BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
3-in-1
Bajaj Finserv
Invest in Quality, Growth and Value
An open ended equity scheme predominantly investing in small cap stocks.
MEGATRENDS INVESTING
Bajaj Finserv
Tap into the Trends of the Future
An open ended equity scheme investing across large cap, mid cap, small cap stocks.
QUALITY OVER QUANTITY
Bajaj Finserv
Invest in a Concentrated Strategy
An open ended equity scheme predominantly investing in large cap stocks.
MOAT INVESTING
Bajaj Finserv
Invest with a Moat Strategy
An open ended equity scheme investing in both large cap and mid cap stocks
LONG-TERM GROWTH
Bajaj Finserv
Sabse Intelligent Plan
Start with ₹500 per month & let compounding do the work
MEGATRENDS INVESTING
Bajaj Finserv
Invest in BFSI Megatrends
An open ended equity scheme investing in Banking and Financial Services sector
MEGATRENDS INVESTING
Bajaj Finserv
Invest in Consumption Megatrends
An open ended equity scheme following consumption theme
Discover our diverse suite of mutual fund schemes
Invest NowDiscover our diverse suite of mutual fund schemes
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Make your idle money work for you with our Savings+ facility. Know More
Potential to earn more on your surplus money compared to regular savings accounts.
Instantly redeem up to ₹50,000 or 90% of your balance, whichever is lesser.
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Our total Assets Under Management as of April 30, 2026.
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Explore answers to common questions about mutual funds, SIP investment, mutual fund calculators, index funds, ELSS, and how to compare mutual funds before investing.
Mutual funds are investment funds that pool money from many investors and invest it in securities such as equities, bonds, money market instruments or a mix of assets. A professional fund manager invests this money according to the scheme’s objective. Investors receive units, and the value of those units changes with the scheme’s Net Asset Value, or NAV.
A mutual fund investment converts your investment amount into units of a selected mutual fund scheme. An Asset Management Company (AMC), such as Bajaj Finserv AMC, pools money from multiple investors and invests it according to the scheme’s objective. For example, if you invest ₹5,000, you receive units based on the scheme’s Net Asset Value (NAV) on the investment date. The value of your investment rises or falls with changes in the NAV. You can invest through an SIP or a lumpsum investment, but returns are market-linked and not guaranteed.
The main types of mutual funds include equity funds, debt funds, hybrid funds, index funds, ETFs, ELSS funds and solution-oriented funds. Each type serves a different investment need. Equity funds generally seek capital appreciation potential, debt funds generally seek income generation potential and relative stability, hybrid funds combine asset classes, and index funds track a market index.
SIP investment is a way to invest a fixed amount in a mutual fund scheme at regular intervals, such as monthly. An SIP mutual fund investment may help investors maintain investing discipline and reduce the need to time the market. Each SIP instalment buys units at the applicable NAV on the investment date.
The SIP of a mutual fund scheme that matches your goal, risk appetite and investment horizon may be suitable for you. SIP is only the investment route; the selected scheme determines the risk and return potential. Information such as the fund category, scheme objective, riskometer, portfolio, expense ratio and holding period may help investors understand the scheme.
A mutual fund calculator is an online tool that estimates the potential future value of a mutual fund investment based on factors such as investment amount, time period and expected rate of return. It can help investors compare SIP and lumpsum investment scenarios and plan their financial goals. While a mutual fund returns calculator provides estimates, it cannot predict actual market returns. Investors can use the free and easy-to-use Mutual Fund Returns Calculator on Bajaj Finserv AMC to explore different investment outcomes.
A SIP calculator helps estimate how regular SIP investment may grow over a chosen time period. You enter the SIP amount, investment duration and expected annual return to get an estimated maturity value. A SIP return calculator or mutual fund SIP calculator can help investors plan for financial goals and compare different investment scenarios, but actual returns may differ from estimates. Investors can use the SIP Calculator on Bajaj Finserv AMC to assess how different SIP amounts and investment tenures may influence their long-term investment planning.
A SIP calculator estimates the future value of regular investments, while a lumpsum calculator estimates the future value of a one-time investment. Use a SIP calculator online when you plan to invest monthly. Investors can use the SIP Calculator and Lumpsum Calculator available on Bajaj Finserv AMC to estimate potential investment outcomes based on different amounts and investment horizons.
Index funds are mutual funds that aim to track the performance of a market index. For example, an index fund may track the Nifty 50, Nifty Next 50 or another benchmark index. Index funds are passively managed and may be suitable for investors looking for diversified, market-linked exposure with relatively lower fund management costs.
A Nifty 50 Index Fund is a mutual fund that aims to track the performance of the Nifty 50 Index by investing in its constituent companies. It provides investors with exposure to 50 of India’s largest listed companies through a single scheme. Returns generally move in line with the index, subject to tracking error, fund expenses and market conditions. Investors seeking a passive investment option can explore the Bajaj Finserv Nifty 50 Index Fund.
An ELSS mutual fund (Equity Linked Savings Scheme) is a tax-saving mutual fund that offers eligible investors tax deduction benefits under Section 80C of the Income Tax Act under the old tax regime, subject to applicable tax laws. ELSS funds invest mainly in equity and equity-related securities and have a mandatory three-year lock-in period. Since returns are market-linked, they can fluctuate over time. Investors can explore the Bajaj Finserv ELSS Tax Saver Fund for tax-saving purposes and long-term investment objectives.
The tax information in this article is based on prevailing laws at the time of publishing the article and is subject to change. Please consult a tax professional or refer to the latest regulations for up-to-date information.
Large cap mutual funds invest mainly in large companies, mid cap mutual funds invest mainly in medium-sized companies, and small cap mutual funds invest mainly in smaller companies. Small cap mutual funds can offer higher growth potential, but they can also be more volatile. Investors should choose based on risk appetite and investment horizon.
Suitable mutual funds vary based on factors such as financial goals, risk profiles and investment time frames. Mutual funds can be evaluated using information such as their category, benchmark, portfolio, expense ratio, riskometer, fund strategy and historical performance consistency.
High return mutual funds are not always better because higher return potential often comes with higher risk and volatility. A fund may be evaluated for suitability, consistency, risk-adjusted performance, portfolio quality and alignment with financial goals. For most investors, a suitable mutual fund is more relevant than the highest recent performer.
A mutual fund screener is a tool that helps filter and compare mutual funds by category, returns, risk, fund size, expense ratio, benchmark and other parameters. It can help shortlist suitable mutual funds to consider, but the final decision may also depend on factors such as goals, holding period, risk tolerance and scheme documents.
Bajaj Finserv AMC offers mutual funds across categories such as equity funds, debt funds, hybrid funds, index funds, ETFs and ELSS tax-saving funds. Investors can review scheme details, use online calculators, and invest through an SIP or a lumpsum investment after completing KYC and the required formalities. Scheme objectives, riskometers and scheme documents provide important information for investors.
Most open-ended mutual fund schemes allow investors to redeem units on an ongoing basis at NAV-linked prices. However, redemption may be subject to exit load, lock-in period, tax implications and settlement timelines. ELSS mutual funds, for example, have a three-year lock-in period. Scheme details provide information relevant to investing or redeeming.
Yes, mutual funds are taxable in India, but the tax treatment depends on the type of mutual fund and your holding period. For equity mutual funds, gains on investments held for up to 12 months are taxed at 20%, while gains above ₹1.25 lakh on investments held for more than 12 months are taxed at 12.5%. For debt mutual funds purchased on or after April 1, 2023, gains are generally taxed according to your income tax slab. ELSS mutual funds may also offer a tax deduction of up to ₹1.5 lakh under Section 80C under the old tax regime, subject to applicable tax laws.
The tax information in this article is based on prevailing laws at the time of publishing the article and is subject to change. Please consult a tax professional or refer to the latest regulations for up-to-date information.
NAV, or Net Asset Value, is the per-unit value of a mutual fund scheme. It reflects the market value of the scheme’s assets after adjusting for liabilities and is used for buying and redeeming mutual fund units. NAV changes as the value of the securities held by the scheme changes.
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A mutual fund is an investment option that brings money from many investors into one professionally managed fund. This fund invests across assets such as equities, debt instruments or a mix of both, based on the scheme’s objective. For investors, this can be a simple way to participate in the market without having to select and manage every investment on their own.
Mutual funds can support a wide range of financial goals. Equity funds may suit long-term potential wealth creation, debt funds can offer relative stability, hybrid funds combine equity and debt, while index funds and ETFs can help investors take a passive investment approach. You can choose a scheme based on your goal, risk comfort and investment time frame.
One feature of mutual funds is diversification. Since your money is spread across many securities, it can help reduce dependence on a single investment. Mutual funds are also managed by experienced fund managers who track markets, study opportunities and make portfolio decisions based on research and market analysis. You can start with a Systematic Investment Plan (SIP) to invest regularly or choose a lumpsum investment when you are ready.
An SIP calculator can help you plan with more clarity. By entering your investment amount, time period and expected return, you can get an estimate of how your investment may potentially grow over time. This can help you compare scenarios and plan your next step based on your goals.
With Bajaj Finserv AMC, you can explore a range of mutual fund schemes across equity, debt, hybrid and passive categories. The fully digital journey is designed to make it simpler to invest, track and manage your investments online. Whether you are starting your first SIP or planning a lumpsum investment, Bajaj Finserv AMC can help you explore mutual fund schemes that align with your financial goals.
Start investing with Bajaj Finserv AMC and take the next step towards your long-term financial goals.
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Bajaj Finserv Limited, an unregistered Core Investment Company (CIC) under RBI Regulations 2020, is a part of the renowned Bajaj Group.
One of India’s leading and most diversified financial services institutions, Bajaj Finserv Ltd provides simple financial solutions to crores of people every day through its group companies. Through continuous innovation, it strives to enrich the lives of communities across the length and breadth of the country and make financial security accessible to all.
Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making.
Alpha (a) is a term used in investing to describe an investment strategy’s ability to beat the market.
Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to 'beat the market' on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don't have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
