Baroda Factsheet August 2020

Working in Factsheet
August 2020
right combination
bears fruit.
Presenting
Baroda
Large & Mid Cap Fund
An open-ended equity scheme investing in
both large cap and mid cap stocks
To invest or know more log on to www.barodamf.com or call your Financial Advisor today
Riskometer
Mo This product is suitable for investors

ely Moderate
rat de
Hig ratel who are seeking#:
de w
Mo Lo h y
Ÿ Capital appreciation over long term
High
Low
Ÿ Investment predominantly in equity &

LOW HIGH equity related instruments of large &
Investors understand that their principal midcap stocks *The Bank of Baroda logo belongs to Bank of Baroda and is used under license.
will be at Moderately High risk
#
Investors should consult their ﬁnancial advisers if in doubt about whether the product issuitable for them.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
CIO LETTER - August 2020 The Bank of Baroda logo belongs to Bank of Baroda
and is used under license
Mr. Sanjay Chawla

Chief Investment Officer
Dear Investors,
Warm Greetings!
The Nifty-50 indices gained 2.8% in the month of August. This follows a 7.5% rally witnessed in the month of July.
While expectations of recovery and gradual opening up of economy kept the momentum, a fresh tension between India
and China on the border led a sharp sell-off at the end of month. On a YTD basis Nifty 50 index is still down 6.5%. This
compares with 9% increase for S&P 500 and around 2% fall for markets in Japan and Germany. Amongst indices, BSE
Midcap and Small cap outperformed with gains of 7% and 10% respectively. Sectorally, Metals, Banking, Auto, capital
goods and consumer durables outperformed while technology, FMCG and Oil & Gas underperformed.
On the macro front, IIP for June contracted 17% YoY. While the levels are still weak, they mark an improvement over last
three months’ average contraction of 37% YoY. As regards recovery, it is most pronounced in consumer non-durables (up
14% YoY) in June led by strong growth in pharma, tobacco and food products. This is then followed by primary products
like chemicals (down 2% YoY). Intermediate and infrastructure goods have also posted a recovery, but their overall levels
remain weak (down 20–25% YoY). The recovery is weakest in capital goods and consumer durables, which are down
35% YoY in June. From a size perspective, labour intensive segments (textiles, gems and jewellery, etc) still remain quite
weak (minus 30– 40% YoY) while capital-intensive segments are doing better, but are down 15% YoY.
CPI spiked in Jul’20 to 6.9% on higher taxes, gold prices and supply disruption in vegetable prices. Demand-side pressure
was low. Food inflation rose to a three-month high of 9.6% on account of a surge in vegetable prices and edible oil.
Rural food inflation rose sharply compared to urban areas. The sowing area expansion in the Kharif season, favourable
monsoon, improving terms of trade and rise in reservoir levels are likely to help in bringing down food inflation in the near
term. Fuel & light inflation surged in the urban areas, whereas it remained deflationary in the rural areas. Core CPI rose
to 5.9%, but demand pressures remain low: Rise in gold prices due to risk off rally & high liquidity, increase in petroleum
duties, hike in alcohol prices were the main reason behind spike in CPI.
Real Gross Value Added (GVA) growth in 1QFY21 was (-)22.8% while real GDP growth was at (-)23.9%. GVA contraction
was mostly driven by manufacturing, construction, trade, hotel, transport, and communication segments which declined
by 40-50% respectively. As expected, the positive growths were registered by agriculture and allied sector at 3.4%.
In terms of flows, FPI were net buyers to the tune of USD6.4bn, while MFs sold stocks worth USD1.25bn. On YTD basis
FPIs have turned positive now to the tune of USD5.1bn and MF’s are positive to the tune of USD 3bn.
Markets have rallied by 19% over the last 3 months. Many macro indicators are showing month on month improvement.
Manufacturing, Purchasing Managers’ Index (PMI), growth in railway freight and road toll e payments have shown
improvement. Lockdown restrictions have been further relaxed in many states which may help in driving further
improvement in consumption. Valuations clearly have inched up in last 3 months and ground data points need to improve
for this rally to sustain. We remain cautiously optimistic on equities.
Happy Investing!
Source : Bloomberg
Mutual Fund investments are subject market risks, read all scheme related documents carefully.
2
The Bank of Baroda logo belongs to Bank of Baroda
INDEX
How To Read Factsheet Pg 4
Baroda Multi Cap Fund Pg 5
Baroda ELSS’ 96 Pg 6
Baroda Mid Cap Fund Pg 7
Baroda Large Cap Fund Pg 8
Baroda Banking and Financial Services Fund Pg 9
Baroda Hybrid Equity Fund Pg 10
Baroda Dynamic Equity Fund Pg 11
Baroda Equity Savings Fund Pg 12
Baroda Conservative Hybrid Fund Pg 13
Baroda Credit Risk Fund (scheme has one segregated portfolio) Pg 14
Baroda Gilt Fund Pg 15
Baroda Dynamic Bond Fund Pg 16
Baroda Short Term Bond Fund Pg 17
Baroda Treasury Advantage Fund (scheme has one segregated portfolio) Pg 18
Baroda Ultra Short Duration Fund Pg 19
Baroda Liquid Fund Pg 20
Baroda Overnight Fund Pg 21
Baroda Money Market Fund Pg 22
Investment Performance Pg 23
SIP Returns Pg 26
Dividend History Pg 27
3
How To Read Factsheet?
Fund Manager : An employee of the asset management company such as a mutual fund or life insurer, who manages investments
of the scheme. He is usually part of a larger team of fund managers and research analysts.
Application Amount for Fresh Subscription : This is the minimum investment amount for a new investor in a mutual fund
scheme.
Minimum Additional Amount : This is the minimum investment amount for an existing investor in a mutual fund scheme.
Yield to Maturity : The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is
expressed as an annual rate. The YTM factors in the bond’s current market price, par value, coupon interest rate and time to maturity.
SIP : SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. It works similar to a
recurring bank deposit. For instance, an investor may opt for an SIP that invests Rs 500 every 15th of the month in an equity fund for
a period of three years.
NAV : The NAV or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible
expenses. The NAV is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund.
Benchmark : A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure
investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200,
BSE500, 10-Year Gsec.
Entry Load : A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent.
Entry load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing NAV at
the time of investment. For instance, if the NAV is Rs. 100 and the entry load is 1%, the investor will enter the fund at Rs. 101.
Note : SEBI, vide circular dated June 30, 2009 has abolished entry load and mandated that the upfront commission to distributors
will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by
the distributor.
Exit Load : Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is deducted from the
prevailing NAV at the time of redemption. For instance, if the NAV is Rs 100 and the exit load is 1%, the redemption price would be
Rs 99 Per Unit.
Modified Duration : Modified duration is the price sensitivity and the percentage change in price for a unit change in yield
Standard Deviation : Standard deviation is a statistical measure of the range of an investment’s performance. When a mutual fund
has a high standard deviation, its means its range of performance is wide, implying greater volatility.
Sharpe Ratio : The Sharpe Ratio, named after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns.
It is calculated using standard deviation and excess return to determine reward per unit of risk.
Beta : Beta is a measure of an investment’s volatility vis-à-vis the market. Beta of less than 1 means that the security will be less
volatile than the market. A beta of greater than 1 implies that the security’s price will be more volatile than the market.
AUM : AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a
mutual fund or any investment firm.
Holdings : The holdings or the portfolio is a mutual fund’s latest or updated reported statement of investments/securities. These are
usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where
their money is being invested by the fund manager.
Nature of Scheme : The investment objective and underlying investments determine the nature of the mutual fund scheme. For
instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund.
Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these
categories may have sub-categories.
Rating Profile : Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of
the mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of
debt funds.
Macaulay Duration: Is the weighted average term to maturity of the cash flows from an instrument. The weight of each cash flow
is determined by dividing the present value of the cash flow by the price. Macaulay duration is a measure of interest rate sensitivity
of a Fixed income instrument. Higher the Macaulay duration, higher would be the interest rate risk. Investors may refer to Scheme
Information Document of the fund for further details.
4
Baroda Multi Cap Fund
Multi Cap Fund - An open ended equity scheme investing across large
cap, mid-cap and small cap stocks. 31 August, 2020
Investment Objective
To generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments.
Date of Inception Portfolio Portfolio

Ratings / % to Net Ratings / % to Net
September 12, 2003 Name of Instruments Name of Instruments
Industries Assets Industries Assets
EQUITY & EQUITY RELATED Maruti Suzuki India Ltd. Auto 1.24%
Benchmark Listed / awaiting listing on the stock exchanges Consumer Non
Tata Consumer Products Ltd. 1.23%
S&P BSE 500^ ICICI Bank Ltd. Banks 9.35% Durables
(Effective October 29, 2019) Reliance Industries Ltd. Petroleum Products 6.81% Tata Power Company Ltd. Power 1.17%
Total Return variant of the Benchmark Index Consumer Non
HDFC Bank Ltd. Banks 6.09% Nestle India Ltd. 1.16%
(TRI) Durables
Housing Development
Finance 5.89% Larsen & Toubro Ltd. Construction Project 1.15%
Finance Corporation Ltd.
Consumer Non
Infosys Ltd. Software 5.35% United Spirits Ltd. 1.13%
Durables
Minimum Investment Hindustan Unilever Ltd.
Consumer Non
3.46% Cholamandalam Investment
Durables Finance 1.13%
& Finance Co. Ltd.
` 5,000/- & in multiples of ` 1/- thereafter Bharti Airtel Ltd. Telecom - Services 2.95% Non - Ferrous
Hindalco Industries Ltd. 1.12%
Divi's Laboratories Ltd. Pharmaceuticals 2.84% Metals
Security and Intelligence
Load Structure Aarti Industries Ltd. Chemicals 2.79%
Services (I) Ltd.
Commercial Services 1.12%
Escorts Ltd. Auto 2.64% Mahindra & Mahindra Ltd. Auto 1.10%
Entry Load: NA Consumer Non
ITC Ltd. 2.55% Rallis India Ltd. Pesticides 1.07%
Exit Load: 1%, if redeemed on or before 365 Durables
days from the date of allotment of units, Nil Reliance Industries Ltd. Petroleum Products 2.53% Pidilite Industries Ltd. Chemicals 1.02%
if redeemed after 365 days from the date of Tech Mahindra Ltd. Software 2.51% HCL Technologies Ltd. Software 1.01%
allotment of units IPCA Laboratories Ltd. Pharmaceuticals 2.17% IndusInd Bank Ltd. Banks 0.57%
Housing Development
City Union Bank Ltd. Banks 2.13% Finance 0.45%
Alembic Pharmaceuticals Aditya Birla Fashion and
Plans & Option Pharmaceuticals 2.12% Retailing 0.03%
Ltd. Retail Ltd.
Plan A and Plan B (Direct) Axis Bank Ltd. Banks 2.11% Total 96.99%
SBI Life Insurance Company
A. Growth Option (default option in case no Finance 2.11% Margin Fixed Deposits
Ltd.
option specified by investor); 2.99% HDFC Bank Ltd.
State Bank of India Banks 2.06% 0.28%
B. Dividend Option (Duration 91 Days)
SBI Cards & Payment
1. Payout Finance 1.96% Total 0.28%
Services Ltd.
2. Re-investment (default sub-option in case Crompton Greaves TREPS / Reverse Repo Investments 2.11%
no option specified by investor) Consumer Durables 1.53%
Consumer Electricals Ltd. Total 2.11%
C. Bonus Option$ Ultratech Cement Ltd. Cement 1.42%
Cash & Cash Equivalents
Jindal Steel & Power Ltd. Ferrous Metals 1.37%
Net Receivable/Payable 0.62%
Consumer Non
SIP (Minimum) Britannia Industries Ltd. 1.35% Total 0.62%
Durables
Titan Company Ltd. Consumer Durables 1.33% Grand Total 100.00%
` 500/month - 12 Installments
Consumer Non
` 1500/quarter - 4 Installments Dabur India Ltd. 1.32%
Durables
Hindustan Petroleum
Petroleum Products 1.28%
Corporation Ltd.
AAUM & AUM Jubilant Foodworks Ltd.
Consumer Non
1.27%
Durables
AAUM ` 827.17 Crs
AUM ` 824.29 Crs Top 10 Industries
BANK
Risk Profile 31 August 2020

Standard deviation 18.92%
Sharpe@ (0.17) Banks Consumer Finance Software Pharmaceuticals Auto Chemicals Telecom Consumer
22.31% Non 11.54% Petroleum 8.87% 7.13% 4.98% 3.81% Services Durables
Beta 0.93 Durables Products 2.86%
2.95%
Portfolio Turnover 13.47% 10.62%
0.86
(last 12 months)
@risk free rate (FBIL Overnight MIBOR) 3.78% Riskometer NAV as on 31 August 2020
Plan A `
Growth 97.32
Total Expense Ratio
Dividend 27.12
Plan A 2.48%
Plan B - Direct `
Plan B (Direct) 1.71%
Growth 104.12
Dividend 27.58
Fund Managers#
This product is suitable for investors who are seeking*
Mr. Sanjay Chawla&
• Capital appreciation over long term.
(Experience 29 Years) • Investment predominantly in equity and equity related
instruments.
Mr. Dipak Acharya * Investors should consult their financial advisers if in doubt
about whether the product is suitable for them.
(Experience 15 Years) $
The Bonus Option in the Schemes has been discontinued effective June 08, 2015
#
For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 23 - 25
&
Mr. Chawla is managing the Scheme along ^
For Disclaimer please refer page no 25
with Mr. Acharya effective November 1, 2015
5
Baroda ELSS’ 96
An open ended equity linked saving scheme with a statutory lock in of 3 years
and tax benefit. 31 August, 2020 and is used under license
The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

March 31, 1996 Name of Instruments Name of Instruments
EQUITY & EQUITY RELATED Crompton Greaves
Consumer Durables 1.47%
Benchmark Listed / awaiting listing on the stock exchanges Consumer Electricals Ltd.
ICICI Bank Ltd. Banks 8.09% Gujarat Gas Ltd. Gas 1.47%
S&P BSE 200^
Total Return variant of the Benchmark Index Reliance Industries Ltd. Petroleum Products 6.59% Tata Power Company Ltd. Power 1.42%
(TRI) HDFC Bank Ltd. Banks 6.05% Consumer Non
Jubilant Foodworks Ltd. 1.39%
Durables
Housing Development
Finance 5.52% Titan Company Ltd. Consumer Durables 1.33%
Minimum Investment Finance Corporation Ltd.
Infosys Ltd. Software 5.32% Dalmia Bharat Ltd. Cement 1.24%
` 500/- & in multiples of ` 1/- thereafter Consumer Non Maruti Suzuki India Ltd. Auto 1.24%
Hindustan Unilever Ltd. 3.51%
Durables
Jindal Steel & Power Ltd. Ferrous Metals 1.24%
Bharti Airtel Ltd. Telecom - Services 3.09%
Load Structure SBI Life Insurance Company Page Industries Ltd. Textile Products 1.14%
Finance 2.99% Consumer Non
Ltd. Britannia Industries Ltd. 1.12%
Entry Load: NA
Divi's Laboratories Ltd. Pharmaceuticals 2.82% Durables
Exit Load: Nil Bajaj Finserv Ltd. Finance 1.12%
Tech Mahindra Ltd. Software 2.68%
Consumer Non Can Fin Homes Ltd. Finance 1.12%
Plans & Option ITC Ltd. 2.59%
Durables Mahindra & Mahindra Ltd. Auto 1.10%
Plan A and Plan B (Direct) Reliance Industries Ltd. Petroleum Products 2.52% Ultratech Cement Ltd. Cement 1.06%
A. Growth Option (default option in case no IPCA Laboratories Ltd. Pharmaceuticals 2.28% HCL Technologies Ltd. Software 1.05%
option specified by investor); Axis Bank Ltd. Banks 2.25% Media &
B. Dividend Option Sun TV Network Ltd. 0.68%
SBI Cards & Payment Entertainment
1. Payout Finance 2.19% Non - Ferrous
Services Ltd. Hindalco Industries Ltd. 0.56%
C. Bonus Option$ Alembic Pharmaceuticals Metals
Pharmaceuticals 2.15%
Ltd. DCB Bank Ltd. Banks 0.54%
City Union Bank Ltd. Banks 2.03% The Federal Bank Ltd. Banks 0.50%
SIP (Minimum) Escorts Ltd. Auto 1.97% State Bank of India Banks 0.32%
SRF Ltd. Industrial Products 1.96% Total 96.56%
Dixon Technologies (India)
` 1500/quarter - 4 Installments Consumer Durables 1.95% TREPS / Reverse Repo Investments 2.32%
Ltd.
Gujarat Fluorochemicals Ltd. Chemicals 1.85% Total 2.32%
Hindustan Petroleum Cash & Cash Equivalents
Petroleum Products 1.82%
AAUM & AUM Corporation Ltd.
AAUM ` 165.81 Crs Metropolis Healthcare Ltd. Healthcare Services 1.66%
Consumer Non Total 1.12%
AUM ` 165.70 Crs Dabur India Ltd. 1.57%
Durables Grand Total 100.00%
Top 10 Industries
Risk Profile 31 August 2020 BANK

Sharpe@ (0.27)
Beta 0.93 Banks Finance Consumer Software Pharmaceuticals Consumer Auto Telecom
Petroleum Cement
19.78% 12.94% Non 9.05% 7.25% Durables 4.31% Services
Products 2.30%
Portfolio Turnover Durables 4.75% 3.09%
1.32 10.93%
(last 12 months) 10.18%
@risk free rate (FBIL Overnight MIBOR) 3.78%
Riskometer NAV as on 31 August 2020
Plan A `
Total Expense Ratio
Plan A 2.54% Growth 43.19
Plan B (Direct) 1.86% Bonus 43.19

Dividend 26.49
Plan B - Direct `
Fund Managers# Growth 46.82
Bonus 46.82
Mr. Sanjay Chawla&
(Experience 29 Years) This product is suitable for investors who are seeking* Dividend 32.56
• Capital growth over long term.
Mr. Dipak Acharya • Investment predominantly in equity and equity related

instruments.
(Experience 15 Years)
* Investors should consult their financial advisers if in doubt
&
Mr. Chawla is managing the Scheme along $
with Mr. Acharya effective November 1, 2015 #
^
6
Baroda Mid-Cap Fund
Mid Cap Fund – An open-ended equity scheme pre-dominantly
investing in mid cap stocks. 31 August, 2020
Investment Objective The primary objective of the Scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related
securities of growth oriented mid cap stocks.
However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

October 4, 2010 Name of Instruments Name of Instruments
EQUITY & EQUITY RELATED Consumer Non
Jubilant Foodworks Ltd. 1.66%
Benchmark Listed / awaiting listing on the stock exchanges Durables
City Union Bank Ltd. Banks 4.81% Sanofi India Ltd. Pharmaceuticals 1.63%
S&P BSE Mid-cap index^ Crompton Greaves Dixon Technologies (India)
Consumer Durables 4.30% Consumer Durables 1.60%
Total Return variant of the Benchmark Index Consumer Electricals Ltd. Ltd.
(TRI) Torrent Power Ltd. Power 4.28% Indraprastha Gas Ltd. Gas 1.56%
Aarti Industries Ltd. Chemicals 4.15% The Federal Bank Ltd. Banks 1.37%
Escorts Ltd. Auto 3.87% Tata Communications Ltd. Telecom - Services 1.29%
Minimum Investment
SRF Ltd. Industrial Products 3.61% Jindal Steel & Power Ltd. Ferrous Metals 1.22%
` 5,000/- & in multiples of ` 1/- thereafter Tata Power Company Ltd. Power 3.49% Gujarat State Petronet Ltd. Gas 1.21%
MindTree Ltd. Software 3.43% Consumer Non
Navin Fluorine International Radico Khaitan Ltd. 1.19%
Chemicals 3.09% Durables
Load Structure Ltd. Trent Ltd. Retailing 1.14%
IPCA Laboratories Ltd. Pharmaceuticals 2.99% Apollo Hospitals Enterprise
Entry Load: NA Healthcare Services 1.13%
Dalmia Bharat Ltd. Cement 2.97% Ltd.
Exit Load: 1.00%, if redeemed on or before
Metropolis Healthcare Ltd. Healthcare Services 2.91% Natco Pharma Ltd. Pharmaceuticals 1.12%
365 days from the date of allotment of units,
Consumer Non Astral Poly Technik Ltd. Industrial Products 1.11%
Nil, if redeemed after 365 days from the date Akzo Nobel India Ltd. 2.80%
Durables
of allotment of units. Alembic Pharmaceuticals Can Fin Homes Ltd. Finance 1.10%
Pharmaceuticals 2.42% Honeywell Automation Industrial Capital
Ltd. 0.97%
RBL Bank Ltd. Banks 2.33% India Ltd. Goods
Plans & Option
Rallis India Ltd. Pesticides 2.32% AU Small Finance Bank Ltd. Banks 0.93%
Plan A and Plan B (Direct) Coromandel International Media &
Fertilisers 2.26% Sun TV Network Ltd. 0.67%
A. Growth Option (default option in case no Ltd. Entertainment
option specified by investor); PI Industries Ltd. Pesticides 2.18% Atul Ltd. Chemicals 0.32%
B. Dividend Option Aditya Birla Fashion and
DCB Bank Ltd. Banks 2.11% Retailing 0.05%
1. Payout; Retail Ltd.
Consumer Non
2. Reinvestment (default sub-option in case Tata Consumer Products Ltd. 2.11% Total 95.32%
Durables
no option specified by investor) TREPS / Reverse Repo Investments 5.54%
Balkrishna Industries Ltd. Auto Ancillaries 2.09%
C. Bonus Option$
Solar Industries India Ltd. Chemicals 2.00% Total 5.54%
Gujarat Gas Ltd. Gas 1.93% Cash & Cash Equivalents
SIP (Minimum) Mahanagar Gas Ltd. Gas 1.88% Net Receivable/Payable -0.86%
` 500/month - 12 Installments Page Industries Ltd. Textile Products 1.88% Total -0.86%
` 1500/quarter - 4 Installments Cholamandalam Investment
Finance 1.84% Grand Total 100.00%
& Finance Co. Ltd.
AAUM & AUM

AAUM ` 50.37 Crs Top 10 Industries
AUM ` 50.51 Crs
BANK

Consumer Consumer Industrial
Standard deviation 17.87% Banks Chemicals Pharmaceuticals Power Non Gas Pesticides Healthcare
Durables Products 4.50% Services
Sharpe@ (0.12) 11.55% 9.56% 8.16% 7.77% Durables 6.58%
5.90% 4.72% 4.04%
Beta 0.84 7.76%
Portfolio Turnover
(last 12 months)
1.54 Riskometer NAV as on 31 August 2020
Plan A `
Growth 9.43
Dividend 9.43
Total Expense Ratio
Plan B - Direct `
Plan A 2.53%
Growth 10.04
Dividend 10.04
Fund Managers#
Mr. Sanjay Chawla • Capital appreciation over long term.
(Experience 29 Years) • Investment predominantly in equity and equity related securities
of growth oriented Mid-Cap stocks.
Mr. Dipak Acharya about whether the product is suitable for them.
#
^
7
Baroda Large Cap Fund
Large Cap Fund – An open-ended equity scheme pre-dominantly
investing in large cap stocks. 31 August, 2020
Investment Objective The primary objective of the Scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related
securities of large cap companies. The Scheme may also invest in debt and money market securities.

June 22, 2010 Name of Instruments Name of Instruments
EQUITY & EQUITY RELATED SBI Cards & Payment
Finance 1.61%
Benchmark Listed / awaiting listing on the stock exchanges Services Ltd.
ICICI Bank Ltd. Banks 8.98% Avenue Supermarts Ltd. Retailing 1.60%
Nifty 100^ Hindustan Petroleum
Total Return variant of the Benchmark Index HDFC Bank Ltd. Banks 7.94% Petroleum Products 1.58%
Corporation Ltd.
(TRI) Housing Development Shree Cement Ltd. Cement 1.44%
Finance 6.52%
Finance Corporation Ltd. Housing Development
Reliance Industries Ltd. Petroleum Products 5.92% Finance 1.42%
Minimum Investment Finance Corporation Ltd.
Infosys Ltd. Software 5.28% Escorts Ltd. Auto 1.39%
` 5,000/- & in multiples of ` 1/- thereafter Consumer Non
Consumer Non Dabur India Ltd. 1.35%
Hindustan Unilever Ltd. 3.76% Durables
Durables
Non - Ferrous
Load Structure Bharti Airtel Ltd. Telecom - Services 3.65% Hindalco Industries Ltd. 1.32%
Metals
SBI Life Insurance Company Tata Consultancy Services
Entry Load: NA Finance 3.30% Software 1.28%
Ltd. Ltd.
Exit Load: 1.00%, if redeemed on or before Consumer Non Titan Company Ltd. Consumer Durables 1.25%
ITC Ltd. 3.26%
365 days from the date of allotment of units, Durables
Reliance Industries Ltd. Petroleum Products 3.14% Pidilite Industries Ltd. Chemicals 1.20%
Nil, if redeemed after 365 days from the date
of allotment of units. Axis Bank Ltd. Banks 2.97% HCL Technologies Ltd. Software 1.19%
Tech Mahindra Ltd. Software 2.63% Maruti Suzuki India Ltd. Auto 1.17%
Plans & Option Larsen & Toubro Ltd. Construction Project 1.14%
State Bank of India Banks 2.41%
Plan A and Plan B (Direct) Total 97.36%
Kotak Mahindra Bank Ltd. Banks 2.39%
A. Growth Option (default option in case no
Consumer Non Margin Fixed Deposits
option specified by investor); Nestle India Ltd. 2.27%
Durables 3.99% HDFC Bank Ltd.
B. Dividend Option 0.31%
1. Payout; Divi's Laboratories Ltd. Pharmaceuticals 2.22% (Duration 91 Days)
2. Reinvestment (default sub-option in case Sun Pharmaceutical Total 0.31%
Pharmaceuticals 2.22%
no option specified by investor) Industries Ltd.
TREPS / Reverse Repo Investments 4.07%
C. Bonus Option$ Mahindra & Mahindra Ltd. Auto 2.16%
Consumer Non Total 4.07%
Britannia Industries Ltd. 2.12%
Durables
SIP (Minimum) Ultratech Cement Ltd. Cement 1.94%
Net Receivable/Payable -1.74%
` 500/month - 12 Installments Cadila Healthcare Ltd. Pharmaceuticals 1.69%
` 1500/quarter - 4 Installments Industrial Capital Total -1.74%
Siemens Ltd. 1.65%
Goods Grand Total 100.00%
AAUM & AUM Top 10 Industries

AAUM ` 35.36 Crs
AUM ` 35.17 Crs BANK
Risk Profile 31 August 2020 Banks Finance Consumer Software Pharmaceuticals Auto Telecom Cement
Petroleum Industrial
Standard deviation 18.88% 24.69% 12.85% Non 10.38% 6.13% 4.72% Services 3.38%
Products Capital
Durables 3.65%
Sharpe@ (0.07) 10.64% Goods
12.76%
1.65%
Beta 0.81
Portfolio Turnover Riskometer NAV as on 31 August 2020
0.95
(last 12 months) Plan A `
@risk free rate (FBIL Overnight MIBOR) 3.78% Growth 14.57
Dividend 11.59
Plan B - Direct `
Total Expense Ratio
Growth 15.37
Plan A 2.57%
Dividend 12.33

Fund Managers# • Capital appreciation over long term.
• Investment predominantly in a diversified portfolio of equity and
Mr. Sanjay Chawla equity related securities of Large Cap companies.
(Experience 29 Years) * Investors should consult their financial advisers if in doubt
Mr. Dipak Acharya

$
#
(Experience 15 Years) ^
8
Baroda Banking and Financial Services Fund
An open ended equity scheme investing in the Banking and Financial
Services sector. 31 August, 2020
Investment Objective The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity
related securities of companies engaged in the Banking & Financial Services Sector.

June 22, 2012 Name of Instruments Name of Instruments
EQUITY & EQUITY RELATED The Federal Bank Ltd. Banks 1.32%
Benchmark Listed / awaiting listing on the stock exchanges
ICICI Lombard General
HDFC Bank Ltd. Banks 23.97% Finance 1.20%
Insurance Company Ltd.
Nifty Bank Index^
ICICI Bank Ltd. Banks 19.17% Karur Vysya Bank Ltd. Banks 1.14%
Total Return variant of the Benchmark Index
(TRI) Axis Bank Ltd. Banks 10.67% Can Fin Homes Ltd. Finance 1.06%
Kotak Mahindra Bank Ltd. Banks 5.02% Muthoot Finance Ltd. Finance 0.96%
Minimum Investment State Bank of India Banks 4.81% AU Small Finance Bank Ltd. Banks 0.96%
` 5,000/- & in multiples of ` 1/- thereafter Housing Development
Finance 4.37% ICRA Ltd. Finance 0.14%
SBI Cards & Payment Total 97.69%
Finance 3.86%
Services Ltd.
Load Structure Margin Fixed Deposits
IndusInd Bank Ltd. Banks 3.01%
3.99% HDFC Bank Ltd.
Entry Load: NA SBI Life Insurance Company 0.36%
Finance 2.96% (Duration 91 Days)
Exit Load: 1.00% if redeemed on or before Ltd.
Total 0.36%
365 days from the date of allotment of units, RBL Bank Ltd. Banks 2.81%
Nil if redeemed after 365 days from the date TREPS / Reverse Repo Investments 2.24%
City Union Bank Ltd. Banks 2.74%
of allotment of units Total 2.24%
DCB Bank Ltd. Banks 2.13%
Mahindra & Mahindra Cash & Cash Equivalents
Plans & Option Financial Services Ltd.
Finance 1.97%
Plan A and Plan B (Direct) Cholamandalam Investment
Finance 1.94% Total -0.29%
& Finance Co. Ltd.
option specified by investor); Bajaj Finserv Ltd. Finance 1.48% Grand Total 100.00%
B. Dividend Option
1. Payout;
2. Reinvestment (default sub-option in case Top Industries
no option specified by investor)
`
C. Bonus Option$
BANK
SIP (Minimum)
` 500/month - 12 Installments Banks Finance Unrated Cash & Equivalent
77.75% 19.94% 0.36% 1.95%
` 1500/quarter - 4 Installments
AAUM & AUM

AAUM ` 40.17 Crs Riskometer NAV as on 31 August 2020
AUM ` 41.89 Crs Plan A `
Growth 20.00
Dividend 13.59
Plan B - Direct `
Growth 21.20
Sharpe@ (0.18)
Dividend 14.63
Beta 0.90
Portfolio Turnover
0.82
(last 12 months)
• Capital appreciation over long term.
Total Expense Ratio • Investment predominantly in equity and equity related securities
of companies engaged in the Banking & Financial Services
Plan A 2.65%
Sector.
Plan B (Direct) 1.85% * Investors should consult their financial advisers if in
doubt about whether the product is suitable for them.
$
Fund Manager# #
^
Mr. Dipak Acharya
9
Baroda Hybrid Equity Fund
An open ended hybrid scheme investing predominantly in equity and equity
related instruments. 31 August, 2020
Investment Objective The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity, equity related
instruments, money market instrument and debt securities.

% to % to
September 12, 2003 Ratings / Ratings /
Name of Instruments Net Name of Instruments Net
Industries Industries
Assets Assets
EQUITY & EQUITY RELATED Housing Development Finance
Benchmark Listed / awaiting listing on the stock exchanges Corporation Ltd.
Finance 0.43%
ICICI Bank Ltd. Banks 7.84% Hindustan Petroleum
CRISIL Hybrid 35+65 – Aggressive Index Petroleum Products 0.35%
Corporation Ltd.
Reliance Industries Ltd. Petroleum Products 7.30%
(effective February 1, 2018) Hindalco Industries Ltd. Non - Ferrous Metals 0.32%
Infosys Ltd. Software 4.78%
State Bank of India Banks 0.25%
HDFC Bank Ltd. Banks 4.70%
Housing Development Finance Total 77.42%
Minimum Investment Finance 3.43% CENTRAL GOVERNMENT SECURITIES
Corporation Ltd.
Hindustan Unilever Ltd. Consumer Non Durables 3.22% 8.24% CGL 2027 Sovereign 0.34%
` 5,000/- & in multiples of ` 1/- thereafter Bharti Airtel Ltd. Telecom - Services 2.88% 7.59% CGL 2026 Sovereign 0.25%
Divi's Laboratories Ltd. Pharmaceuticals 2.63% 7.88% CGL 2030 Sovereign 0.18%
Tech Mahindra Ltd. Software 2.60% 8.28% CGL 2027 Sovereign 0.03%
Load Structure Escorts Ltd. Auto 2.16% Total 0.80%
Reliance Industries Ltd. Petroleum Products 2.09% STATE GOVERNMENT SECURITIES
Entry Load: NA
Axis Bank Ltd. Banks 2.03% 9.72% State Government of
Exit Load: 1% if redeemed on or before 12 Sovereign 1.31%
ITC Ltd. Consumer Non Durables 2.01% Punjab 2023
months from the date of allotment of units, City Union Bank Ltd. Banks 1.99% Total 1.31%
Nil if redeemed after 12 months from the SBI Life Insurance Company BONDS & NCDs
Finance 1.94%
date of allotment of units Ltd. Listed / awaiting listing on the stock exchanges
SBI Cards & Payment Services ICICI Bank Ltd.( Tier I Bond
Finance 1.89% [ICRA]AA+ 6.50%
Ltd. under Basel III )
Atul Ltd. Chemicals 1.76% Bank of Baroda( AT1 Bond
Plans & Option CRISIL AA+ 4.52%
Alembic Pharmaceuticals Ltd. Pharmaceuticals 1.65% under Basel III )
Nestle India Ltd. Consumer Non Durables 1.49% Indian Oil Corporation Ltd. CRISIL AAA 1.65%
Plan A and Plan B (Direct) HDFC Bank Ltd. CRISIL AAA 1.30%
Mahindra & Mahindra Ltd. Auto 1.42%
A. Growth Option (default option in case no National Bank for Agriculture
Maruti Suzuki India Ltd. Auto 1.36% CRISIL AAA 1.23%
option specified by investor); and Rural Development
Solar Industries India Ltd. Chemicals 1.24% Muthoot Finance Ltd. CRISIL AA 0.95%
B. Dividend Option Crompton Greaves Consumer
Consumer Durables 1.21% Indian Railway Finance
1. Payout; Electricals Ltd. CRISIL AAA 0.65%
Corporation Ltd.
2. Reinvestment (default sub-option in case Alkem Laboratories Ltd. Pharmaceuticals 1.18% Dewan Housing Finance
CARE D 0.40%
no option specified by investor) Titan Company Ltd. Consumer Durables 1.16% Corporation Ltd.
Total 17.20%
C. Bonus Option$ Sanofi India Ltd. Pharmaceuticals 1.15%
Dabur India Ltd. Consumer Non Durables 1.11% TREPS / Reverse Repo Investments 1.23%
Ultratech Cement Ltd. Cement 1.10% Total 1.23%
SIP (Minimum) MindTree Ltd. Software 1.08% Cash & Cash Equivalents
Rallis India Ltd. Pesticides 1.06% Net Receivable/Payable 2.04%
` 500/month - 12 Installments Total 2.04%
Pidilite Industries Ltd. Chemicals 1.02%
` 1500/quarter - 4 Installments Larsen & Toubro Ltd. Construction Project 1.02% Grand Total 100.00%
HCL Technologies Ltd. Software 1.01%
Tata Power Company Ltd. Power 0.89% All corporate ratings are assigned by rating agencies like CRISIL;
AAUM & AUM Page Industries Ltd. Textile Products 0.67% CARE; ICRA; IND; BWR.
*Please refer to our website link for deviation in valuation of the
AAUM ` 432.73 Crs security:
https://www.barodamf.com/Downloads/pages/valuation-policy.aspx
AUM ` 426.90 Crs
Top 10 Industries
Risk Profile 31 August 2020 BANK

Sharpe@ (0.22) [ICRA]
Banks Software Consumer Finance Pharmaceuticals Auto CRISIL AAA CRISIL AA+
Beta 1.09 Petroleum Non AA+
16.81% 9.47% 7.69% 6.61% 4.94% 4.83% 4.52%
Products Durables 6.50%
Portfolio Turnover 9.74%
0.82 7.83%
(last 12 months)
Plan A `
Growth 54.94
Total Expense Ratio
Dividend 14.24
Plan A 2.48%
Plan B - Direct `
Growth 59.72
Dividend 16.44
Fund Managers#
• Capital appreciation along with stability over long term.
Mr. Sanjay Chawla &
• Investment predominantly in equity and equity related instru-

(Experience 29 Years) ments with balance exposure to money market instruments and
debt securities.
Mr. Dipak Acharya
&
Mr. Chawla is managing the Scheme along
#
with Mr. Acharya effective November 1, 2015
10
Baroda Dynamic Equity Fund
An open ended dynamic asset allocation fund
31 August, 2020 and is used under license
The primary objective of the Scheme is to generate capital appreciation by investing in a portfolio of equity or equity linked securities while the secondary
objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation.

November 14, 2018 % to % to
Ratings / Ratings /
Assets Assets
Benchmark
EQUITY & EQUITY RELATED Hindustan Petroleum Petroleum Products 0.38%
Listed / awaiting listing on the stock exchanges Corporation Ltd.
50% S&P BSE 200 Index and 50% CRISIL Hindalco Industries Ltd. Non - Ferrous Metals 0.35%
ICICI Bank Ltd. Banks 8.02%
Short Term Bond Fund Index
Reliance Industries Ltd. Petroleum Products 7.31% Total 66.76%
Total Return variant of the Benchmark Index
HDFC Bank Ltd. Banks 4.52% BONDS & NCDs
(TRI)
Infosys Ltd. Software 4.11% Listed / awaiting listing on the stock exchanges
Housing Development Finance Motilal Oswal Home Finance
Finance 2.80% [ICRA]A+ 1.71%
Minimum Investment Corporation Ltd. Ltd.
Bharti Airtel Ltd. Telecom - Services 2.67% HDFC Bank Ltd. CRISIL AAA 1.70%
` 5,000/- & in multiples of ` 1/- thereafter
Consumer Non Aditya Birla Housing Finance Ltd. [ICRA]AAA 1.33%
ITC Ltd. 2.26%
Durables
Larsen & Toubro Ltd. CRISIL AAA 1.12%
Load Structure Divi's Laboratories Ltd. Pharmaceuticals 2.15%
IndusInd Bank Ltd.( AT1 Bond
Axis Bank Ltd. Banks 2.13% CRISIL AA 0.69%
under Basel III )
Entry Load: NA Consumer Non National Bank for Agriculture
Hindustan Unilever Ltd. 2.10% CRISIL AAA 0.64%
Exit Load: If units are redeemed upto 10% Durables and Rural Development
SBI Cards & Payment Services Aditya Birla Finance Ltd. [ICRA]AAA 0.41%
of the units, on or before one year from the Ltd. Finance 2.04%
date of allotment : Nil Housing and Urban
City Union Bank Ltd. Banks 1.96% [ICRA]AAA 0.32%
Development Corporation Ltd.
If units are redeemed over and above the Escorts Ltd. Auto 1.83% Indian Railway Finance CRISIL AAA 0.31%
10% limit, on or before one year from the Corporation Ltd.
SBI Life Insurance Company Ltd. Finance 1.77% National Highways Authority
date of allotment : 1% of the applicable Net CRISIL AAA 0.29%
IPCA Laboratories Ltd. Pharmaceuticals 1.73% of India
Asset Value (NAV) Bank of Baroda( AT1 Bond
Tech Mahindra Ltd. Software 1.70% CRISIL AA+ 0.16%
under Basel III )
If units are redeemed after one year from the Crompton Greaves Consumer Consumer Durables 1.56% Total 8.68%
date of allotment: Nil Electricals Ltd.
Consumer Non CENTRAL GOVERNMENT SECURITIES
Britannia Industries Ltd. 1.42%
Durables 6.68% CGL 2031 Sovereign 1.17%
Plans & Option
Tata Power Company Ltd. Power 1.26% 7.17% CGL 2028 Sovereign 0.82%
Regular and Direct Consumer Non
Dabur India Ltd. 1.16% Total 1.99%
Durables
Atul Ltd. Chemicals 1.15% Certificate of Deposits
option specified by investor);
Cadila Healthcare Ltd. Pharmaceuticals 1.13% National Bank for Agriculture
B. Daily Dividend CRISIL A1+ 0.74%
and Rural Development
1. Payout; Mahindra & Mahindra Ltd. Auto 1.07% Total 0.74%
2. Reinvestment (default sub-option in case Maruti Suzuki India Ltd. Auto 1.05% Treasury Bills
no option specified by investor) Consumer Non
Jubilant Foodworks Ltd. 1.04% 182 DAY T-BILL 10.09.20 Sovereign 0.76%
Durables
Ultratech Cement Ltd. Cement 0.98% Total 0.76%
SIP (Minimum) Consumer Non TREPS / Reverse Repo Investments 12.37%
Asian Paints Ltd. 0.94%
` 500/month - 12 Installments Durables
Total 12.37%
Reliance Industries Ltd. Petroleum Products 0.91%
` 1500/quarter - 4 Installments Cash & Cash Equivalents
Housing Development Finance Finance 0.81%
Corporation Ltd. Net Receivable/Payable 8.70%
AAUM & AUM Alembic Pharmaceuticals Ltd. Pharmaceuticals 0.76% Total 8.70%
AAUM ` 657.87 Crs State Bank of India Banks 0.65% Grand Total 100.00%
MindTree Ltd. Software 0.53%
AUM ` 654.90 Crs
Solar Industries India Ltd. Chemicals 0.51%
All corporate ratings are assigned by rating agencies like CRISIL; CARE;
Risk Profile 31 August 2020 ICRA; IND; BWR.
Portfolio Turnover Top 10 Industries
2.07
(last 12 months)
BANK
Total Expense Ratio SOVEREIGN
Regular 2.44%
Banks Consumer Finance Software Pharmaceuticals CRISIL AAA Auto Sovereign Telecom
Direct 1.21% Non Petroleum
17.28% 7.42% 6.34% 5.77% 4.06% 3.95% 2.75% Services
Durables Products
8.60% 2.67%
8.92%
Fund Managers#
Mr. Sanjay Chawla Regular `
Growth 12.39
Dividend 12.39
Mr. Alok Sahoo
Direct `
Growth 12.73
Mr. Dipak Acharya@ Dividend 12.73
@
Effective December 14, 2018, Mr. Dipak Acharya This product is suitable for investors who are seeking*
manages the scheme along with Mr. Sanjay • Capital appreciation over medium to long term.
Chawla and Mr. Alok Sahoo. • Investment in equity and equity linked securities as well as debt
and money market instruments while managing risk through
active asset allocation.
#
11
Baroda Equity Savings Fund
An open-ended scheme investing in equity, arbitrage and debt instruments.
The primary objective of the Scheme is to generate capital appreciation and income by using arbitrage opportunities, investment in equity / equity
related instruments and debt/ money market instruments.

July 25, 2019 % to % to
Ratings / Ratings /
Benchmark Assets Assets
EQUITY & EQUITY RELATED Export-Import Bank of India CRISIL AAA 1.58%
40% NSE 50 Arbitrage index, 35% NIFTY Short Listed / awaiting listing on the stock exchanges Vedanta Ltd. CRISIL AA 1.51%
Duration Debt index and 25% NSE100 index Reliance Industries Ltd. Petroleum Products 7.59% HDFC Bank Ltd. CRISIL AAA 1.43%
Total Return variant of the Benchmark Index Infosys Ltd. Software 5.35% NHPC Ltd. IND AAA 0.85%
ICICI Bank Ltd. Banks 5.10% Hindustan Petroleum Corporation
(TRI) Hindustan Unilever Ltd. Consumer Non Durables 4.47% Ltd. CRISIL AAA 0.80%
Bharti Airtel Ltd. Telecom - Services 4.44% ICICI Bank Ltd.( Tier I Bond under [ICRA]AA+ 0.79%
Minimum Investment HDFC Bank Ltd. Banks 4.38% Basel III )
National Bank for Agriculture and CRISIL AAA 0.54%
Housing Development Finance Finance 4.36% Rural Development
Purchase: ` 5,000/- & in multiples of ` 1/- Corporation Ltd. Total 15.23%
thereafter Tata Consultancy Services Ltd. Software 3.27%
Margin Fixed Deposits
Additional Purchase : ` 1,000/- and in Axis Bank Ltd. Banks 2.38% 2.74% HDFC Bank Ltd. (Duration
Tata Steel Ltd. Ferrous Metals 2.12% 94 Days) 1.35%
multiples of ` 1/- thereafter. Dr. Reddy's Laboratories Ltd. Pharmaceuticals 1.98% 2.74% HDFC Bank Ltd. (Duration
95 Days) 1.35%
Re-purchase: No minimum amount Sun Pharmaceutical Industries Ltd. Pharmaceuticals 1.55% 2.74% HDFC Bank Ltd. (Duration 1.35%
Power Finance Corporation Ltd. Finance 1.33% 96 Days)
Torrent Pharmaceuticals Ltd. Pharmaceuticals 1.13% 4.99% HDFC Bank Ltd. (Duration 1.28%
Load Structure Bharat Petroleum Corporation Ltd. Petroleum Products 1.05% 174 Days)
4.49% HDFC Bank Ltd. (Duration 1.28%
Entry Load: NA ITC Ltd. Consumer Non Durables 1.05% 179 Days)
The Federal Bank Ltd. Banks 1.02% 4.49% HDFC Bank Ltd. (Duration 1.28%
Exit Load: If units are redeemed upto 10% JSW Steel Ltd. Ferrous Metals 0.99% 178 Days)
Britannia Industries Ltd. Consumer Non Durables 0.74% 4.24% HDFC Bank Ltd. (Duration 1.28%
of the units held, on or before one year from 179 Days)
the date of allotment : Nil Kotak Mahindra Bank Ltd. Banks 0.73% Total 9.17%
SBI Life Insurance Company Ltd. Finance 0.72% TREPS / Reverse Repo Investments 7.02%
• If units are redeemed over and above the Hero MotoCorp Ltd. Auto 0.72% Total 7.02%
10% limit, on or before one year from the Asian Paints Ltd. Consumer Non Durables 0.67% Cash & Cash Equivalents
Mahindra & Mahindra Ltd. Auto 0.65% Net Receivable/Payable 2.25%
date of allotment : 1% of the applicable Net Tech Mahindra Ltd. Software 0.63% Total 2.25%
Asset Value (NAV) Larsen & Toubro Ltd. Construction Project 0.58% Grand Total 100.00%
• If units are redeemed after one year from HDFC Life Insurance Company Ltd. Finance 0.57% DERIVATIVES / Stock Futures
HCL Technologies Ltd. Software 0.52% % to
the date of allotment: Nil State Bank of India Banks 0.49% Name of the Instrument Long / Short AUM
The above exit load shall be applicable Divi's Laboratories Ltd. Pharmaceuticals 0.48% Reliance Industries Ltd. 24-SEP-20 Short (5.06)
Dabur India Ltd. Consumer Non Durables 0.44% HDFC Ltd. 24-SEP-20 Short (3.56)
on a prospective basis to all subscription Titan Company Ltd. Consumer Durables 0.44% Hindustan Unilever Ltd. 24-SEP-20 Short (3.19)
transactions, excluding switch-ins. Escorts Ltd. Auto 0.39% Bharti Airtel Ltd. 24-SEP-20 Short (3.16)
Grasim Industries Ltd. Cement 0.36% ICICI Bank Ltd. 24-SEP-20 Short (3.10)
The above exit load structure is effective Infosys Ltd. 24-SEP-20 Short (3.09)
Ultratech Cement Ltd. Cement 0.36%
September 05, 2019. Alembic Pharmaceuticals Ltd. Pharmaceuticals 0.35% Tata Consultancy Services Ltd. Short (2.64)
SBI Cards & Payment Services Ltd. Finance 0.34% Tata Steel Ltd. 24-SEP-20 Short (2.13)
Mphasis Ltd. Software 0.31% Axis Bank Ltd. 24-SEP-20 Short (2.11)
Plans & Option Hindalco Industries Ltd. Non - Ferrous Metals 0.29% HDFC Bank Ltd. 24-SEP-20 Short (1.75)
Regular and Direct IPCA Laboratories Ltd. Pharmaceuticals 0.29% Sun Pharmaceutical Industries Ltd. Short (1.55)
Bajaj Finance Ltd. Finance 0.28% Dr. Reddy's Laboratories Ltd. Short (1.45)
A. Growth Option (default option in case no Crompton Greaves Consumer Power Finance Corporation Ltd. Short (1.34)
Electricals Ltd. Consumer Durables 0.26%
option specified by investor); Torrent Pharmaceuticals Ltd. Short (1.13)
Maruti Suzuki India Ltd. Auto 0.26% Bharat Petroleum Corporation Ltd. Short (1.06)
B. Dividend Option Shree Cement Ltd. Cement 0.26% The Federal Bank Ltd. 24-SEP-20 Short (1.03)
• Pay-out Sun TV Network Ltd. Media & Entertainment 0.23% JSW Steel Ltd. 24-SEP-20 Short (1.00)
• Reinvestment (default sub-option in case no Indraprastha Gas Ltd. Gas 0.22% Hero MotoCorp Ltd. 24-SEP-20 Short (0.72)
sub-option specified by investor) ICICI Lombard General Insurance Finance 0.19%
Company Ltd. HDFC Life Insurance Company Ltd. Short (0.57)
Total 66.33% Asian Paints Ltd. 24-SEP-20 Short (0.37)
Grasim Industries Ltd. 24-SEP-20 Short (0.36)
SIP (Minimum) BONDS & NCDs
Dabur India Ltd. 24-SEP-20 Short (0.03)
Listed / awaiting listing on the stock exchanges
` 500/month - 12 Installments Reliance Industries Ltd. CRISIL AAA 3.34%
Bank of Baroda( AT1 Bond under All corporate ratings are assigned by rating agencies like CRISIL; CARE;
` 1500/quarter - 4 Installments Basel III ) CARE AA 2.59%
ICRA; IND; BWR.
Indian Oil Corporation Ltd. CRISIL AAA 1.80% **Thinly traded / Non traded securities and illiquid securities as
defined in SEBI Regulations and Guidelines.
AAUM & AUM
AAUM ` 408.84 Crs Top 10 Industries
AUM ` 389.38 Crs BANK

Portfolio Turnover Consumer Telecom -
6.22 Banks Software CRISIL AAA Unrated Petroleum Finance Pharmaceuticals Services Ferrous
(last 12 months) 14.10% 9.17% Non Metals
10.08% 9.49% Products 7.79% 5.78% 4.44%
Durables 3.11%
8.64% 7.37%
Total Expense Ratio
Regular 2.48%
Regular `
Direct 1.45%
Growth 11.07
Dividend 11.07
Fund Managers#
Direct `
Mr. Dipak Acharya Growth 11.20
(Experience 15 Years) Dividend 11.20
Mr. Pratish Krishnan This product is suitable for investors who are seeking*
(Experience 15 Years) • Long term capital appreciation and income generation.
• Investment in equity and equity related securities, arbitrage
Mr. Alok Sahoo opportunities, and debt and money market instuments.

#
12
Baroda Conservative Hybrid Fund
An open ended hybrid scheme investing pre-dominantly
in debt instruments. 31 August, 2020
To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by
investing a portion in equity and equity related instruments.
Date of Inception Portfolio Ratings

Ratings / % to Net
September 08, 2004 Name of Instruments
Industries Assets Sovereign 64.12%
EQUITY & EQUITY RELATED CRISIL AA 3.95%
Benchmark Listed / awaiting listing on the stock exchanges Consumer Non Durables 3.65%
ICICI Bank Ltd. Banks 1.53%
Reliance Industries Ltd. Petroleum Products 1.46% Banks 2.63%
CRISIL Hybrid 85+15 - Conservative Index Consumer Non
Hindustan Unilever Ltd. Durables 1.03% Finance 2.40%
(effective February 1, 2018)
Bharti Airtel Ltd. Telecom - Services 1.00% Petroleum Products 2.27%
ITC Ltd. Consumer Non 0.97%
Durables Pharmaceuticals 1.79%
Minimum Investment Housing Development Finance Finance 0.89% Telecom - Services 1.00%
Corporation Ltd.
SBI Life Insurance Company Ltd. Finance 0.64% Healthcare Services 0.89%
` 5,000/- & in multiples of ` 1/- thereafter SBI Cards & Payment Services Ltd. Finance 0.63%
Reliance Industries Ltd. Petroleum Products 0.58% Software 0.87%
Britannia Industries Ltd. Consumer Non 0.58%
Durables Auto 0.61%
Load Structure Metropolis Healthcare Ltd. Healthcare Services 0.57% Cement 0.61%
Dabur India Ltd. Consumer Non 0.55%
Durables Power 0.46%
Entry Load: NA Tata Power Company Ltd. Power 0.46%
Consumer Durables 0.42%
Exit Load: NIL Tech Mahindra Ltd. Software 0.43%
Alkem Laboratories Ltd. Pharmaceuticals 0.42% Gas 0.38%
Crompton Greaves Consumer Consumer Durables 0.42%
Electricals Ltd. Textile Products 0.37%
Shree Cement Ltd. Cement 0.39%
Plans & Option Gujarat Gas Ltd. Gas 0.38%
Non - Ferrous Metals 0.18%
Page Industries Ltd. Textile Products 0.37% Cash & Cash Equivalents 13.40%
Plan A and Plan B (Direct) City Union Bank Ltd. Banks 0.37%
A. Growth Option (default option in case no Escorts Ltd. Auto 0.34%
option specified by investor); State Bank of India Banks 0.33%
Sanofi India Ltd. Pharmaceuticals 0.32%
B. Monthly Dividend (default) Apollo Hospitals Enterprise Ltd. Healthcare Services 0.32%
1. Payout Radico Khaitan Ltd. Consumer Non 0.31%
2. Re-investment (default sub-option in case Durables Instruments
Divi's Laboratories Ltd. Pharmaceuticals 0.30%
no option specified by investor) Natco Pharma Ltd. Pharmaceuticals 0.29%
3.67% Central Government
C. Quarterly Dividend Axis Bank Ltd. Banks 0.29% 3.95%
Maruti Suzuki India Ltd. Auto 0.27%
Securities
1. Payout
IPCA Laboratories Ltd. Pharmaceuticals 0.26% 9.73%
2. Reinvestment (default sub-option in case ICICI Lombard General Insurance Finance EQUITY & EQUITY
no option specified by investor) Company Ltd. 0.24% RELATED
D. Bonus Option$ Hindustan Petroleum Corporation Petroleum Products 0.23%
Ltd. TREPS / Reverse Repo
MindTree Ltd. Software 0.22%
Tata Consultancy Services Ltd. Software 0.22% Investments
18.53%
Dalmia Bharat Ltd. Cement 0.22%
Consumer Non BONDS & NCDs
SIP (Minimum) United Spirits Ltd. Durables 0.21%
Sun Pharmaceutical Industries Ltd. Pharmaceuticals 0.20%
` 500/month - 12 Installments Hindalco Industries Ltd. Non - Ferrous Metals 0.18% Cash & Cash
` 1500/quarter - 4 Installments The Federal Bank Ltd. Banks 0.11% 64.12% Equivalents
Total 18.53%
BONDS & NCDs
Muthoot Finance Ltd. CRISIL AA 3.95%
AAUM & AUM Total 3.95%
CENTRAL GOVERNMENT SECURITIES
AAUM ` 25.84 Crs 6.45% CGL 2029 Sovereign 50.33%
7.17% CGL 2028 Sovereign 5.33%
AUM ` 25.63 Crs 7.59% CGL 2026 Sovereign 4.20%
Total 64.12%
Portfolio Characteristic TREPS / Reverse Repo Investments 9.73%
Total 9.73%
Average Maturity (Days) 2488 Cash & Cash Equivalents
Modified Duration (Years) 5.04 Net Receivable/Payable 3.67%
Total 3.67%
Portfolio Yield (%) 5.83 Grand Total 100.00%
All corporate ratings are assigned by rating agencies like CRISIL;

CARE; ICRA; IND; BWR.
Total Expense Ratio
Plan A 2.10% Riskometer NAV as on 31 August 2020
Plan A `
Growth 27.4412
Dividend - Monthly 14.3851
Fund Manager# Dividend - Quarterly 14.0323
Plan B - Direct `
Ms. Hetal Shah
Growth 29.2720
This product is suitable for investors who are seeking* Dividend - Quarterly 14.1056
• Regular Income and capital appreciation over medium term
with providing liquidity.
• Investment in debt and money market instruments and in equity
and equity related instruments.
* Investors should consult their financial advisers if in
doubt about whether the product is suitable for them.
$
#
13
Baroda Credit Risk Fund (scheme has one segregated portfolio)
An open ended debt scheme predominantly investing in AA and below rated
corporate bonds. The Bank of Baroda logo belongs to Bank of Baroda
(Excluding AA+ rated corporate bonds) 31 August, 2020 and is used under license
Investment Objective The primary objective of the Scheme is to generate returns by investing in debt and money market instruments across the credit spectrum. There is
no assurance or guarantee that the investment objective of the Scheme will be realized.

January 23, 2015 Ratings / % to Net
Name of Instruments
Industries Assets CRISIL AA 27.39%
Benchmark CENTRAL GOVERNMENT SECURITIES [ICRA]A+ 18.10%
CRISIL Short Term Credit Risk Index
Total 0.22% CRISIL A1+ 13.97%
(Effective October 29, 2019) BONDS & NCDs
Listed / awaiting listing on the stock exchanges [ICRA]AA 9.02%
Minimum Investment IndusInd Bank Ltd.( AT1 Bond
CRISIL AA 14.94% CRISIL AAA 6.78%
` 5,000/- & in multiples of ` 1/- thereafter under Basel III )
Motilal Oswal Home Finance
[ICRA]A+ 14.36% CARE AA 6.36%
Ltd.
Load Structure Vedanta Ltd. CRISIL AA 10.61%
IND AA 6.31%
Entry Load: NA Piramal Enterprises Ltd. [ICRA]AA 9.02%
Indiabulls Housing Finance Ltd. CARE AA 6.36% CARE D 1.41%
Exit Load: If units are redeemed upto 10% Tata Power Company Ltd. IND AA 6.31%
of the units, on or before one year from the Indian Railway Finance BWR AA 0.61%
date of allotment : Nil CRISIL AAA 4.43%
Corporation Ltd.
Edelweiss Housing Finance Ltd. [ICRA]A+ 3.74% Sovereign 0.22%
If units are redeemed over and above the
National Bank for Agriculture
10% limit, on or before one year from the CRISIL AAA 2.35%
and Rural Development Cash & Cash Equivalents 9.83%
date of allotment : 1% of the applicable Net Bharti Airtel Ltd. CRISIL AA 1.84%
Asset Value (NAV) *Dewan Housing Finance
CARE D 1.41%
Corporation Ltd.
If units are redeemed after one year from the Tata Steel Ltd. BWR AA 0.61%
date of allotment: Nil Total 75.98%
MONEY MARKET INSTRUMENT
Plans & Option Commercial Paper**
Plan A and Plan B (Direct) Reliance Industries Ltd. CRISIL A1+ 7.00%
Total 7.00%
Certificate of Deposit**
option specified by investor); Instruments
NABARD CRISIL A1+ 6.97%
B. Monthly Dividend Total 6.97%
1. Payout 2.70% 0.22% BONDS & NCDs
TREPS 7.13%
2. Re-investment (default sub-option in case 6.97%
Total 7.13% TREPS / Reverse Repo
no option specified by investor) Cash & Cash Equivalents 7.00% Investments
C. Quarterly Dividend Net Receivable/Payable 2.70% Commercial Paper
1. Payout Total 2.70% 7.13%
2. Reinvestment (default sub-option in case Grand Total 100.00% Certificate of Deposits
no option specified by investor) Note: Pursuant to downgrade of securities issued by Yes Bank Ltd
D. Bonus Option$ to below investment grade on 06 Mar, 2020, the AMC has created
the segregated portfolios in the scheme post the approval of trustees, Cash & Cash
effective March 06, 2020. Equivalents
SIP (Minimum) *Please refer to our website link for deviation in valuation of the
security: Central Government
` 500/month - 12 Installments https://www.barodamf.com/Downloads/pages/valuation-policy.aspx
75.98% Securities
` 1500/quarter - 4 Installments Segregated portfolio1
AAUM & AUM BONDS & NCDs
AAUM ` 287.52 Crs Yes Bank Ltd.N**B***$& [ICRA]D 0.00%
Total 0.00%
AUM ` 274.47 Crs
All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.
SEGREGATED AAUM & AUM N** -> Non Traded Securities ; B** -> Below Investment Grade Security
$
Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”:
AAUM ` 0.000 Crs &
The perpetual bonds of Yes Bank having market value of Rs 11,87,47,500 and interest accumulated Rs 86,06,557.38 as of 6th
AUM ` 0.000 Crs March2020 were downgraded to D.
**Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines.
Portfolio Characteristic Impact of NAV
Average Maturity (Days) 600 NAV Per unit (Regular Plan - Growth Option)
Modified Duration (Years) 1.26 Date Main Portfolio Segregated Portfolio
05/03/2020 14.5034 NA
Portfolio Yield (%) 10.59
06/03/2020 14.1784 0.00
Total Expense Ratio Reduction in NAV (%) -2.24%
Plan A 1.83% Riskometer NAV as on 31 August 2020

Plan B (Direct) 1.11% Plan A `
Growth 14.0265
Segregated Total Expense Ratio Dividend - Monthly 9.7596
Plan A NA Dividend - Quarterly 9.9520
Plan B - Direct `
Plan B (Direct) NA Growth 14.8740
Fund Managers #
Dividend - Quarterly 10.5531
Mr. Alok Sahoo Segregated NAV as on 31 August 2020
(Experience 18 Years) Plan A `
Growth 0.0000
• Income over medium term.
Dividend 0.0000
Mr. Karn Kumar& • Investment in a mix of debt and money market instruments
across the credit and maturity spectrum. Plan B - Direct `
(Experience 15 Years) * Investors should consult their financial advisers if in doubt Growth 0.0000
about whether the product is suitable for them. Dividend 0.0000
&
Mr. Karn Kumar is managing the Scheme
along with Mr. Alok Sahoo effective July 24,
$
2017
#
14
Baroda Gilt Fund
An open ended debt scheme investing in government securities across maturity.
To generate income by investing in a portfolio of Government securities.

Ratings / % to Net
March 21, 2002 Name of Instruments
Industries Assets
Benchmark CENTRAL GOVERNMENT SECURITIES
I SEC-MI BEX 7.26% CGL 2029 Sovereign 17.86%

Sovereign 91.11%
8.24% CGL 2027 Sovereign 11.96%
Minimum Investment
` 5,000/- & in multiples of ` 1/- thereafter 6.68% CGL 2031 Sovereign 11.70%
7.59% CGL 2029 Sovereign 10.20%
Load Structure 8.28% CGL 2027 Sovereign 9.01%

Entry Load: NA 6.79% CGL 2027 Sovereign 3.49%
Exit Load: 0.25%, if redeemed on or before Cash & Cash Equivalents 8.89%
1 month (30 days) from the date of allotment
of units. 7.59% CGL 2026 Sovereign 1.82%
Nil, if redeemed after 1 month (30 days) from
the date of allotment of units. 7.88% CGL 2030 Sovereign 0.22%
Total 69.68%
Plans & Option STATE GOVERNMENT SECURITIES
Plan A and Plan B (Direct) 8.11% State Government Instruments

Sovereign 12.02%
of Chhattisgarh 2028
9.39% State Government 2.03%
option specified by investor); Sovereign 9.41% 6.86% Central Government
B. Dividend of Karnataka 2023 Securities
1. Payout Total 21.43%
2. Re-investment (default sub-option in case State Government
no option specified by investor) 21.43% Securities
C. Bonus Option$
TREPS / Reverse Repo
Total 6.86%
Investments
Cash & Cash
SIP (Minimum)
Net Receivable/Payable 2.03% Equivalents
69.68%
` 1500/quarter - 4 Installments Total 2.03%
Grand Total 100.00%
AAUM & AUM

AUM ` 29.71 Crs Plan A `
Growth 32.4390
Dividend 22.7946
Plan B- Direct `
Portfolio Characteristic
Growth 34.6730
Average Maturity (Days) 2527
Dividend 29.8078
Modified Duration (Years) 5.12

• Credit risk free regular Income over long term.
Total Expense Ratio • Investment only in Government (both Central and State
Plan A 1.84% Government) Securities.
Plan B (Direct) 1.06% about whether the product is suitable for them.
$
Fund Manager # #
Ms. Hetal Shah

15
Baroda Dynamic Bond Fund+
An open-ended dynamic debt scheme investing across duration.
Effective January 14, 2019, Baroda Income Fund was merged with Baroda Dynamic Bond Fund and Baroda Income Fund has ceased to exist.
+
The investment objective of the scheme is to generate returns with liquidity by managing the portfolio dynamically through interest rate cycles.

June 30, 2012 Ratings / % to Net
Name of Instruments
Industries Assets
CENTRAL GOVERNMENT SECURITIES
Benchmark Sovereign 80.45%
6.79% CGL 2027 Sovereign 19.29%
CRISIL Composite Bond Fund Index
6.68% CGL 2031 Sovereign 16.65%
8.28% CGL 2027 Sovereign 12.98%

Minimum Investment
7.59% CGL 2026 Sovereign 12.56% CARE D 1.77%
` 5,000/- & in multiples of ` 1/- thereafter
Load Structure Total 70.04%
Entry Load: NA STATE GOVERNMENT SECURITIES

Cash & Cash Equivalents 17.78%
Exit Load: 3%, if redeemed within 3 months 9.35% State Government
Sovereign 3.93%
from the date of allotment of units; of Maharashtra 2024
2%, if redeemed between 3 months 1 day to 8.58% State Government
Sovereign 3.56%
6 months from the date of allotment of units; of Gujarat 2023
9.39% State Government
1%, if redeemed between 6 months 1 day Sovereign 2.25%
of Karnataka 2023
to 1 year from the date of allotment of units;
8.60% State Government
Nil, if redeemed after 1 year from the date of Sovereign 0.67%
of Kerala 2023
allotment of units. Instruments
Total 10.41%
1.77% -1.21%
BONDS & NCDs 10.41% Central Government
Plans & Option Securities
Plan A and Plan B (Direct) Listed / awaiting listing on the stock exchanges
A. Growth Option (default option in case no Dewan Housing Finance Investments
CARE D 1.77% 18.99%
option specified by investor); Corporation Ltd.
State Government
B. Dividend Total 1.77% Securities
1. Payout
2. Re-investment (default sub-option in case TREPS / Reverse Repo Investments 18.99% BONDS & NCDs
no option specified by investor)
Total 18.99%
C. Bonus Option$ Cash & Cash
70.04% Equivalents

SIP (Minimum)
Total -1.21%
` 1500/quarter - 4 Installments Grand Total 100.00%
*Please refer to our website link for deviation in valuation of the
AAUM & AUM security:
AAUM ` 21.69 Crs https://www.barodamf.com/Downloads/pages/valuation-policy.aspx
AUM ` 21.48 Crs Riskometer NAV as on 31 August 2020

Plan A `
Growth 17.3500
Dividend 13.0287
Plan B - Direct `
Growth 18.2951
Dividend 13.8935
Total Expense Ratio

Plan A 1.51% This product is suitable for investors who are seeking*
Plan B (Direct) 1.19% • Regular Income over medium term with providing liquidity.
• Investment in medium to long term corporate bonds and / or
government securities and manage the portfolio dynamically
through different interest rate cycles.
Fund Managers# * Investors should consult their financial advisers if in doubt
Mr. Alok Sahoo $
(Experience 18 Years) #
Ms. Hetal Shah

16
Baroda Short Term Bond Fund
An open-ended short term debt scheme investing in instruments such that the
Macaulay duration of the portfolio is between 1 year
and 3 years (please refer to pg 38 of SID). 31 August, 2020
The objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Name of Instruments
Industries Assets CRISIL AAA 34.19%
BONDS & NCDs
Benchmark Listed / awaiting listing on the stock exchanges CRISIL A1+ 16.84%
Housing Development Finance
CRISIL Short Term Bond Fund Index CRISIL AAA 9.16%
Corporation Ltd. CRISIL AA 8.63%
Power Finance Corporation Ltd. CRISIL AAA 5.43%
Export-Import Bank of India CRISIL AAA 5.15% Sovereign 6.45%
Minimum Investment Hindustan Petroleum Corporation CRISIL AAA 4.68%
Ltd.
` 5,000/- & in multiples of ` 1/- thereafter NHPC Ltd. IND AAA 4.39% IND AAA 4.39%
National Bank for Agriculture and CRISIL AAA 4.18%
Rural Development BWR AA 4.03%
Load Structure Tata Steel Ltd. BWR AA 4.03%
IndusInd Bank Ltd.( AT1 Bond CARE AAA 2.79%
Entry Load: NA CRISIL AA 3.87%
under Basel III )
Exit Load: 0.25%, if redeemed on or before Indian Railway Finance CRISIL AAA 3.10% [ICRA]AAA 1.62%
Corporation Ltd.
15 days from the date of allotment of units.
Small Industries Development CARE AAA 2.79% [ICRA]AA 1.58%
Nil, if redeemed after 15 days from the date Bank of India
of allotment of units. Muthoot Finance Ltd. CRISIL AA 2.44%
Vedanta Ltd. CRISIL AA 2.32% Cash & Cash Equivalents 19.48%
Larsen & Toubro Ltd. CRISIL AAA 1.93%
Aditya Birla Finance Ltd. [ICRA]AAA 1.62%
Plans & Option India Infoline Finance Ltd. [ICRA]AA 1.58%
Reliance Industries Ltd. CRISIL AAA 0.56%
Plan A and Plan B (Direct)
Reliance Industries Ltd. CRISIL AAA 0.56%
A. Growth Option (default option in case no Total 57.23%
option specified by investor); Central Government Securities
B. Monthly Dividend^ 5.79% CGL 2030 Sovereign 6.45%
1. Payout Total 6.45% Instruments
2. Re-investment (default sub-option in case MONEY MARKET INSTRUMENT
no option specified by investor) Commercial Paper** 2.54% 2.51% BONDS & NCDs
C. Quarterly Dividend^ NTPC Ltd. CRISIL A1+ 6.58% 6.45%
1. Payout Reliance Industries Ltd. CRISIL A1+ 5.11%
Investments
2. Re-investment (default sub-option in case Motilal Oswal Financial Services CRISIL A1+ 2.61%
no option specified by investor) Ltd. 14.30% Commercial Paper
Total 14.30%
Central Government Securities
National Bank for Agriculture and CRISIL A1+ Certificate of Deposits
2.54%
SIP (Minimum) Rural Development
16.97% Cash & Cash
Total 2.54%
` 500/month - 12 Installments Equivalents
TREPS / Reverse Repo Investments 16.97% 57.23%
` 1500/quarter - 4 Installments Total 16.97%
AAUM & AUM Total 2.51%
Grand Total 100.00%
AAUM ` 363.32 Crs
AUM ` 377.92 Crs CARE; ICRA; IND; BWR.
**Thinly traded / Non traded securities and illiquid securities as
defined in SEBI Regulations and Guidelines.
Macaulay duration (Years) 1.73
Plan A `
Total Expense Ratio Growth 22.2520
Plan A 1.35% Dividend 10.1044
Plan B (Direct) 0.61% Dividend - Quarterly 10.8075
Plan B - Direct `
Growth 23.3571
Fund Managers#
Dividend 10.1056
Mr. Alok Sahoo Dividend - Quarterly 11.0198

• Regular Income over short term.
• Investment predominantly in Money Market Instruments (i.e. CP/
Ms. Hetal Shah CD) and Short Term Debt Market Instruments.
^
The Dividend Option has been renamed as Monthly Dividend Option and a Quarterly Dividend Option has been introduced effective
December 23, 2016.
#
17
Baroda Treasury Advantage Fund (scheme has one segregated portfolio)
An open-ended low duration debt scheme investing in instruments such that the Macaulay duration of the
portfolio is between 6 months and 12 months (please refer to pg 40
of SID). 31 August, 2020 and is used under license
The main objective of the scheme is to provide optimal returns and liquidity through a portfolio comprising of debt securities and money market
instruments.

Name of Instruments
Industries Assets [ICRA]AA 22.68%
Benchmark
BONDS & NCDs
CRISIL Low Duration Debt Index
(Effective October 29, 2019)
India Infoline Finance Ltd. [ICRA]AA 22.68% CARE AA 11.09%
Minimum Investment Indiabulls Housing Finance
` 5,000/- & in multiples of ` 1/- thereafter CARE AA 11.09%
Ltd.
NHPC Ltd. IND AAA 5.60% IND AAA 5.60%
Load Structure IndusInd Bank Ltd.( AT1
CRISIL AA 2.28%
Entry Load: NA Bond under Basel III )
Dewan Housing Finance CRISIL AA 2.28%
Exit Load: 3%, if redeemed within 3 months CARE D 1.08%
Corporation Ltd.
from the date of allotment of units;
Total 42.73%
2%, if redeemed between 3 months 1 day to
TREPS / Reverse Repo Investments 52.35% CARE D 1.08%
6 months from the date of allotment of units;
1%, if redeemed between 6 months 1 day Total 52.35%
to 1 year from the date of allotment of units; Cash & Cash Equivalents
Nil, if redeemed after 1 year from the date of Net Receivable/Payable 4.92%
allotment of units.
Total 4.92%
Plans & Option Grand Total 100.00%
Instruments
Plan A and Plan B (Direct) Note: Pursuant to downgrade of securities issued by Yes Bank Ltd
to below investment grade on 06 Mar, 2020, the AMC has created 4.92%
A. Growth Option (default option in case no the segregated portfolios in the scheme post the approval of trustees, 52.35%
option specified by investor); effective March 06, 2020. Investments
@
B. Daily Dividend Please refer to our website link for deviation in valuation of the
security:
1. Re-investment https://www.barodamf.com/Downloads/pages/valuation-policy.aspx
C. Weekly Dividend BONDS & NCDs
1. Re-investment
Segregated portfolio1
42.73%
D. Monthly Dividend BONDS & NCDs
1. Payout Listed / awaiting listing on the stock exchanges
2. Re-investment (default sub option in case Yes Bank Ltd.N**B***$& [ICRA]D 0.00% Cash & Cash
no option specified by investor) Equivalents
E. Quarterly Dividend Total 0.00%
1. Payout DHFL ( ISIN INE202B071K1) has defaulted in repaying the maturity proceeds in Baroda Treasury Advantage Fund on 9th September
2. Re-investment (default sub option in case 2019. The marked down value of the instrument as on that date in the books was Rs.11.25 crores.
no option specified by investor) All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR.
F. Bonus Option$ N** -> Non Traded Securities ; B** -> Below Investment Grade Security
$
Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”:
SIP (Minimum)
&
The perpetual bonds of Yes Bank having market value of Rs 15,91,21,650 and interest accumulated Rs 1,15,32,786.89 as of 6th
March2020 were downgraded to D.
` 1500/quarter - 4 Installments Impact of NAV
AAUM & AUM NAV Per unit (Regular Plan - Growth Option)
AAUM ` 40.67 Crs Date Main Portfolio Segregated Portfolio
05/03/2020 1564.3040 NA
AUM ` 39.61 Crs 06/03/2020 1222.9117 0.00
Reduction in NAV (%) -21.82%
SEGREGATED AAUM & AUM
Regular `
AUM ` 0.000 Crs
Growth 1428.4498
Dividend - Daily 677.8668
Dividend - Weekly 672.9096
Average Maturity (Days) 256 Dividend - Monthly 674.1506
Modified Duration (Years) 0.46 Plan A `
Growth 1464.7468
Portfolio Yield (%) 7.07 Dividend - Daily 694.1111
Macaulay duration (Months) 6.10 Dividend - Weekly 673.4851
Total Expense Ratio Dividend - Quarterly 695.7443
Plan B - Direct `
Plan A 0.90% This product is suitable for investors who are seeking* Growth 1500.2534
Plan B (Direct) 0.69% • Regular income over short term with maintaining a balance Dividend - Daily 682.0683
between returns and liquidity. Dividend - Weekly 676.1087
Segregated Total Expense Ratio • Investment predominantly in Money Market (i.e. CP/CDs) and Dividend - Monthly 676.8337
Debt Market Instruments. Dividend - Quarterly 706.2647
Plan A NA
* Investors should consult their financial advisers if in doubt Segregated
SegregatedNAV
NAVasasonon3131August
July 2020
5 2020
Plan B (Direct) NA about whether the product is suitable for them. Plan A `
Growth 0.0000
Fund Managers#
Dividend 0.0000
Plan B - Direct `
Mr. Alok Sahoo
Growth 0.0000
(Experience 18 Years) Dividend 0.0000
$
The Bonus Option in the Schemes has been discontinued effective June 08, 2015 Effective November 01, 2012, dividends declared under the Regular Plan
Ms. Hetal Shah (which has been discontinued from October 01, 2012) will be reinvested in Baroda Treasury Advantage Fund (earlier called Institutional Plan)
#
18
Baroda Ultra Short Duration Fund
(An open ended ultra short term debt scheme investing in instruments such that the Macaulay
duration of the portfolio is between 3 months and 6 months)
(please refer to pg 36 of SID) 31 August, 2020 and is used under license
Investment Objective The primary objective of the Scheme is to generate regular income by investing in a portfolio of debt and money market instruments such that the Macaulay
duration of the portfolio is between 3 months – 6 months (please refer to page no.36 of SID).
However, there can be no assurance that the investment objective of the Scheme will be realized.

Name of Instruments
Industries Assets
MONEY MARKET INSTRUMENT CRISIL A1+ 32.07%
Benchmark Commercial Paper**
NTPC Ltd. CRISIL A1+ 8.33%
CRISIL Ultra Short Fund Index Motilal Oswal Financial
CRISIL A1+ 4.13% Sovereign 24.97%
Services Ltd.
Reliance Industries Ltd. CRISIL A1+ 4.04%
Minimum Investment ICICI Securities Ltd. CRISIL A1+ 3.33%
` 5,000/- & in multiples of ` 1/- thereafter Muthoot Finance Ltd. CRISIL A1+ 2.08% CRISIL AAA 20.15%
Total 21.91%
Load Structure National Bank for
Agriculture and Rural CRISIL A1+ 6.03% [ICRA]A1+ 4.16%
Entry Load: NA Development
Exit Load: NIL ICICI Bank Ltd. [ICRA]A1+ 4.16%
IndusInd Bank Ltd. CRISIL A1+ 4.13%
Total 14.32% Cash & Cash Equivalents 18.65%
BONDS & NCDs
Plans & Option Listed / awaiting listing on the stock exchanges
Regular and Direct Housing Development
CRISIL AAA 6.83%
A. Growth Option (default option in case no Export-Import Bank of India CRISIL AAA 4.28%
option specified by investor); Indian Oil Corporation Ltd. CRISIL AAA 2.51%
B. Daily Dividend National Bank for
1. Re-investment Agriculture and Rural CRISIL AAA 2.20%
C. Weekly Dividend Development
1. Re-investment Hindustan Petroleum Instruments
CRISIL AAA 2.18%
Corporation Ltd.
Power Finance Corporation 1.44% Treasury Bills
CRISIL AAA 2.15%
Ltd. 14.32%
Commercial Paper
Total 20.15% 24.97%
SIP (Minimum) Treasury Bills BONDS & NCDs

91 DAY T-BILL 10.09.20 Sovereign 10.41%
` 500/month - 12 Installments 91 DAY T-BILL 17.09.20 Sovereign 10.40% 17.21% TREPS / Reverse Repo
Investments
` 1500/quarter - 4 Installments 182 DAY T-BILL 10.09.20 Sovereign 4.16%
Certificate of Deposits
Total 24.97%
21.91% Cash & Cash
Equivalents
AAUM & AUM Total 17.21% 20.15%
AAUM ` 243.70 Crs
AUM ` 231.32 Crs Total 1.44%
Grand Total 100.00%
Portfolio Characteristic All corporate ratings are assigned by rating agencies like CRISIL;
Average Maturity (Days) 142 **Thinly traded / Non traded securities and illiquid securities as
Modified Duration (Years) 0.36 defined in SEBI Regulations and Guidelines.
Portfolio Yield (%) 3.62 Riskometer NAV as on 31 August 2020

Macaulay duration (Months) 4.58 Regular `
Growth 1170.3370
Total Expense Ratio Dividend - Weekly 1001.8742
Regular 0.43% Direct `
Direct 0.25% Growth 1175.2627
Fund Managers# • Reasonable returns with convenience of liquidity over
ultra-short Term.
• Investments in a basket of debt and money market in
Mr. Alok Sahoo instruments such that the Macaulay duration of the portfolio
(Experience 18 Years) is between 3 months and 6 months.
Ms. Hetal Shah
#
19
Baroda Liquid Fund
An open ended liquid scheme
To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

February 5, 2009 Ratings / % to Net
Name of Instruments
Industries Assets
BONDS & NCDs CRISIL A1+ 52.43%
Benchmark Listed / awaiting listing on the stock exchanges
CRISIL Liquid Fund Index Housing Development
CRISIL AAA 3.63%
Reliance Industries Ltd. CRISIL AAA 0.35% Sovereign 25.97%
Minimum Investment Total 3.98%
` 5,000/- & in multiples of ` 1/- thereafter MONEY MARKET INSTRUMENT
Commercial Paper**
CRISIL AAA 3.98%
NTPC Ltd. CRISIL A1+ 10.25%
Load Structure Export-Import Bank of India CRISIL A1+ 5.77%
Entry Load: NA Reliance Industries Ltd. CRISIL A1+ 5.76%
SBI Cards & Payment Services [ICRA]A1+ 3.32%
Exit Load: (Effective October 20, 2019) CRISIL A1+ 4.33%
Ltd.
Investor exit upon Exit load as % of Muthoot Finance Ltd. CRISIL A1+ 4.12%
subscription Redemption proceeds
Day 1 0.0070%
ICICI Securities Ltd. CRISIL A1+ 3.39%
Day 2 0.0065% Reliance Jio Infocomm Ltd. CRISIL A1+ 2.89% Cash & Cash Equivalents 14.30%
Day 3 0.0060% Tata Capital Housing Finance
CRISIL A1+ 2.87%
Ltd.
Day 4 0.0055% Motilal Oswal Financial
Day 5 0.0050% CRISIL A1+ 2.29%
Services Ltd.
Day 6 0.0045% Manappuram Finance Ltd. CRISIL A1+ 1.44%
Day 7 onwards 0.0000% Total 43.11%
The above load shall be applicable for all fresh
investments (including ongoing SIP/STP/SWP instalments
falling on or after the effective date) and Dividend Oriental Bank of Commerce CRISIL A1+ 6.50% Instruments
Transfer Plan if the transfer is from BLF on or after the Union Bank of India [ICRA]A1+ 2.89%
effective date.
IndusInd Bank Ltd. CRISIL A1+ 2.82% 3.98% 0.23% Commercial Paper
ICICI Bank Ltd. [ICRA]A1+ 0.43% 12.64% 43.11%
Plans & Option Treasury Bills
Total 12.64%
Plan A and Plan B (Direct) Treasury Bills TREPS / Reverse Repo
A. Growth Option (default option in case no 91 DAY T-BILL 17.09.20 Sovereign 8.67% Investments
14.07%
option specified by investor); 182 DAY T-BILL 15.10.20 Sovereign 8.64% Certificate of Deposits
B. Daily Dividend 182 DAY T-BILL 08.10.20 Sovereign 6.49%
1. Re-investment BONDS & NCDs
91 DAY T-BILL 10.09.20 Sovereign 2.17%
C. Weekly Dividend
Total 25.97% Cash & Cash
1. Re-investment Equivalents
TREPS / Reverse Repo Investments 14.07% 25.97%
D. Bonus Option$
Total 14.07%
SIP (Minimum) Net Receivable/Payable 0.23%
` 500/month - 12 Installments Total 0.23%
` 1500/quarter - 4 Installments Grand Total 100.00%
AAUM & AUM All corporate ratings are assigned by rating agencies like CRISIL;
AAUM ` 3,514.98 Crs
**Thinly traded / Non traded securities and illiquid securities as
AUM ` 3,352.35 Crs defined in SEBI Regulations and Guidelines.

Regular `
Growth 3396.6251
Modified Duration (Years) 0.07 Dividend 2910.0792
Portfolio Yield (%) 3.30 Dividend - Daily 1006.0602
Plan A `
Growth 2308.2807
Total Expense Ratio
Plan A 0.32%
Plan B (Direct) 0.22% This product is suitable for investors who are seeking* Plan B - Direct `
• Regular income over short term with maintaining a balance Growth 2325.2371
between returns and liquidity.
• Investment predominantly in Money Market (i.e. CP/CDs) and
Fund Managers # Debt Market Instruments. Dividend - Weekly 1219.1485
Mr. Alok Sahoo
$
The Bonus Option in the Schemes has been discontinued effective June 08, 2015 Effective November 01, 2012, dividends declared under the
Regular Plan (which has been discontinued from October 01, 2012) will be reinvested in Baroda Liquid Fund (earlier called Institutional Plan)
#
Ms. Hetal Shah
20
Baroda Overnight Fund
(An open-ended debt scheme investing in overnight securities)
The primary objective of the scheme is to generate returns, commensurate with low risk and providing high level of liquidity, through investments
made primarily in overnight securities having maturity of one business day. There is no assurance that the investment objective of the scheme will
be realized.
Date of Inception Portfolio

April 25, 2019 % to Net
Name of Instruments
Assets
Benchmark
CRISIL Overnight Index Total 99.53%
Minimum Investment
Total 0.47%
Purchase: ` 5,000/- & in multiples of ` 1/-
Grand Total 100.00%
thereafter
Additional Purchase : ` 1,000/- and in
multiples of ` 1/- thereafter.
Re-purchase: No minimum amount
Regular `
Load Structure Growth 1061.2303
Entry Load: NA Dividend - Daily 1000.0000
Exit Load: NIL Dividend - Weekly 1000.5592
Direct `
Plans & Option Growth 1061.9806
Regular and Direct

A. Growth Option (default option in case no option Dividend - Weekly 1000.6366
specified by investor); This product is suitable for investors who are seeking*
B. Dividend Option • Generate returns, commensurate with low risk and high level of
The Dividend option offers the following sub-options liquidity.
1. Daily Dividend (default in case no sub-option is
specified by the investor) • Invest in overnight securities having maturity of one business
2. Weekly Dividend day.
Dividends, if any, declared by the scheme will be * Investors should consult their financial advisers if in doubt
compulsorily re-invested. about whether the product is suitable for them.
SIP (Minimum)
` 1500/quarter - 4 Installments
AAUM & AUM

AAUM ` 231.22 Crs
AUM ` 156.92 Crs
Total Expense Ratio

Regular 0.12%
Direct 0.04%
Fund Managers#
Mr. Alok Sahoo

Ms. Hetal Shah

(Experience 20 Years) #
21
Baroda Money Market Fund
An open ended debt scheme investing in money market instruments.
The primary objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through
investments made in money market instruments.

Name of Instruments
Industries Assets
MONEY MARKET INSTRUMENT
Benchmark Sovereign 64.89%
CRISIL Money Market Index Commercial Paper**
Muthoot Finance Ltd. CRISIL A1+ 12.96%
Minimum Investment Total 12.96%

Purchase: ` 5,000/- & in multiples of ` 1/- Certificate of Deposit**
thereafter CRISIL A1+ 25.89%
Additional Purchase : ` 1,000/- and in IndusInd Bank Ltd. CRISIL A1+ 12.93%
multiples of ` 1/- thereafter.
Total 12.93%
Re-purchase: No minimum amount
Treasury Bills
Load Structure 182 DAY T-BILL 10.09.20 Sovereign 64.89%

Entry Load: NA Total 64.89%
Exit Load: NIL TREPS / Reverse Repo Investments 8.09%
Total 8.09%
Plans & Option Cash & Cash Equivalents
Instruments
Regular and Direct
A. Growth Option (default option in case no option 8.09% 1.13% Treasury Bills
specified by investor); Total 1.13% 64.89%
B. Dividend Option
Commercial Paper
The Dividend option offers the following sub-options Grand Total 100.00% 12.93%
1. Daily Dividend Certificate of Deposits
• Re-investment All corporate ratings are assigned by rating agencies like CRISIL;
2. Weekly Dividend CARE; ICRA; IND; BWR.
• Re-investment TREPS / Reverse Repo
**Thinly traded / Non traded securities and illiquid securities as 12.96% Investments
3. Monthly Dividend
• Pay-out and defined in SEBI Regulations and Guidelines.
Cash & Cash
• Re-investment (default)
Dividend declared by the Scheme in Daily Dividend Equivalents
and Weekly Dividend will be compulsorily
re-invested.
SIP (Minimum)
` 1500/quarter - 4 Installments Riskometer NAV as on 31 August 2020
Regular `
Growth 1067.4187
AAUM & AUM
AAUM ` 18.10 Crs
AUM ` 14.84 Crs Dividend - Monthly 1000.8357
Direct `
Growth 1071.1589
Dividend - Daily NA
This product is suitable for investors who are seeking* Dividend - Weekly NA
Modified Duration (Years) 0.04 • Regular income over short term. Dividend - Monthly NA
Portfolio Yield (%) 3.30 • Investments in money market instruments having maturity upto
1 year.
Total Expense Ratio
Regular 0.65%
Direct 0.32%
Fund Managers#
Mr. Alok Sahoo

Mr. Karn Kumar

#
22
Investment Performance
Funds Managed by Mr. Sanjay Chawla & Mr. Dipak Acharya

Date Of Inception: 12/09/2003 Since
1 Year 3 Years 5 Years
Scheme Name & Benchmark Inception
Baroda Multi Cap Fund (in %)^ 4.42 0.47 5.03 14.34
S&P BSE 500 TRI (Scheme Benchmark) (in %)* 5.86 3.93 8.52 14.84
Nifty 50 TRI (Standard Benchmark) (in %)$ 4.31 6.01 8.75 14.74
` 10,000, if invested in BMCF, would have become `10,442 ` 10,143 `12,783 ` 97,320
` 10,000, if invested in S&P BSE 500 TRI, would have become `10,586 ` 11,228 `15,055 ` 104,841
` 10,000, if invested in Nifty 50 TRI, would have become `10,431 ` 11,915 `15,214 ` 103,349
^Past performance may or may not be sustained in the future.
Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated
on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the
period. * With effect from October 29, 2019 the benchmark has been changed to S&P BSE 500 TRI. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.
Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme,
benchmark performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.

Baroda ELSS’ 96 (in %)^ 3.90 -1.36 4.00 11.20
S&P BSE 200 TRI (Scheme Benchmark) (in %)* 5.50 4.80 8.76 12.25
` 10,000, if invested in BELSS’96, would have become `10,390 ` 9,597 ` 12,171 ` 133,880
` 10,000, if invested in S&P BSE 200 TRI, would have become ` 10,550 ` 11,512 ` 15,222 ` 168,338
` 10,000, if invested in Nifty 50 TRI, would have become ` 10,431 ` 11,915 ` 15,214 ` 163,406
Data is for Dividend Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns have been computed assuming that all payouts during
the period have been reinvested in the units of the Scheme at the respective prevailing NAVs. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Standard benchmark
as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. * with effect from 2nd May 2016 the benchmark has been
changed to S&P BSE 200. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total
Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark performance is calculated using composite CAGR of the benchmark index Price
Return values from 31 Mar 1996 to 29 June 2007, and TRI values since 29 June 2007.

Baroda Hybrid Equity Fund (in %)^ 4.94 0.55 5.26 10.55
CRISIL Hybrid 35+65 - Aggressive index& (Scheme Benchmark) (in %) 9.07 6.70 9.42 12.67
` 10,000, if invested in BHEF, would have become ` 10,494 ` 10,167 ` 12,927 ` 54,940
` 10,000, if invested in CRISIL Hybrid 35+65 - Aggressive index (effective February 1, 2018), would have become ` 10,907 ` 12,152 ` 15,690 ` 75,829
` 10,000, if invested in Nifty 50 TRI, would have become ` 10,431 ` 11,915 ` 15,214 `103,349
period. Mr. Sanjay Chawla is managing the Scheme along with Mr. Dipak Acharya effective November 1, 2015.
&
(Benchmark has been renamed effective February 1, 2018). The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from
August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016. Effective February 1,
2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Baroda Mid-Cap Fund (in %)^ 12.86 1.57 4.35 -0.59
S&P BSE MidCap TRI (Scheme Benchmark)& (in %) 9.93 -0.93 7.61 7.31
` 10,000, if invested in BMCF, would have become ` 11,286 `10,478 ` 12,375 ` 9,430
` 10,000, if invested in S&P BSE MidCap TRI, would have become ` 10,993 ` 9,724 ` 14,439 ` 20,128
` 10,000, if invested in Nifty 50 TRI, would have become ` 10,431 `11,915 ` 15,214 ` 20,875
period. Mr. Sanjay Chawla is managing the Scheme with Mr. Dipak Acharya effective October 3, 2016. &(Scheme Benchmark has been changed to S&B BSE Mid-cap Index effective October 3, 2016)
Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Baroda Large Cap Fund (in %)^ 4.94 2.47 5.40 3.76
Nifty 100 TRI (Scheme Benchmark)& (in %) 4.06 5.04 8.58 9.34
` 10,000, if invested in BLCF, would have become ` 10,494 ` 10,761 ` 13,009 ` 14,570
period. Mr. Sanjay Chawla is managing the Scheme with Mr. Dipak Acharya effective October 3, 2016. &(Scheme Benchmark has been changed to Nifty 100 effective October 3, 2016)
Funds Managed by Mr. Dipak Acharya

Baroda Banking and Financial Services Fund (in %)^ -10.30 -0.72 6.06 8.82
Nifty Bank Index TRI (Scheme Benchmark) (in %) -13.31 -0.49 7.26 11.84
` 10,000, if invested in BBFSF, would have become ` 8,970 ` 9,785 ` 13,423 ` 20,000
` 10,000, if invested in Nifty Bank Index TRI, would have become ` 8,669 ` 9,852 ` 14,201 ` 25,026
Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated on the
basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.
23
Funds Managed by Mr. Sanjay Chawla, Mr. Alok Sahoo and Mr. Dipak Acharya
Date Of Inception: 14/11/2018
1 Year Since Inception
Scheme Name & Benchmark
Baroda Dynamic Equity Fund (in %)^ 17.67 12.66
50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI (Scheme Benchmark) (in %) 9.68 8.72
Nifty 50 TRI (Standard Benchmark) (in %)$ 4.31 5.45
` 10,000, if invested in BDEF, would have become ` 11,767 ` 12,390
` 10,000, if invested in 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI, would have become ` 10,968 ` 11,622
` 10,000, if invested in Nifty 50 TRI, would have become ` 10,431 ` 11,002
Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). The scheme has been in existence for more than 1 year but less than 3
years since inception.
Funds Managed by Mr. Alok Sahoo and Ms. Hetal Shah

Baroda Short Term Bond Fund (in %)^ 7.72 7.64 8.16 8.18
CRISIL Short Term Bond Fund Index (Scheme Benchmark) (in %) 10.20 8.26 8.48 8.46
CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 6.78 6.97 6.95 6.97
` 10,000, if invested in BSTBF, would have become `10,772 `12,474 `14,812 `22,252
` 10,000, if invested in CRISIL Short Term Bond Fund Index, would have become `11,020 `12,692 `15,030 `22,852
` 10,000, if invested in CRISIL 1 year T-Bill, would have become `10,678 `12,242 `14,001 `19,848
Baroda Liquid Fund (in %)^ 4.94 6.44 6.84 7.49
CRISIL Liquid Fund Index (Scheme Benchmark) (in %) 5.34 6.65 6.90 7.26
` 10,000, if invested in BLF, would have become `10,494 `12,061 `13,925 `23,083
` 10,000, if invested in CRISIL Liquid Fund Index, would have become `10,534 `12,133 `13,963 `22,507
` 10,000, if invested in CRISIL 1 year T-Bill, would have become `10,678 `12,242 `14,001 ` 20,530
Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated on
the basis of `1000 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.
Baroda Treasury Advantage Fund (scheme has one segregated portfolio) (in %)^ -19.52 -9.21 -2.40 3.47
CRISIL Low Duration Debt Index (Scheme Benchmark) (in %)* 7.97 7.88 8.07 7.75
` 10,000, if invested in BTAF, would have become `8,048 `7,482 `8,856 `14,647
` 10,000, if invested in CRISIL Low Duration Debt Index, would have become `10,797 `12,556 `14,749 `23,052
` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,678 `12,242 `14,001 `20,257
*With effect from October 29, 2019 the benchmark has been changed to CRISIL Low Duration Debt Index.
Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated on
Impact of segregation
Fall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -21.82%
Baroda Dynamic Bond Fund (in %)^ 5.16 2.49 5.45 6.97
CRISIL Composite Bond Fund Index (Scheme Benchmark) (in %) 10.83 8.22 9.13 9.08
` 10,000, if invested in BDBF, would have become `10,516 `10,765 `13,043 `17,350
` 10,000, if invested in CRISIL Composite Bond Fund Index, would have become `11,083 `12,678 `15,486 `20,349
Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated
on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period.

Baroda Overnight Fund (in %)^ 4.05 4.48
CRISIL Overnight Index (Scheme Benchmark) (in %) 4.07 4.51
CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 6.78 7.12
` 10,000, if invested in BONF, would have become `10,405 `10,611
` 10,000, if invested in CRISIL Overnight Index would have become `10,407 `10,616
` 110,000, if invested CRISIL 1 year T-Bill, would have become `10,678 `10,976
The scheme has been in existence for more than 1 year but less than 3 years since inception.
Funds Managed by Mr. Dipak Acharya, Mr. Pratish Krishnan and Mr. Alok Sahoo
1 Year
Baroda Equity Savings Fund (in %)^ 10.31 9.64
40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI (Scheme Benchmark) (in %) 6.84 6.54
Nifty 50 TRI (Standard Benchmark) (in %)$ 4.31 2.21
` 10,000, if invested in BESF, would have become `11,031 `11,070
` 10,000, if invested in 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI, would have become `10,684 `10,725
` 10,000, if invested in Nifty 50 TRI, would have become `10,431 `10,244
24

Baroda Ultra Short Duration Fund (in %)^ 5.92 7.23
CRISIL Ultra Short Fund Index (Scheme Benchmark) (in %) 6.84 7.73
CRISIL 1 Year T-Bill Index (Standard Benchmark)$ 6.78 7.37
` 10,000, if invested in BUSDF, would have become `10,592 `11,703
` 10,000, if invested in CRISIL Ultra Short Fund Index, would have become `10,684 `11,825
` 10,000, if invested in CRISIL 1 Year T-Bill Index, would have become `10,678 `11,736
Data is for for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated on
Funds Managed by Mr. Alok Sahoo and Mr. Karn Kumar

Baroda Credit Risk Fund (scheme has one segregated portfolio) (in %)^ -1.05 2.47 5.64 6.22
CRISIL Short Term Credit Risk Index (Scheme Benchmark) (in %)* 11.06 9.05 9.06 9.13
` 10,000, if invested in BCRF, would have become `9,895 `10,761 `13,158 `14,027
` 10,000, if invested in CRISIL Short Term Credit Risk Index, would have become `11,106 `12,972 `15,436 `16,321
*With effect from October 29, 2019 the benchmark has been changed to CRISIL Short Term Credit Risk Fund.
period. Mr. Karn Kumar is managing the scheme along with Mr. Alok Sahoo since July 24, 2017.
Impact of segregation
Fall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -2.24%
1 Year
Baroda Money Market Fund (in %)^ 4.93 5.57
CRISIL Money Market Index (Scheme Benchmark) (in %)* 6.23 6.51
CRISIL 1 year T-Bill (Standard Benchmark) (in %)$ 6.78 6.96
` 10,000, if invested in BMMF, would have become `10,493 `10,674
` 10,000, if invested in CRISIL Money Market Index, would have become `10,623 `10,788
` 10,000, if invested CRISIL 1 year T-Bill, would have become `10,678 `10,843
Data is for for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are calculated on
Funds Managed by Ms. Hetal Shah

Baroda Conservative Hybrid Fund (in %)^ 8.92 7.63 7.84 6.52
CRISIL Hybrid 85+15 - Conservative Index& (Scheme Benchmark) (in %) 10.96 8.09 9.36 8.77
CRISIL 10 Year Gilt Index (Standard Benchmark) (in %)$ 6.59 6.16 7.84 6.24
` 10,000, if invested in BCHF, would have become `10,892 `12,471 `14,593 `27,441
` 10,000, if invested in CRISIL Hybrid 85+15 - Conservative Index, would have become `11,096 `12,632 `15,650 `38,367
` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,659 `11,968 `14,589 `26,331
Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are
calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of
the period. &(Benchmark has been renamed effective February 1, 2018). The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component
from August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016.

Baroda Gilt Fund (in %)^ 7.17 6.63 7.67 6.58
I-Sec Mi-BEX (Scheme Benchmark) (in %) 9.86 8.72 9.44 8.05
CRISIL 10 Year Gilt Index (Standard Benchmark)$ 6.59 6.16 7.84 6.79
` 10,000, if invested in BGF, would have become `10,717 `12,126 `14,479 `32,439
` 10,000, if invested in I-Sec Mi-BEX, would have become `10,986 `12,853 `15,704 `41,768
` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become `10,659 `11,968 `14,589 `33,622
Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of August has been considered in all cases. Returns are Compounded Annualised and are
calculated on the basis of `10 invested at inception. $Standard benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start
of the period.
Disclaimers: Nifty Bank Index and Nifty 100: Baroda Large Cap Fund and Baroda Banking and Financial Services Fund (“said Schemes”) offered by Baroda Mutual Fund are not sponsored,
endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability
or fitness for particular purpose or use) and disclaims all liability to the owners of the said Schemes or any member of the public regarding the advisability of investing in securities generally
or in the said Schemes linked to Nifty 100 and Nifty Bank Index or particularly in the ability of the Nifty Bank Index to track general stock market performance in India. Please read the full
disclaimers in relation to the Nifty 100 and Nifty Bank Index in the Offer Document / Prospectus / Information Statement.
S&P BSE 200: Baroda ELSS’ 96 Fund and Baroda Dynamic Equity Fund (“said Scheme”) offered by Baroda Mutual Fund are not sponsored, endorsed, sold or promoted by India Index
Services & Products Limited (“IISL”). IISL does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and
disclaims all liability to the owners of the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 200
or particularly in the ability of the S&P BSE 200 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 200 in the Offer Document
/ Prospectus / Information Statement.
S&P BSE 500: Baroda Multi Cap Fund (“said Scheme”) offered by Baroda Mutual Fund is not sponsored, endorsed, sold or promoted by India Index Services & Products Limited (“IISL”). IISL
does not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) and disclaims all liability to the owners of
the said Scheme or any member of the public regarding the advisability of investing in securities generally or in the said Scheme linked to S&P BSE 500 or particularly in the ability of the S&P
BSE 500 and to track general stock market performance in India. Please read the full disclaimers in relation to the S&P BSE 500 in the Offer Document / Prospectus / Information Statement.
S&P BSE Midcap Index is a product of AIPL, a joint venture among affiliates of S&P Dow Jones Indices LLC (“SPDJI”) and BSE Limited (“BSE”), and has been licensed for use by Baroda
Asset Management India Ltd. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); BSE® is registered trademarks of BSE Limited;
Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by AIPL and sublicensed for certain purposes
by Baroda Asset Management India Ltd. Baroda Mid-Cap Fund is not sponsored, endorsed, sold or promoted by SPDJI, BSE, Dow Jones, S&P or their respective affiliates and none of such
parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P BSE Midcap Index.
25
SIP Returns
Baroda Multi Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Amount Invested (Rs) 120,000 360,000 600,000 840,000 1,200,000 2,040,000
Total Value as on August 31, 2020 (Rs) 127,710 368,059 660,027 1,030,003 1,757,023 5,325,107
Returns (%) 12.13 1.44 3.77 5.74 7.40 10.39
Total Value of S&P BSE 500 TRI* (Rs) 129,460 383,710 721,755 1,142,486 2,007,667 5,956,980
S&P BSE 500 TRI* Returns (%) 14.94 4.18 7.32 8.64 9.93 11.52
Total Value of Nifty 50 TRI (Rs) 128,718 387,667 730,332 1,133,630 1,960,056 5,889,193
Nifty 50 TRI Returns (%) 13.75 4.87 7.79 8.42 9.48 11.41
*With effect from October 29, 2019 the benchmark has been changed to S&P BSE 500.
Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark
performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.
Baroda ELSS’ 96 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Value as on August 31, 2020 (Rs) 128,230 359,172 635,480 982,671 1,695,153 14,796,961
Returns (%) 12.97 -0.15 2.27 4.42 6.72 11.48
Total Values of S&P BSE 200 TRI* (Rs) 129,460 383,710 721,755 1,142,486 2,007,667 19,713,996
S&P BSE 200 TRI* Returns (%) 14.94 4.18 7.32 8.64 9.93 13.33
* with effect from 2nd May 2016 the benchmark has been changed to S&P BSE 200.
Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). As TRI data is not available since inception of the Scheme, benchmark
performance is calculated using composite CAGR of the benchmark index Price Return values from 12 Sep 2003 to 29 June 2007, and TRI values since 29 June 2007.
Baroda Hybrid Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Returns (%) 11.82 1.17 3.56 5.26 6.91 7.91
Total Values of CRISIL Hybrid 35+65 – Aggressive Index (Rs) 129,593 402,655 747,868 1,177,795 2,029,207 5,588,692
CRISIL Hybrid 35+65 – Aggressive Index (%) 15.16 7.40 8.74 9.49 10.13 10.88
The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from August 1, 2016 while the debt component will be total return since
inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return
variant of the benchmark / standard benchmark index (TRI).
Baroda Mid-Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Amount Invested (Rs) 120,000 360,000 600,000 840,000 NA 1,190,000
Total Value as on August 31, 2020 (Rs) 135,256 380,493 679,905 985,077 NA 1,423,714
Returns (%) 24.40 3.63 4.94 4.48 NA 3.55
Total Values of S&P BSE MidCap TRI^^ (Rs) 132,412 362,666 664,085 1,121,324 NA 2,000,080
S&P BSE MidCap TRI ^^ Returns (%) 19.73 0.48 4.01 8.12 NA 10.11
Total Value of Nifty 50 TRI (Rs) 128,718 387,667 730,332 1,133,630 NA 1,936,484
Nifty 50 TRI Returns (%) 13.75 4.87 7.79 8.42 NA 9.49
^^Scheme benchmark has been changed to S&P BSE Mid-cap index effective October 3, 2016.
Baroda Large Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Returns (%) 10.05 3.10 5.00 6.34 6.82 6.66
Total Values of Nifty 100 TRI^^ (Rs) 128,179 382,894 721,254 1,132,753 1,985,977 2,060,100
Nifty 100 TRI ^^ Returns (%) 12.88 4.04 7.29 8.40 9.73 9.70
^^Scheme benchmark has been changed to Nifty 100 effective October 3, 2016.
Baroda Banking and Financial Services Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Amount Invested (Rs) 120,000 360,000 600,000 840,000 NA 990,000
Total Value as on August 31, 2020 (Rs) 115,144 339,478 636,277 1,014,722 NA 1,294,449
Returns (%) -7.42 -3.77 2.31 5.32 NA 6.37
Total Value of Nifty Bank Index TRI (Rs) 115,017 329,538 642,826 1,057,460 NA 1,389,417
Nifty Bank Index TRI Returns (%) -7.61 -5.65 2.72 6.47 NA 8.04
Total Value of Nifty 50 TRI (Rs) 128,718 387,667 730,332 1,133,630 NA 1,465,766
Nifty 50 TRI Returns (%) 13.75 4.87 7.79 8.42 NA 9.29
Baroda Conservative Hybrid Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Returns (%) 10.72 9.65 8.51 8.42 8.39 7.26
Total Value of CRISIL Hybrid 85+15 - Conservative Index (Rs) 128,026 420,039 761,336 1,183,724 1,966,045 4,148,172
CRISIL Hybrid 85+15 - Conservative Index (%) 12.65 10.28 9.46 9.64 9.54 8.99
Total Value of CRISIL 10 Year Gilt Index Returns (Rs) 123,463 411,365 727,307 1,114,786 1,780,324 3,494,999
CRISIL 10 Year Gilt Index Returns (%) 5.40 8.85 7.63 7.95 7.65 7.07
Baroda Dynamic Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Amount Invested (Rs) 120,000 NA NA NA NA 220,000
Total Value as on August 31, 2020 (Rs) 136,939 NA NA NA NA 256,687
Returns (%) 27.19 NA NA NA NA 17.09
Total Value of 50% S&P BSE 200 Index and 50% CRISIL Short 129,151 NA NA NA NA 240,541
Term Bond Fund Index (TRI) (Rs)
CRISIL 50% S&P BSE 200 Index and 50% CRISIL Short Term 14.45 NA NA NA NA 9.66
Bond Fund Index (TRI) (%)
Total Value of Nifty 50 TRI (Rs) 128,718 NA NA NA NA 232,062
Nifty 50 TRI (%) 13.75 NA NA NA NA 5.70
Baroda Equity Savings Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception
Total Amount Invested (Rs) 120,000 NA NA NA NA 140,000
Total Value as on August 31, 2020 (Rs) 128,696 NA NA NA NA 150,824
Returns (%) 13.71 NA NA NA NA 12.68
Total Value of 40% NSE 50 Arbitrage index, 35% NIFTY Short 125,583 NA NA NA NA 147,079
Duration Debt index and 25% NSE100 index (TRI) (Rs)
CRISIL 40% NSE 50 Arbitrage index, 35% NIFTY Short 8.74 NA NA NA NA 8.24
Duration Debt index and 25% NSE100 index (TRI) (TRI) (%)
Total Value of Nifty 50 TRI (Rs) 128,718 NA NA NA NA 149,514
Nifty 50 TRI (%) 13.75 NA NA NA NA 11.12
Past performance may or may not be sustained in the future.
For SIP calculations above, the data assumes the investment of `10000/- on 1st day of every month or the subsequent working day. Load & Taxes are not considered for computation of returns. Performance for dividend
option would assume reinvestment of tax free dividends declared at the then prevailing NAV.
CAGR returns are computed after accounting for the cash flow by using XIRR method (investment internal rate of return). Where Benchmark returns are not available, they have not been shown.
26
Dividend History The Bank of Baroda logo belongs to Bank of Baroda
Record Date Ex-Dividend NAV (Rs) Per Unit$ (Rs) Record Date Ex-Dividend NAV (Rs) Per Unit$ (Rs)
Baroda Multi Cap Fund - Plan A - Dividend Baroda Dynamic Bond Fund - Plan A - Dividend
24-Mar-20 20.71 2.80 24-Mar-20 12.6931 0.20
22-Mar-19 30.20 2.80 16-Mar-18 13.3863 1.00
16-Mar-18 37.10 3.50 27-Jun-16 12.1528 0.40
Baroda Multi Cap Fund - Plan B - Direct - Dividend Baroda Dynamic Bond Fund - Plan B - Direct - Dividend
24-Mar-20 20.99 2.80 24-Mar-20 13.5158 0.20
22-Mar-19 30.33 2.80 16-Mar-18 14.0540 1.00
16-Mar-18 36.88 3.50 27-Jun-16 12.5981 0.40
Baroda ELSS 96 - Plan A - Dividend Baroda Gilt Fund - Plan A - Dividend
22-Mar-19 26.45 1.55 24-Mar-20 21.8348 0.20
16-Mar-18 32.86 3.25 16-Mar-18 20.1217 1.50
23-Mar-17 32.07 2.50 24-Jun-16 19.4927 1.20
Baroda ELSS 96 - Plan B - Direct - Dividend Baroda Gilt Fund - Plan B - Direct - Dividend
22-Mar-19 32.18 1.55 24-Mar-20 28.4562 0.20
16-Mar-18 38.61 3.25 Baroda Liquid Fund - Plan A - Dividend
23-Mar-17 36.88 2.50 04-Mar-05 1016.27 35.00
Baroda Large Cap Fund - Plan A - Dividend 06-Jan-04 1004.32 95.00
22-Mar-19 11.22 0.95 13-May-02 1002.43 7.50
Baroda Large Cap Fund - Plan B - Direct - Dividend Baroda Short Term Bond Fund - Plan A - Monthly Dividend
22-Mar-19 11.82 0.95 27-Aug-20 10.0849 0.08
Baroda Banking and Financial Services Fund - Plan A - Dividend 27-Jul-20 10.1510 0.12
22-Mar-19 15.23 1.85 26-Jun-20 10.1691 0.04
16-Mar-18 17.11 1.75 Baroda Short Term Bond Fund - Plan B - Direct - Monthly Dividend
Baroda Banking and Financial Services Fund - Plan B - Direct - Dividend 27-Aug-20 10.0855 0.08
22-Mar-19 16.23 1.85 27-Jul-20 10.1516 0.12
16-Mar-18 17.89 1.75 26-Jun-20 10.1701 0.04
Baroda Hybrid Equity Fund - Plan A - Dividend Baroda Short Term Bond Fund - Plan A - Quarterly Dividend
26-Jun-20 13.00 0.30 26-Jun-20 10.6731 0.15
24-Mar-20 11.54 0.37 24-Dec-19 10.4020 0.15
24-Dec-19 15.07 0.33 Baroda Short Term Bond Fund - Plan B - Direct - Quarterly Dividend
Baroda Hybrid Equity Fund - Plan B - Direct - Dividend 26-Jun-20 10.8690 0.15
26-Jun-20 14.99 0.30 24-Dec-19 10.5526 0.15
24-Mar-20 13.25 0.30 Baroda Treasury Advantage Fund Reg - Monthly Dividend
24-Dec-19 17.22 0.33 26-Apr-19 1001.01 3.47
Baroda Conservative Hybrid Fund - Plan A - Monthly Dividend 27-Mar-19 1000.99 8.80
27-Aug-20 14.4490 0.07 27-Feb-19 1000.40 1.48
27-Jul-20 14.5554 0.07 Baroda Treasury Advantage Fund - Plan A - Monthly Dividend
26-Jun-20 14.2587 0.07 26-Apr-19 1001.01 3.47
Baroda Conservative Hybrid Fund - Plan B - Direct - Monthly Dividend 27-Mar-19 1000.99 8.80
27-Aug-20 15.2807 0.07 27-Feb-19 1000.40 1.48
27-Jul-20 15.3781 0.07 Baroda Treasury Advantage Fund - Plan B - Direct - Monthly Dividend
26-Jun-20 15.0507 0.07 26-Apr-19 1001.05 3.73
Baroda Conservative Hybrid Fund - Plan A - Quarterly Dividend 27-Mar-19 1001.01 9.03
26-Jun-20 13.7832 0.20 27-Feb-19 1000.42 1.74
24-Mar-20 13.2766 0.20 Baroda Treasury Advantage Fund Reg - Quarterly Dividend
24-Dec-19 13.4556 0.20 27-Jun-14 1006.66 23.38
Baroda Conservative Hybrid Fund - Plan B - Direct - Quarterly Dividend 21-Mar-14 1011.22 7.79
26-Jun-20 13.8336 0.20 24-Jun-16 1036.72 14.45
24-Mar-20 13.2969 0.20 Baroda Treasury Advantage Fund - Plan A - Quarterly Dividend
24-Dec-19 13.5564 0.20 22-Mar-19 1028.09 17.00
Baroda Credit Risk Fund - Plan A - Quarterly Dividend 26-Dec-18 1029.11 17.00
24-Dec-19 10.1625 0.05 26-Sep-18 1035.45 17.00
04-Oct-19 10.2252 0.08 Baroda Treasury Advantage Fund - Plan B - Direct - Quarterly Dividend
27-Jun-19 10.1433 0.15 22-Mar-19 1039.25 18.00
Baroda Credit Risk Fund - Plan B - Direct - Quarterly Dividend 26-Dec-18 1040.36 17.00
26-Jun-20 10.2800 0.05 26-Sep-18 1025.18 17.00
24-Dec-19 10.7734 0.05 Baroda Money Market Fund - Reg - Monthly Dividend
04-Oct-19 10.8090 0.10 27-Aug-20 1000.76 3.56
Baroda Credit Risk Fund - Plan A - Monthly Dividend 27-Jul-20 1011.70 3.80
27-Feb-20 10.1651 0.07 26-Jun-20 1003.55 3.36
27-Jan-20 10.1231 0.07
25-Oct-19 10.1291 0.07
Baroda Credit Risk Fund - Plan B - Direct - Monthly Dividend
27-Apr-20 10.1464 0.07
27-Mar-20 10.3549 0.07
27-Feb-20 10.7546 0.07
$
Face value is ` 10/- in all schemes other than Baroda Liquid Fund, Baroda Treasury Advantage Fund and Baroda Money Market Fund where the face value is ` 1,000/- per unit.
#
Pursuant to payment of dividend, the NAVs of the schemes would fall to the extent of payout and statutory levy (if applicable).
27
KFIN Technologies Private Limited
(Formerly known as Karvy Fintech Private Limited)
Contact details MFS Branches The Bank of Baroda logo belongs to Bank of Baroda
• Agartala: Tel: 0381-2317519 Email: mfsagartala@kfintech.com • Agra: Tel: 7518801801 Email: mfsagra@kfintech.com • Ahmedabad: Tel: 9081903021 Email: ahmedabadmfd@kfintech.com • Ajmer: Tel:
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– 233552 Email: mfsnagarkoil@kfintech.com • Nagpur: Tel: 0712-2533040 Email: nagpurmfd@kfintech.com • Namakkal: Tel: 04286-234801 Email: mfsnamakkal@kfintech.com •Nanded: Tel: 02462-237885
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• Renukoot: Tel: 7518801842 Email: mfsrenukoot@kfintech.com • Rewa: Tel: 7518801843 Email: mfsrewa@kfintech.com • Rohtak: Tel: 7518801844 Email: mfsrohtak@kfintech.com • Roorkee: Tel:
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Baroda Mutual Fund - Investor Service Centre
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Email: Info@Barodamf.com | Website:www.barodamf.com
Registered Office
Baroda Asset Management India Ltd.
(Formerly known as Baroda Pioneer Asset Management Company Ltd.)
CIN : U65991MH1992PLC069414
501 Titanium, 5th Floor, Western Express Highway, Goregaon (E), Mumbai - 400063.
Phone: +91 22 6848 1000 / 4219 7999. Fax: +91 22 6848 1001.
Branch Offices
Delhi
Flat No. 103 & 104, First Floor,Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001.
Phone: +91 011- 43514662, Fax: +91 11 4592117
Chennai
HP Complex, Flat No. 12, 3rd Floor, Door No. 124/1, 2 & 3 New No. 14, G. N. Chetty Road, T. Nagar, Chennai - 600017.
Phone: +91 044- 2834 3530, Fax: +91 044 - 2834 3539
Lucknow
Baroda Asset Management India Limited*
G - 101 Ground Floor, SKI High Building, 11/05, Park Road, Hazaratganj, Lucknow-226001
Phone: +91 0522- 43514564
* currently not an ISC
Bangalore
Baroda Asset Management India Limited
(Formerly known as Baroda Pioneer Asset Management Company Limited)
Raheja Arcade, No. 1/1, Commercial Permises No. 246, 2 nd Floor, Koramangala Industrial layout, Hosur Road, Bangalore - 560 095.
Phone: +91 080-25521375
Mutual Fund investments are subject to market risks,read all scheme related documents carefully.
28

Baroda Factsheet August 2020

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Baroda Factsheet August 2020

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Working in Factsheet

Mo This product is suitable for investors

Ÿ Investment predominantly in equity &

Mr. Sanjay Chawla

Date of Inception Portfolio Portfolio

Risk Profile 31 August 2020

Date of Inception Portfolio Portfolio

Risk Profile 31 August 2020 BANK

Standard deviation 19.29%

Plan B (Direct) 1.86% Bonus 43.19

Mr. Dipak Acharya • Investment predominantly in equity and equity related

Date of Inception Portfolio Portfolio

AAUM & AUM

Risk Profile 31 August 2020

Date of Inception Portfolio Portfolio

AAUM & AUM Top 10 Industries

This product is suitable for investors who are seeking*

Mr. Dipak Acharya

Date of Inception Portfolio Portfolio

AAUM & AUM

Date of Inception Portfolio Portfolio

Risk Profile 31 August 2020 BANK

Standard deviation 14.56%

• Investment predominantly in equity and equity related instru-

Date of Inception Portfolio Portfolio

Total Expense Ratio SOVEREIGN

Date of Inception Portfolio Portfolio

Risk Profile 31 August 2020

(Experience 18 Years) * Investors should consult their financial advisers if in doubt

Date of Inception Portfolio Ratings

All corporate ratings are assigned by rating agencies like CRISIL;

Date of Inception Portfolio Ratings

Plan A 1.83% Riskometer NAV as on 31 August 2020

Date of Inception Portfolio Ratings

Benchmark CENTRAL GOVERNMENT SECURITIES

I SEC-MI BEX 7.26% CGL 2029 Sovereign 17.86%

7.59% CGL 2029 Sovereign 10.20%

Load Structure 8.28% CGL 2027 Sovereign 9.01%

Plans & Option STATE GOVERNMENT SECURITIES

Plan A and Plan B (Direct) 8.11% State Government Instruments

Grand Total 100.00%

AAUM & AUM

This product is suitable for investors who are seeking*

Ms. Hetal Shah

Date of Inception Portfolio Ratings

8.28% CGL 2027 Sovereign 12.98%

Load Structure Total 70.04%

Entry Load: NA STATE GOVERNMENT SECURITIES

Net Receivable/Payable -1.21%

AUM ` 21.48 Crs Riskometer NAV as on 31 August 2020

Total Expense Ratio

Ms. Hetal Shah

Date of Inception Portfolio Ratings

Mr. Alok Sahoo Dividend - Quarterly 11.0198

Date of Inception Portfolio Ratings

Date of Inception Portfolio Ratings

SIP (Minimum) Treasury Bills BONDS & NCDs

Portfolio Yield (%) 3.62 Riskometer NAV as on 31 August 2020

Date of Inception Portfolio Ratings

Riskometer NAV as on 31 August 2020

Date of Inception Portfolio

Plans & Option Growth 1061.9806

Regular and Direct

AAUM & AUM