IT’S LIKE THE RIGHT DIET FACTSHEET February 2021

Diversify your portfolio and gain potential benefits for the long-run!

Gain opportunities for long-term growth in capital along with liquidity of an open ended scheme through investments in a diversified basket of equity stocks

Baroda Multi Cap Fund aims to generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments. Invest in Baroda Multi Cap Fund (formerly known as Baroda Pioneer Growth Fund)

(Multi-Cap Fund - an open ended equity scheme investing across large cap, mid-cap and small cap stocks).

To Invest or to know more contact your Financial Advisor today

Riskometer

Moderately Moderate High This product is suitable for investors High who are seeking#: Low to Moderate V ery High

Low Capital appreciation over long term.

LOW HIGH Investment predominantly in equity and Investors understand that their principal equity related instruments. will be at Very High risk

#Investors should consult their financial advisers if in doubt about whether the product issuitable for them. *The logo belongs to Bank of Baroda and is used under license. Riskometer is based on scheme's portfolio as on February 28, 2021.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. The Bank of Baroda logo belongs to Bank of Baroda CIO LETTER - February 2021 and is used under license

Mr. Sanjay Chawla Chief Investment Officer

Dear Investors, Warm Greetings! Post correction in January 2021, the markets rallied by 6% during the month of February 2021, to close at all time high levels of 14,530 level. The month started on a positive note with the announcement of the Union Budget. Key benchmark indices gained as there was no change in tax rates, focus was on growth and increase in spending. Better-than-expected, 3QFY21 results also boosted investor sentiment. However, the market remained concerned about the sharp rise in bond yields and a sudden increase in Covid-19 cases in a few Indian states. Among various sectors, power, metal, realty, banking outperformed the markets while IT, FMCG underperformed. In the Monetary policy in February, the Monetary Policy Committee (“MPC”) kept the Repo rate and Reverse Repo rate unchanged. The MPC maintained its “Accommodative” stance. All Six members of MPC voted in favour of the decision. The RBI estimated inflation to average at 5%-5.2% in H1 FY22 and 4.3% in Q3 FY22. RBI expects GDP to grow by 10.5% in FY22. RBI likely to maintain accommodative stance as long as the prospect of sustained recovery is well secured while closely monitoring growth inflation dynamics. In the post policy conference, Governor acknowledged that the recent growth was not due to pent up demand but actual revival in growth across segments. Foreign Portfolio Investors (“FPI”) flows continued to be strong with fresh buy of US$4 bn worth of equities in the month of February while Domestic Institutional Investors (DIIs) sold US$2.3 bn. On a year-to-date basis, FPIs invested USD5bn in equities while DIIs sold USD3.9bn during the year. In December 2020, industrial production based on Index of Industrial Production (IIP) grew by 1% YoY against growth of 0.5% in the corresponding month of last year and de-growth of 2.1% in November 2020. However, the eight core sectors which carry nearly 40% weightage in the IIP registered a negative growth of 1.3% in December 2020. Favourable base effects coupled with growth in the manufacturing and electricity segment supported the positive IIP growth of 1% in December 2020. Based upon the use-based classification all segments except primary goods segment registered a positive growth which might look like economic revival is gaining traction albeit at a marginal pace. Inflation continued to surprise on the downside for the third consecutive month, printing 4.1% in January 2021 after 4.6% in December 2020. This is the lowest inflation recorded in the last 16 months. The sharp correction was led by easing of food inflation, while core inflation budged marginally – pretty much the same theme as seen in December 2020. Food inflation slumped to 1.9% in the month of January 2021 on an annualized basis after 3.4% prior (December 2020) and average of ~10% in Apr-Nov’20, owing to sequential contraction in vegetables, cereals and protein complex. The markets have rallied by 33% over the last one year. Nifty valuations are at higher than five-year averages. However, earning growth is strong and we may see earnings upgrade for Nifty. For 3QFY21, Nifty revenues declined by 1% YoY, but net profit grew by 22% vs street estimates of 7% growth, could be considered as a significant beat. This may be probably the finest YoY growth seen in last five years. Consequently, NIFTY Earning Per Share may likely grow at around 16% YoY during FY21. For FY22, street expectations may be for around 32% growth in earnings and further there may be around 20% earnings growth in FY23. Elevated valuations might sustain, if earnings growth come through. We remain cautiously optimistic on the equity. Sanjay Chawla Chief Investment Officer Sources: Bloomberg, Economic Time Mutual Fund investments are subject market risks, read all scheme related documents carefully.

2 The Bank of Baroda logo belongs to Bank of Baroda and is used under license

INDEX

How To Read Factsheet Pg 4 Baroda Multi Cap Fund Pg 5 Baroda ELSS’ 96 Pg 6 Baroda Large Cap Fund Pg 7 Baroda Large & Mid Cap Fund Pg 8 Baroda Mid Cap Fund Pg 9 Baroda Banking and Financial Services Fund Pg 10 Baroda Hybrid Equity Fund Pg 11 Baroda Dynamic Equity Fund Pg 12 Baroda Equity Savings Fund Pg 13 Baroda Conservative Hybrid Fund Pg 14

Baroda Credit Risk Fund (scheme has one segregated portfolio) Pg 15 Baroda Gilt Fund Pg 16 Baroda Dynamic Bond Fund Pg 17 Baroda Short Term Bond Fund Pg 18 Baroda Banking & PSU Bond Fund Pg 19

Baroda Treasury Advantage Fund (scheme has one segregated portfolio) Pg 20 Baroda Ultra Short Duration Fund Pg 21 Baroda Liquid Fund Pg 22 Baroda Money Market Fund Pg 23 Baroda Overnight Fund Pg 24 Investment Performance Pg 25 SIP Returns Pg 28 Dividend History Pg 29

3 How To Read Factsheet?

The Bank of Baroda logo belongs to Bank of Baroda and is used under license

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 th The Bank of Baroda logo belongs to Bank of Baroda cap, mid-cap and small cap stocks. 28 February, 2021 and is used under license

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 DCB Bank Ltd. Banks 1.41% Benchmark Listed / awaiting listing on the stock exchanges V-Mart Retail Ltd. Retailing 1.40% NIFTY 500 Multicap 50:25:25 TRI^@ Ltd. Software 7.26% Ultratech Cement Ltd. Cement 1.40% Total Return variant of the Benchmark Index(TRI) Ltd. Petroleum Products 6.40% Karur Vysya Bank Ltd. Banks 1.33% ICICI Bank Ltd. Banks 5.62% Narayana Hrudayalaya Ltd. Healthcare Services 1.31% Minimum Investment HDFC Bank Ltd. Banks 5.61% Gulf Oil Lubricants Ltd. Petroleum Products 1.25% Indian Energy Exchange Ltd. Finance 2.68% Godrej Properties Ltd. Construction 1.25% ` 5,000/- & in multiples of ` 1/- thereafter Consumer Non Consumer Non Radico Khaitan Ltd. 2.48% Ltd. 1.25% Durables Durables Ltd. Consumer Durables 1.22% Load Structure Jindal Steel & Power Ltd. Ferrous Metals 2.42% Non - Ferrous SIS Ltd. Commercial Services 1.11% Ltd. 2.42% Entry Load: NA Metals Polycab India Ltd. Industrial Products 1.09% Ltd. Software 2.18% Engineers India Ltd. Construction Project 1.06% Exit Load: 1%, if redeemed on or before 12 Dalmia Bharat Ltd. Cement 2.17% Indoco Remedies Ltd. Pharmaceuticals 1.03% months from the date of allotment of units, Nil Crompton Greaves Consumer Durables 2.04% Ltd. Chemicals 1.03% if redeemed after 12 months from the date of Consumer Electricals Ltd. allotment of units Ltd. Banks 1.01% Cummins India Ltd. Industrial Products 2.00% Media & Sun TV Network Ltd. 1.00% Escorts Ltd. Auto 2.00% Entertainment Sudarshan Chemical Media & Chemicals 1.99% Inox Leisure Ltd. 1.00% Plans & Option Industries Ltd. Entertainment Ltd. Telecom - Services 1.98% Bajaj Electricals Ltd. Consumer Durables 0.97% Plan A and Plan B (Direct) Sun Pharmaceutical Pharmaceuticals 1.96% India Ltd. Auto 0.91% A. Growth Option (default option in case no Industries Ltd. Rallis India Ltd. Pesticides 0.74% Can Fin Homes Ltd. Finance 1.94% option specified by investor); Total 98.77% B. Dividend Option Company Ltd. Power 1.93% Cholamandalam Investment TREPS / Reverse Repo Investments 1.40% 1. Payout Finance 1.90% Total 1.40% 2. Re-investment (default sub-option in case no & Finance Co. Ltd. Cash & Cash Equivalents option specified by investor) Mahindra & Mahindra Ltd. Auto 1.88% $ Housing Development Net Receivable/Payable -0.17% C. Bonus Option Finance 1.88% Finance Corporation Ltd. Total -0.17% Ltd. Software 1.87% Grand Total 100.00% Telecom SIP (Minimum) Sterlite Technologies Ltd. - Equipment & 1.85% Accessories ` 500/month - 12 Installments Indian Railway Catering & Services 1.79% ` 1500/quarter - 4 Installments Tourism Corporation Ltd. Aarti Industries Ltd. Chemicals 1.76% Ltd. Banks 1.66% AAUM & AUM VIP Industries Ltd. Consumer Durables 1.63% Happiest Minds Software 1.62% AAUM ` 991.33 Crs Technologies Ltd. AUM ` 984.22 Crs Ltd. Auto 1.57% Persistent Systems Ltd. Software 1.51%

Risk Profile 28 February 2021 Top 10 Industries Standard deviation 19.65% Sharpe@ 0.29 BANK Beta 0.95 Portfolio Turnover 1.13 Software Consumer Cement (last 12 months) Banks Finance Petroleum Auto Chemicals Consumer Industrial 16.64% 14.44% 8.40% Products 6.36% Durables 4.78% Non 3.57% Products @risk free rate (FBIL Overnight MIBOR) 3.47% 7.65% 5.86% Durables 3.09% 3.73%

Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 Total Expense Ratio as on 28th Feb, 2021 Plan A 2.50% Plan A ` Plan B (Direct) 1.58% Growth 129.56 Dividend 36.11 Plan B - Direct ` Fund Managers# Growth 139.18

Mr. Sanjay Chawla Dividend 36.87 (Experience 30 Years) This product is suitable for investors who are seeking* • Capital appreciation over long term. • Investment predominantly in equity and equity related instruments. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

$ 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 25 - 27 @Effective February 1, 2021 the benchmark of the Scheme is NIFTY 500 Multicap 50:25:25 TRI index ^ For Disclaimer please refer page no 27

5 Baroda ELSS’ 96 An open ended equity linked saving scheme with a statutory lock in of 3 years The Bank of Baroda logo belongs to Bank of Baroda and tax benefit. 28th February, 2021 and is used under license

Investment Objective To provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961.

Date of Inception Portfolio Portfolio Ratings / % to Net Ratings / % to Net March 31, 1996 Name of Instruments Name of Instruments Industries Assets Industries Assets EQUITY & EQUITY RELATED Metropolis Healthcare Ltd. Healthcare Services 1.52% Listed / awaiting listing on the stock exchanges Benchmark Titan Company Ltd. Consumer Durables 1.46% Infosys Ltd. Software 8.44% Consumer Non S&P BSE 200 TRI^ Emami Ltd. 1.44% Reliance Industries Ltd. Petroleum Products 7.18% Durables Total Return variant of the Benchmark Index Aditya Birla Fashion and HDFC Bank Ltd. Banks 7.15% Retailing 1.43% (TRI) Retail Ltd. ICICI Bank Ltd. Banks 6.35% Ultratech Cement Ltd. Cement 1.43% Dalmia Bharat Ltd. Cement 3.05% Minimum Investment The Ltd. Banks 1.41% Jindal Steel & Power Ltd. Ferrous Metals 2.61% SBI Cards & Payment Finance 1.38% ` 500/- & in multiples of ` 1/- thereafter Tech Mahindra Ltd. Software 2.38% Services Ltd. (India) Consumer Durables 1.34% DCB Bank Ltd. Banks 2.36% Ltd. Indian Energy Exchange Ltd. Finance 2.28% Tata Power Company Ltd. Power 1.23% Load Structure SRF Ltd. Industrial Products 2.25% Endurance Technologies Ltd. Auto Ancillaries 1.12% Entry Load: NA Axis Bank Ltd. Banks 2.25% Bata India Ltd. Consumer Durables 1.12% Exit Load: Nil Non - Ferrous Hindalco Industries Ltd. 2.12% Ltd. Textile Products 1.09% Metals City Union Bank Ltd. Banks 1.07% Gujarat Fluorochemicals Ltd. Chemicals 2.09% Plans & Option Pharmaceuticals 1.00% Polycab India Ltd. Industrial Products 2.08% Ltd. Plan A and Plan B (Direct) Cummins India Ltd. Industrial Products 2.04% Maruti Suzuki India Ltd. Auto 0.89% A. Growth Option (default option in case no Escorts Ltd. Auto 2.04% Gulf Oil Lubricants India Ltd. Petroleum Products 0.65% option specified by investor); Bharti Airtel Ltd. Telecom - Services 2.02% Indoco Remedies Ltd. Pharmaceuticals 0.39% B. Dividend Option Ashok Leyland Ltd. Auto 2.00% Total 98.64% 1. Payout Sun Pharmaceutical C. Bonus Option$ Pharmaceuticals 2.00% TREPS / Reverse Repo Investments 2.74% Industries Ltd. Crompton Greaves Total 2.74% Consumer Durables 2.00% Consumer Electricals Ltd. Cash & Cash Equivalents Can Fin Homes Ltd. Finance 1.98% Net Receivable/Payable -1.38% SIP (Minimum) HCL Technologies Ltd. Software 1.88% Total -1.38% ` 500/month - 12 Installments Mahindra & Mahindra Ltd. Auto 1.88% Grand Total 100.00% ` 1500/quarter - 4 Installments Persistent Systems Ltd. Software 1.72% Housing Development Finance 1.70% Finance Corporation Ltd. Consumer Non India Ltd. 1.69% Durables AAUM & AUM Indian Railway Catering & Services 1.60% AAUM ` 195.83 Crs Tourism Corporation Ltd. Media & Sun TV Network Ltd. 1.53% AUM ` 193.07 Crs Entertainment

Top 10 Industries

Risk Profile 28 February 2021 BANK Standard deviation 19.91% Sharpe@ 0.14 Beta 0.93 Banks Software Petroleum Finance Auto Industrial Consumer Cement Pharmaceuticals Consumer 20.59% 14.42% 7.34% 6.81% Products Durables 4.48% 3.39% Non Portfolio Turnover Products 1.08 6.37% 5.92% Durables (last 12 months) 7.83% 3.13% @risk free rate (FBIL Overnight MIBOR) 3.47% Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Total Expense Ratio Plan A ` Plan A 2.58% Growth 55.92 Plan B (Direct) 1.81% Bonus 55.92 Dividend 34.30 Plan B - Direct ` Fund Managers# Growth 60.83 Bonus 60.83 Mr. Sanjay Chawla Dividend 42.30 (Experience 30 Years) This product is suitable for investors who are seeking* • Capital growth over long term. • Investment predominantly in equity and equity related instruments. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

$ 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 25 - 27 ^ For Disclaimer please refer page no 27

6 Baroda Large Cap Fund Large Cap Fund – An open-ended equity scheme pre-dominantly The Bank of Baroda logo belongs to Bank of Baroda investing in large cap stocks. 28th February, 2021 and is used under license

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. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Date of Inception Portfolio Portfolio Ratings / % to Net Ratings / % to Net Name of Instruments Name of Instruments June 22, 2010 Industries Assets Industries Assets EQUITY & EQUITY RELATED Larsen & Toubro Ltd. Construction Project 1.50% Benchmark Listed / awaiting listing on the stock exchanges HDFC Bank Ltd. Banks 9.37% Polycab India Ltd. Industrial Products 1.47% Nifty 100 TRI^@ Infosys Ltd. Software 9.19% Titan Company Ltd. Consumer Durables 1.37% Total Return variant of the Benchmark Index (TRI) Reliance Industries Ltd. Petroleum Products 7.39% Corporation Ltd. Petroleum Products 1.37% Industrial Capital ICICI Bank Ltd. Banks 7.30% Ltd. Goods 1.36% Minimum Investment Housing Development SBI Cards & Payment Finance 1.31% Finance Corporation Ltd. Finance 2.95% Services Ltd. Consumer Non ` 5,000/- & in multiples of ` 1/- thereafter Sun Pharmaceutical Ltd. 1.30% Industries Ltd. Pharmaceuticals 2.91% Durables SBI Life Insurance Company Bharti Airtel Ltd. Telecom - Services 2.72% Ltd. Finance 1.27% Load Structure Consumer Non Axis Bank Ltd. Banks 2.66% India Ltd. Durables 1.25% Housing Development Entry Load: NA Ultratech Cement Ltd. Cement 2.61% Finance Corporation Ltd. Finance 1.24% Exit Load: 1.00%, if redeemed on or before Ltd. Banks 2.61% Pidilite Industries Ltd. Chemicals 1.24% 365 days from the date of allotment of units, Consumer Non Hindalco Industries Ltd. Non - Ferrous 2.49% ITC Ltd. 1.12% Nil, if redeemed after 365 days from the date Metals Durables HDFC Life Insurance of allotment of units. Lupin Ltd. Pharmaceuticals 2.49% Company Ltd. Finance 1.11% Tech Mahindra Ltd. Software 2.24% IndusInd Bank Ltd. Banks 1.04% Plans & Option HCL Technologies Ltd. Software 2.22% Maruti Suzuki India Ltd. Auto 1.01% Plan A and Plan B (Direct) Ashok Leyland Ltd. Auto 2.20% Ltd. Finance 0.79% A. Growth Option (default option in case no Tata Consultancy Services Software 2.12% Total 96.89% option specified by investor); Ltd. B. Dividend Option Mahindra & Mahindra Ltd. Auto 2.07% TREPS / Reverse Repo Investments 7.79% 1. Payout; Dabur India Ltd. Consumer Non 1.84% Total 7.79% 2. Reinvestment (default sub-option in case Durables no option specified by investor) Avenue Supermarts Ltd. Retailing 1.83% Cash & Cash Equivalents C. Bonus Option$ Ltd. Ferrous Metals 1.75% Net Receivable/Payable -4.68% Consumer Non Total -4.68% Nestle India Ltd. Durables 1.57% SIP (Minimum) State Banks 1.57% Grand Total 100.00% ` 500/month - 12 Installments Cummins India Ltd. Industrial Products 1.54% ` 1500/quarter - 4 Installments Indian Railway Catering & Tourism Corporation Ltd. Services 1.50%

AAUM & AUM Top 10 Industries AAUM ` 41.96 Crs AUM ` 40.95 Crs BANK

Risk Profile 28 February 2021 Banks Software Petroleum Finance Consumer Pharmaceuticals Auto Industrial Telecom Cement Standard deviation 19.74% 24.55% 15.77% Products 8.67% Non 5.40% 5.28% Products Services 2.61% Sharpe@ 0.38 8.76% Durables 3.01% 2.72% 7.08% Beta 0.82 Portfolio Turnover Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 0.96 as on 28th Feb, 2021 (last 12 months) Plan A ` @risk free rate (FBIL Overnight MIBOR) 3.47% Growth 18.58 Dividend 14.78 Plan B - Direct ` Total Expense Ratio Growth 19.67 Plan A 2.64% Dividend 15.79 Plan B (Direct) 1.75%

This product is suitable for investors who are seeking* 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 30 Years) * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. $ 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 25 - 27 ^ For Disclaimer please refer page no 27 @Baroda Large Cap Fund (“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 merchant ability 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 Nifty100, or particularly in the ability of the Nifty 100, to track general stock market performance in India.

7 Baroda Large & Mid-Cap Fund An open-ended equity scheme investing in both large cap and mid cap The Bank of Baroda logo belongs to Bank of Baroda stocks. 28th February, 2021 and is used under license

Investment Objective The primary objective of the Scheme is to seek long term capital growth through investments in both large cap and mid cap stocks. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Date of Inception Portfolio Portfolio Ratings / % to Net Ratings / % to Net September 4, 2020 Name of Instruments Name of Instruments Industries Assets Industries Assets Benchmark EQUITY & EQUITY RELATED Axis Bank Ltd. Banks 1.08% SBI Life Insurance Company Listed / awaiting listing on the stock exchanges Finance 1.08% S&P BSE 250 Large Mid Cap 65:35 TRI** Infosys Ltd. Software 7.79% Ltd. Total Return variant of the Benchmark Index (TRI) Reliance Industries Ltd. Petroleum Products 7.03% Page Industries Ltd. Textile Products 1.05% HDFC Bank Ltd. Banks 6.61% Maruti Suzuki India Ltd. Auto 1.02% Minimum Investment ICICI Bank Ltd. Banks 4.96% Bata India Ltd. Consumer Durables 0.95% Jindal Steel & Power Ltd. Ferrous Metals 3.34% Polycab India Ltd. Industrial Products 0.89% Purchase: `5,000/- & in multiples of `1/- Tata Consultancy Services Ltd. Software 2.88% Alembic Pharmaceuticals Ltd. Pharmaceuticals 0.85% thereafter Hindalco Industries Ltd. Non - Ferrous Metals 2.74% Persistent Systems Ltd. Software 0.82% Ultratech Cement Ltd. Cement 0.76% Additional Purchase : `1,000/- and in Bharti Airtel Ltd. Telecom - Services 2.67% Cummins India Ltd. Industrial Products 2.61% HCL Technologies Ltd. Software 0.75% multiples of `1/- thereafter. Crompton Greaves Consumer Kotak Mahindra Bank Ltd. Banks 0.74% Re-purchase: No minimum amount Electricals Ltd. Consumer Durables 2.55% Tech Mahindra Ltd. Software 0.61% AU Small Finance Bank Ltd. Banks 2.52% Aditya Birla Fashion and Retail Ltd. Retailing 0.61% Load Structure Sun Pharmaceutical Industries Pharmaceuticals 2.46% Ltd. Nestle India Ltd. Consumer Non 0.53% Entry Load: NA Lupin Ltd. Pharmaceuticals 2.19% Durables Exit Load: If Units are redeemed upto 10% of Mahindra & Mahindra Ltd. Auto 2.14% Ltd. Software 0.53% Aarti Industries Ltd. Chemicals 2.05% Consumer Non the Units, on or before 365 days from the date Berger Paints India Ltd. Durables 0.28% of allotment of Units: NIL Tata Power Company Ltd. Power 1.97% Escorts Ltd. Auto 1.96% Total 99.24% If Units are redeemed over and above the 10% Dalmia Bharat Ltd. Cement 1.90% TREPS / Reverse Repo Investments 1.94% limit, on or before 365 days from the date of al- Dabur India Ltd. Consumer Non 1.88% lotment of Units: 1% of the applicable Net Asset Durables Total 1.94% Sanofi India Ltd. Pharmaceuticals 1.78% Value (NAV) - Cash & Cash Equivalents Ltd. Retailing 1.77% If Units are redeemed after 365 days from the Glaxosmithkline Net Receivable/Payable -1.18% date of allotment of Units: NIL Pharmaceuticals Ltd. Pharmaceuticals 1.70% Total -1.18% The above Exit Load will be applicable on a FIFO Mphasis Ltd. Software 1.64% Media & Grand Total 100.00% (First-In-First-Out) basis, to all subscription trans- Sun TV Network Ltd. Entertainment 1.64% actions, excluding switch-ins. Enterprise Ltd. Healthcare Services 1.52% Plans & Option Ashok Leyland Ltd. Auto 1.50% Indian Energy Exchange Ltd. Finance 1.46% Plans: Regular and Direct Container Corporation of Transportation 1.39% A. Growth Option (default option in case no India Ltd. Can Fin Homes Ltd. Finance 1.34% option specified by investor); Emami Ltd. Consumer Non 1.32% B. Dividend Option Durables Indian Railway Catering & 1. Payout Tourism Corporation Ltd. Services 1.31% 2. Re-investment (default sub-option in case no Housing Development Finance Finance 1.28% option specified by investor) Corporation Ltd. Endurance Technologies Ltd. Auto Ancillaries 1.25% SBI Cards & Payment Services SIP (Minimum) Ltd. Finance 1.24% Larsen & Toubro Ltd. Construction Project 1.20% SIP - ` 500/month - 12 Installments City Union Bank Ltd. Banks 1.10% ` 1500/quarter - 4 Installments Top 10 Industries AAUM & AUM AAUM ` 612.37 Crs BANK AUM ` 603.09 Crs

Risk Profile 28 February 2021 Banks Software Pharmaceuticals Petroleum Auto Finance Consumer Industrial Consumer Ferrous Metals Standard deviation - 17.01% 15.02% 8.98% Products 6.62% 6.40% Non Products Durables 3.34% Sharpe@ - 7.03% Durables 3.50% 3.50% Beta - 4.01% Portfolio Turnover - (last 12 months) Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 @risk free rate (FBIL Overnight MIBOR) 3.47% Regular ` Total Expense Ratio Growth 12.69 Regular 2.38% Dividend 12.69 Direct 0.32% Direct ` Growth 12.82 Dividend 12.82

# Fund Managers This product is suitable for investors who are seeking* • Capital appreciation over long term. Mr. Sanjay Chawla • Investment predominantly in equity and equity related instru- (Experience 30 Years) ments of large and midcap stocks. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Mr. Ashwani Kumar Agarwalla

(Experience 15 Years) ** For Disclaimer please refer page no 27. # For performance of the Scheme and other funds managed by the said Fund manager, either (Dedicated fund manager for individually or jointly, please refer page no 25 - 27 overseas investments)

8 Baroda Mid-Cap Fund Mid Cap Fund – An open-ended equity scheme pre-dominantly The Bank of Baroda logo belongs to Bank of Baroda investing in mid cap stocks. 28th February, 2021 and is used under license

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.

Date of Inception Portfolio Portfolio Ratings / % to Net Ratings / % to Net October 4, 2010 Name of Instruments Name of Instruments Industries Assets Industries Assets Benchmark EQUITY & EQUITY RELATED Can Fin Homes Ltd. Finance 1.90% Listed / awaiting listing on the stock exchanges S&P BSE Mid-cap TRI index^ Bata India Ltd. Consumer Durables 1.85% Dalmia Bharat Ltd. Cement 5.27% Total Return variant of the Benchmark Index Fertilisers 1.77% (TRI) Ltd. Power 4.55% Ltd. Crompton Greaves Consumer Durables 4.24% Aarti Industries Ltd. Chemicals 1.70% Minimum Investment Consumer Electricals Ltd. DCB Bank Ltd. Banks 4.21% AU Small Finance Bank Ltd. Banks 1.45% ` 5,000/- & in multiples of ` 1/- thereafter Consumer Non Media & Emami Ltd. 4.18% Sun TV Network Ltd. 1.36% Durables Entertainment Load Structure Navin Fluorine International Graphite India Ltd. Industrial Products 1.32% Chemicals 3.73% Ltd. Entry Load: NA Endurance Technologies Ltd. Auto Ancillaries 1.32% Polycab India Ltd. Industrial Products 3.68% Exit Load: 1.00%, if redeemed on or before 365 Page Industries Ltd. Textile Products 1.29% days from the date of allotment of units, Trent Ltd. Retailing 3.41% Dixon Technologies (India) Indian Railway Catering & Consumer Durables 1.27% Nil, if redeemed after 365 days from the date of Services 3.23% Ltd. allotment of units. Tourism Corporation Ltd. PNC Infratech Ltd. Construction 1.23% Sanofi India Ltd. Pharmaceuticals 3.03% City Union Bank Ltd. Banks 0.91% Mphasis Ltd. Software 3.02% Ltd. Pharmaceuticals 0.89% Plans & Option Ashok Leyland Ltd. Auto 2.95% Alembic Pharmaceuticals Plan A and Plan B (Direct) Consumer Non Pharmaceuticals 0.84% Radico Khaitan Ltd. 2.93% Ltd. Durables A. Growth Option (default option in case no Indoco Remedies Ltd. Pharmaceuticals 0.43% option specified by investor); Cummins India Ltd. Industrial Products 2.89% B. Dividend Option Metropolis Healthcare Ltd. Healthcare Services 2.88% Total 98.13% 1. Payout; TREPS / Reverse Repo Investments 4.02% 2. Reinvestment (default sub-option in case no Jindal Steel & Power Ltd. Ferrous Metals 2.77% option specified by investor) Aditya Birla Fashion and Total 4.02% $ Retailing 2.69% C. Bonus Option Retail Ltd. Cash & Cash Equivalents Tata Power Company Ltd. Power 2.62% Net Receivable/Payable -2.15% RBL Bank Ltd. Banks 2.59% SIP (Minimum) Total -2.15% Indian Energy Exchange Ltd. Finance 2.42% ` 500/month - 12 Installments Grand Total 100.00% Escorts Ltd. Auto 2.40% ` 1500/quarter - 4 Installments Cholamandalam Investment Finance 2.38% & Finance Co. Ltd. AAUM & AUM Coforge Ltd. Software 2.33% AAUM ` 53.88 Crs Persistent Systems Ltd. Software 2.28% AUM ` 54.52 Crs The Federal Bank Ltd. Banks 1.92%

Risk Profile 28 February 2021 Standard deviation 18.45% Sharpe@ 0.27 Top 10 Industries Beta 0.84 Portfolio Turnover BANK 1.37 (last 12 months) @risk free rate (FBIL Overnight MIBOR) 3.47% Banks Industrial Software Consumer Power Consumer Finance Retailing Chemicals Auto Total Expense Ratio 11.08% Products 7.63% Durables 7.17% Non 6.70% 6.10% 5.43% 5.35% 7.89% 7.36% Durables Plan A 2.58% 7.11% Plan B (Direct) 1.57% Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Fund Managers# Plan A ` Growth 12.54 Mr. Sanjay Chawla (Experience 30 Years) Dividend 12.54 Plan B - Direct ` Growth 13.40 Dividend 13.40

This product is suitable for investors who are seeking* • Capital appreciation over long term. • Investment predominantly in equity and equity related securities of growth oriented Mid-Cap stocks. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

$ 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 25 - 27 ^ For Disclaimer please refer page no 27

9 Baroda Banking and Financial Services Fund An open ended equity scheme investing in the Banking and Financial

Services sector. th The Bank of Baroda logo belongs to Bank of Baroda 28 February, 2021 and is used under license

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.

Date of Inception Portfolio Portfolio Ratings / % to Net Ratings / % to Net June 22, 2012 Name of Instruments Name of Instruments Industries Assets Industries Assets EQUITY & EQUITY RELATED Karur Vysya Bank Ltd. Banks 1.58% Listed / awaiting listing on the stock exchanges Benchmark Max Financial Services Ltd. Finance 1.53% HDFC Bank Ltd. Banks 24.32% SBI Cards & Payment Nifty Bank Index TRI^ Finance 1.41% ICICI Bank Ltd. Banks 13.68% Services Ltd. Total Return variant of the Benchmark Index Axis Bank Ltd. Banks 9.57% City Union Bank Ltd. Banks 1.16% (TRI) SBI Life Insurance Company Kotak Mahindra Bank Ltd. Banks 7.84% Finance 1.15% Ltd. Banks 5.50% Housing Development Minimum Investment Finance 1.12% IndusInd Bank Ltd. Banks 3.74% Finance Corporation Ltd. ` 5,000/- & in multiples of ` 1/- thereafter ICICI Lombard General DCB Bank Ltd. Banks 3.07% Finance 1.00% Insurance Company Ltd. RBL Bank Ltd. Banks 2.49% Nippon Life India Asset Finance 0.19% Load Structure AU Small Finance Bank Ltd. Banks 2.38% Management Ltd. Housing Development Finance 2.21% ICRA Ltd. Finance 0.10% Entry Load: NA Finance Corporation Ltd. Total 97.62% Exit Load: 1.00% if redeemed on or before The Federal Bank Ltd. Banks 2.21% TREPS / Reverse Repo Investments 5.18% 12 months from the date of allotment of Mahindra & Mahindra Finance 2.19% units, Financial Services Ltd. Total 5.18% Nil if redeemed after 12 months from the Can Fin Homes Ltd. Finance 2.02% Cash & Cash Equivalents date of allotment of units Bank of Baroda Banks 1.88% Net Receivable/Payable -2.80% HDFC Life Insurance Plans & Option Finance 1.85% Total -2.80% Company Ltd. Grand Total 100.00% Plan A and Plan B (Direct) Cholamandalam Investment Finance 1.83% A. Growth Option (default option in case no & Finance Co. Ltd. option specified by investor); Muthoot Finance Ltd. Finance 1.60% 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 Cash & Equivalent 79.42% 18.20% 2.38%` ` 1500/quarter - 4 Installments

AAUM & AUM AAUM ` 58.33 Crs Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 AUM ` 56.79 Crs Plan A ` Growth 28.32 Dividend 19.25 Risk Profile 28 February 2021 Plan B - Direct ` Standard deviation 26.78% Growth 30.16 Sharpe@ 0.30 Dividend 20.81 Beta 0.89 Portfolio Turnover 0.75 (last 12 months) This product is suitable for investors who are seeking* @risk free rate (FBIL Overnight MIBOR) 3.47% • Capital appreciation over long term. • Investment predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Total Expense Ratio Sector. Plan A 2.74% * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Plan B (Direct) 1.75%

$ The Bonus Option in the Schemes has been discontinued effective June 08, 2015 # Fund Manager # For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27 ^ For Disclaimer please refer page no 27 Mr. Sanjay Chawla& (Experience 30 Years)

& Mr. Chawla is managing the Scheme effective From 1st January 2021 onwards

10 Baroda Hybrid Equity Fund An open ended hybrid scheme investing predominantly in equity and equity The Bank of Baroda logo belongs to Bank of Baroda related instruments. 28th February, 2021 and is used under license

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.

Date of Inception Portfolio Portfolio % to % to September 12, 2003 Ratings / Ratings / Name of Instruments Net Name of Instruments Net Industries Industries Assets Assets Benchmark EQUITY & EQUITY RELATED Polycab India Ltd. Industrial Products 0.98% Listed / awaiting listing on the stock exchanges Indian Railway Catering & Infosys Ltd. Software 7.34% Services 0.94% CRISIL Hybrid 35+65 – Aggressive Index Tourism Corporation Ltd. HDFC Bank Ltd. Banks 6.74% Maruti Suzuki India Ltd. Auto 0.92% Aditya Birla Fashion and Retail Reliance Industries Ltd. Petroleum Products 5.61% Retailing 0.67% Ltd. ICICI Bank Ltd. Banks 5.54% Sudarshan Chemical Industries Chemicals 0.50% Hindalco Industries Ltd. Non - Ferrous Metals 2.32% Ltd. Minimum Investment Tech Mahindra Ltd. Software 2.24% Total 76.95% Escorts Ltd. Auto 2.24% BONDS & NCDs ` 5,000/- & in multiples of ` 1/- thereafter Listed/awaiting listing on the stock exchanges HCL Technologies Ltd. Software 2.22% ICICI Bank Ltd.( Tier I Bond Housing Development Finance [ICRA]AA+ 6.81% Finance 2.17% under Basel III ) Corporation Ltd. Bank of Baroda( AT1 Bond CRISIL AA+ 4.78% Load Structure Dabur India Ltd. Consumer Non Durables 2.15% under Basel III ) Motilal Oswal Home Finance Dalmia Bharat Ltd. Cement 2.10% [ICRA]A+ 1.51% Entry Load: NA Ltd. Bharti Airtel Ltd. Telecom - Services 1.97% HDFC Bank Ltd. CRISIL AAA 1.32% Exit Load: 1% if redeemed on or before 12 Mahindra & Mahindra Ltd. Auto 1.97% Ltd. CRISIL AAA 1.23% Crompton Greaves Consumer months from the date of allotment of units, Consumer Durables 1.88% National Bank for Agriculture Electricals Ltd. CRISIL AAA 1.09% Sun Pharmaceutical Industries and Rural Development Nil if redeemed after 12 months from the Pharmaceuticals 1.81% Ltd. Muthoot Finance Ltd. [ICRA]AA 0.99% date of allotment of units Indian Railway Finance Ultratech Cement Ltd. Cement 1.79% CRISIL AAA 0.68% Corporation Ltd. Axis Bank Ltd. Banks 1.68% Total 18.41% Plans & Option Indian Energy Exchange Ltd. Finance 1.61% Central Government Securities Titan Company Ltd. Consumer Durables 1.54% 8.24% CGL 2027 Sovereign 0.35% Plan A and Plan B (Direct) Solar Industries India Ltd. Chemicals 1.50% 7.59% CGL 2026 Sovereign 0.26% A. Growth Option (default option in case no Cummins India Ltd. Industrial Products 1.44% 7.88% CGL 2030 Sovereign 0.19% option specified by investor); Jindal Steel & Power Ltd. Ferrous Metals 1.43% 8.28% CGL 2027 Sovereign 0.03% B. Dividend Option Tata Power Company Ltd. Power 1.39% Total 0.83% SBI Cards & Payment Services Finance 1.30% 1. Payout; Ltd. State Government Securities 9.72% State Government of 2. Reinvestment (default sub-option in case Ashok Leyland Ltd. Auto 1.26% Sovereign 1.34% no option specified by investor) Punjab 2023 Sanofi India Ltd. Pharmaceuticals 1.21% Total 1.34% C. Bonus Option$ Can Fin Homes Ltd. Finance 1.17% TREPS / Reverse Repo Investments 2.81% Emami Ltd. Consumer Non Durables 1.11% Total 2.81% Sun TV Network Ltd. Media & Entertainment 1.08% SIP (Minimum) Cash & Cash Equivalents Bata India Ltd. Consumer Durables 1.05% Net Receivable/Payable -0.34% ` 500/month - 12 Installments Alembic Pharmaceuticals Ltd. Pharmaceuticals 1.03% Total -0.34% Page Industries Ltd. Textile Products 1.03% ` 1500/quarter - 4 Installments Grand Total 100.00% Persistent Systems Ltd. Software 1.01% City Union Bank Ltd. Banks 1.01% DERIVATIVES / Stock Futures Long / % to Name of the Instrument Short AUM AAUM & AUM National Stock Exchange of India Ltd. 25-MAR-21 Long 0.80 Derivatives Total 0.80 AAUM ` 421.31 Crs AUM ` 409.81 Crs Top 10 Industries

Risk Profile 28 February 2021 BANK Standard deviation 15.18% Sharpe@ 0.23 Banks Software [ICRA] Auto Finance Petroleum CRISIL AA+ Consumer CRISIL AAA Pharmaceuticals Beta 1.10 14.97% 12.81% AA+ 6.39% 6.25% Products 4.78% Durables 4.32% 4.05% 6.81% 5.61% 4.47% Portfolio Turnover 0.88 (last 12 months) Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 @risk free rate (FBIL Overnight MIBOR) 3.47% as on 28th Feb, 2021 Plan A ` Growth 68.07 Total Expense Ratio Dividend 16.98 Plan A 2.51% Plan B - Direct ` Plan B (Direct) 1.81% Growth 74.23 Dividend 19.78 Fund Managers# This product is suitable for investors who are seeking* • Capital appreciation along with stability over long term. Mr. Sanjay Chawla • Investment predominantly in equity and equity related instru- (Experience 30 Years) ments with balance exposure to money market instruments and debt securities. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

$ 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 25 - 27

11 Baroda Dynamic Equity Fund An open ended dynamic asset allocation fund The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license

Investment Objective 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.

Date of Inception Portfolio Portfolio % to % to November 14, 2018 Ratings / Ratings / Name of Instruments Net Name of Instruments Net Industries Industries Benchmark Assets Assets EQUITY & EQUITY RELATED Aditya Birla Housing Finance Ltd. [ICRA]AAA 0.92% Listed / awaiting listing on the stock exchanges Larsen & Toubro Ltd. CRISIL AAA 0.74% 50% S&P BSE 200 TRI^ Index and 50% Infosys Ltd. Software 5.97% Power Finance Corporation Ltd. CRISIL AAA 0.52% ICICI Bank Ltd. Banks 5.63% IndusInd Bank Ltd.( AT1 Bond CRISIL AA 0.51% CRISIL Short Term Bond Fund Index HDFC Bank Ltd. Banks 4.38% under Basel III ) Aditya Birla Finance Ltd. [ICRA]AAA 0.29% Total Return variant of the Benchmark Housing Development Finance Finance 3.76% Corporation Ltd. Housing and Urban [ICRA]AAA 0.21% Index(TRI) Hindalco Industries Ltd. Non - Ferrous Metals 3.44% Development Corporation Ltd. Reliance Industries Ltd. Petroleum Products 3.38% Indian Oil Corporation Ltd. CRISIL AAA 0.20% Bharti Airtel Ltd. Telecom - Services 2.20% National Highways Authority Tata Power Company Ltd. Power 1.92% of India CRISIL AAA 0.19% Minimum Investment Axis Bank Ltd. Banks 1.91% Bank of Baroda( AT1 Bond Larsen & Toubro Ltd. Construction Project 1.88% CRISIL AA+ 0.10% ` 5,000/- & in multiples of ` 1/- thereafter under Basel III ) Consumer Non Total 16.71% Ltd. Durables 1.86% Jindal Steel & Power Ltd. Ferrous Metals 1.75% CENTRAL GOVERNMENT SECURITIES Maruti Suzuki India Ltd. Auto 1.71% 7.37% CGL 2023 Sovereign 2.67% Load Structure Consumer Non 6.84% CGL 2022 Sovereign 2.64% Dabur India Ltd. Durables 1.53% 5.09% CGL 2022 Sovereign 2.56% Entry Load: NA IndusInd Bank Ltd. Banks 1.43% 8.13% CGL 2021 Sovereign 1.04% Ltd. Auto 1.40% 6.68% CGL 2031 Sovereign 0.76% Exit Load: If units are redeemed upto 10% Tech Mahindra Ltd. Software 1.40% 7.17% CGL 2028 Sovereign 0.54% of the units, on or before one year from the Ltd. Ferrous Metals 1.31% Total 10.21% Commercial Paper Housing Development Finance Finance 1.30% date of allotment : Nil Corporation Ltd. IIFL Finance Ltd. CRISIL A1+ 1.01% Tata Consultancy Services Ltd. Software 1.29% Total 1.01% If units are redeemed over and above the Reliance Industries Ltd. Petroleum Products 1.27% Certificate of Deposits 10% limit, on or before one year from the Sun Pharmaceutical Industries Pharmaceuticals 1.25% Ltd. National Bank for Agriculture CRISIL A1+ 0.50% date of allotment : 1% of the applicable Net Mahindra & Mahindra Ltd. Auto 1.10% and Rural Development Asset Value (NAV) Escorts Ltd. Auto 1.06% Total 0.50% Dalmia Bharat Ltd. Cement 1.05% TREPS / Reverse Repo Investments 4.29% If units are redeemed after one year from the City Union Bank Ltd. Banks 0.84% Ultratech Cement Ltd. Cement 0.81% Total 4.29% date of allotment: Nil Cash & Cash Equivalents Indian Railway Catering & Services 0.80% Tourism Corporation Ltd. Net Receivable/Payable 1.57% Ashok Leyland Ltd. Auto 0.78% Plans & Option Total 1.57% Crompton Greaves Consumer Grand Total 100.00% Electricals Ltd. Consumer Durables 0.78% Regular and Direct Sun TV Network Ltd. Media & 0.75% Entertainment DERIVATIVES / Stock Futures A. Growth Option (default option in case no Indian Energy Exchange Ltd. Finance 0.74% Name of the Instrument Long / % to option specified by investor); Emami Ltd. Consumer Non 0.69% Short AUM Durables Housing Development Finance Corporation Ltd. 25-MAR-21 Short (3.78) B. Daily Dividend Polycab India Ltd. Industrial Products 0.68% Hindalco Industries Ltd. 25-MAR-21 Short (2.07) 1. Payout; Persistent Systems Ltd. Software 0.59% Tata Power Company Ltd. 25-MAR-21 Short (1.92) Ltd. Cement 0.53% Larsen & Toubro Ltd. 25-MAR-21 Short (1.89) 2. Reinvestment (default sub-option in case Can Fin Homes Ltd. Finance 0.48% ICICI Bank Ltd. 25-MAR-21 Short (1.85) no option specified by investor) Lupin Ltd. Pharmaceuticals 0.46% Infosys Ltd. 25-MAR-21 Short (1.53) Hindustan Unilever Ltd. Consumer Non 0.38% IndusInd Bank Ltd. 25-MAR-21 Short (1.43) Durables Tata Motors Ltd. 25-MAR-21 Short (1.41) HCL Technologies Ltd. Software 0.37% Steel Authority of India Ltd. 25-MAR-21 Short (1.32) SIP (Minimum) UPL Ltd. Pesticides 0.20% Tata Consultancy Services Ltd. 25-MAR-21 Short (1.30) Radico Khaitan Ltd. Consumer Non 0.20% Reliance Industries Ltd. 25-MAR-21 Short (1.28) ` 500/month - 12 Installments Durables Bharti Airtel Ltd. 25-MAR-21 Short (1.08) JSW Steel Ltd. Ferrous Metals 0.19% Asian Paints Ltd. 25-MAR-21 Short (1.06) ` 1500/quarter - 4 Installments DCB Bank Ltd. Banks 0.14% Maruti Suzuki India Ltd. 25-MAR-21 Short (0.90) Vedanta Ltd. Non - Ferrous Metals 0.07% Axis Bank Ltd. 25-MAR-21 Short (0.89) Tata Steel Ltd. Ferrous Metals 0.05% Sun Pharmaceutical Industries Ltd. 25-MAR-21 Short (0.89) AAUM & AUM Total 65.71% HDFC Bank Ltd. 25-MAR-21 Short (0.88) BONDS & NCDs Jindal Steel & Power Ltd. 25-MAR-21 Short (0.74) AAUM ` 954.78 Crs Listed/awaiting listing on the stock exchanges National Bank for Agriculture Grasim Industries Ltd. 25-MAR-21 Short (0.54) [ICRA]AAA 4.00% Lupin Ltd. 25-MAR-21 Short (0.46) AUM ` 985.91 Crs and Rural Development Hindustan Unilever Ltd. 25-MAR-21 Short (0.38) REC Ltd. CRISIL AAA 2.98% UPL Ltd. 25-MAR-21 Short (0.20) Indian Railway Finance CRISIL AAA 2.35% JSW Steel Ltd. 25-MAR-21 Short (0.20) Corporation Ltd. Vedanta Ltd. 25-MAR-21 Short (0.07) Risk Profile 28 February 2021 National Bank for Agriculture CRISIL AAA 1.45% Tata Steel Ltd. 25-MAR-21 Short (0.05) and Rural Development Derivatives Total (28.12) Portfolio Turnover Motilal Oswal Home Finance [ICRA]A+ 1.15% 2.97 Ltd. All corporate ratings are assigned by rating agencies like CRISIL; CARE; (last 12 months) HDFC Bank Ltd. CRISIL AAA 1.10% ICRA; IND; BWR. Top 10 Industries Total Expense Ratio Regular 2.34% BANK Direct 0.95% Banks Sovereign Software CRISIL AAA Finance Auto [ICRA] Consumer Petroleum Non-Ferrous # 14.33% 10.21% 9.62% 9.53% 6.28% 6.05% Non Products Metals Fund Managers AAA Durables 4.65% 3.51% 5.42% 4.66% Mr. Sanjay Chawla Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 (Experience 30 Years) as on 28th Feb, 2021 Regular `

Mr. Alok Sahoo Growth 14.36 (Experience 18 Years) Dividend 14.36 Direct ` Mr. Dipak Acharya Growth 14.84 (Experience 15 Years) Dividend 14.84

This product is suitable for investors who are seeking* • Capital appreciation over medium to long term. • Investment in equity and equity linked securities as well as debt and money market instruments while managing risk through active asset allocation. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. #For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27 ^ For Disclaimer please refer page no 27 12 Baroda Equity Savings Fund An open-ended equity scheme investing in equity, arbitrage and debt instruments. th The Bank of Baroda logo belongs to Bank of Baroda 28 February, 2021 and is used under license

Investment Objective 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. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.

Date of Inception Portfolio Portfolio July 25, 2019 % to % to Ratings / Ratings / Name of Instruments Net Name of Instruments Net Industries Industries Benchmark Assets Assets EQUITY & EQUITY RELATED ICICI Bank Ltd.( Tier I Bond under [ICRA]AA+ 0.75% 40% NSE 50 Arbitrage Index TRI, 35% NIFTY Listed / awaiting listing on the stock exchanges Basel III ) Short Duration Debt Index and 25% NSE100 Housing Development Finance Corporation CRISIL AAA 0.74% Corporation Ltd. Finance 5.86% Ltd. Index TRI^ ICICI Bank Ltd. Banks 4.96% National Bank for Agriculture and CRISIL AAA 0.50% Total Return variant of the Benchmark Tata Consultancy Services Ltd. Software 3.61% Rural Development Tata Steel Ltd. Ferrous Metals 3.44% Export-Import Bank of India CRISIL AAA 0.24% Index(TRI) Bharti Airtel Ltd. Telecom - Services 3.34% Vedanta Ltd. CRISIL AA- 0.24% Tata Motors Ltd. Auto 3.31% Total 9.68% Infosys Ltd. Software 3.14% Central Government Securities Minimum Investment Maruti Suzuki India Ltd. Auto 3.08% 6.84% CGL 2022 Sovereign 6.26% Axis Bank Ltd. Banks 2.86% 8.20% CGL 2022 Sovereign 4.99% Purchase: ` 5,000/- & in multiples of ` 1/- Tata Power Company Ltd. Power 2.62% 5.09% CGL 2022 Sovereign 2.43% thereafter Hindustan Unilever Ltd. Consumer Non Durables 2.59% Total 13.68% Mutual Fund Units / Exchange Traded Funds Additional Purchase : ` 1,000/- and in multi- Reliance Industries Ltd. Petroleum Products 2.51% JSW Steel Ltd. Ferrous Metals 2.00% Baroda Liquid Fund - Plan B (Direct) Mutual Fund 2.53% ples of ` 1/- thereafter. Sun Pharmaceutical Industries Ltd. Pharmaceuticals 1.75% - Growth Option Total 2.53% Re-purchase: No minimum amount Steel Authority of India Ltd. Ferrous Metals 1.50% Larsen & Toubro Ltd. Construction Project 1.49% TREPS / Reverse Repo Investments The Federal Bank Ltd. Banks 1.44% TREPS 4.69% DLF Ltd. Construction 1.44% Total 4.69% Load Structure Asian Paints Ltd. Consumer Non Durables 1.40% Cash & Cash Equivalents ITC Ltd. Consumer Non Durables 1.27% Net Receivable/Payable 4.70% Entry Load: NA Grasim Industries Ltd. Cement 1.26% Total 4.70% Divi's Laboratories Ltd. Pharmaceuticals 1.16% Grand Total 100.00% Exit Load: If units are redeemed upto 10% of DERIVATIVES / Stock Futures Ltd. Pharmaceuticals 1.07% % to the units held, on or before one year from the UPL Ltd. Pesticides 1.05% Name of the Instrument Long / Short AUM date of allotment : Nil Ltd. Pharmaceuticals 0.76% Housing Development Finance HDFC Bank Ltd. Banks 0.68% Corporation Ltd. 25-MAR-21 Short (5.51) • If units are redeemed over and above the 10% Titan Company Ltd. Consumer Durables 0.49% ICICI Bank Ltd. 25-MAR-21 Short (4.46) IndusInd Bank Ltd. Banks 0.46% limit, on or before one year from the date of al- Tata Consultancy Services Ltd. Tech Mahindra Ltd. Software 0.46% 25-MAR-21 Short (3.63) lotment : 1% of the applicable Net Asset Value Lupin Ltd. Pharmaceuticals 0.46% Tata Steel Ltd. 25-MAR-21 Short (3.46) (NAV) Ltd. Finance 0.38% Tata Motors Ltd. 25-MAR-21 Short (3.34) Mahindra & Mahindra Ltd. Auto 0.28% Bharti Airtel Ltd. 25-MAR-21 Short (3.21) • If units are redeemed after one year from the Ultratech Cement Ltd. Cement 0.21% Kotak Mahindra Bank Ltd. Banks 0.21% Maruti Suzuki India Ltd. 25-MAR-21 Short (3.10) date of allotment: Nil Hindalco Industries Ltd. Non - Ferrous Metals 0.20% Axis Bank Ltd. 25-MAR-21 Short (2.88) State Bank of India Banks 0.19% Tata Power Company Ltd. 25- Short (2.63) The above exit load shall be applicable Persistent Systems Ltd. Software 0.16% MAR-21 on a prospective basis to all subscription SBI Life Insurance Company Ltd. Finance 0.15% Infosys Ltd. 25-MAR-21 Short (2.42) Hindustan Unilever Ltd. 25-MAR-21 Short (2.36) transactions, excluding switch-ins. Reliance Industries Ltd. Petroleum Products 0.14% Dr. Reddy's Laboratories Ltd. Pharmaceuticals 0.13% JSW Steel Ltd. 25-MAR-21 Short (2.01) The above exit load structure is effective Indian Railway Catering & Tourism Reliance Industries Ltd. 25-MAR-21 Short (2.00) Corporation Ltd. Services 0.13% Sun Pharmaceutical Industries Ltd. September 05, 2019. Computer Age Management 25-MAR-21 Short (1.67) Services Ltd. Finance 0.13% Steel Authority of India Ltd. 25- HCL Technologies Ltd. Software 0.12% MAR-21 Short (1.51) Plans & Option Ltd. Consumer Non Durables 0.12% Larsen & Toubro Ltd. 25-MAR-21 Short (1.50) ICICI Lombard General Insurance Finance 0.10% The Federal Bank Ltd. 25-MAR-21 Short (1.45) Regular and Direct Company Ltd. DLF Ltd. 25-MAR-21 Short (1.44) Polycab India Ltd. Industrial Products 0.10% ITC Ltd. 25-MAR-21 Short (1.28) A. Growth Option (default option in case no op- Sun TV Network Ltd. Media & Entertainment 0.09% Asian Paints Ltd. 25-MAR-21 Short (1.27) tion specified by investor); Ashok Leyland Ltd. Auto 0.08% Ltd. Pharmaceuticals 0.08% Grasim Industries Ltd. 25-MAR-21 Short (1.27) Ltd. Gas 0.07% Divi's Laboratories Ltd. 25-MAR-21 Short (1.17) B. Dividend Option Aurobindo Pharma Ltd. 25-MAR-21 Short (1.07) • Pay-out Mphasis Ltd. Software 0.07% Hindustan Petroleum Corporation Petroleum Products 0.06% UPL Ltd. 25-MAR-21 Short (1.06) • Reinvestment (default sub-option in case no Ltd. Torrent Pharmaceuticals Ltd. 25- Short (0.76) sub-option specified by investor) Inox Leisure Ltd. Media & Entertainment 0.06% MAR-21 Total 64.72% IndusInd Bank Ltd. 25-MAR-21 Short (0.46) BONDS & NCDs Lupin Ltd. 25-MAR-21 Short (0.46) SIP (Minimum) Listed/awaiting listing on the stock exchanges Bajaj Finserv Ltd. 25-MAR-21 Short (0.38) Bank of Baroda( AT1 Bond under Titan Company Ltd. 25-MAR-21 Short (0.38) Basel III ) CARE AA 2.45% ` 500/month - 12 Installments Indian Oil Corporation Ltd. CRISIL AAA 1.69% Tech Mahindra Ltd. 25-MAR-21 Short (0.37) Derivatives Total (58.51) ` 1500/quarter - 4 Installments HDFC Bank Ltd. CRISIL AAA 1.30% Motilal Oswal Home Finance Ltd. [ICRA]A+ 0.99% All corporate ratings are assigned by rating agencies like CRISIL; CARE; NHPC Ltd. IND AAA 0.78% ICRA; IND; BWR. AAUM & AUM AAUM ` 406.29 Crs Top 10 Industries ` AUM 416.43 Crs BANK

Risk Profile 28 February 2021 Portfolio Turnover Sovereign Banks Software Ferrous Metals Auto Finance Pharmaceuticals Consumer CRISIL AAA Telecom 6.33 13.68% 10.80% 7.56% 6.94% 6.75% 6.62% 5.41% Non 4.47% Services (last 12 months) Durables 3.34% 5.38% Total Expense Ratio Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Regular 2.34% Regular ` Direct 1.26% Growth 11.63 Dividend 11.63 Fund Managers# Direct ` Growth 11.83 Mr. Dipak Acharya (Experience 15 Years) Dividend 11.83

This product is suitable for investors who are seeking* Mr. Pratish Krishnan • Long term capital appreciation and income generation. (Experience 15 Years) • Investment in equity and equity related securities, arbitrage opportunities, and debt and money market instuments. Mr. Alok Sahoo * Investors should consult their financial advisers if in doubt (Experience 18 Years) about whether the product is suitable for them. #For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27 ^ For Disclaimer please refer page no 27 13 Baroda Conservative Hybrid Fund** An open ended hybrid scheme investing pre-dominantly in debt instruments. ** The Bank of Baroda logo belongs to Bank of Baroda (Earlier known as Baroda Monthly Income Plan (MIP) Fund) 28th February, 2021 and is used under license

Investment Objective 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 EQUITY & EQUITY RELATED Listed / awaiting listing on the stock exchanges Benchmark Reliance Industries Ltd. Petroleum Products 2.86% Nippon Life India Asset Management Ltd. Finance 0.95% CRISIL Hybrid 85+15 - Conservative Index Infosys Ltd. Software 0.92% Bharti Airtel Ltd. Telecom - Services 0.82% HCL Technologies Ltd. Software 0.67% Dabur India Ltd. Consumer Non Durables 0.59% Ashok Leyland Ltd. Auto 0.57% Minimum Investment Coromandel International Ltd. Fertilisers 0.57% Tech Mahindra Ltd. Software 0.54% Emami Ltd. Consumer Non Durables 0.54% ` 5,000/- & in multiples of ` 1/- thereafter Kotak Mahindra Bank Ltd. Banks 0.53% Jindal Steel & Power Ltd. Ferrous Metals 0.50% Metropolis Healthcare Ltd. Healthcare Services 0.46% HDFC Bank Ltd. Banks 0.45% Sun Pharmaceutical Industries Ltd. Pharmaceuticals 0.44% Load Structure Indian Energy Exchange Ltd. Finance 0.43% Axis Bank Ltd. Banks 0.43% Can Fin Homes Ltd. Finance 0.42% Entry Load: NA Sanofi India Ltd. Pharmaceuticals 0.37% Indian Railway Catering & Tourism Exit Load: NIL Corporation Ltd. Services 0.36% Trent Ltd. Retailing 0.36% Nestle India Ltd. Consumer Non Durables 0.36% Cummins India Ltd. Industrial Products 0.35% Plans & Option DCB Bank Ltd. Banks 0.34% Radico Khaitan Ltd. Consumer Non Durables 0.34% Endurance Technologies Ltd. Auto Ancillaries 0.32% Plan A and Plan B (Direct) Narayana Hrudayalaya Ltd. Healthcare Services 0.32% Dalmia Bharat Ltd. Cement 0.32% A. Growth Option (default option in case no SBI Cards & Payment Services Ltd. Finance 0.32% option specified by investor); Escorts Ltd. Auto 0.31% Telecom - Equipment & B. Monthly Dividend (default) Sterlite Technologies Ltd. Accessories 0.31% 1. Payout Berger Paints India Ltd. Consumer Non Durables 0.30% Lupin Ltd. Pharmaceuticals 0.30% 2. Re-investment (default sub-option in case Coforge Ltd. Software 0.30% Instruments no option specified by investor) Polycab India Ltd. Industrial Products 0.30% Aditya Birla Fashion and Retail Ltd. Retailing 0.27% C. Quarterly Dividend ICICI Bank Ltd. Banks 0.26% 1. Payout Max Financial Services Ltd. Finance 0.26% The Federal Bank Ltd. Banks 0.25% 2. Reinvestment (default sub-option in case Persistent Systems Ltd. Software 0.24% no option specified by investor) Mphasis Ltd. Software 0.24% $ Mahindra & Mahindra Ltd. Auto 0.24% D. Bonus Option Bata India Ltd. Consumer Durables 0.21% ICICI Lombard General Insurance Company Ltd. Finance 0.21% HDFC Life Insurance Company Ltd. Finance 0.21% Maruti Suzuki India Ltd. Auto 0.20% Muthoot Finance Ltd. Finance 0.19% SIP (Minimum) Ltd. Consumer Non Durables 0.16% Indoco Remedies Ltd. Pharmaceuticals 0.13% ` 500/month - 12 Installments Total 21.34% Listed/awaiting listing on the stock exchanges ` 1500/quarter - 4 Installments Muthoot Finance Ltd. [ICRA]AA 2.98% Total 2.98% CENTRAL GOVERNMENT SECURITIES 6.45% CGL 2029 Sovereign 37.55% 7.17% CGL 2028 Sovereign 4.00% AAUM & AUM 7.59% CGL 2026 Sovereign 3.15% 8.24% CGL 2027 Sovereign 1.62% ` 7.59% CGL 2029 Sovereign 1.57% AAUM 33.35 Crs Total 47.89% AUM ` 33.88 Crs TREPS / Reverse Repo Investments 26.32% Total 26.32% Cash & Cash Equivalents Net Receivable/Payable 1.47% Portfolio Characteristic Total 1.47% Grand Total 100.00% Average Maturity (Days) 1807 All corporate ratings are assigned by rating agencies like CRISIL; Modified Duration (Years) 3.76 CARE; ICRA; IND; BWR. Portfolio Yield (%) 5.29

Total Expense Ratio Plan A 2.12% Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Plan B (Direct) 1.17% Plan A ` Growth 29.0072

Fund Manager# Dividend - Monthly 14.8699 Dividend - Quarterly 14.4231 & Mr. Alok Sahoo Plan B - Direct ` (Experience 18 Years) Growth 31.0795 Dividend - Monthly 15.8167

This product is suitable for investors who are seeking* Dividend - Quarterly 14.5636 • Regular Income and capital appreciation over medium term & Mr. Alok Sahoo is managing the Scheme effec- with providing liquidity. tive From 1st January 2021 onwards • 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. $ 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 25 - 27 14 Baroda Credit Risk Fund (scheme has one segregated portfolio) An open ended debt scheme predominantly investing in AA and below rated corporate bonds. th The Bank of Baroda logo belongs to Bank of Baroda (Excluding AA+ rated corporate bonds) 28 February, 2021 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.

Date of Inception Portfolio Ratings Ratings / % to Net January 23, 2015 Name of Instruments Industries Assets Benchmark BONDS & NCDs Listed/awaiting listing on the stock exchanges CRISIL Short Term Credit Risk Index Motilal Oswal Home Finance Ltd. [ICRA]A+ 12.71% Vedanta Ltd. CRISIL AA- 10.29% IndusInd Bank Ltd.( AT1 Bond CRISIL AA 10.13% under Basel III ) Minimum Investment Indiabulls Housing Finance Ltd. CARE AA 9.92% Tata Power Company Ltd. IND AA 9.14% Indian Railway Finance ` 5,000/- & in multiples of ` 1/- thereafter CRISIL AAA 6.26% Corporation Ltd. Edelweiss Housing Finance Ltd. [ICRA]A+ 5.60% National Bank for Agriculture and Load Structure CRISIL AAA 3.26% Rural Development Entry Load: NA Bharti Airtel Ltd. CRISIL AA 2.58% Dewan Housing Finance Exit Load: If units are redeemed upto 10% CARE D 2.01% Corporation Ltd. of the units, on or before one year from the Tata Steel Ltd. CARE AA 0.91% date of allotment : Nil Total 72.81% If units are redeemed over and above the Central Government Securities 6.68% CGL 2031 Sovereign 0.31% 10% limit, on or before one year from the Total 0.31% date of allotment : 1% of the applicable Net MONEY MARKET INSTRUMENTS Asset Value (NAV) Commercial Paper Reliance Industries Ltd. CRISIL A1+ 5.08% If units are redeemed after one year from the Total 5.08% date of allotment: Nil Certificate of Deposits National Bank for Agriculture and Exit load not applicable for segregated CRISIL A1+ 1.52% Rural Development portfolio Total 1.52% Treasury Bills Plans & Option 182 DAY T-BILL 18.03.21 Sovereign 5.13% Total 5.13% Plan A and Plan B (Direct) TREPS 10.96% Total 10.96% A. Growth Option (default option in case no Cash & Cash Equivalents option specified by investor); Net Receivable/Payable 4.19% Instruments Total 4.19% B. Monthly Dividend Grand Total 100.00% 1. Payout Note on Segregated Portfolio: Due to credit event (Default of debt 2. Re-investment (default sub-option in case servicing by on March 6, 2020), securities of Yes Bank have no option specified by investor) been segregated from the scheme’s portfolio w.e.f March 6, 2020. Yes Bank had, on March 14, 2020, informed the Stock Exchanges C. Quarterly Dividend that the AT1 bonds were fully written down and had extinguished 1. Payout with immediate effect pursuant to Master Circular- Basel III Capital 2. Reinvestment (default sub-option in case Regulations dated July 01, 2015 read with Section 45 of the Banking Regulation Act, 1949. On March 16, 2020, Axis Trustee Services Ltd., no option specified by investor) debenture trustee for the AT1 bonds, had filed a writ petition in the D. Bonus Option$ Hon’ble High Court, , inter alia seeking relief from the Court to set aside the decision to write off the AT1 bonds, and that the SIP (Minimum) matter was sub-judice before the Hon’ble Court. Kindly refer to SID/ KIM for complete details on segregation of portfolio. ` 500/month - 12 Installments #Please refer to our website link for deviation in valuation of the security: ` 1500/quarter - 4 Installments https://www.barodamf.com/Downloads/pages/valuation-policy.aspx

AAUM & AUM Segregated portfolio1 AAUM ` 197.70 Crs BONDS & NCDs Listed / awaiting listing on the stock exchanges AUM ` 194.60 Crs Yes Bank Ltd.N@@B@@$& [ICRA]D 0.00% Total 0.00% SEGREGATED AAUM & AUM All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. AAUM ` 0.000 Crs N@@ -> Non Traded Securities ; B@@ -> Below Investment Grade Security $ Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”: AUM ` 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 March2020 were downgraded to D. Portfolio Characteristic Average Maturity (Days) 542 Impact of NAV NAV Per unit (Regular Plan - Growth Option) Modified Duration (Years) 1.35 Date Main Portfolio Segregated Portfolio Portfolio Yield (%) 8.33 05/03/2020 14.5034 NA 06/03/2020 14.1784 0.00 Total Expense Ratio Reduction in NAV (%) -2.24% Plan A 1.83% Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 Plan B (Direct) 1.12% as on 28th Feb, 2021 Plan A ` Growth 14.8635 Segregated Total Expense Ratio Dividend - Monthly 10.3420 Plan A NA Dividend - Quarterly 10.5458 Plan B (Direct) NA Plan B - Direct ` Growth 15.8172 Fund Managers# Dividend - Monthly 10.8733 Dividend - Quarterly 11.0683 Mr. Alok Sahoo Segregated NAV as on 26th 10.9153February 2021 (Experience 18 Years) Plan A ` This product is suitable for investors who are seeking* Growth 0.0000 • Income over medium term. Mr. Karn Kumar Dividend 0.0000 • Investment in a mix of debt and money market instruments Plan B - Direct ` (Experience 15 Years) across the credit and maturity spectrum. * Investors should consult their financial advisers if in doubt Growth 0.0000 about whether the product is suitable for them. Dividend 0.0000 $ 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 25 - 27 15 Baroda Gilt Fund An open ended debt scheme investing in government securities across maturity. th The Bank of Baroda logo belongs to Bank of Baroda 28 February, 2021 and is used under license

Investment Objective The main objective is to generate income by investing in a portfolio of Government securities.

Date of Inception Portfolio Ratings Ratings / % to Net March 21, 2002 Name of Instruments Industries Assets Benchmark CENTRAL GOVERNMENT SECURITIES

I SEC-MI BEX 7.26% CGL 2029 Sovereign 18.47%

Minimum Investment 8.24% CGL 2027 Sovereign 12.39% ` 5,000/- & in multiples of ` 1/- thereafter 6.68% CGL 2031 Sovereign 12.07%

Load Structure 7.59% CGL 2029 Sovereign 10.53% Entry Load: NA 8.28% CGL 2027 Sovereign 9.35% Exit Load: 0.25%, if redeemed on or before 6.79% CGL 2027 Sovereign 3.64% 1 month (30 days) from the date of allotment of units. 6.45% CGL 2029 Sovereign 3.52% Nil, if redeemed after 1 month (30 days) from the date of allotment of units. 7.59% CGL 2026 Sovereign 1.88% The above Exit Load will be applicable to all sub- 7.88% CGL 2030 Sovereign 0.23% scription transactions, excluding switch-ins. Total 72.08% Plans & Option STATE GOVERNMENT SECURITIES Plan A and Plan B (Direct) The Scheme has the following Options: 8.11% State Government Sovereign 12.30% Instruments • Growth(Default) of Chhattisgarh 2028 9.39% State Government • Dividend Sovereign 9.71% of Karnataka 2023 Under the Dividend Option: • Pay-out Total 22.01% • Reinvestment(Default) TREPS / Reverse Repo Investments 3.96% Dividend Reinvestment sub-option shall not be available to investors who transact through the Total 3.96% stock exchange in dematerialized mode. If the Dividend under the Pay-out Option of the Cash & Cash Equivalents Scheme is less than or equal to Rs. 200/- , it will, by default, be reinvested under the Reinvest- Net Receivable/Payable 1.95% ment sub-option. C. Bonus Option$ Total 1.95% Grand Total 100.00% SIP (Minimum) ` 500/month - 12 Installments ` 1500/quarter - 4 Installments Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 AAUM & AUM Plan A ` Growth 32.6894 AAUM ` 30.12 Crs Dividend 22.9705 AUM ` 28.28 Crs Plan B- Direct ` Portfolio Characteristic Growth 35.0745 Average Maturity (Days) 2439 Dividend 30.1531 Modified Duration (Years) 5.10 Portfolio Yield (%) 6.29

Total Expense Ratio This product is suitable for investors who are seeking* • Credit risk free regular Income over long term. Plan A 1.84% • Investment only in Government (both Central and State Plan B (Direct) 1.06% Government) Securities. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Fund Manager# $ 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 25 - 27 Mr. Alok Sahoo& (Experience 18 Years)

& Mr. Alok Sahoo is managing the Scheme effec- tive From 1st January 2021 onwards

16 Baroda Dynamic Bond Fund+ An open-ended dynamic debt scheme investing across duration. The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license +Effective January 14, 2019, Baroda Income Fund was merged with Baroda Dynamic Bond Fund and Baroda Income Fund has ceased to exist. Investment Objective The investment objective of the scheme is to generate returns with liquidity by managing the portfolio dynamically through interest rate cycles.

Date of Inception Portfolio Ratings Ratings / % to Net June 30, 2012 Name of Instruments Industries Assets CENTRAL GOVERNMENT SECURITIES Benchmark 6.79% CGL 2027 Sovereign 19.32% CRISIL Composite Bond Fund Index 6.68% CGL 2031 Sovereign 16.51%

8.28% CGL 2027 Sovereign 12.94% Minimum Investment 7.59% CGL 2026 Sovereign 12.52% ` 5,000/- & in multiples of ` 1/- thereafter 7.59% CGL 2029 Sovereign 8.49%

Load Structure Total 69.78% Entry Load: NA STATE GOVERNMENT SECURITIES 9.35% State Government Exit Load: 3%, if redeemed within 3 months Sovereign 3.91% from the date of allotment of units; of Maharashtra 2024 8.58% State Government 2%, if redeemed between 3 months 1 day to Sovereign 3.54% 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 2.24% of Karnataka 2023 to 1 year from the date of allotment of units; 8.60% State Government Sovereign 0.67% Nil, if redeemed after 1 year from the date of of 2023 allotment of units. Instruments Total 10.36%

TREPS / Reverse Repo Investments 30.36% Plans & Option Plan A and Plan B (Direct) Total 30.36% A. Growth Option (default option in case no Cash & Cash Equivalents option specified by investor); B. Dividend Net Receivable/Payable -10.50% 1. Payout Total -10.50% 2. Re-investment (default sub-option in case no option specified by investor) Grand Total 100.00% C. Bonus Option$ All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. #Please refer to our website link for deviation in valuation of the security: SIP (Minimum) https://www.barodamf.com/Downloads/pages/valuation-policy.aspx ` 500/month - 12 Installments ` 1500/quarter - 4 Installments

AAUM & AUM AAUM ` 21.35 Crs AUM ` 21.28 Crs Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Plan A ` Growth 18.1086 Portfolio Characteristic Dividend 13.5984 Average Maturity (Days) 1949 Plan B - Direct ` Modified Duration (Years) 3.64 Growth 19.1259 Portfolio Yield (%) 5.39 Dividend 14.5244

Total Expense Ratio Plan A 1.52% This product is suitable for investors who are seeking* Plan B (Direct) 1.18% • 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 about whether the product is suitable for them. Mr. Alok Sahoo $ The Bonus Option in the Schemes has been discontinued effective June 08, 2015 (Experience 18 Years) # For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

17 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 The Bank of Baroda logo belongs to Bank of Baroda and 3 years (*please refer to pg 38 of SID). 28th February, 2021 and is used under license

Investment Objective The primary objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Date of Inception Portfolio Ratings Ratings / % to Net June 30, 2010 Name of Instruments Industries Assets BONDS & NCDs Benchmark Listed/awaiting listing on the stock exchanges HDB Financial Services Ltd. CRISIL AAA 8.73% CRISIL Short Term Bond Fund Index Indian Railway Finance Corporation Ltd. CRISIL AAA 7.95% Housing Development Finance Corporation Ltd. CRISIL AAA 7.54% National Bank for Agriculture and Rural Minimum Investment Development CRISIL AAA 6.75% Indian Oil Corporation Ltd. CRISIL AAA 5.35% ` 5,000/- & in multiples of ` 1/- thereafter Power Finance Corporation Ltd. CRISIL AAA 4.46% Export-Import Bank of India CRISIL AAA 4.20% Hindustan Petroleum Corporation Ltd. CRISIL AAA 3.84% IndusInd Bank Ltd.( AT1 Bond under Load Structure Basel III ) CRISIL AA 3.57% Entry Load: NA NHPC Ltd. IND AAA 3.53% Tata Steel Ltd. CARE AA 3.49% Exit Load: 0.25%, if redeemed on or before Small Industries Development Bank CARE AAA 2.28% 15 days from the date of allotment of units. of India Power Grid Corporation of India Ltd. CRISIL AAA 2.27% Nil, if redeemed after 15 days from the date National Bank for Agriculture and Rural [ICRA]AAA 2.10% of allotment of units. Development Muthoot Finance Ltd. [ICRA]AA 2.01% Vedanta Ltd. CRISIL AA- 1.97% Larsen & Toubro Ltd. CRISIL AAA 1.59% Aditya Birla Finance Ltd. [ICRA]AAA 1.41% Plans & Option State Bank of India( Tier II Bond under Basel III ) CRISIL AAA 1.15% Plan A and Plan B (Direct) Motilal Oswal Home Finance Ltd. [ICRA]A+ 1.13% A. Growth Option (default option in case no Housing and Urban Development Corporation Ltd. [ICRA]AAA 1.07% option specified by investor); REC Ltd. CRISIL AAA 1.04% B. Monthly Dividend^ Reliance Industries Ltd. CRISIL AAA 0.45% 1. Payout Total 77.88% Instruments 2. Re-investment (default sub-option in case Central Government Securities no option specified by investor) 8.13% CGL 2021 Sovereign 6.73% C. Quarterly Dividend^ Total 6.73% TREPS / Reverse Repo Investments 10.92% 1. Payout Total 10.92% 2. Re-investment (default sub-option in case Cash & Cash Equivalents no option specified by investor) Net Receivable/Payable 4.47% Total 4.47% Grand Total 100.00%

SIP (Minimum) All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. ` 500/month - 12 Installments **Thinly traded / Non traded securities and illiquid securities as ` 1500/quarter - 4 Installments defined in SEBI Regulations and Guidelines.

AAUM & AUM AAUM ` 468.00 Crs AUM ` 457.11 Crs

Portfolio Characteristic Average Maturity (Days) 748 Modified Duration (Years) 1.70 Portfolio Yield (%) 5.09 Macaulay duration (Years) 1.79 Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Plan A ` Total Expense Ratio Growth 22.6801 Plan A 1.04% Dividend 10.0739 Plan B (Direct) 0.24% Dividend - Quarterly 10.7134 Plan B - Direct ` Growth 23.8948 Fund Managers# Dividend 10.0808

Mr. Alok Sahoo Dividend - Quarterly 10.9708 This product is suitable for investors who are seeking* (Experience 18 Years) • Regular Income over short term. • Investment predominantly in Money Market Instruments (i.e. CP/ CD) and Short Term Debt Market Instruments. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. ^ The Dividend Option has been renamed as Monthly Dividend Option and Quarterly Dividend Option has been introduced effective December 23, 2016. # For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

18 Baroda Banking & PSU Bond Fund (An open-ended debt scheme predominantly investing in debt instruments of banks,Public Sector Undertakings, Public

Financial Institutions & Municipal Bonds) The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license

Investment Objective The scheme seeks to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities is- sued by entities such as Banks, Public Sector Undertakings (PSUs), Public Financial Institutions and Municipal Bonds. However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Date of Inception Portfolio Ratings December 17, 2020 Ratings / % to Net Name of Instruments Benchmark Industries Assets BONDS & NCDs Nifty Banking & PSU Low Duration Bond Listed/awaiting listing on the stock exchanges index State Bank of India( Tier II Bond under Basel III ) CRISIL AAA 11.58% Indian Oil Corporation Ltd. CRISIL AAA 10.92% Minimum Investment Housing and Urban Development Corporation Ltd. [ICRA]AAA 10.73% Purchase: ` 5,000/- and in multiples of REC Ltd. CRISIL AAA 10.07% `1/- thereafter per application during the Power Finance Corporation Ltd. CRISIL AAA 10.05% NFO period. National Bank for Agriculture and Rural CRISIL AAA 9.06% Additional Purchase : ` 1,000/- and in Development Axis Bank Ltd. CRISIL AAA 6.67% multiples of `1/- thereafter. Power Grid Corporation of India Ltd. CRISIL AAA 6.32% Re-purchase: No minimum amount Export-Import Bank of India CRISIL AAA 6.02% ICICI Bank Ltd. [ICRA]AAA 5.13% Small Industries Development Bank of Load Structure India CARE AAA 2.54% Entry Load: NA Total 89.09% TREPS / Reverse Repo Investments 8.59% Exit Load: No Exit Load will be charged for Total 8.59% switches between the options / Plans under the Cash & Cash Equivalents Scheme. Investors are requested to check the Net Receivable/Payable 2.32% prevailing load structure of the Scheme, before Total 2.32% investing. Grand Total 100.00%

Plans & Option All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. Regular and Direct • Growth (Default option in case no option is select- **Thinly traded / Non traded securities and illiquid securities as ed by the investor) defined in SEBI Regulations and Guidelines. • Dividend Instruments The Dividend option offers the following sub-options A. Monthly Dividend 1. Payout 2. Re-investment (default sub-option in case no option specified by investor) B. Quarterly Dividend 1. Payout 2. Reinvestment (default sub-option in case no option specified by investor) Each of the above sub-options offer the facilities of Pay-out and Re-investment (default). If the Dividend under the Payout facility is less than or equal to Rs. 200, it will, by default, be reinvested.

SIP (Minimum) ` 500/month - 12 Installments Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 ` 1500/quarter - 4 Installments as on 28th Feb, 2021 Regular ` AAUM & AUM Growth 9.9339 AAUM ` 435.96 Crs Dividend - Monthly 9.9339 Dividend - Quarterly 9.9339 AUM ` 409.82 Crs Direct ` Portfolio Characteristic Growth 9.9427 Average Maturity (Days) 947 Dividend - Monthly 9.9427 Modified Duration (Years) 2.26 Dividend - Quarterly 9.9427 Portfolio Yield (%) 5.28 This product is suitable for investors who are seeking* • Generate returns over short to medium term. Total Expense Ratio • Invest primarily in debt instruments of Banks, PFIs, PSUs and Municipal Bonds. Regular 0.81% * Investors should consult their financial advisers if in doubt Direct 0.36% about whether the product is suitable for them.

Fund Managers#

Mr. Alok Sahoo (Experience 18 Years)

Mr. Karn Kumar (Experience 15 Years)

Ms. Hetal Shah (Experience 20 Years)

# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

19 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 The Bank of Baroda logo belongs to Bank of Baroda (*please refer to page 40 of SID). 28th February, 2021 and is used under license

Investment Objective The main objective of the scheme is to provide optimal returns and liquidity through a portfolio comprising of debt securities and money market instruments.

Date of Inception Portfolio Ratings June 24, 2009 Ratings / % to Net Name of Instruments Industries Assets Benchmark BONDS & NCDs CRISIL Low Duration Debt Index Listed/awaiting listing on the stock exchanges Indiabulls Housing Finance Ltd. CARE AA 14.00% Minimum Investment NHPC Ltd. IND AAA 6.24% National Bank for Agriculture and ` 5,000/- & in multiples of ` 1/- thereafter CRISIL AAA 2.11% Rural Development Load Structure Total 22.35% Treasury Bills Entry Load: NA 182 DAY T-BILL 18.03.21 Sovereign 43.43% Exit Load: 3%, if redeemed within 3 months Total 43.43% from the date of allotment of units; TREPS / Reverse Repo Investments 33.04% 2%, if redeemed between 3 months 1 day to 6 Total 33.04% months from the date of allotment of units; Cash & Cash Equivalents 1%, if redeemed between 6 months 1 day to 1 Net Receivable/Payable 1.18% year from the date of allotment of units; Total 1.18% Nil, if redeemed after 1 year from the date of Grand Total 100.00% allotment of units. Note on Segregated Portfolio: Due to credit event (Default of debt Not applicable for segregated portfolio servicing by Yes Bank on March 6, 2020), securities of Yes Bank have been segregated from the scheme’s portfolio w.e.f March 6, 2020. Plans & Option Yes Bank had, on March 14, 2020, informed the Stock Exchanges that the AT1 bonds were fully written down and had extinguished Plan A and Plan B (Direct) with immediate effect pursuant to Master Circular- Basel III Capital Regulations dated July 01, 2015 read with Section 45 of the Banking Instruments A. Growth Option (default option in case no Regulation Act, 1949. On March 16, 2020, Axis Trustee Services Ltd., option specified by investor); debenture trustee for the AT1 bonds, had filed a writ petition in the B. Daily Dividend Hon’ble High Court, Mumbai, inter alia seeking relief from the Court 1. Re-investment to set aside the decision to write off the AT1 bonds, and that the C. Weekly Dividend matter was sub-judice before the Hon’ble Court. Kindly refer to SID/ 1. Re-investment KIM for complete details on segregation of portfolio. D. Monthly Dividend @Please refer to our website link for deviation in valuation of the 1. Payout security: https://www.barodamf.com/Downloads/pages/valuation-policy.aspx 2. Re-investment (default sub option in case no option specified by investor) E. Quarterly Dividend Segregated portfolio1 1. Payout BONDS & NCDs 2. Re-investment (default sub option in case no Listed / awaiting listing on the stock exchanges option specified by investor) Yes Bank Ltd.N@@B@@$& [ICRA]D 0.00% F. Bonus Option$ Total 0.00%

The Daily Dividend Option and Weekly Dividend DHFL ( ISIN INE202B071K1) has defaulted in repaying the maturity proceeds in Baroda Treasury Advantage Fund on 9th September 2019. The marked Option does not have the Pay-out Sub Option. down value of the instrument as on that date in the books was Rs.11.25 crores. If the Dividend under the Pay-out Option of the All corporate ratings are assigned by rating agencies like CRISIL; CARE; ICRA; IND; BWR. Scheme is less than or equal to Rs. 200/-, it will, N@@ -> Non Traded Securities ; B@@ -> Below Investment Grade Security by default, be reinvested under the Reinvestment $ Note on Below Investment Grade Security Yes Bank Perpetual Bond classified separately as “Segregated Portfolio”: & sub-option. Dividend Reinvestment sub-option 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 shall not be available to investors who transact downgraded to D. through the stock exchange in dematerialized mode. Impact of NAV NAV Per unit (Regular Plan - Growth Option) Date Main Portfolio Segregated Portfolio SIP (Minimum) 05/03/2020 1564.3040 NA ` 500/month - 12 Installments 06/03/2020 1222.9117 0.00 ` 1500/quarter - 4 Installments Reduction in NAV (%) -21.82% AAUM & AUM Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 AAUM ` 35.07 Crs Regular ` AUM ` 34.48 Crs Growth 1501.4738 Dividend - Daily 712.5199 SEGREGATED AAUM & AUM Dividend - Weekly 707.4379 Dividend - Monthly 708.5822 ` AAUM 0.000 Crs Plan A ` AUM ` 0.000 Crs Growth 1539.6756 Dividend - Daily 729.6178 Portfolio Characteristic Dividend - Weekly 707.9364 Average Maturity (Days) 231 Dividend - Monthly 708.6485 Modified Duration (Years) 0.48 Dividend - Quarterly 731.3353 Plan B - Direct ` Portfolio Yield (%) 5.10 This product is suitable for investors who are seeking* Growth 1578.6237 Macaulay duration (Months) 6.13 • Regular income over short term with maintaining a balance Dividend - Daily 717.6977 between returns and liquidity. Dividend - Weekly 711.4345 Total Expense Ratio • Investment predominantly in Money Market (i.e. CP/CDs) and Dividend - Monthly 712.1908 Plan A 0.86% Debt Market Instruments. Dividend - Quarterly 743.1599 Plan B (Direct) 0.65% * Investors should consult their financial advisers if in doubt SegregatedSegregated NAV NAV as on as 26thon 31 February July5 2020 2021 about whether the product is suitable for them. Plan A ` Segregated Total Expense Ratio Growth 0.0000 Plan A NA Dividend 0.0000 Plan B (Direct) NA Plan B - Direct ` Growth 0.0000 Fund Managers# 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 Mr. Alok Sahoo (which has been discontinued from October 01, 2012) will be reinvested in Baroda Treasury Advantage Fund Plan A (earlier called Institutional Plan) # For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27 (Experience 18 Years)

20 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) The Bank of Baroda logo belongs to Bank of Baroda (*please refer to page 36 of SID) 28th February, 2021 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.

Date of Inception Portfolio Ratings Ratings / % to Net June 1, 2018 Name of Instruments Industries Assets BONDS & NCDs Benchmark Listed/awaiting listing on the stock exchanges Small Industries Development CARE AAA 11.51% CRISIL Ultra Short Fund Index Bank of India Housing Development Finance CRISIL AAA 8.98% Corporation Ltd. Minimum Investment Export-Import Bank of India CRISIL AAA 5.59% HDB Financial Services Ltd. CRISIL AAA 5.52% ` 5,000/- & in multiples of ` 1/- thereafter Indian Oil Corporation Ltd. CRISIL AAA 3.34% National Bank for Agriculture and CRISIL AAA 2.87% Rural Development Hindustan Petroleum Corporation CRISIL AAA 2.86% Load Structure Ltd. Entry Load: NA Power Finance Corporation Ltd. CRISIL AAA 2.82% Exit Load: NIL Total 43.49% MONEY MARKET INSTRUMENTS Commercial Paper** Reliance Industries Ltd. CRISIL A1+ 8.21% Plans & Option IIFL Facilities Services Ltd. CRISIL A1+ 5.53% Motilal Oswal Financial Services CRISIL A1+ 5.52% Regular and Direct Ltd. Birla Group Holding Pvt. Ltd. CRISIL A1+ 5.52% A. Growth Option (default option in case no IIFL Wealth Management Ltd. CRISIL A1+ 5.49% option specified by investor); Total 30.27% B. Daily Dividend Certificate of Deposits** National Bank for Agriculture and 1. Re-investment CRISIL A1+ 8.17% C. Weekly dividend ( Default option) Rural Development 1. Re-investment Total 8.17% Instruments Treasury Bills 182 DAY T-BILL 25.03.21 Sovereign 11.04% 91 DAY T-BILL 18.03.21 Sovereign 8.28% Total 19.32% SIP (Minimum) Cash & Cash Equivalents ` 500/month - 12 Installments Net Receivable/Payable -1.25% Total -1.25% ` 1500/quarter - 4 Installments Grand Total 100.00%

AAUM & AUM

AAUM ` 251.01 Crs All corporate ratings are assigned by rating agencies like CRISIL; AUM ` 180.77 Crs CARE; ICRA; IND; BWR. **Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines.

Portfolio Characteristic Average Maturity (Days) 179 Modified Duration (Years) 0.45 Portfolio Yield (%) 4.15 Macaulay duration (Months) 5.77 Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 as on 28th Feb, 2021 Regular ` Total Expense Ratio Growth 1190.2937 Regular 0.42% Dividend - Daily 1006.2255 Direct 0.23% Dividend - Weekly NA Direct ` Growth 1196.4034 Dividend - Daily 1007.0326 # Fund Managers Dividend - Weekly 1001.1522 This product is suitable for investors who are seeking* Mr. Alok Sahoo • Reasonable returns with convenience of liquidity over (Experience 18 Years) ultra-short Term. • Investments in a basket of debt and money market instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months. * Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

21 Baroda Liquid Fund An open ended liquid scheme The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license

Investment Objective The primary objective is to generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Date of Inception Portfolio Ratings Ratings / % to Net February 5, 2009 Name of Instruments Industries Assets BONDS & NCDs Benchmark Listed / awaiting listing on the stock exchanges MONEY MARKET INSTRUMENTS CRISIL Liquid Fund Index Commercial Paper** Reliance Industries Ltd. CRISIL A1+ 5.92% Housing Development Finance Minimum Investment CRISIL A1+ 4.76% Corporation Ltd. ` 5,000/- & in multiples of ` 1/- thereafter Indian Oil Corporation Ltd. [ICRA]A1+ 4.74% Export-Import Bank of India CRISIL A1+ 4.73% National Bank for Agriculture CRISIL A1+ 4.16% Load Structure and Rural Development NTPC Ltd. CRISIL A1+ 3.57% Entry Load: NA JM Financial Products Ltd. CRISIL A1+ 3.57% Exit Load: (Effective October 20, 2019) IIFL Finance Ltd. CRISIL A1+ 3.33% Investor exit upon Exit load as % of IIFL Facilities Services Ltd. CRISIL A1+ 3.33% subscription Redemption proceeds Larsen & Toubro Ltd. CRISIL A1+ 2.38% Day 1 0.0070% Muthoot Finance Ltd. CRISIL A1+ 2.37% Day 2 0.0065% Motilal Oswal Financial CRISIL A1+ 2.14% Day 3 0.0060% Services Ltd. Day 4 0.0055% Birla Group Holding Pvt. Ltd. CRISIL A1+ 1.54% Day 5 0.0050% IIFL Wealth Management Ltd. CRISIL A1+ 1.54% Day 6 0.0045% Manappuram Finance Ltd. CRISIL A1+ 1.19% Day 7 onwards 0.0000% Total 49.27% The above load shall be applicable for all fresh Certificate of Deposit** investments (including ongoing SIP/STP/SWP National Bank for Agriculture CRISIL A1+ 2.38% instalments falling on or after the effective and Rural Development Instruments date) and Dividend Transfer Plan if the transfer Total 2.38% is from Baroda Liquid Fund on or after the effective date. Treasury Bills 182 DAY T-BILL 18.03.21 Sovereign 8.32% Plans & Option 91 DAY T-BILL 18.03.21 Sovereign 6.06% Plan A and Plan B (Direct) 182 DAY T-BILL 04.03.21 Sovereign 2.38% A. Growth Option (default option in case no 182 DAY T-BILL 25.03.21 Sovereign 0.12% option specified by investor); Total 16.88% B. Daily Dividend TREPS / Reverse Repo Investments 34.01% 1. Re-investment Total 34.01% C. Weekly Dividend Cash & Cash Equivalents 1. Re-investment Net Receivable/Payable -2.54% D. Bonus Option$ Total -2.54% Each Dividend Option offers the facility of Grand Total 100.00% Dividend Re-investment. Dividend Reinvest- ment sub-option shall not be available to All corporate ratings are assigned by rating agencies like CRISIL; investors who transact through the stock ex- CARE; ICRA; IND; BWR. change in dematerialized mode **Thinly traded / Non traded securities and illiquid securities as defined in SEBI Regulations and Guidelines. SIP (Minimum) ` 500/month - 12 Installments ` 1500/quarter - 4 Installments AAUM & AUM@ ` AAUM 4,307.55 Crs Riskometer based on Scheme’s portfolio NAV as on 28 February 2021 as on 28th Feb, 2021 AUM ` 3,916.10 Crs Regular ` Growth 3448.9087 Portfolio Characteristic Dividend 2954.9005 Average Maturity (Days) 19 Dividend - Daily 1006.0602 Modified Duration (Years) 0.05 Plan A ` Portfolio Yield (%) 3.46 Growth 2343.8114 Dividend - Daily 1001.1996 Total Expense Ratio Dividend - Weekly 1000.5829 Plan A 0.24% This product is suitable for investors who are seeking* Plan B - Direct ` Plan B (Direct) 0.14% • Regular income over short term with high level of liquidity Growth 2362.1998 • Investment predominantly in Money Market (i.e. CP/CDs) and # Dividend - Daily 1002.0849 Fund Managers Debt Market Instruments. Dividend - Weekly 1219.0353 * Investors should consult their financial advisers if in doubt Mr. Alok Sahoo about whether the product is suitable for them. (Experience 18 Years) $ 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 Plan A (earlier called Institutional Plan) # For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27 @ Aggregate investments made by other schemes of Baroda Mutual Fund - Rs. 7512.68 lakhs

22 Baroda Money Market Fund An open ended debt scheme investing in money market instruments. The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license

Investment Objective 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.

Date of Inception Portfolio Ratings June 19, 2019 Ratings / % to Net Name of Instruments Industries Assets Benchmark MONEY MARKET INSTRUMENTS CRISIL Money Market Index Certificate of Deposit** National Bank for Agriculture CRISIL A1+ 9.52% and Rural Development Minimum Investment Total 9.52% Purchase: ` 5,000/- & in multiples of ` 1/- TREPS / Reverse Repo Investments 65.12% thereafter Total 65.12% Additional Purchase : ` 1,000/- and in multiples of ` 1/- thereafter. Cash & Cash Equivalents Re-purchase: No minimum amount Net Receivable/Payable 25.36% Total 25.36% Load Structure Grand Total 100.00% Entry Load: NA All corporate ratings are assigned by rating agencies like CRISIL; Exit Load: NIL CARE; ICRA; IND; BWR. **Thinly traded / Non traded securities and illiquid securities as Plans & Option defined in SEBI Regulations and Guidelines. Plans/Options: Each of the Plans will have the following Instruments Options: • Growth (Default option in case no option is selected by the investor) • Dividend Option The Dividend option offers the following sub-options: • Daily Dividend o Re-investment • Weekly Dividend o Re-investment • Monthly Dividend o Pay-out and o Re-in- vestment (default) Dividend declared by the Scheme in Daily Dividend and Weekly Dividend will be com- pulsorily re-invested.

SIP (Minimum) ` 500/month - 12 Installments Riskometer based on Scheme’s portfolio NAV as on 26th February 2021 ` 1500/quarter - 4 Installments as on 28th Feb, 2021 Regular ` AAUM & AUM Growth 1082.3107 AAUM ` 17.86 Crs Dividend - Daily 1005.8699 Dividend - Weekly 1000.4408 AUM ` 20.69 Crs Dividend - Monthly 1002.3539 Portfolio Characteristic Direct ` Growth 1087.9575 Average Maturity (Days) 15 Dividend - Daily NA Modified Duration (Years) 0.05 This product is suitable for investors who are seeking* Dividend - Weekly NA Portfolio Yield (%) 3.28 • Regular income over short term. Dividend - Monthly NA • Investments in money market instruments having maturity upto Total Expense Ratio 1 year. Regular 0.52% * Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Direct 0.21%

Fund Managers#

Mr. Alok Sahoo (Experience 18 Years)

Mr. Karn Kumar (Experience 15 Years)

# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

23 Baroda Overnight Fund (An open-ended debt scheme investing in overnight securities) The Bank of Baroda logo belongs to Bank of Baroda 28th February, 2021 and is used under license

Investment Objective 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 TREPS / Reverse Repo Investments 96.73% Benchmark Total 96.73% CRISIL Overnight Index Cash & Cash Equivalents Net Receivable/Payable 3.27% Minimum Investment Total 3.27% 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 Riskometer based on Scheme’s portfolio NAV as on 28 February 2021 as on 28th Feb, 2021 Regular ` Load Structure Growth 1076.9480 Entry Load: NA Dividend - Daily 1000.0000 Exit Load: NIL Dividend - Weekly 1000.5189 Direct ` Plans & Option Growth 1078.0572 Dividend - Daily 1000.0000 Regular and Direct A. Growth Option (default option in case no option Dividend - Weekly 1000.5482 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) ` 500/month - 12 Installments ` 1500/quarter - 4 Installments

AAUM & AUM AAUM ` 340.00 Crs AUM ` 295.26 Crs

Portfolio Characteristic Average Maturity (Days) 1 Modified Duration (Years) 0.00 Portfolio Yield (%) 3.25

Total Expense Ratio Regular 0.14% Direct 0.09%

Fund Managers#

Mr. Alok Sahoo (Experience 18 Years)

# For performance of the Scheme and other funds managed by the said Fund manager, either individually or jointly, please refer page no 25 - 27

24 Investment Performance

The Bank of Baroda logo belongs to Bank of Baroda and is used under license

Funds Managed by Mr. Sanjay Chawla

Date Of Inception: 12/09/2003 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Multi Cap Fund (in %)^ 32.40 9.25 14.66 15.79 NIFTY 500 Multicap 50:25:25 TRI (Scheme Benchmark) (in %)* 37.41 8.97 17.46 NA Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 15.94 ` 10,000, if invested in BMCF, would have become ` 13,230 ` 13,037 ` 19,807 ` 1,29,560 ` 10,000, if invested in NIFTY 500 Multicap 50:25:25 TRI, would have become ` 13,729 ` 12,938 ` 22,346 NA ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 1,32,441 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. *(Effective February 1, 2021 the benchmark of the Scheme is NIFTY 500 Multicap 50:25:25 TRI index). Mr. Sanjay Chawla is managing the Scheme since inception. 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.

Date Of Inception: 31/03/1996 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda ELSS’ 96 (in %)^ 29.23 6.34 12.73 12.13 S&P BSE 200 TRI (Scheme Benchmark) (in %)* 33.70 12.06 17.63 13.18 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 12.98 ` 10,000, if invested in BELSS’96, would have become ` 12,914 ` 12,023 ` 18,196 ` 1,73,351 ` 10,000, if invested in S&P BSE 200 TRI, would have become ` 13,360 ` 14,067 ` 22,512 ` 2,18,722 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 2,09,403 ^Past performance may or may not be sustained in the future. Data is for Plan A - Dividend Option. Plan A and B (Direct) have different expense structures. The last working day of February 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 scheme’s inception. $Additional 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 effective November 01, 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.

Date Of Inception: 12/09/2003 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Hybrid Equity Fund (in %)^ 24.45 6.95 12.37 11.60 CRISIL Hybrid 35+65 - Aggressive index& (Scheme Benchmark) (in %) 25.90 11.89 15.01 13.44 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 15.94 ` 10,000, if invested in BHEF, would have become ` 12,437 ` 12,232 ` 17,913 ` 68,070 ` 10,000, if invested in CRISIL Hybrid 35+65 - Aggressive index (effective February 1, 2018), would have become ` 12,582 ` 14,005 ` 20,116 ` 90,565 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 1,32,441 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Sanjay Chawla is managing the Scheme 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).

Date Of Inception: 04/10/2010 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Mid-Cap Fund (in %)^ 38.53 8.43 15.66 2.20 S&P BSE MidCap TRI (Scheme Benchmark)& (in %) 38.51 7.61 17.16 10.23 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 9.92 ` 10,000, if invested in BMCF, would have become ` 13,841 ` 12,744 ` 20,693 ` 12,540 ` 10,000, if invested in S&P BSE MidCap TRI, would have become ` 13,838 ` 12,457 ` 22,061 ` 27,565 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 26,752 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Sanjay Chawla is managing the Scheme effective January 01, 2021. &(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).

Date Of Inception: 22/06/2010 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Large Cap Fund (in %)^ 27.87 10.89 15.35 5.97 Nifty 100 TRI (Scheme Benchmark)& (in %) 31.20 11.91 17.19 11.45 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 11.20 ` 10,000, if invested in BLCF, would have become ` 12,779 ` 13,632 ` 20,418 ` 18,580 ` 10,000, if invested in Nifty 100 TRI, would have become ` 13,110 ` 14,010 ` 22,098 ` 31,867 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 31,098 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Sanjay Chawla is managing the Scheme effective January 01, 2021. &(Scheme Benchmark has been changed to Nifty 100 effective October 3, 2016). Mr. Sanjay Chawla is managing the Scheme effective November 01, 2015. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI).

Date Of Inception: 22/06/2012 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Banking and Financial Services Fund (in %)^ 14.98 11.49 18.39 12.73 Nifty Bank Index TRI (Scheme Benchmark) (in %) 19.48 11.83 20.68 16.13 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 12.88 17.29 14.07 ` 10,000, if invested in BBFSF, would have become ` 11,494 ` 13,855 ` 23,251 ` 28,320 ` 10,000, if invested in Nifty Bank Index TRI, would have become ` 11,942 ` 13,981 ` 25,581 ` 36,666 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,378 ` 22,189 ` 31,385 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). Mr. Sanjay Chawla is managing the Scheme effective November 01, 2015.

25 Investment Performance

The Bank of Baroda logo belongs to Bank of Baroda and is used under license

Funds Managed by Mr. Pratish Krishnan, Mr. Alok Sahoo and Mr. Dipak Acharya

Date Of Inception: 25/07/2019 Since 1 Year Scheme Name & Benchmark Inception Baroda Equity Savings Fund (in %)^ 11.86 9.93 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI (Scheme Benchmark) (in %) 12.30 9.77 CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.93 18.61 ` 10,000, if invested in BESF, would have become ` 11,183 ` 11,630 ` 10,000, if invested in 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index TRI, would have become ` 11,227 ` 11,603 ` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,492 ` 13,128 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at scheme’s inception. $Additional 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. Mr. Dipak Acharya (Equity), Mr. Alok Sahoo (Fixed Income) and Mr. Pratish Krishnan. Mr. Krishnan is managing the scheme along with Mr. Acharya and Mr. Sahoo effective September 05, 2019. Funds Managed by Mr. Alok Sahoo

Date Of Inception: 30/06/2010 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Short Term Bond Fund (in %)^ 5.41 7.50 7.87 7.98 CRISIL Short Term Bond Fund Index (Scheme Benchmark) (in %) 7.52 8.53 8.16 8.27 CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.93 8.94 7.34 6.78 ` 10,000, if invested in BSTBF, would have become ` 10,539 ` 12,422 ` 14,603 ` 22,680 ` 10,000, if invested in CRISIL Short Term Bond Fund Index, would have become ` 10,750 ` 12,782 ` 14,797 ` 23,337 ` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,492 ` 12,927 ` 14,246 ` 20,137 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Alok Sahoo is managing the Scheme since its inception. Date Of Inception: 05/02/2009 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Liquid Fund (in %)^ 3.77 5.86 6.36 7.31 CRISIL Liquid Fund Index (Scheme Benchmark) (in %) 4.27 6.16 6.51 7.11 CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 5.46 6.64 6.56 6.30 ` 10,000, if invested in BLF, would have become ` 10,377 ` 11,864 ` 13,616 ` 23,438 ` 10,000, if invested in CRISIL Liquid Fund Index, would have become ` 10,427 ` 11,966 ` 13,710 ` 22,912 ` 10,000, if invested in CRISIL 1 year T-Bill, would have become ` 10,546 ` 12,129 ` 13,742 ` 20,899 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Alok Sahoo is managing the Scheme since its inception. Date Of Inception: 24/06/2009 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Treasury Advantage Fund (scheme has one segregated portfolio) (in %)^ -9.95 -8.57 -2.17 3.76 CRISIL Low Duration Debt Index (Scheme Benchmark) (in %)* 6.40 7.75 7.77 7.61 CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 5.47 6.65 6.56 6.39 ` 10,000, if invested in BTAF, would have become ` 9,007 ` 7,645 ` 8,963 ` 15,397 ` 10,000, if invested in CRISIL Low Duration Debt Index, would have become ` 10,638 ` 12,509 ` 14,536 ` 23,559 ` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,546 ` 12,127 ` 13,739 ` 20,616 ^Past performance may or may not be sustained in the future. *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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Alok Sahoo is managing the Scheme since its inception. Impact of segregation Fall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -21.82% Date Of Inception: 30/06/2012 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Dynamic Bond Fund (in %)^ 6.62 4.03 5.78 7.09 CRISIL Composite Bond Fund Index (Scheme Benchmark) (in %) 6.94 9.23 8.69 8.71 CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.93 8.94 7.34 7.34 ` 10,000, if invested in BDBF, would have become ` 10,660 ` 11,257 ` 13,244 ` 18,109 ` 10,000, if invested in CRISIL Composite Bond Fund Index, would have become ` 10,692 ` 13,030 ` 15,168 ` 20,621 ` 110,000, if invested CRISIL 10 Year Gilt Index, would have become ` 10,492 ` 12,927 ` 14,246 ` 18,472 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Alok Sahoo is managing the Scheme since its inception. Date Of Inception: 25/04/2019 1 Year Since Inception Scheme Name & Benchmark Baroda Overnight Fund (in %)^ 3.09 4.08 CRISIL Overnight Index (Scheme Benchmark) (in %) 3.12 4.13 CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 5.46 6.18 ` 10,000, if invested in BONF, would have become ` 10,309 ` 10,768 ` 10,000, if invested in CRISIL Overnight Index would have become ` 10,312 ` 10,778 ` 110,000, if invested CRISIL 1 year T-Bill, would have become ` 10,546 ` 11,173 ^Past performance may or may not be sustained in the future. Data is for for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `1000 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Alok Sahoo is managing the Scheme since its inception. Date Of Inception: 01/06/2018 1 Year Since Inception Scheme Name & Benchmark Baroda Ultra Short Duration Fund (in %)^ 4.43 6.56 CRISIL Ultra Short Fund Index (Scheme Benchmark) (in %) 5.59 7.11 CRISIL 1 Year T-Bill Index (Additional Benchmark)$ 5.47 6.69 ` 10,000, if invested in BUSDF, would have become ` 10,442 ` 11,903 ` 10,000, if invested in CRISIL Ultra Short Fund Index, would have become ` 10,557 ` 12,073 ` 10,000, if invested in CRISIL 1 Year T-Bill Index, would have become ` 10,546 ` 11,945 ^Past performance may or may not be sustained in the future. Data is for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Alok Sahoo is managing the Scheme since its inception.

26 Investment Performance

The Bank of Baroda logo belongs to Bank of Baroda and is used under license

Date Of Inception: 08/09/2004 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Conservative Hybrid Fund (in %)^ 11.38 9.82 8.90 6.68 CRISIL Hybrid 85+15 - Conservative Index& (Scheme Benchmark) (in %) 11.66 10.10 10.30 8.85 CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.93 8.94 7.34 6.17 ` 10,000, if invested in BCHF, would have become ` 11,135 ` 13,242 ` 15,313 ` 29,007 ` 10,000, if invested in CRISIL Hybrid 85+15 - Conservative Index, would have become ` 11,162 ` 13,341 ` 16,319 ` 40,421 ` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,492 ` 12,927 ` 14,246 ` 26,802 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. &(Benchmark has been renamed effective February 1, 2018). The equity component of the index has been changed from Nifty 50 to S&P BSE 200. The index will be total return index in the equity component from August 1, 2016 while the debt component will be total return since inception. Price return of S&P BSE 200 (equity component) will be used for computing index values prior to August 1, 2016. Mr. Alok Sahoo is managing the Scheme effective January 1, 2021. Date Of Inception: 21/03/2002 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Gilt Fund (in %)^ 4.87 8.02 7.28 6.45 I-Sec Mi-BEX (Scheme Benchmark) (in %) 7.28 9.55 8.89 7.95 CRISIL 10 Year Gilt Index (Additional Benchmark)$ 4.93 8.94 7.34 6.71 ` 10,000, if invested in BGF, would have become ` 10,486 ` 12,603 ` 14,205 ` 32,689 ` 10,000, if invested in I-Sec Mi-BEX, would have become ` 10,726 ` 13,144 ` 15,302 ` 42,613 ` 10,000, if invested in CRISIL 10 Year Gilt Index, would have become ` 10,492 ` 12,927 ` 14,246 ` 34,224 ^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 February 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. Mr. Alok Sahoo is managing the Scheme effective January 1, 2021.

Funds Managed by Mr. Dipak Acharya, Mr. Sanjay Chawla and Mr. Alok Sahoo Date Of Inception: 14/11/2018 1 Year Since Inception Scheme Name & Benchmark Baroda Dynamic Equity Fund (in %)^ 29.46 17.14 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI (Scheme Benchmark) (in %) 22.23 13.74 Nifty 50 TRI (Additional Benchmark) (in %)$ 31.37 16.20 ` 10,000, if invested in BDEF, would have become ` 12,937 ` 14,360 ` 10,000, if invested in 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index TRI, would have become ` 12,216 ` 13,424 ` 10,000, if invested in Nifty 50 TRI, would have become ` 13,127 ` 14,098 ^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 February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Effective February 1, 2018, performance of the Scheme is benchmarked to the Total Return variant of the benchmark / standard benchmark index (TRI). Mr. Sanjay Chawla (Equity), Mr. Dipak Acharya (Equity) and Mr. Alok Sahoo (Fixed Income). Mr. Dipak Acharya was appointed as fund manager along with Mr. Chawla and Mr. Sahoo effective December 14, 2018.

Funds Managed by Mr. Alok Sahoo and Mr. Karn Kumar

Date Of Inception: 23/01/2015 Since 1 Year 3 Years 5 Years Scheme Name & Benchmark Inception Baroda Credit Risk Fund (scheme has one segregated portfolio) (in %)^ 1.75 3.78 6.04 6.71 CRISIL Short Term Credit Risk Index (Scheme Benchmark) (in %)* 9.25 9.40 9.08 9.03 CRISIL 10 Year Gilt Index (Additional Benchmark) (in %)$ 4.93 8.94 7.34 7.22 ` 10,000, if invested in BCRF, would have become ` 10,174 ` 11,175 ` 13,405 ` 14,864 ` 10,000, if invested in CRISIL Short Term Credit Risk Index, would have become ` 10,922 ` 13,089 ` 15,439 ` 16,944 ` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,492 ` 12,927 ` 14,246 ` 15,300 ^Past performance may or may not be sustained in the future. *With effect from October 29, 2019 the benchmark has been changed to CRISIL Short Term Credit Risk Fund. Data is for Plan A - Growth Option. Plan A and Plan B (Direct) have different expense structures. The last working day of February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional benchmark as prescribed by SEBI for comparison purposes. Returns on `10,000 are point-to-point returns for the specific time period, invested at the start of the period. Mr. Karn Kumar is managing the scheme along with Mr. Alok Sahoo since July 24, 2017. Impact of segregation Fall in NAV - Mar 6, 2020 v/s Mar 5, 2020 : -2.24% Date Of Inception: 19/06/2019 Since 1 Year Scheme Name & Benchmark Inception Baroda Money Market Fund (in %)^ 3.56 4.78 CRISIL Money Market Index (Scheme Benchmark) (in %)* 5.15 5.82 CRISIL 1 year T-Bill (Additional Benchmark) (in %)$ 5.47 5.99 ` 10,000, if invested in BMMF, would have become ` 10,355 ` 10,823 ` 10,000, if invested in CRISIL Money Market Index, would have become ` 10,513 ` 11,006 ` 10,000, if invested CRISIL 1 year T-Bill, would have become ` 10,546 ` 11,035 ^Past performance may or may not be sustained in the future. Data is for Plan A - Growth Option. Regular and Direct have different expense structures. The last working day of February has been considered in all cases. Returns are Compounded Annualised and are calculated on the basis of `10 invested at scheme’s inception. $Additional 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. Mr. Alok Sahoo and Mr. Karn Kumar are managing the scheme since its inception. Performance of Baroda Large & Mid Cap Fund have not been provided as the scheme has not completed one year since inception. Performance of Baroda Banking & PSU Bond Fund have not been provided as the scheme has not completed one year since inception. 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. NIFTY 500 Multicap 50:25:25 TRI: 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. ** S&P BSE 250 Large MidCap 65:35 TRI Index: Baroda Large & Mid 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 250 Large MidCap 65:35 TRI Index or particularly in the ability of the S&P BSE 250 Large MidCap 65:35 TRI Index and to track general stock market performance in India. 27 SIP Returns The Bank of Baroda logo belongs to Bank of Baroda and is used under license

Baroda Multi Cap Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 360000 600000 840000 1200000 2100000 Total Value as on February 28, 2021 (Rs) 162661 484663 846530 1285032 2270068 7161389 Returns (%) 73.53 20.42 13.78 11.96 12.26 12.70 Total Value of NIFTY 500 Multicap 50:25:25 TRI* (Rs) 168784 492498 878435 1378723 2589107 NA NIFTY 500 Multicap 50:25:25 TRI* Returns (%) 85.00 21.58 15.29 13.94 14.73 NA Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 2412890 7616592 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 13.41 13.30 *With effect from February 01, 2021 the benchmark has been changed to NIFTY 500 Multicap 50:25:25 TRI. 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 Amount Invested (Rs) 120000 360000 600000 840000 1200000 3000000 Total Value as on February 28, 2021 (Rs) 159334 464028 796938 1197041 2127158 17828216 Returns (%) 67.38 17.30 11.34 9.97 11.04 12.29 Total Values of S&P BSE 200 TRI* (Rs) 160981 483199 888556 1383633 2502664 24368986 S&P BSE 200 TRI* Returns (%) 70.42 20.20 15.76 14.04 14.09 14.24 Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 2411868 22762710 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 13.40 13.82 * 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 Total Amount Invested (Rs) 120000 360000 600000 840000 1200000 2100000 Total Value as on February 28, 2021 (Rs) 151327 449512 784907 1189405 2049696 5257360 Returns (%) 52.86 15.06 10.72 9.79 10.34 9.67 Total Values of CRISIL Hybrid 35+65 – Aggressive Index (Rs) 146394 462817 847538 1319670 2321127 6741341 CRISIL Hybrid 35+65 – Aggressive Index (%) 44.10 17.12 13.83 12.71 12.68 12.11 Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 2411868 7616975 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 13.40 13.30 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) 120000 360000 600000 840000 1200000 1250000 Total Value as on February 28, 2021 (Rs) 165172 499353 873885 1251048 1897294 1964857 Returns (%) 78.21 22.58 15.08 11.21 8.88 8.40 Total Values of S&P BSE MidCap TRI^^ (Rs) 171488 495854 866284 1394365 2665321 2813044 S&P BSE MidCap TRI ^^ Returns (%) 90.13 22.07 14.72 14.26 15.27 14.85 Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 2411868 2551239 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 13.40 13.11 ^^Scheme benchmark has been changed to S&P 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 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 360000 600000 840000 1200000 1290000 Total Value as on February 28, 2021 (Rs) 155602 470706 835187 1251206 2132127 2298154 Returns (%) 60.57 18.32 13.24 11.22 11.09 10.32 Total Values of Nifty 100 TRI^^ (Rs) 158175 474636 876201 1357611 2440167 2709052 Nifty 100 TRI ^^ Returns (%) 65.26 18.91 15.19 13.51 13.62 13.17 Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 2411868 2674406 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 13.40 12.95 ^^Scheme benchmark has been changed to Nifty 100 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 Banking and Financial Services Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 360000 600000 840000 NA 1050000 Total Value as on February 28, 2021 (Rs) 168584 474390 858963 1333748 NA 1908365 Returns (%) 84.62 18.88 14.38 13.01 NA 13.25 Total Value of Nifty Bank Index TRI (Rs) 176167 477003 891714 1419210 NA 2113278 Nifty Bank Index TRI Returns (%) 99.10 19.27 15.90 14.75 NA 15.48 Total Value of Nifty 50 TRI (Rs) 158761 478297 887303 1363994 NA 1948019 Nifty 50 TRI Returns (%) 66.33 19.47 15.70 13.64 NA 13.70 Baroda Conservative Hybrid Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 360000 600000 840000 1200000 1980000 Total Value as on February 28, 2021 (Rs) 127088 422764 755550 1144797 1884134 3816849 Returns (%) 11.37 10.79 9.19 8.72 8.75 7.48 Total Value of CRISIL Hybrid 85+15 - Conservative Index (Rs) 127374 424215 765924 1184321 1985390 4431397 CRISIL Hybrid 85+15 - Conservative Index (%) 11.83 11.02 9.74 9.67 9.74 9.09 Total Value of CRISIL 10 Year Gilt Index Returns (Rs) 120790 403787 712826 1089040 1750734 3617261 CRISIL 10 Year Gilt Index Returns (%) 1.25 7.64 6.85 7.32 7.35 6.90 Baroda Dynamic Equity Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 NA NA NA NA 280000 Total Value as on February 28, 2021 (Rs) 144926 NA NA NA NA 362466 Returns (%) 41.52 NA NA NA NA 23.09 Total Value of 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (Rs) 141241 NA NA NA NA 343104 CRISIL 50% S&P BSE 200 Index and 50% CRISIL Short Term Bond Fund Index (TRI) (%) 35.12 NA NA NA NA 17.92 Total Value of Nifty 50 TRI (Rs) 158761 NA NA NA NA 367041 Nifty 50 TRI (%) 66.33 NA NA NA NA 24.29 Baroda Equity Savings Fund 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception Total Amount Invested (Rs) 120000 NA NA NA NA 200000 Total Value as on February 28, 2021 (Rs) 128646 NA NA NA NA 219964 Returns (%) 13.90 NA NA NA NA 11.54 Total Value of 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index (TRI) (Rs) 128475 NA NA NA NA 217749 CRISIL 40% NSE 50 Arbitrage index, 35% NIFTY Short Duration Debt index and 25% NSE100 index (TRI) (TRI) (%) 13.62 NA NA NA NA 10.26 Total Value of CRISIL 10 Year Gilt Index (Rs) 120674 NA NA NA NA 206840 CRISIL 10 Year Gilt Index (%) 1.06 NA NA NA NA 3.97 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.

28 Dividend History The Bank of Baroda logo belongs to Bank of Baroda and is used under license

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-Jan-21 10.0973 0.04 Baroda Banking and Financial Services Fund - Plan A - Dividend 24-Dec-20 10.1288 0.02 22-Mar-19 15.23 1.85 27-Oct-20 10.1320 0.05 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-Jan-21 10.0980 0.05 22-Mar-19 16.23 1.85 24-Dec-20 10.1300 0.02 16-Mar-18 17.89 1.75 27-Oct-20 10.1326 0.06 Baroda Hybrid Equity Fund - Plan A - Dividend Baroda Short Term Bond Fund - Plan A - Quarterly Dividend 24-Dec-20 16.07 0.27 24-Dec-20 10.7251 0.15 25-Sep-20 13.92 0.30 25-Sep-20 10.7088 0.15 26-Jun-20 13.00 0.30 26-Jun-20 10.6731 0.15 Baroda Hybrid Equity Fund - Plan B - Direct - Dividend Baroda Short Term Bond Fund - Plan B - Direct - Quarterly Dividend 24-Dec-20 18.70 0.27 24-Dec-20 10.9691 0.15 25-Sep-20 16.13 0.30 25-Sep-20 10.9284 0.15 26-Jun-20 14.99 0.30 26-Jun-20 10.8690 0.15 Baroda Conservative Hybrid Fund - Plan A - Monthly Dividend Baroda Treasury Advantage Fund Reg - Monthly Dividend 24-Dec-20 14.8591 0.07 26-Apr-19 1001.01 3.47 27-Oct-20 14.5529 0.07 27-Mar-19 1000.99 8.80 25-Sep-20 14.4036 0.07 27-Feb-19 1000.40 1.48 Baroda Conservative Hybrid Fund - Plan B - Direct - Monthly Dividend Baroda Treasury Advantage Fund - Plan A - Monthly Dividend 24-Dec-20 15.7939 0.07 26-Apr-19 1001.01 3.47 27-Oct-20 15.4216 0.07 27-Mar-19 1000.99 8.80 25-Sep-20 15.2480 0.07 27-Feb-19 1000.40 1.48 Baroda Conservative Hybrid Fund - Plan A - Quarterly Dividend Baroda Treasury Advantage Fund - Plan B - Direct - Monthly Dividend 27-Jan-21 14.8591 0.07 26-Apr-19 1001.05 3.73 25-Dec-20 14.4404 0.20 27-Mar-19 1001.01 9.03 25-Sep-20 13.9146 0.20 27-Feb-19 1000.42 1.74 Baroda Conservative Hybrid Fund - Plan B - Direct - Quarterly Dividend Baroda Treasury Advantage Fund Reg - Quarterly Dividend 27-Jan-21 15.7939 0.07 27-Jun-14 1006.66 23.38 24-Dec-20 14.5598 0.20 21-Mar-14 1011.22 7.79 25-Sep-20 13.9981 0.20 24-Jun-16 1036.72 14.45 Baroda Credit Risk Fund - Plan A - Quarterly Dividend Baroda Treasury Advantage Fund - Plan A - Quarterly Dividend 24-Dec-19 10.1625 0.05 22-Mar-19 1028.09 17.00 04-Oct-19 10.2252 0.08 26-Dec-18 1029.11 17.00 27-Jun-19 10.1433 0.15 26-Sep-18 1035.45 17.00 Baroda Credit Risk Fund - Plan B - Direct - Quarterly Dividend Baroda Treasury Advantage Fund - Plan B - Direct - Quarterly Dividend 24-Dec-20 10.8887 0.10 22-Mar-19 1039.25 18.00 25-Sep-20 10.6781 0.05 26-Dec-18 1040.36 17.00 26-Jun-20 10.2800 0.05 26-Sep-18 1025.18 17.00 Baroda Credit Risk Fund - Plan A - Monthly Dividend Baroda Money Market Fund - Reg - Monthly Dividend 27-Feb-20 10.1651 0.07 27-Jan-21 1000.46 2.66 27-Jan-20 10.1231 0.07 24-Dec-20 1000.86 2.04 25-Oct-19 10.1291 0.07 27-Oct-20 1000.83 2.67 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).

29

KFIN Technologies Private Limited (Formerly known as Karvy Fintech Private Limited)

The Bank of Baroda logo belongs to Bank of Baroda Contact details MFS Branches and is used under license

• Agartala: Tel: 0381-2317519 Email: [email protected] • Agra: Tel: 7518801801 Email: [email protected] • Ahmedabad: Tel: 9081903021 Email: [email protected] • Ajmer: Tel: 0145-5120725 Email: [email protected] •Akola: Tel: 0724-2451874 Email: [email protected] • Aligarh: Tel: 7518801802 Email: [email protected] • Allahabad: Tel: 7518801803 Email: [email protected] • Alleppy: Tel: 0477 2263055 Email: mfsalleppy@ kfintech.com • Alwar: Tel: 0144-2335550 / 0144-2335551 Email: [email protected] • Amaravathi: Tel: 0721 2569198 Email: [email protected] • Ambala: Tel: 7518801804 Email: [email protected] • Amritsar: Tel: 0183-5053802 Email: [email protected] • Anand: Tel: 9081903038 Email: [email protected] • Ananthapur: Tel: 08554-244449 Email: [email protected] • Ankleshwar: Tel: 9081903037 Email: mfsankleshwar@kfintech. com • Asansol: Tel: 0341-2220077 Email: [email protected] •Aurangabad: Tel: 0240-2343414 Email: [email protected] • Azamgarh: Tel: 05462- 247947 / 7518801805 Email: [email protected] • Balasore: Tel: 06782-260503 Email: [email protected] • Bangalore: Tel: 080-26602852 Email: [email protected] • Bankura: Tel: 03242-255964 Email: [email protected] • Bareilly: Tel: 7518801806 Email: [email protected] • Barhampore (WB): Tel: 0348- 2274494 / 0348-2254745 / 2309237 Email: [email protected] • Baroda: Tel: 0265-2353506/07 Email: barodamfd@kfintech. com • Begusarai: Tel: 7518801807 Email: [email protected] • Belgaum: Tel: 0831 2402544 Email: [email protected] • Bellary: Tel: 08392-254750 Email: [email protected] • Berhampur (OR): Tel: 0680-2228106 Email: [email protected] • Betul: Tel: 07141-231301 Email: [email protected] • Bhagalpur: Tel: 7518801808 Email: [email protected] • Bharuch: Tel: 9081903042 Email: [email protected] • Bhatinda: Tel: 0164- 5006725 Email: [email protected] • Bhavnagar: Tel: 278-3003149 Email: [email protected] • Bhilai: Tel: 0788-2289499 / 2295332 Email: mfsbhilai@kfintech. com • Bhilwara: Tel: 01482-246362 / 246364 Email: [email protected] • Bhopal: Tel: 0755-4092712 / 0755-4092715 Email: [email protected] • Bhubaneswar: Tel: 0674-2548981 / 0674-2360334 Email: [email protected] • Bikaner: Tel: 0151-2200014 Email: [email protected] • Bilaspur: Tel: 07752-470070 Email: [email protected] • Bokaro: Tel: 7542979444 / 06542-335616 Email: [email protected] • Burdwan: Tel: 0342-2665140 Email: [email protected] • Calicut: Tel: 0495-4022480 Email: [email protected] • Chandigarh: Tel: 0172-5101342 Email: chandigarhmfd@kfintech. com • Chandrapur: Tel: 07172-270262 / 07172-277584 Email: [email protected] • : Tel: 044-42028512 / 044-42028513 / 044-42028858 / Fax: 044-42028514 Email: [email protected] • Chinsura: Tel: 033-26810164 Email: [email protected] • Cochin: Tel: 0484 - 4025059 Email: cochinmfd@ kfintech.com • Coimbatore: Tel: 0422 – 4388011/12/13/14 / 0422 - 4388451 Email: [email protected] • Cuttack: Tel: 0671-220 30 77 Email: mfscuttack@ kfintech.com • Darbhanga: Tel: 7518801809 Email: [email protected] • Davangere: Tel: 0819-2258714 Email: [email protected] • Dehradun: Tel: 7518801810 Email: [email protected] • Deoria: Tel: 7518801811 Email: [email protected] • Dewas: Tel: 07272-426010 Email: mfsdewas@ kfintech.com • Dhanbad: Tel: 9264445981 Email: [email protected] • Dharwad: Tel: 0836- 2744207 Email: [email protected] • Dhule: Tel: 02562- 282823 Email: [email protected] • Dindigul: Tel: 0451- 2436177 Email: [email protected] • Durgapur: Tel: 0343-6512111 Email: mfsdurgapur@ kfintech.com • Eluru: Tel: 08812-227851 / 52 / 53 / 54 / 9959152347 Email: [email protected] • Erode: Tel: 0424-4021212 Email: [email protected] • Faridabad: Tel: 7518801812 Email: [email protected] • Ferozpur: Tel: 01632-241814 Email: [email protected] • andhidham: Tel: 9081903027 Email: [email protected] • Gandhinagar: Tel: 079 23244955 Email: [email protected] • Gaya: Tel: 0631-2220065 Email: mfsgaya@kfintech. com • Ghaziabad: Tel: 7518801813 Email: [email protected] • Ghazipur: Tel: 7518801814 Email: [email protected] • Gonda: Tel: 7518801815 / 9453961547 Email: [email protected] • Gorakhpur: Tel: 7518801816 / 8081127735 Email: [email protected] • Gulbarga: Tel: 8088934338 Email: [email protected] • Guntur: Tel: 0863-2339094 Email: [email protected] • Gurgaon: Tel: 7518801817 Email: [email protected] • Guwahati: Tel: 8811036746 / 0361-2203324 Email: [email protected] • Gwalior: Tel: 7518801818 Email: [email protected] • Haldwani: Tel: 7518801819 Email: [email protected] • Haridwar: Tel: 7518801820 Email: [email protected] • Hassan: Tel: 08172 262065 Email: mfshassan@ kfintech.com • Hissar: Tel: 7518801821 Email: [email protected] • Hoshiarpur: Tel: 01882-500143 Email: [email protected] • Hubli: Tel: 0836- 2252444 Email: [email protected] • Hyderabad: Tel: 040-44857874 / 75 / 76 Email: [email protected] • Indore: Tel: 0731-4266828/4218902 Email: [email protected] • Jabalpur: Tel: 0761- 4923301. Email: [email protected] • Jaipur: Tel: 1414167715/17 Email: [email protected] • Jalandhar: Tel: 0181-5094410 Email: [email protected] • Jalgaon: Tel: 9421521406 Email: [email protected] • Jalpaiguri: Tel: 03561-222136 Email: [email protected] • Jammu: Tel: 0191-2458820 / 2458818 Email: [email protected] • Jamnagar: Tel: 0288 3065810 / 2558887 Email: mfsjamnagar@ kfintech.com • Jamshedpur: Tel: 0657-6655003 / 6655004 / 6655005 / 6655006 / 6655007 Email: [email protected] • Jaunpur: Tel: 7518801822 Email: [email protected] • Jhansi: Tel: 7518801823 Email: [email protected] • Jodhpur: Tel: 7737014590 Email: [email protected] • Junagadh: Tel: 0285-2652220 Email: [email protected] • Kannur: Tel: 0497-2764190 Email: [email protected] • Kanpur: Tel: 7518801824 Email: kanpurmfd@ kfintech.com • Karaikudi: Tel: 04565-237192 Email: [email protected]• Karimnagar: Tel: 0878-2244773 Email: [email protected] • Karnal: Tel: 0184-2252524 Email: [email protected] • Karur: Tel: 04324-241755 Email: [email protected] • haragpur: Tel: 03222-253380 Email:fskharagpur@ kfintech.com • Kolhapur: Tel: 0231 2653656 Email: [email protected] • Kolkata: Tel: 033 66285900 Email: [email protected] • Kollam: Tel: 0474- 2747055 Email: [email protected] • Korba: Tel: 7518801826 Email: [email protected] • Kota: Tel: 0744-5100964 Email: [email protected] • Kottayam: Tel: 0481-2300868 / 2302420 Email: [email protected] • Kurnool: Tel: 08518-228550 Email: [email protected] • Lucknow: Tel: 7518801830 / 0522-2236819 / 3213115 Email: [email protected] • Ludhiana: Tel: 0161-4648747 Email: [email protected] • Madurai: Tel: 0452- 2605856 Email: [email protected] • Malappuram: Tel: 0483-2731480 Email: [email protected] • Malda: Tel: 03512-223763 Email: mfsmalda@ kfintech.com • Mandi: Tel: 7518801833 Email: [email protected] • Mangalore: Tel: 0824-2496289 Email: [email protected] • Margao: Tel: 0832- 2731823 Email: [email protected] • Mathura: Tel: 7518801834 Email: [email protected] • Meerut: Tel: 7518801835 Email: [email protected] • Mehsana: Tel: 02762-242950 Email: [email protected] • Mirzapur: Tel: 7518801836 Email:[email protected] • Moga: Tel: 01636 - 230792 Email: [email protected] •Moradabad: Tel: 7518801837 Email: [email protected] • Morena: Tel: 7518801838 Email: [email protected] • Mumbai: Tel: 022-66235353 Email: [email protected] • Muzaffarpur: Tel: 7518801839 Email: [email protected] • Mysore: Tel: 0821-2438006 Email: [email protected] • Nadiad: Tel: 0268-2563245 Email: [email protected] • Nagerkoil: Tel: 04652 – 233552 Email: [email protected] • Nagpur: Tel: 0712-2533040 Email: [email protected] • Namakkal: Tel: 04286-234801 Email: [email protected] •Nanded: Tel: 02462-237885 Email: [email protected] • Nasik: Tel: 0253-6608999 / 0755-3010732 Email: [email protected] • Navsari: Tel: 9081903040 Email: [email protected] • Nellore: Tel: 0861 2349940 Email: [email protected] • New Delhi: Tel: 011- 43681700 Email: [email protected] Fax: 011-43681710 • Nizamabad: Tel: 08462-224366 Email: [email protected] • Noida: Tel: 7518801840 Email: [email protected] • Palghat: Tel: 9895968533 / 0491 - 2547373 Email: [email protected] • Panipat: Tel: 7518801841 / 0180-3095517 Email: [email protected] • Panjim: Tel: 0832-2426873 / 2426874 Email: panjimmfd@ kfintech.com •Pathankot: Tel: 0186-5080188 Email: [email protected] • Patiala: Tel: 0175-5004349 Email: [email protected] • Patna: Tel: 0612- 4323066 Email: [email protected] • Pollachi: Tel: 04259-235111 / 235122 / 235133 Email: [email protected] • Pondicherry: Tel: 0413 2220640 Email: [email protected] • Proddatur: Tel: 08564 - 242898 Email: [email protected] • Pudukottai: Tel: 04322 - 220050 Email: [email protected] • Pune: Tel: 020-66496700 / 66496701 Email: [email protected] • Raipur: Tel: 0771-4912611 Email: [email protected] • Rajahmundry: Tel: 0883- 2434468/70 Email: [email protected] • Rajapalayam: Tel: 04563 - 232952 Email: [email protected] • Rajkot: Tel: 9081903025 Email: [email protected] • Ranchi: Tel: 0651-2331320 Email: [email protected] • Ratlam: [email protected], 07412-320398, 07412-402009 • Renukoot: Tel: 7518801842 Email: [email protected] • Rewa: Tel: 7518801843 Email: [email protected] • Rohtak: Tel: 7518801844 Email: mfsrohtak@ kfintech.com • Roorkee: Tel: 7518801845 Email: [email protected] • Rourkela: Tel: 0661-2500005 Email: [email protected] • Sagar: Tel: 07582- 402404 Email: [email protected] • Saharanpur: Tel: 7518801846 Email: [email protected] • Salem: Tel: 0427-4020300 Email: mfssalem@kfintech. com • Sambalpur: Tel: 0663-2533437 Email: [email protected] • Satna: Tel: 7518801847Email:[email protected] • Shaktinagar: Tel: 7518801848 Email: [email protected] • Shillong: Tel: 0364 - 2506106 Email: [email protected] • Shimla: Tel: 7518801849 Email: [email protected] • Shimoga: Tel: 08182-228799 Email: [email protected] • Shivpuri: Tel: 7518801850 Email: [email protected] • Sikar: Tel: 01572-250398 Email: [email protected] • Silchar: Tel: 3842261714 Email: [email protected] • Siliguri: Tel: 0353-2522579 Email: [email protected] • Sitapur: Tel: 7518801851 Email: [email protected] •Sivakasi: Tel: 04562 228816 Email: [email protected] • Solan: Tel: 7518801852 Email: [email protected] • Solapur: Tel: 0217-2300021 / 2300318 Email: [email protected] • Sonepat: Tel: 7518801853 Email: [email protected] • Sri Ganganagar: Tel: 0154- 2470177 Email: [email protected] • Srikakulam: Tel: 8942229925 / 9248009412 Email: [email protected] • Sultanpur: Tel: 7518801854 Email: [email protected] • Surat: Tel: 9081903041 / 9081903035 Email: [email protected] • Thanjavur: Tel: 04362-275415 Email: mfsthanjavur@ kfintech.com • Thodupuzha: Tel: 04862-211209 Email: [email protected] • Tirunelveli: Tel: 0462 2335137 Email: [email protected] • Tirupathi: Tel: 9885995544 / 0877-2255797 Email: [email protected] • Tirupur: Tel: 0421-2214221 / 0421-2214319 Email: [email protected] • Tiruvalla: Tel: 0469-2603303 Email: [email protected] • Trichur: Tel: 0487- 6999987 Email: [email protected] • Trichy: Tel: 0431-4020227 Email: mfstrichy@kfintech. com • Trivandrum: Tel: 0471 - 2725728 Email: [email protected] • Tuticorin: Tel: 0461-2334603 Email: [email protected] • Udaipur: Tel: 0294 2429370 Email: [email protected] • Ujjain: Tel: 0734-4250007 / 4250007 Email: [email protected] • alsad: Tel: 02632-258481 Email: mfsvalsad@ kfintech.com • Vapi: Tel: 9081903028 Email: [email protected] • Varanasi: Tel: 7518801855 Email: [email protected] • Vellore: Tel: 0416 2215007 Email: [email protected] • Vijayanagaram: Soubhagya, Tel: 08922-236965 Email: [email protected] • Vijayawada: Tel: 0866-6604032 / 39 / 40 Email: [email protected] • Visakhapatnam: Tel: 0891-2714125 Email: [email protected] • Warangal: Tel: 0870-2441513 Email: mfswarangal@ kfintech.com • Yamuna Nagar: Tel: 7518801857 Email: [email protected]

31 KFIN Technologies Private Limited (Formerly known as Karvy Fintech Private Limited)

The Bank of Baroda logo belongs to Bank of Baroda Contact details MFS Branches and is used under license

Baroda Mutual Fund - Investor Service Centre Contact Points:

Toll Free Number: 1-800-267 0189 (9 am to 6 pm – Monday to Saturday all business days and 9 am to 2 pm on 2nd & 4th Saturday of the month) Email: [email protected] | 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 Baroda Asset Management India Ltd. (Formerly known as Baroda Pioneer Asset Management Company Ltd.) Flat No. 103 & 104, First Floor,Prakash Deep Building, 7 Tolstoy Marg, New Delhi - 110001. Phone: +91 011- 43514662, Fax: +91 11 4592117 Chennai Baroda Asset Management India Ltd. (Formerly known as Baroda Pioneer Asset Management Company Ltd.) 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* (Formerly known as Baroda Pioneer Asset Management Company Ltd.) 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.

32