HealthyDirect · GrowthFit for a long SIP
Baroda BNP Paribas Nifty SDL December 2026 Index Fund
Baroda BNP Paribas Mutual FundOther Scheme - Index Funds3.8 years
- NAV
- 12.8756
- 20 Aug 2026
- 1Y
- +6.0%
- Trailing CAGR
- AUM
- ₹55.41 Cr
- 30 Jun 2026
- Volatility
- Low
- 0.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 20 Aug 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 · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Watch
3.8 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.21% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.4%. Ask whether you can hold through a similar fall.
Vs category
Fail
1% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
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
n/a
Holdings weights not on file for this scheme yet.
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 0%. 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+6.0%
- 3Y+7.4%
- 5Yn/a
- 10Yn/a
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.8%
- 3Y+7.0%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +7.9%
- Category median, same plan and option
- 3Y win rate
- +1%
- Windows beating the median
- 3Y percentile
- 42
- Vs comparable share classes
- SIP 3Y XIRR
- +7.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.2%
- 135 daily-ending windows
- Median rolling 3Y
- +7.4%
- 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
- -0.4%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +33%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 122 recovered episodes
- Longest recovery
- 19 days
- Trough to prior peak
7 Feb 2023 – 13 Mar 2023
Trough 1 Mar 2023 · recovered in 12 days
-0.4%
26 Sept 2023 – 25 Oct 2023
Trough 6 Oct 2023 · recovered in 19 days
-0.2%
11 Aug 2025 – 4 Sept 2025
Trough 20 Aug 2025 · recovered in 15 days
-0.2%
9 Aug 2023 – 21 Aug 2023
Trough 17 Aug 2023 · recovered in 4 days
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
42
Vs category
99
Consistency
23
Risk-adjusted
100
Drawdown
99
Mean
73
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
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
DSP Mutual Fund
- 1Y
- +5.2%
- 3Y
- +7.4%
- Vol
- 0.9%
- Max DD
- -0.3%
- Sharpe
- 1.62
- 3Y win
- +6%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- +6.5%
- 3Y
- n/a
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 2.43
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN NIFTY 100 INDEX FUND
Bandhan Mutual Fund
- 1Y
- -5.7%
- 3Y
- +9.7%
- Vol
- 13.5%
- Max DD
- -17.3%
- Sharpe
- 0.32
- 3Y win
- +51%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Nippon India Nifty SDL Plus G-Sec - Jun 2028 Maturity 70:30 Index Fund
Nippon India Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.5%
- Vol
- 1.1%
- Max DD
- -0.7%
- Sharpe
- 1.26
- 3Y win
- +14%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN CRISIL IBX GILT APRIL 2026 INDEX FUND
Bandhan Mutual Fund
- 1Y
- +5.8%
- 3Y
- +6.8%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 1.67
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns