BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
Make your idle money work for you with our Savings+ facility
Savings+ is a unique investment solution by Bajaj Finserv Asset Management Ltd that encourages investors to make their idle money work for them. It helps you seamlessly invest the surplus money lying in your bank accounts into the Bajaj Finserv Liquid Fund or Bajaj Finserv Overnight Fund.
Both are low-risk/low-to-moderate risk debt mutual funds that are relatively stable and offer the potential to earn better returns than savings accounts.
Savings+ gives you the potential to earn relatively better returns on your surplus funds as compared to a regular savings or current account.
You can invest with Savings+ conveniently through website. Also, there are no additional or hidden charges to avail the Savings+ facility.
Bajaj Finserv Liquid Fund and Bajaj Finserv Overnight Fund offer 'insta redemption', where up to Rs.50,000 or 90% of your balance, whichever is lesser, can be redeemed instantly.
Differentiated proposition
Savings+ helps investors manage their idle money smartly and potentially earn reasonable returns that can keep pace with inflation.
Easy investing
It helps retail investors determine the surplus cash available in their savings accounts and invest it into Bajaj Finserv Liquid Fund/Bajaj Finserv Overnight Fund.
Insta-redemption
Investors can instantly redeem up to Rs 50,000 or 90% of their funds, whichever is lower.
Return potential
Debt mutual funds offer the potential for higher returns than regular savings accounts. Liquid funds generated 6.23%* return as compared to 2.5%* in regular savings account. (Data as on Feb 28, 2026).
Liquid Fund Category Average for Reg-Growth for a period of 1 year source: ICRA MFI360
Average rate of savings account is taken from saving rates of top 3 banks.
Past performance may or may not be sustained in future. In bank account, returns are fixed, whereas in mutual funds, returns are subject to market risk.
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Traditional bank accounts are considered one of the safest places for your hard-earned money. However, the inadequate returns offered by them may not keep pace with inflation. Savings+ gives you the opportunity to balance the benefit of savings accounts with the higher return potential of Bajaj Finserv Liquid Fund and Bajaj Finserv Overnight Fund. The low duration and high quality of the underlying securities in these funds mitigates risk.
The minimum investment amount is just Rs 100, and you can invest whenever you want. However, regular investments are recommended to inculcate disciplined savings and make the most of the facility’s opportunities.
Only the accounts from the bank added during onboarding or by the distributor for DIT journeys will be discovered. Multiple bank discovery is not supported.
Yes, all individual accounts in the same bank, including savings and current accounts (excluding joint accounts), will be discovered.
Check if it’s a joint/dormant account, as such accounts may not be discovered.
It’s recommended to add only one account. If two accounts are added, the balance from the account with higher surplus will be considered for reading, but debits will occur only from the account added during onboarding.
The second OTP is triggered by your bank. If not received, there may be an issue at your bank’s end.
Refresh the page if no banners are visible. Additionally, if one banner shows zero balance and the other shows some value, refresh again to display accurate values.
Bajaj Finserv AMC allows only three refreshes per investor. Initially, the investor will see the latest balances upon interaction with the product for the first time. Subsequent refreshes occur mid-month and end of month. If the investor interacts multiple times, they may not see the latest figures.
No, investors can edit all amounts. The numbers on the banners are for guidance and information purposes only.
No, investors need to be aware of their bank’s minimum balance requirement. Our surplus/balance includes these amounts as we do not have access to that data.
Click on this link Link and follow the steps to revoke consent. Revoking consent stops fetching latest balances and surpluses but doesn’t affect marketing or investment communication.
Need help planning your investments?
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.
