Baroda BNP Paribas Retirement Fund vs Tata Retirement Savings Fund-Progressive Plan
Baroda BNP Paribas Retirement Fund and Tata Retirement Savings Fund-Progressive Plan are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +13.21%, 5-year CAGR — vs +10.58%, volatility 12.66% vs 16.76%, maximum drawdown −12.36% vs −34.20%. Their portfolios overlap by 15.6% (10 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
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Fund house | Baroda BNP Paribas Mutual Fund | Tata Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹12.1686 | ₹84.4358 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 31 May 2024 | 4 Jan 2013 |
| Track record | 2.4 yrs | 13.8 yrs |
| Fund size (AUM) | ₹387 Cr | ₹2,104 Cr |
| Securities held | 58 | 52 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| 1 month | +4.10% | +3.72% |
| 3 months | −0.26% | −1.47% |
| 6 months | +3.57% | +3.46% |
| 1 year | +4.03% | +6.71% |
| 3 years (CAGR) | — | +13.21% |
| 5 years (CAGR) | — | +10.58% |
| 7 years (CAGR) | — | +13.68% |
| 10 years (CAGR) | — | +14.16% |
| Since launch (CAGR) | +8.42% | +14.94% |
| SIP return (XIRR, 5 years) ⓘ | — | +12.05% |
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
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| 2026 (year to date) | +2.40% | +5.53% |
| 2025 | +7.59% | +0.24% |
| 2024 | — | +23.49% |
| 2023 | — | +30.88% |
| 2022 | — | −2.43% |
| 2021 | — | +25.20% |
Risk
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 12.66% | 16.76% |
| Downside volatility ⓘ | 9.10% | 11.10% |
| Sharpe ratio ⓘ | 0.15 | 0.40 |
| Sortino ratio ⓘ | 0.21 | 0.60 |
| Maximum drawdown ⓘ | −12.36% | −34.20% |
| Recovery from that fall | 4 months | 7 months |
| Current fall from peak | −0.94% | −2.82% |
| Rolling 1-year return: worst | −3.47% | −25.68% |
| Rolling 1-year return: median | +6.15% | +14.51% |
| Rolling 1-year return: best | +15.71% | +79.08% |
| Share of 1-year periods with a loss | 3.94% | 17.29% |
Against each fund's benchmark
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Beta ⓘ | 0.79 | 1.03 |
| Alpha (Jensen's, annualised) ⓘ | +3.52% | +3.03% |
| R² ⓘ | 92.40 | 81.98 |
| Upside capture | 93.18% | 111.76% |
| Downside capture | 68.43% | 98.09% |
| Tracking error | 4.69% | 7.18% |
| Information ratio | 1.05 | 0.43 |
| Treynor ratio | -0.57 | 4.89 |
Portfolio
Asset mix
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Equity | 70.17% | 93.51% |
| Debt | 25.61% | 0.00% |
| Cash & equivalents | 4.22% | 6.49% |
Market-cap split (share of fund assets)
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Large Cap | 41.47% | 50.66% |
| Mid Cap | 18.12% | 21.17% |
| Small Cap | 10.58% | 19.91% |
| Unclassified | 0.00% | 1.77% |
Concentration
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Top 10 holdings | 40.59% | 34.24% |
| Effective number of stocks ⓘ | 21.6 | 44.9 |
| Securities held | 58 | 52 |
Portfolio overlap: 15.6%
10 companies are held by both funds; by weight, 15.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan |
|---|---|---|
| ICICI Bank Limited | 2.73% | 4.97% |
| Titan Company Limited | 2.01% | 1.96% |
| Multi Commodity Exchange of India Limited | 1.83% | 3.81% |
| Radico Khaitan Limited | 1.77% | 3.17% |
| Reliance Industries Limited | 1.53% | 3.66% |
| One 97 Communications Limited | 1.43% | 2.01% |
| Nippon Life India Asset Management Limited | 1.38% | 1.88% |
| Kotak Mahindra Bank Limited | 1.29% | 2.28% |
| Karur Vysya Bank Limited | 0.84% | 2.14% |
| Maruti Suzuki India Limited | 0.80% | 0.92% |
Top 10 holdings
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%
Tata Retirement Savings Fund-Progressive Plan
- Solar Industries India Limited5.39%
- ICICI Bank Limited4.97%
- Eternal Limited4.11%
- Multi Commodity Exchange of India Limited3.81%
- Reliance Industries Limited3.66%
- Radico Khaitan Limited3.17%
- Adani Ports and Special Economic Zone Limited2.46%
- Kotak Mahindra Bank Limited2.28%
- 360 One WAM Limited2.25%
- Karur Vysya Bank Limited2.14%
Sector exposure
| Baroda BNP Paribas Retirement | Tata Retirement Savings Fund-Progressive Plan | |
|---|---|---|
| Sovereign | 22.76% | 0.00% |
| Banks | 15.78% | 10.54% |
| Capital Markets | 3.83% | 11.61% |
| Chemicals & Petrochemicals | 3.56% | 5.39% |
| Industrial Products | 1.23% | 4.88% |
| Automobiles | 4.68% | 2.43% |
| Electrical Equipment | 4.62% | 2.79% |
| Beverages | 1.77% | 4.17% |
| Retailing | 0.89% | 4.11% |
| Consumer Durables | 2.01% | 3.98% |
| Finance | 3.44% | 3.94% |
| Pharmaceuticals & Biotechnology | 3.93% | 3.62% |
| Petroleum Products | 2.89% | 3.66% |
| Food Products | 1.42% | 3.59% |
Questions people ask
What is the difference between Baroda BNP Paribas Retirement and Tata Retirement Savings Fund-Progressive Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +4.03% vs +6.71%; 3-year CAGR — vs +13.21%; 5-year CAGR — vs +10.58%; 10-year CAGR — vs +14.16%. Past returns do not indicate future returns.
How do Baroda BNP Paribas Retirement and Tata Retirement Savings Fund-Progressive Plan compare on risk?
Volatility (36 monthly returns, annualised) 12.66% vs 16.76%; Sharpe ratio 0.15 vs 0.40; Sortino ratio 0.21 vs 0.60; maximum drawdown −12.36% vs −34.20%; beta 0.79 vs 1.03.
How much do Baroda BNP Paribas Retirement and Tata Retirement Savings Fund-Progressive Plan overlap?
By weight, 15.6% of the two portfolios is invested in the same companies; 10 stocks are held by both, the largest shared positions being ICICI Bank Limited, Titan Company Limited, Multi Commodity Exchange of India Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Baroda BNP Paribas Retirement and Tata Retirement Savings Fund-Progressive Plan?
Baroda BNP Paribas Retirement: large cap 41.5%, mid cap 18.1%, small cap 10.6%. Tata Retirement Savings Fund-Progressive Plan: large cap 50.7%, mid cap 21.2%, small cap 19.9% (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.