,576 `20,872^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of ̀ 1000 invested at scheme’s inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.

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



Baroda Dynamic Bond Fund (in %)^ 5.94 4.21 5.28 7.05CRISIL Composite Bond Fund Index (Scheme Benchmark) (in %) 4.90 9.82 8.39 8.71CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.08 9.61 7.25 7.44` 10,000, if invested in BDBF, would have become `10,594 `11,321 `12,933 `18,470` 10,000, if invested in CRISIL Composite Bond Fund Index, would have become `10,490 `13,251 `14,963 `21,215` 10,000, if invested CRISIL 10 Year Gilt Index, would have become `10,408 `13,174 `14,192 `19,082^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.

Date Of Inception: 25/04/2019 1 Year Since InceptionScheme Name & BenchmarkBaroda Overnight Fund (in %)^ 3.07 3.94CRISIL Overnight Index (Scheme Benchmark) (in %) 3.18 4.00CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 3.58 5.80` 10,000, if invested in BONF, would have become `10,307 `10,880` 10,000, if invested in CRISIL Overnight Index would have become `10,318 `10,895` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,358 `11,309^Past performance may or may not be sustained in the future.Data is for Regular Plan - Growth Option. Regular Plan and Direct Plan have different expense structures. The last working day of June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at scheme’s inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.

Date Of Inception: 01/06/20181 Year 3 Year


Baroda Ultra Short Duration Fund (in %)^ 3.72 6.19 6.28CRISIL Ultra Short Fund Index (Scheme Benchmark) (in %) 4.55 6.75 6.81CRISIL 1 Year T-Bill Index (Additional Benchmark)$ 3.58 6.39 6.36` 10,000, if invested in BUSDF, would have become `10,372 `11,978 `12,065` 10,000, if invested in CRISIL Ultra Short Fund Index, would have become `10,455 `12,170 `12,253` 10,000, if invested in CRISIL 1 Year T-Bill Index, would have become `10,358 `12,047 `12,093^Past performance may or may not be sustained in the future.Data is for Regular Plan - Growth Option. Regular and Direct have different expense structures. The last working day of June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1,000 invested at scheme’s inception. $Additional 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. Alok Sahoo is managing the Scheme since its inception.

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

Funds Managed by Mr. Alok Sahoo

27





Baroda Conservative Hybrid Fund (in %)^ 9.58 10.34 8.41 6.66CRISIL Hybrid 85+15 - Conservative Index& (Scheme Benchmark) (in %) 11.88 11.08 9.75 8.91CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.08 9.61 7.25 6.24` 10,000, if invested in BCHF, would have become `10,958 `13,442 `14,975 `29,575` 10,000, if invested in CRISIL Hybrid 85+15 - Conservative Index, would have become `11,188 `13,714 `15,925 `42,033` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,408 `13,174 `14,192 `27,686^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Alok Sahoo is managing the Scheme effective January 1, 2021.



Baroda Gilt Fund (in %)^ 2.58 8.37 6.90 6.46I-Sec Mi-BEX (Scheme Benchmark) (in %) 4.34 10.06 8.51 7.94CRISIL 10 Year Gilt Index (Additional Benchmark)$ 4.08 9.61 7.25 6.77` 10,000, if invested in BGF, would have become `10,258 `12,731 `13,964 `33,441` 10,000, if invested in I-Sec Mi-BEX, would have become `10,434 `13,339 `15,045 `43,657` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,408 `13,174 `14,192 `35,353^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 June 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. Alok Sahoo is managing the Scheme effective January 1, 2021.



Baroda Credit Risk Fund (scheme has one segregated portfolio) (in %)^ 14.83 5.05 6.40 7.28CRISIL Short Term Credit Risk Index (Scheme Benchmark) (in %)* 8.82 9.55 8.88 9.01CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.08 9.61 7.25 7.37` 10,000, if invested in BCRF, would have become `11,483 `11,595 `13,639 `15,717` 10,000, if invested in CRISIL Short Term Credit Risk Index, would have become `10,882 `13,153 `15,306 `17,427` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,408 `13,174 `14,192 `15,805^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 June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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 %)^ 2.75 4.42CRISIL Money Market Index (Scheme Benchmark) (in %)* 4.22 5.54CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 3.58 5.60` 10,000, if invested in BMMF, would have become `10,275 `10,920` 10,000, if invested in CRISIL Money Market Index, would have become `10,422 `11,159` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,358 `11,172^Past performance may or may not be sustained in the future.Data is for Regular Plan - Growth Option. Regular and Direct have different expense structures. The last working day of June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1,000 invested at scheme’s inception. $Additional 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. Alok Sahoo and Mr. Karn Kumar are managing the scheme since its inception.

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

Date Of Inception: 14/11/20181 Year Since InceptionScheme Name & Benchmark

Baroda Dynamic Equity Fund (in %)^ 34.02 16.6050% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI (Scheme Benchmark) (in %) 30.03 14.48Nifty 50 TRI (Additional Benchmark) (in %)$ 54.58 17.67` 10,000, if invested in BDEF, would have become `13,402 `14,970` 10,000, if invested in 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI, would have become `13,003 `14,267` 10,000, if invested in Nifty 50 TRI, would have become `15,458 `15,335^Past performance may or may not be sustained in the future.Data is for Regular Plan - Growth Option. Regular Plan and Direct Plan have different expense structures. The last working day of June has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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 fund is managed by Mr. Sanjay Chawla (Equity), Mr. Dipak Acharya (Equity) and Mr. Alok Sahoo (Fixed Income). Mr. Dipak Acharya was appointed as fund manager along with Mr. Chawla and Mr. Sahoo effective December 14, 2018.

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

28



Date Of Inception: 04/09/2020 6 Months Since InceptionScheme Name & BenchmarkBaroda Large and Mid Cap Fund (in %)^ 36.51 48.34S&P BSE 250 Large Mid Cap 65:35 TRI# (Scheme Benchmark) (in %) 41.01 57.94Nifty 50 TRI (Additional Benchmark) (in %)$ 26.66 48.85` 10,000, if invested in BLMCF, would have become `11,669 `13,813` 10,000, if invested in S&P BSE 250 Large Mid Cap 65:35 TRI, would have become `11,858 `14,541 ` 10,000, if invested in Nifty 50 TRI, would have become `11,244 `13,852 ^Past performance may or may not be sustained in futureSimple annualized returns have been provided as per the extant guidelines since the scheme has completed 6 months but not completed 1 year. However, such returns may not be representative. Absolute returns of the Scheme for the 6 month period is 18.10%. Data is for Regular Plan - Growth Option. Regular Plan and Direct Plan have different expense structures. The last working day of June has been considered in all cases. $Additional 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 and Mr. Ashwani Kumar Agarwalla (Dedicated fund manager for overseas investments) are managing the Scheme since inception

Date Of Inception: 17/12/2020 6 Months Since InceptionScheme Name & BenchmarkBaroda Banking & PSU Bond Fund (in %)^ 2.46% 2.69%CRISIL Banking and PSU Debt Index (Scheme Benchmark) (in %) 2.89% 2.97%CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 3.09% 4.07%` 10,000, if invested in BBPSUBF, would have become `10,121 `10,143` 10,000, if invested in CRISIL Banking and PSU Debt Index, would have become `10,142 `10,157` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,152 `10,215^Past performance may or may not be sustained in futureSimple annualized returns have been provided as per the extant guidelines since the scheme has completed 6 months but not completed 1 year. However, such returns may not be representative. Absolute returns of the Scheme for the 6 month period is 1.22%. Data is for Regular Plan - Growth Option. Regular Plan and Direct Plan have different expense structures. The last working day of June has been considered in all cases. $Additional 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. Alok Sahoo, Mr. Karn Kumar, and Mr. Ashwani Kumar Agarwalla (Dedicated fund manager for overseas investments) are managing the Scheme since inception

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.

NIFTY 500 Multicap 50:25:25 TRI: 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.** S&P BSE 250 Large MidCap 65:35 TRI Index: Baroda Large & Mid 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 250 Large MidCap 65:35 TRI Index or particularly in the ability of the S&P BSE 250 Large MidCap 65:35 TRI Index and to track general stock market performance in India.

Funds Managed by Mr.Sanjay Chawla and Mr. Ashwani Agarwalla

Funds Managed by Mr. Alok Sahoo, Mr. Karn Kumar, and Mr. Ashwani Kumar Agarwalla

29


SIP Returns

Baroda Multi Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120000 360000 600000 840000 1200000 2140000Total Value as on June 30, 2021 (Rs) 156216 527583 910783 1379959 2474507 8068076Returns (%) 60.78 26.52 16.73 13.94 13.87 13.39Total Value of NIFTY 500 Multicap 50:25:25 TRI* (Rs) 160432 546524 955566 1495379 2851664 NANIFTY 500 Multicap 50:25:25 TRI* Returns (%) 68.38 29.14 18.70 16.19 16.51 NATotal Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423444 2540439 8326901Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 14.36 13.69*With effect from February 01, 2021 the benchmark has been changed to NIFTY 500 Multicap 50:25:25 TRI.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) 120000 360000 600000 840000 1200000 3040000Total Value as on June 30, 2021 (Rs) 151557 503123 851178 1274320 2289768 17867391Returns (%) 52.50 23.04 13.97 11.71 12.41 12.05Total Values of S&P BSE 200 TRI* (Rs) 151058 513570 932857 1457259 2668518 24411611S&P BSE 200 TRI* Returns (%) 51.62 24.54 17.71 15.47 15.27 13.97Total Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423444 2540439 22805382Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 14.36 13.55* 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) 120000 360000 600000 840000 1200000 2140000Total Value as on June 30, 2021 (Rs) 144502 475352 819428 1241237 2156146 5724341Returns (%) 40.21 18.95 12.43 10.97 11.28 10.12Total Values of CRISIL Hybrid 35+65 – Aggressive Index (Rs) 140406 480239 874070 1362513 2417833 7301239CRISIL Hybrid 35+65 – Aggressive Index (%) 33.21 19.68 15.05 13.59 13.43 12.45Total Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423194 2539734 8327317

Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 14.35 13.69The 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) 120000 360000 600000 840000 1200000 1290000Total Value as on June 30, 2021 (Rs) 162685 569668 977422 1422749 2197980 2343560Returns (%) 72.48 32.27 19.63 14.80 11.65 10.65Total Values of S&P BSE MidCap TRI^^ (Rs) 161344 547729 935272 1487650 2911546 3228079S&P BSE MidCap TRI ^^ Returns (%) 70.04 29.31 17.82 16.05 16.90 16.16Total Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423194 2539734 2817252Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 14.35 13.83^^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) 120000 360000 600000 840000 1200000 1330000Total Value as on June 30, 2021 (Rs) 145626 487279 857001 1287173 2238784 2502217Returns (%) 42.15 20.72 14.25 11.99 11.99 10.91Total Values of Nifty 100 TRI^^ (Rs) 148383 500214 912897 1420497 2579148 3003838Nifty 100 TRI ^^ Returns (%) 46.94 22.62 16.83 14.76 14.64 13.95Total Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423194 2539734 2951222Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 14.35 13.66^^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) 120000 360000 600000 840000 NA 1090000Total Value as on June 30, 2021 (Rs) 143560 449652 799050 1243195 NA 1902474Returns (%) 38.59 15.02 11.42 11.02 NA 11.88Total Value of Nifty Bank Index TRI (Rs) 150862 463016 844824 1347929 NA 2157163Nifty Bank Index TRI Returns (%) 51.28 17.08 13.67 13.29 NA 14.50Total Value of Nifty 50 TRI (Rs) 147862 500193 920103 1423194 NA 2161121Nifty 50 TRI Returns (%) 46.03 22.62 17.15 14.81 NA 14.54

Baroda Conservative Hybrid Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120000 360000 600000 840000 1200000 2020000Total Value as on June 30, 2021 (Rs) 124832 418200 749663 1134222 1872654 3932136Returns (%) 7.61 10.00 8.85 8.45 8.62 7.43Total Value of CRISIL Hybrid 85+15 - Conservative Index (Rs) 126484 426964 771619 1190868 2004526 4648908CRISIL Hybrid 85+15 - Conservative Index (%) 10.26 11.43 10.01 9.81 9.91 9.19Total Value of CRISIL 10 Year Gilt Index Returns (Rs) 122935 405039 719178 1094137 1767549 3777164CRISIL 10 Year Gilt Index Returns (%) 4.60 7.83 7.19 7.44 7.52 7.00

Baroda Dynamic Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120000 NA NA NA NA 320000Total Value as on June 30, 2021 (Rs) 134897 NA NA NA NA 419050Returns (%) 23.97 NA NA NA NA 20.84Total Value of 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (Rs) 136398 NA NA NA NA 406196CRISIL 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (%) 26.47 NA NA NA NA 18.31

Total Value of Nifty 50 TRI (Rs) 147862 NA NA NA NA 441471Nifty 50 TRI (%) 46.03 NA NA NA NA 25.14

Baroda Equity Savings Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since InceptionTotal Amount Invested (Rs) 120000 NA NA NA NA 240000Total Value as on June 30, 2021 (Rs) 125224 NA NA NA NA 264836Returns (%) 8.23 NA NA NA NA 9.85Total Value of 40% NSE 50 Arbitrage index, 35% NIFTY ShortDuration Debt index and 25% NSE100 index (TRI) (Rs) 125851 NA NA NA NA 264423CRISIL 40% NSE 50 Arbitrage index, 35% NIFTY ShortDuration Debt index and 25% NSE100 index (TRI) (TRI) (%) 9.23 NA NA NA NA 9.68

Total Value of CRISIL 10 Year Gilt Index (Rs) 122962 NA NA NA NA 254290CRISIL 10 Year Gilt Index (%) 4.64 NA NA NA NA 5.71Past 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 IDCW option would assume reinvestment of tax free IDCWs declared at the then prevailing NAV.CAGR returns are computed after accounting for the cash flow by using IRR method (investment internal rate of return). Where Benchmark returns are not available, they have not been shown.

30


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

Baroda Multi Cap Fund - Plan A - IDCW23-Mar-21 33.35 2.8024-Mar-20 20.71 2.8022-Mar-19 30.20 2.80Baroda Multi Cap Fund - Plan B - Direct - IDCW23-Mar-21 34.14 2.8024-Mar-20 20.99 2.8022-Mar-19 30.33 2.80Baroda ELSS 96 - Plan A - IDCW23-Mar-21 31.83 2.6022-Mar-19 26.45 1.5516-Mar-18 32.86 3.25Baroda ELSS 96 - Plan B - Direct - IDCW23-Mar-21 39.88 2.6022-Mar-19 32.18 1.5516-Mar-18 38.61 3.25Baroda Large Cap Fund - Plan A - IDCW23-Mar-21 13.55 1.1022-Mar-19 11.22 0.95Baroda Large Cap Fund - Plan B - Direct - IDCW23-Mar-21 14.56 1.1022-Mar-19 11.82 0.95Baroda Banking and Financial Services Fund - Plan A - IDCW23-Mar-21 17.03 1.5022-Mar-19 15.23 1.8516-Mar-18 17.11 1.75Baroda Banking and Financial Services Fund - Plan B - Direct - IDCW23-Mar-21 18.55 1.5022-Mar-19 16.23 1.8516-Mar-18 17.89 1.75Baroda Hybrid Equity Fund - Plan A - IDCW25-June-21 17.78 0.3023-Mar-21 16.78 0.3024-Dec-20 16.07 0.27Baroda Hybrid Equity Fund - Plan B - Direct - IDCW25-June-21 20.86 0.3023-Mar-21 19.61 0.3024-Dec-20 18.70 0.27Baroda Conservative Hybrid Fund - Plan A - Monthly IDCW25-Jun-21 14.8099 0.0727-May-21 14.7883 0.0727-Apr-21 14.6987 0.07Baroda Conservative Hybrid Fund - Plan B - Direct - Monthly IDCW25-Jun-21 15.8200 0.0727-May-21 15.7812 0.0727-Apr-21 15.6703 0.07Baroda Conservative Hybrid Fund - Plan A - Quarterly IDCW25-Jun-21 14.2860 0.2023-Mar-21 14.2946 0.2027-Jan-21 14.8591 0.07Baroda Conservative Hybrid Fund - Plan B - Direct - Quarterly IDCW25-Jun-21 14.4712 0.2023-Mar-21 14.4454 0.2027-Jan-21 15.7939 0.07Baroda Credit Risk Fund - Plan A - Quarterly IDCW25-Jun-21 10.9497 0.1023-Mar-21 10.4957 0.1024-Dec-19 10.1625 0.05Baroda Credit Risk Fund - Plan B - Direct - Quarterly IDCW25-Jun-21 11.5289 0.1023-Mar-21 11.0263 0.1024-Dec-20 10.8887 0.10Baroda Credit Risk Fund - Plan A - Monthly IDCW25-Jun-21 10.6578 0.0727-May-21 10.7130 0.0727-Apr-21 10.7350 0.07Baroda Credit Risk Fund - Plan B - Direct - Monthly IDCW27-Apr-20 10.1464 0.0727-Mar-20 10.3549 0.0727-Feb-20 10.7546 0.07

Record Date Ex-IDCW NAV (Rs) Per Unit$ (Rs)Baroda Dynamic Bond Fund - Plan A - IDCW23-Mar-21 13.1878 0.5024-Mar-20 12.6931 0.2016-Mar-18 13.3863 1.00Baroda Dynamic Bond Fund - Plan B - Direct - IDCW23-Mar-21 14.1235 0.5024-Mar-20 13.5158 0.2016-Mar-18 14.0540 1.00Baroda Gilt Fund - Plan A - IDCW23-Mar-21 22.1807 1.0024-Mar-20 21.8348 0.2016-Mar-18 20.1217 1.50Baroda Gilt Fund - Plan B - Direct - IDCW23-Mar-21 29.4458 1.0024-Mar-20 28.4562 0.20Baroda Liquid Fund - Plan A - IDCW04-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 IDCW25-Jun-21 10.1276 0.0527-May-21 10.1671 0.0627-Apr-21 10.1723 0.00Baroda Short Term Bond Fund - Plan B - Direct - Monthly IDCW25-Jun-21 10.1286 0.0627-May-21 10.1677 0.0727-Apr-21 10.1730 0.01Baroda Short Term Bond Fund - Plan A - Quarterly IDCW25-Jun-21 10.7237 0.1023-Mar-21 10.6779 0.1024-Dec-20 10.7251 0.15Baroda Short Term Bond Fund - Plan B - Direct - Quarterly IDCW25-Jun-21 11.0148 0.1023-Mar-21 10.9428 0.1024-Dec-20 10.9691 0.15Baroda Treasury Advantage Fund Reg - Monthly IDCW26-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 IDCW26-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 IDCW26-Apr-19 1001.05 3.7327-Mar-19 1001.01 9.0327-Feb-19 1000.42 1.74 Baroda Treasury Advantage Fund Reg - Quarterly IDCW27-Jun-14 1006.66 23.3821-Mar-14 1011.22 7.7924-Jun-16 1036.72 14.45Baroda Treasury Advantage Fund - Plan A - Quarterly IDCW22-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 IDCW22-Mar-19 1039.25 18.0026-Dec-18 1040.36 17.00 26-Sep-18 1025.18 17.00Baroda Money Market Fund - Reg - Monthly IDCW25-Jun-21 1000.32 2.0327-May-21 1000.19 2.2227-Apr-21 1000.21 2.61Baroda Dynamic Equity Fund - Regular - IDCW23-Mar-21 13.3100 1.10Baroda Dynamic Equity Fund - Direct - IDCW23-Mar-21 13.8100 1.10Baroda Banking and PSU Bond Fund - Regular - Quarterly IDCW25-Jun-21 10.0639 0.10Baroda Banking and PSU Bond Fund - Direct - Quarterly IDCW25-Jun-21 10.0639 0.10

$ 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).

IDCW History

31


KFIN Technologies Private Limited(Formerly known as Karvy Fintech Private Limited)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]

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

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.com

Registered Office

Baroda Asset Management India Ltd.

(Formerly known as Baroda Pioneer Asset Management Company Ltd.)

CIN : U65991MH1992PLC069414

501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063.

Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.

Branch Offices

Delhi



Flat No. 103 & 104, First Floor,Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001.

Phone: +91 011- 43514662, Fax: +91 11 4592117

Chennai



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 3539

Lucknow

Baroda Asset Management India Limited*


G - 101 Ground Floor, SKI High Building, 11/05, Park Road, Hazaratganj, Lucknow-226001

Phone: +91 0522- 43514564

* currently not an ISC

Bangalore

Baroda 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.

mr. sanjay chawla

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