ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA vs Baroda BNP Paribas Retirement Fund
ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and Baroda BNP Paribas Retirement Fund are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +12.07% vs —, 5-year CAGR +9.83% vs —, volatility 15.50% vs 12.66%, maximum drawdown −33.92% vs −12.36%. Their portfolios overlap by 27.3% (19 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Baroda BNP Paribas Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹23.6500 | ₹12.1686 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 12 Feb 2019 | 31 May 2024 |
| Track record | 7.7 yrs | 2.4 yrs |
| Fund size (AUM) | ₹1,197 Cr | ₹387 Cr |
| Securities held | 67 | 58 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| 1 month | +4.23% | +4.10% |
| 3 months | −1.34% | −0.26% |
| 6 months | +3.55% | +3.57% |
| 1 year | +4.23% | +4.03% |
| 3 years (CAGR) | +12.07% | — |
| 5 years (CAGR) | +9.83% | — |
| 7 years (CAGR) | +11.89% | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +11.76% | +8.42% |
| SIP return (XIRR, 5 years) ⓘ | +11.02% | — |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| 2026 (year to date) | +2.20% | +2.40% |
| 2025 | +8.28% | +7.59% |
| 2024 | +16.02% | — |
| 2023 | +24.63% | — |
| 2022 | +1.79% | — |
| 2021 | +14.24% | — |
Risk
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 15.50% | 12.66% |
| Downside volatility ⓘ | 10.47% | 9.10% |
| Sharpe ratio ⓘ | 0.36 | 0.15 |
| Sortino ratio ⓘ | 0.53 | 0.21 |
| Maximum drawdown ⓘ | −33.92% | −12.36% |
| Recovery from that fall | 8 months | 4 months |
| Current fall from peak | −1.70% | −0.94% |
| Rolling 1-year return: worst | −27.85% | −3.47% |
| Rolling 1-year return: median | +9.56% | +6.15% |
| Rolling 1-year return: best | +75.07% | +15.71% |
| Share of 1-year periods with a loss | 16.13% | 3.94% |
Against each fund's benchmark
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Beta ⓘ | 0.98 | 0.79 |
| Alpha (Jensen's, annualised) ⓘ | +2.03% | +3.52% |
| R² ⓘ | 88.04 | 92.40 |
| Upside capture | 103.35% | 93.18% |
| Downside capture | 92.10% | 68.43% |
| Tracking error | 5.37% | 4.69% |
| Information ratio | 0.38 | 1.05 |
| Treynor ratio | 4.09 | -0.57 |
Portfolio
Asset mix
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Equity | 98.48% | 70.17% |
| Cash & equivalents | 1.49% | 4.22% |
| Debt | 0.00% | 25.61% |
Market-cap split (share of fund assets)
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Large Cap | 55.30% | 41.47% |
| Mid Cap | 14.99% | 18.12% |
| Small Cap | 26.93% | 10.58% |
| Unclassified | 1.29% | 0.00% |
Concentration
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Top 10 holdings | 28.87% | 40.59% |
| Effective number of stocks ⓘ | 53.4 | 21.6 |
| Securities held | 67 | 58 |
Portfolio overlap: 27.3%
19 companies are held by both funds; by weight, 27.3% of the two portfolios is the same. That is a moderate overlap.
| Held by both | ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement |
|---|---|---|
| ICICI Bank Limited | 5.74% | 2.73% |
| HDFC Bank Limited | 3.56% | 2.20% |
| State Bank of India | 2.06% | 2.23% |
| Bharti Airtel Limited | 2.46% | 1.88% |
| Axis Bank Limited | 2.77% | 1.82% |
| Bharat Heavy Electricals Limited | 1.74% | 1.95% |
| Larsen & Toubro Limited | 1.57% | 2.67% |
| Reliance Industries Limited | 3.28% | 1.53% |
| Mahindra & Mahindra Limited | 1.59% | 1.52% |
| One 97 Communications Limited | 1.47% | 1.43% |
| Tech Mahindra Limited | 1.78% | 1.42% |
| SBI Life Insurance Company Limited | 1.13% | 1.10% |
| Kotak Mahindra Bank Limited | 1.05% | 1.29% |
| Tata Motors Ltd | 1.02% | 1.08% |
| Bajaj Finance Limited | 1.11% | 0.99% |
Top 10 holdings
ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA
- ICICI Bank Limited5.74%
- HDFC Bank Limited3.56%
- Reliance Industries Limited3.28%
- Axis Bank Limited2.77%
- Meesho Ltd2.59%
- Bharti Airtel Limited2.45%
- Infosys Limited2.29%
- Eternal Limited2.07%
- State Bank of India2.06%
- Hindalco Industries Limited2.04%
Baroda BNP Paribas Retirement
- Government Securities18.30%
- 7.34% GOI MAT 2204643.98%
- ICICI Bank Limited2.73%
- Larsen & Toubro Limited2.67%
- Divi's Laboratories Limited2.64%
- State Bank of India2.23%
- HDFC Bank Limited2.20%
- Titan Company Limited2.01%
- Bharat Heavy Electricals Limited1.95%
- Bharti Airtel Limited1.88%
Sector exposure
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Baroda BNP Paribas Retirement | |
|---|---|---|
| Sovereign | 0.00% | 22.76% |
| Banks | 16.28% | 15.78% |
| Retailing | 7.04% | 0.89% |
| IT - Software | 6.69% | 3.45% |
| Auto Components | 5.37% | 0.00% |
| Automobiles | 1.59% | 4.68% |
| Electrical Equipment | 1.74% | 4.62% |
| Pharmaceuticals & Biotechnology | 3.62% | 3.93% |
| Capital Markets | 1.40% | 3.83% |
| Chemicals & Petrochemicals | 0.00% | 3.56% |
| Consumer Durables | 3.46% | 2.01% |
| Finance | 3.08% | 3.44% |
| Petroleum Products | 3.28% | 2.89% |
| Non - Ferrous Metals | 3.26% | 0.73% |
Questions people ask
What is the difference between ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and Baroda BNP Paribas Retirement returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +4.23% vs +4.03%; 3-year CAGR +12.07% vs —; 5-year CAGR +9.83% vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and Baroda BNP Paribas Retirement compare on risk?
Volatility (36 monthly returns, annualised) 15.50% vs 12.66%; Sharpe ratio 0.36 vs 0.15; Sortino ratio 0.53 vs 0.21; maximum drawdown −33.92% vs −12.36%; beta 0.98 vs 0.79.
How much do ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and Baroda BNP Paribas Retirement overlap?
By weight, 27.3% of the two portfolios is invested in the same companies; 19 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, State Bank of India. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and Baroda BNP Paribas Retirement?
ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA: large cap 55.3%, mid cap 15.0%, small cap 26.9%. Baroda BNP Paribas Retirement: large cap 41.5%, mid cap 18.1%, small cap 10.6% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.