MF Gyan
liquidLow risk12 years oldSteady vs its 3-year pace

Baroda Liquid Fund - Plan B (Direct) - Bonus Option

Invests in very short-duration debt. Used to park money for a few days to months, safer than most fund types. From Baroda Mutual Fund. It's been running since 27 May 2014.

Latest price per unit
₹2,027.2949
▲ 0.02% today
As of 11 Jun 2018 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.07 L
▲ ₹7.0k gain · 7.0% / year
Invested 3 years ago
₹1.24 L
▲ ₹24.2k gain · 7.5% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹2.00 L
Gain / loss+₹19.9k
XIRR (annualised)7.21%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹2.01 L
Projected gain*+₹21.5k
*at this fund's historical rate of 7.21% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 143 other funds in Debt Scheme - Liquid Fund

Same plan
1-year return
7.01%median 0.17% (+6.84%)
Rank #3 of 144Beats 99% of peers
3-year return
7.48%median 0.67% (+6.81%)
Rank #1 of 144Beats 100% of peers
Bumpiness (3Y)
0.18%median 0.21% (-0.02%)
Rank #65 of 144Less risky than 55% of peers
Worst-ever drop
0.00%median -0.35% (+0.35%)
Rank #142 of 144Less risky than 0% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 5 of last 5 years were positive.

+5%
2014
+8%
2015
+8%
2016
+7%
2017
+3%
2018
Best year
2015 · 8.45%
Worst year
2018 · 3.19%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
0.2%

The value swings roughly 0% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
0.00%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of Baroda Liquid Fund - Plan B (Direct) - Bonus Option against other liquid funds.

Technical details (for the pros)
CAGR — 1 year7.01%
CAGR — 3 years7.48%
CAGR — 5 years—
CAGR — since launch7.87%
Volatility — 1 year (annualised)0.18%
Volatility — 3 years (annualised)0.18%
Max drawdown — 1 year0.00%
Max drawdown — 3 years0.00%
Sharpe ratio — 1 year (rf=6%)-1.70
Sharpe ratio — 3 years (rf=6%)0.28

Fund info

Fund house
Baroda Mutual Fund
Category
Debt Scheme - Liquid Fund
Plan
Direct
Option
Bonus
ISIN (Growth)
—
ISIN (Div re-invest)
—
Fund code
125129
First price on record
27 May 2014 · 1,214 daily prices

About Baroda Liquid Fund - Plan B (Direct) - Bonus Option

Baroda Liquid Fund - Plan B (Direct) - Bonus Option is a Debt Scheme - Liquid Fund offered by Baroda Mutual Fund under the Direct plan with the Bonus option. It has approximately 12 years of NAV track record. The fund falls in the liquid category — Invests in very short-duration debt. Used to park money for a few days to months, safer than most fund types.

The current NAV of Baroda Liquid Fund - Plan B (Direct) - Bonus Option is ₹2027.2949 (as of 11 Jun 2018). Historically, it has delivered 7.00% over the last year, 7.48% CAGR over 3 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 0.2% annualised volatility — a "low" level of bumpiness; its deepest peak-to-trough fall on record was 0.0%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of Baroda Liquid Fund - Plan B (Direct) - Bonus Option?+

The latest NAV of Baroda Liquid Fund - Plan B (Direct) - Bonus Option is ₹2027.2949 as of 11 Jun 2018, up 0.02% from the previous day. NAV is updated once a business day after the market close.

What are the returns of Baroda Liquid Fund - Plan B (Direct) - Bonus Option?+

Baroda Liquid Fund - Plan B (Direct) - Bonus Option has delivered 1-year return 7.00%, 3-year CAGR 7.48%, since-inception CAGR 7.87%. Returns are historical and don't predict future performance — markets move in cycles.

What category does Baroda Liquid Fund - Plan B (Direct) - Bonus Option belong to?+

Baroda Liquid Fund - Plan B (Direct) - Bonus Option is categorised as Debt Scheme - Liquid Fund. Invests in very short-duration debt. Used to park money for a few days to months, safer than most fund types.

How risky is Baroda Liquid Fund - Plan B (Direct) - Bonus Option?+

Based on its 3-year annualised volatility of 0.2%, Baroda Liquid Fund - Plan B (Direct) - Bonus Option sits in the "low" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is Baroda Liquid Fund - Plan B (Direct) - Bonus Option a direct plan?+

Baroda Liquid Fund - Plan B (Direct) - Bonus Option is a Direct plan (no distributor commission — lower expense ratio) with the Bonus option.

How old is Baroda Liquid Fund - Plan B (Direct) - Bonus Option?+

Baroda Liquid Fund - Plan B (Direct) - Bonus Option has NAV history available from 27 May 2014 — approximately 12 years of track record and 1,214 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.