Why Us?
InQuBe investment philosophy combines behavioural finance with data and analytics.
Embrace hassle-free investing with our end-to-end digital process.
Our total Assets Under Management as on February 28, 2026
Our Team
Ms. Lakshmi Iyer
Additional Associate Director
Dr. J. Sridhar
Independent
Mr. Ravi Venkatraman
Independent
Mr. Mahendrakumar Gohel
Independent
Mr. Sanjiv Bajaj
Non-executive Director
Ganesh Mohan
Managing Director
Ms. Malvika Sahni Sinha
Independent
Mr. Sandesh Madhukar Kirkire
Independent
Mr. Santosh Kumar Mohanty
Independent
About the Company

Bajaj Finserv Limited
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.
Its diversified suite of financial solutions includes consumer and commercial loans, mortgages, savings products, insurance, mutual funds, and securities trading. Combining data, analytics and technology, Bajaj Finserv Ltd has given its millions of customers a seamless, simplified and personalised experience.

Bajaj Finserv AMC
Bajaj Finserv Asset Management Ltd, a wholly owned subsidiary of Bajaj Finserv Ltd, has carved a niche in India’s mutual fund industry as an organisation committed to meaningful innovation.
This rapid growth helped it surpass the Rs. 31,000-crore AUM milestone as on October 31, 2025. The differentiation reflected in each of its offerings is driven by the three-stage investment philosophy of Bajaj Finserv Asset Management Ltd – InQube – a synergy of informational, quantitative, and behavioural edge.
Innovation and technology are the pillars of Bajaj Finserv Asset Management Ltd in its endeavour to maximise the reach of the Indian mutual fund industry and make wealth creation a possibility for everyone.
Our Investment Philosophy

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.
The InQuBe investment philosophy comprises three edges: Information Edge, Quantitative Edge and Behavioural Edge
Information Edge
Collecting superior information
Information Edge
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?
Quantitative Edge
Processing information better
Quantitative Edge
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.
Behavioural Edge
Exploiting behavioural biases
Behavioural Edge
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.
Fixed Income
Quality and liquidity
Fixed Income
Quality and liquidity
For the fixed income market, the most important aspect is the quality of the asset. Our focus is to create an investment universe of borrowers who have the ability to service and pay back the debt. We evaluate whether there is adequate cover and understand the covenants wherever applicable on securities.
Next comes liquidity management. Here, we use tools to monitor liquidity and duration of the portfolio. It is important to conduct the stress tests regularly to understand portfolio liquidity risk.
Returns have to be evaluated under the lens of risk-adjusted return. We wouldn’t compromise on the quality curve for higher returns. Right selection of security and duration seeks to provide the investors reasonable returns without taking disproportionate risk.
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Our Investment Team
Nimesh Chandan
Chief Investment Officer
Sorbh Gupta
Head – Equity
Siddharth Chaudhary
Head – Fixed Income
Mr. Ilesh Savla
Fund Manager
Mr. Anup Kulkarni
Fund Manager – Equity
Mr. Vinay Bafna
Fund Manager – Commodities
Mr. Sayan Das Sharma
Associate Fund Manager
Our Differentiators

Behavioural Finance
At Bajaj Finserv Mutual Fund, we believe that successful investing goes beyond numbers; it also involves understanding human behaviour. That’s why we place a strong focus on educating investors about behavioural finance – the study of how emotions and biases can influence financial decisions.
People don’t always act rationally when it comes to money. Emotional reactions, overconfidence, and short-term thinking often lead to poor choices. By integrating behavioural insights into our investment approach, we aim to help investors identify these common traps and make thoughtful investment decisions.
Through clear guidance, we aim to help investors:
- Recognize their own behavioural biases
- Make more rational investment choices
- Stay focused on long-term goals
- Avoid panic during market ups and downs
- Understand their true risk tolerance
Our strategies are designed to encourage patience, discipline, and confidence, even in uncertain markets.

Megatrend Investing
At Bajaj Finserv Mutual Fund, we believe in staying ahead of the curve. That’s why we focus on megatrend investing – a strategy that taps into large-scale, long-term shifts shaping the future of the economy and society.
Megatrends like technological innovation, climate change, urbanization, and evolving consumer behaviour have the potential to transform entire industries. Instead of chasing short-term market movements, our approach is to invest in these structural trends for sustainable, long-term growth.
While megatrends offer exciting opportunities, we understand that they can also carry risks. That’s why we emphasize the importance of diversification. By spreading investments across multiple themes, sectors, and market caps, we aim to reduce risk while capturing growth potential.
Investing directly in trend-driven stocks can be volatile and uncertain. Our mutual fund offers a more balanced route by investing across a wide range of companies and sectors aligned with key megatrends. This diversified approach helps investors participate in future-ready opportunities with greater confidence and less concentrated risk.
At Bajaj Finserv Mutual Fund, we aim to help investors build long-term wealth by investing in the transformative ideas shaping tomorrow.
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