HealthyDirect · GrowthFit for a long SIP
Baroda BNP Paribas Health and Wellness Fund
Baroda BNP Paribas Mutual FundEquity Scheme - Sectoral/ Thematic1.4 years
The scheme is to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of Pharma and Healthcare companies. The Scheme does not guarantee/indicate any returns.
- NAV
- 11.0287
- 5 Nov 2026
- 1Y
- +12.7%
- Trailing CAGR
- AUM
- ₹487.35 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 5 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
1.4 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.55% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -11.1%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Ankeet Pandya · 0.3 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 58.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 11%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+12.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+20.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +11.1%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -11.1%
- Worst peak-to-trough
- Current
- -1.0%
- Below last peak
- Current spell
- 43 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 16 recovered episodes
- Longest recovery
- 110 days
- Trough to prior peak
30 Jul 2025 – 19 May 2026
Trough 29 Jan 2026 · recovered in 110 days
-11.1%
23 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-8.9%
21 May 2026 – 22 Jun 2026
Trough 2 Jun 2026 · recovered in 20 days
-3.0%
31 Aug 2026 – 21 Sept 2026
Trough 16 Sept 2026 · recovered in 5 days
-2.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
51
Vs category
100
Consistency
100
Risk-adjusted
34
Drawdown
72
Mean
71
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 35 holdings · top 10 are 58.4%.
- Top 5
- 36.5%
- Top 10
- 58.4%
- Largest holding
- 8.6%
- Effective holdings
- 21.7
Sun Pharmaceutical Industries Ltd
Healthcare
8.6%
Torrent Pharmaceuticals Ltd
Healthcare
7.9%
Divi's Laboratories Ltd
Healthcare
7.8%
Ipca Laboratories Ltd
Healthcare
6.1%
Laurus Labs Ltd
Healthcare
6.1%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.6%
- 3Y
- +13.9%
- Vol
- 13.9%
- Max DD
- -17.8%
- Sharpe
- 0.44
- 3Y win
- +14%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Infrastructure Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.3%
- 3Y
- +18.1%
- Vol
- 18.5%
- Max DD
- -53.5%
- Sharpe
- 0.57
- 3Y win
- +66%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Transportation and Logistics Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +16.6%
- 3Y
- n/a
- Vol
- 18.2%
- Max DD
- -28.2%
- Sharpe
- 0.88
- 3Y win
- n/a
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Edelweiss Recently Listed IPO Fund
Edelweiss Mutual Fund
- 1Y
- +21.9%
- 3Y
- +18.3%
- Vol
- 18.8%
- Max DD
- -32.3%
- Sharpe
- 0.58
- 3Y win
- +49%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential Commodities Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.2%
- 3Y
- +15.9%
- Vol
- 23.0%
- Max DD
- -41.2%
- Sharpe
- 0.86
- 3Y win
- +90%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown