BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Company Limited) is one of India’s leading private general insurance companies. Established in 2001 and headquartered in Pune, the company is a wholly owned subsidiary of Bajaj Finserv Limited, one of India’s most diversified financial services conglomerate.
Over more than two decades, Bajaj General has grown into a trusted name in insurance, extending its reach to nearly 1,500 towns and cities across India. This wide footprint is supported by one of the country’s largest distribution networks, encompassing individual agents, point-of-sale personnel, banks, NBFCs, motor dealers, brokers, and a dedicated proprietary salesforce.
The company offers a broad and innovative portfolio of insurance products designed to serve individuals, families, businesses, and underserved communities alike. For retail customers, its offerings span motor, health, home, travel, pet, and cyber insurance, as well as niche products such as climate risk and extended warranty coverage.
For corporate clients and SMEs, Bajaj General provides a comprehensive suite of commercial solutions, including fire, marine, engineering, liability, and surety insurance. The company also actively participates in government schemes such as the Pradhan Mantri Fasal Bima Yojana (crop insurance) and Pradhan Mantri Suraksha Bima Yojana, reinforcing its commitment to financial inclusion and rural outreach.
Bajaj General is recognized for its strong risk selection capabilities, digital adoption, and culture of product innovation, all anchored in a ‘Customer-First’ philosophy. It holds an [ICRA]AAA rating, reflecting exceptional financial strength and stability. The company is also an ISO 27001:2022 certified organisation, underscoring its commitment to information security.
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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.