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# Bajaj Asset Management Ltd: Bajaj Asset Management Limited (formerly Bajaj Finserv Asset Management Limited), 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 39,660.05 Crore AUM milestone as on August 31, 2026. The differentiation reflected in each of its offerings is driven by the three-stage investment philosophy of Bajaj Asset Management Ltd – InQube – a synergy of informational, quantitative, and behavioural edge.
## Sitemaps
[XML Sitemap](https://www.bajajamc.com/sitemap_index.xml): Includes all crawlable and indexable pages.
## Posts
## Pages
- [leadership Desk](https://www.bajajamc.com/leadership-desk): Stories, lessons, and reflections drawn from experience, from those leading the way.
- [ETF Calculator](https://www.bajajamc.com/etf-calculator): Use the ETF calculator to see how monthly or one-time investments may grow. Change the amount, time period or assumed return to explore different scenarios.
- [NPS Calculator](https://www.bajajamc.com/nps-calculator): An NPS calculator is an online tool that estimates how much you could save for retirement through the National Pension System. Enter your monthly contribution, current age and assumed annual return, and Bajaj AMC’s calculator projects your savings by age 60.
- [Compare Mutual Funds](https://www.bajajamc.com/compare-mutual-funds): The mutual fund comparison tool helps you compare eligible Bajaj AMC’s mutual fund schemes based on historical returns, risk level, NAV, fund category, launch date and top holdings. This can help you assess schemes in line with your financial goals, risk appetite and investment horizon.
- [Creation Unit](https://www.bajajamc.com/creation-unit-2): Details Of Creation Unit
- [About Bajaj Finserv](https://www.bajajamc.com/bajaj-finserv): Bajaj Finserv Limited, one of India’s oldest and most diversified conglomerates, is a leading financial company in the country. The organisation serves crores of people, helping them meet their life goals through various financial solutions.
- [About Bajaj General Insurance Limited](https://www.bajajamc.com/bajaj-general-insurance): 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.
- [About Bajaj Finance Limited](https://www.bajajamc.com/bajaj-finance): One of India’s leading and most diversified financial services companies, Bajaj Finance provides a wide range of financial solutions to more than 115 million customers.
## Glossaries
- [I’m 25 And Earning ₹30k A Month. How Should I Start Investing For Long-Term Growth?](https://www.bajajamc.com/glossary/im-25-and-earning-30k-a-month-how-should-i-start-investing): If you’re 25 and earning ₹30,000 a month, you can start investing for long-term growth without setting aside a large sum. Begin with an amount that fits your budget while you build savings for unexpected expenses.
- [Which Investment Options Under ₹5 Lakh Offer the Best Balance of Risk and Return for a Beginner?](https://www.bajajamc.com/glossary/investment-options-under-5-lakh-risk-return): The best investment options under ₹5 lakh depend on what you want the money to do. Money that may be needed soon can stay in an accessible option, while money for a longer-term goal can be invested with growth in mind. You do not have to choose just one option either. The ₹5 lakh can be divided across immediate needs, short-term goals and long-term investments.
- [I Have ₹50,000 to ₹1 Lakh and Want to Start Investing: Should I Put It into Mutual Funds, Direct Stocks, or Something Else as a Beginner?](https://www.bajajamc.com/glossary/mutual-funds-vs-stocks-where-to-invest-50000-to-1-lakh): If you have ₹50,000 to ₹1 lakh to invest, there is no need to choose an option based on potential returns alone. Start by considering when you may need the money, how comfortable you are with market fluctuations and how actively you want to manage the investment.
- [I’m Curious About Practical, Realistic Ways to Reach a Monthly Income of ₹30 Lakh in India: What Approaches Should I Explore First?](https://www.bajajamc.com/glossary/how-to-earn-30-lakh-monthly-in-india): A monthly income of ₹30 lakh in India equals ₹3.6 crore a year. From an investment perspective, generating this amount would require a very large corpus built over time. Mutual funds can support that journey, but they cannot assure a fixed income or remove market risk.
- [What are Dynamic Asset Allocation Funds? Meaning, Benefits and Taxation](https://www.bajajamc.com/glossary/what-are-dynamic-asset-allocation-funds): Dynamic asset allocation funds, also known as Balanced Advantage Funds, are hybrid mutual funds that can flexibly adjust their equity and debt exposure as market conditions change.
- [Can a ₹2,000 SIP Really Beat Inflation?](https://www.bajajamc.com/glossary/can-a-2000-sip-really-beat-inflation): Many people assume you need a large amount of money to start investing meaningfully, which is why a ₹2,000 SIP can sometimes feel too small to make an impact. But when it comes to long-term investing, the focus is not just on the amount you start with. It is whether investing consistently over time can potentially help your money keep pace with inflation. 
- [What Happens If You Skip SIPs During Market Crashes? ](https://www.bajajamc.com/glossary/what-happens-if-you-skip-sips-during-market-crashes): When markets fall sharply and portfolios turn negative, it’s natural to question whether continuing your SIPs still makes sense. Many investors feel tempted to pause investments during market crashes, especially when uncertainty is high. However, before making that decision, it helps to understand how SIPs work during volatile phases and what skipping investments could mean for your long-term financial journey. 
- [Which Builds More Wealth: ₹10,000 Monthly SIP or ₹10 Lakh Lumpsum? ](https://www.bajajamc.com/glossary/which-builds-more-wealth-10000-monthly-sip-or-10-lakh-lumpsum): If you had ₹10 lakh available today, would it be better to invest it all at once? Or could investing ₹10,000 every month through a SIP potentially create a larger corpus over time? 
- [What to Do With Your Salary Increment: How to Allocate a Raise Wisely ](https://www.bajajamc.com/glossary/what-to-do-with-your-salary-increment-how-to-allocate-a-raise-wisely): A salary increment can feel rewarding. It reflects your hard work and may indicate that your income is moving in the right direction. But once the excitement settles, the question is simple. What can you do with the extra money? The answer does not have to be saving everything or spending everything. A balanced approach is to give every part of your raise a clear purpose, so it can support your present needs, future goals, and overall financial comfort. 
- [SIP Investment at Age 30 vs 45: How Your Portfolio May Change at 25, 35, 45 and 55](https://www.bajajamc.com/glossary/what-should-your-investment-portfolio-look-like-at-25-35-45-and-55): Your investment portfolio will naturally change as life moves forward. At 25, you may be earning and investing for the first time. By 35, family expenses or loan repayments may claim a larger share of your income. At 45, retirement and other major goals may be getting closer. At 55, regular income and easy access to money may need more attention.
- [At 30 With ₹50K to ₹1 Lakh Salary: How to Build Long-Term Wealth](https://www.bajajamc.com/glossary/at-30-with-a-50k-to-1-lakh-monthly-salary-how-should-you-build-long-term-wealth): If you are asking, “At 30 with a ₹50K to ₹1 lakh monthly salary, how should you build long-term wealth?”, you are thinking at the right time. Your income may be increasing, and so are your lifestyle choices. It is easy to raise spending, but this stage often shapes your financial position in your 40s. You still have time to act, and starting early may improve your long-term financial flexibility, subject to disciplined planning and market conditions.
- [PE Ratio (P/E Ratio): Meaning, Formula, Types and How to Calculate](https://www.bajajamc.com/glossary/what-is-the-price-to-earnings-p-e-ratio): A share price tells you how much a stock currently costs. However, it does not show how that price compares with the company’s earnings. The price-to-earnings ratio, or P/E ratio, helps make this comparison. This article covers PE ratio meaning, its formula, the different types of P/E ratios and the factors that can affect its interpretation. It also explains how the ratio may be used when looking at individual stocks and equity mutual fund portfolios.
- [What Is a Corpus Fund? Meaning, Calculation and Role in Mutual Funds](https://www.bajajamc.com/glossary/what-is-corpus-in-mutual-funds): A “corpus fund” is not a separate mutual fund category. The term is also used outside the context of mutual funds, where it may refer to money reserved by a trust, institution or individual for a specific purpose.
- [What is Yield to Maturity (YTM)? Meaning, Formula & Calculation Explained](https://www.bajajamc.com/glossary/what-is-yield-to-maturity-ytm): Yield to Maturity (YTM) is an important financial metric for bond investors. It offers a comprehensive estimate of the total return a bondholder can expect if the bond is held until maturity. Unlike current yield, which only considers annual coupon payments, YTM accounts for the bond’s purchase price, face value, coupon payments, and the time value of money. This makes it a more accurate tool for assessing and comparing bonds with varying maturities and interest rates. 
- [E-Mandate: Frequently asked questions](https://www.bajajamc.com/glossary/e-mandate-frequently-asked-questions): 1. What is an e-mandate?
An e-mandate is an electronic authorization given by a customer to allow recurring payments or transactions, typically used in banking and payment systems. 2. How do I set up an e-mandate?
You can set-up e-mandate with Bajaj Finserv AMC through our investor portal. You can access it here. You can watch our video on the process here and download our user guide here. 3. Is an e-mandate secure?
Yes, e-mandates are designed with security measures to protect your personal and financial information, often utilizing encryption and secure authentication methods. 4. What are the benefits of using an e-mandate?
Benefits include convenience, automatic payments, reduced paperwork, and better management of recurring expenses. 5. Can I cancel an e-mandate?
You can cancel your e-mandate using Kfin link which is available on Bajaj Finserv AMC website MFS Investor Login | Mutual Fund Investors | MF Services (kfintech.com).You can also watch our video detailing the process here and download our user guide here. 6. How long does it take for an e-mandate to be activated?
Mandate activation turnaround time (TAT) varies from one bank to another and is governed by National Payments Corporation of India (NPCI). 7. What happens if there are insufficient funds in my account with an e-mandate?
If there are insufficient funds, the payment may be declined, and you might incur fees or penalties depending on your bank's policies. 8. Are there any fees associated with setting up an e-mandate?
Fees can vary by bank; some may charge for setup or for specific types of transactions, so it’s better to check with your bank. 9. What should I do if I notice unauthorized transactions related to my e-mandate?
Contact your bank immediately to report the unauthorized transactions and seek assistance in resolving the issue. 10. What happens to an SIP (Systematic Investment Plan) if the mandate is cancelled?
When a mandate is cancelled, all SIPs linked to that mandate will also be cancelled.
- [What Are Treasury Bills (T-Bills) and How do they Work?](https://www.bajajamc.com/glossary/what-are-treasury-bills): Treasury bills are short-term debt instruments issued by the Government of India and auctioned by the Reserve Bank of India on its behalf. They are currently available with maturities of 91 days, 182 days and 364 days. T-bills do not pay periodic interest. Instead, they are issued below their face value and redeemed at face value on maturity.
- [What Is KYC? Meaning, Process, Documents and KYC Status](https://www.bajajamc.com/glossary/what-is-kyc-process): You are ready to make your first mutual fund investment. You have selected a scheme, decided between an SIP and a lumpsum investment, and reached the application stage. Then you are asked to complete KYC. It can feel like one more formality, but an incomplete or outdated KYC record can hold up the entire transaction.
- [What are Large and Mid Cap Funds?](https://www.bajajamc.com/glossary/what-are-large-and-mid-cap-funds): Large and mid cap funds are a category of mutual funds that invest in a mix of large and mid-sized companies in terms of market capitalisation. Such funds seek to balance the relative stability of large caps with the growth potential of mid caps.
- [What is Savings+?](https://www.bajajamc.com/glossary/what-is-savings-plus): Savings+ by Bajaj Finserv Asset Management Ltd is a unique investment solution that helps investors combine relative stability with the potential for reasonable returns. It enables investors to seamlessly invest the surplus funds lying idle in their bank accounts into the Bajaj Finserv Liquid Fund or Bajaj Finserv Overnight Fund.
- [How does a lumpsum calculator help you plan your investments effectively?](https://www.bajajamc.com/glossary/what-is-lumpsum-calculator): The term lumpsum refers to a single, one-time investment, as opposed to investing small amounts regularly. A lumpsum calculator is an online tool designed to calculate the potential future value of such an investment over a certain period. It considers the amount invested, the duration of the investment and the expected rate of return.
- [What is an offer document in mutual funds?](https://www.bajajamc.com/glossary/what-is-offer-document): The mutual fund offer document is a detailed guide that contains essential information related to a mutual fund scheme. Mutual fund companies provide the offer document to comply with regulatory requirements and help investors make informed decisions and comply with regulatory requirements.
- [What is mutual fund load?](https://www.bajajamc.com/glossary/what-is-mutual-fund-load): Mutual fund load refers to the sales charge or commission charged by the Asset Management Company (AMC) when investors sell mutual fund units. It can affect the overall returns on mutual fund investments. Moreover, it’s important to note that the expense ratio of the fund does not include mutual fund load, meaning it is levied separately by the AMC subject to conditions.
- [What is average maturity?](https://www.bajajamc.com/glossary/what-is-average-maturity): Investing in a bouquet of securities and assets is a suitable way of diversifying one’s portfolio. However, when investing in the debt market, it is crucial to align the ‘average maturity’ of the portfolio or fund with one’s objectives, investment horizon, and risk appetite. Thus, understanding the concept of average maturity is crucial to making informed investment decisions, especially when it comes to debt instruments.
- [What is yield curve?](https://www.bajajamc.com/glossary/what-is-yield-curve): The bond market plays a crucial role in financing economies and offering investors various opportunities. However, navigating its intricacies can be intimidating. A key concept to grasp is the yield curve, a seemingly simple graph that reveals invaluable insights about the interest rates and potential risks that shape the debt market.
- [Who is mutual fund custodian?](https://www.bajajamc.com/glossary/who-is-mutual-fund-custodian): Mutual fund custodians play a key role in India’s investment landscape. These are essentially independent financial institutions that ensure that everything runs smoothly behind the scenes.
- [What Is Macaulay Duration? Meaning, Formula, and Calculation](https://www.bajajamc.com/glossary/what-is-macaulay-duration): Macaulay Duration indicates the potential impact of interest rate changes on the performance of a debt fund. The Macaulay Duration definition states that it is a measure of the time period it will take for the principal of a bond to be repaid from the internal cash flows generated by the bond. Named after Frederick Macaulay, it represents the bond's price sensitivity to changes in interest rates, with higher durations indicating greater price volatility in response to interest rate fluctuations.
- [What Is Earnings Per Share (EPS)? Meaning, Formula, Types and Importance](https://www.bajajamc.com/glossary/what-is-earnings-per-share): A company may earn a sizeable profit, but that number alone does not tell you how much profit is associated with each share. Earnings per share, or EPS, helps make that connection.
- [Public Sector Undertakings (PSU) Bonds](https://www.bajajamc.com/glossary/public-sector-undertakings-psu-bonds): Public sector undertakings (PSU) bonds are often considered suitable for investors seeking exposure to instruments that offer the potential for relatively steady, though still market-linked, interest income. PSU bonds follow a defined structure. They specify the maturity period, coupon rate and repayment schedule at the time of issue. Investors receive interest at pre-determined intervals, and the principal is repaid at maturity, subject to the issuer meeting its obligations. In this article, we look in detail about these bonds.
- [What is the portfolio turnover ratio?](https://www.bajajamc.com/glossary/what-is-the-portfolio-turnover-ratio): A mutual fund portfolio changes as its fund manager buys and sells securities. The portfolio turnover ratio measures the extent of this trading activity over a specified period, generally one year.
- [What are fixed maturity plans?](https://www.bajajamc.com/glossary/what-are-fixed-maturity-plans): Fixed Maturity Plans (FMPs) offer investors a combination of features. But what exactly is the fixed maturity plans meaning and how do they work? Let’s check out the fixed maturity plans definition and assess if these instruments are suitable for you.
- [What is a growth option in mutual funds?](https://www.bajajamc.com/glossary/what-is-a-growth-option): A growth option in mutual funds refers to a specific investment facility designed to maximise the potential for capital appreciation over the long term. Growth Options are offered by mutual fund companies, alongside other variants like Reinvestment of Income Distribution cum Capital Withdrawal (IDCW) option or Payout of IDCW option. Let’s check out what is the growth option in mutual funds in detail and take a look at the Growth option definition.
- [What is fund of funds (FOF) in mutual funds?](https://www.bajajamc.com/glossary/what-is-fund-of-funds-fof-in-mutual-funds): A fund of funds means a mutual fund scheme that diversifies investors' portfolios by pooling their money and investing it across a wide range of other mutual funds. So, instead of directly investing in stocks and bonds, an FOF puts money into same/different funds managed by various fund houses.
- [What are Fixed Income Securities? Meaning, Types and Benefits](https://www.bajajamc.com/glossary/what-are-fixed-income-securities): Fixed income securities are debt instruments through which an investor lends money to a government, company or another eligible issuer. In return, the issuer may make scheduled interest payments and repay the principal on maturity.
- [What Is Face Value in the Share Market? Meaning, Formula and Importance](https://www.bajajamc.com/glossary/what-is-face-value): When investing in the share market, you may come across terms such as face value, market value, and Net Asset Value (NAV). While these concepts may sound similar, they serve different purposes. Face value, also known as the nominal or par value, is the value assigned to a share, bond, or mutual fund unit at the time of issuance.
- [What is dividend payout ratio?](https://www.bajajamc.com/glossary/what-is-dividend-payout-ratio): Investing in stocks and mutual funds offers the potential for capital appreciation. However, another potential benefit of these investments is dividend income or Income Distribution cum capital withdrawal (IDCW), as applicable. Dividend payouts are distributed by companies to their shareholders in proportion to their investments held or shares held. But how much does a company typically distribute as dividends? This is where the dividend payout ratio comes in.
- [Direct plan in mutual funds](https://www.bajajamc.com/glossary/what-is-a-direct-plan-in-mutual-funds): Table of contents
- [What is cost inflation index?](https://www.bajajamc.com/glossary/what-is-cost-inflation-index): The cost Inflation index is an indicator that is used for adjusting capital expenditures made on assets to account for inflation and arrive at their tax-deductible value. The cost inflation index is notified by the Indian government annually and it takes March 31, 2001 as the base year with an index value of 100. The index for each subsequent year indicates by what percentage the general price level has increased compared to the base year.
- [What is churn rate?](https://www.bajajamc.com/glossary/what-is-churn-rate): The churn rate reflects the frequency of buying and selling assets within your portfolio. Understanding the churn rate meaning and its impact can empower investors to make informed decisions regarding their portfolios.
- [What Is Call Money? Meaning, Features & Role in the Money Market](https://www.bajajamc.com/glossary/what-is-call-money): Call money refers to short-term lending and borrowing between banks and other financial institutions in the Indian money market. It allows banks and financial institutions to meet their short-term fund requirements and manages daily liquidity in the banking system.
- [How is Sharpe ratio calculated?](https://www.bajajamc.com/glossary/how-is-sharpe-ratio-calculated): The Sharpe Ratio is a fundamental tool used by investors to determine the risk-adjusted return of an investment strategy or portfolio. Named after its creator – Nobel laureate William F. Sharpe – the Sharpe Ratio provides a standardised measure to evaluate the returns of an investment relative to its risk.
- [What are Mutual Fund Units?](https://www.bajajamc.com/glossary/what-are-mutual-fund-units): If you plan to invest in a mutual fund, it is imperative for you to know what mutual fund units are. Units represent an investor’s ownership stake in a mutual fund and serve as the vehicle through which individuals can participate in the fund's performance.
- [What is an asset class?](https://www.bajajamc.com/glossary/what-is-an-asset-class): The term ‘asset class’ refers to a group of financial instruments that share similar characteristics and behaviour in the market. For example, fixed-income instruments, stocks, real estate, and gold are a few distinct asset classes in the market. Knowing the features of each asset class can help in deciding where to invest and how to diversify your portfolio for better risk management and potential returns.
- [What is absolute return on an investment?](https://www.bajajamc.com/glossary/what-is-absolute-return-on-an-investment): Absolute returns are an important metric for investors to get a broad idea of how their investments are performing. Unlike relative return, which compares an investment's performance to a benchmark index, absolute return focuses solely on the actual gains or losses.
- [What are floating rate funds?](https://www.bajajamc.com/glossary/what-are-floating-rate-funds): Floating rate funds are a category of fixed-income mutual funds that invest primarily in debt instruments with floating interest rates. Unlike traditional fixed-income securities, where interest rates remain constant over the investment period, the interest rate in floating-rate instruments is reset periodically based on a benchmark, such as the repo rate. This helps mitigate some of the risks associated with fixed-income investments.
- [Understanding repo rate](https://www.bajajamc.com/glossary/understanding-repo-rate): The repo rate is the rate at which India’s central bank, the Reserve Bank of India (RBI), lends money to commercial banks. It is one of the RBI's key tools to keep inflation under control.
- [Tracking Error: Meaning, Formula, Example & How It Is Calculated](https://www.bajajamc.com/glossary/what-is-tracking-error): With the growing popularity of index funds and ETFs, investors aim to achieve returns that align with benchmark indices like the Nifty 50 and Sensex. But how can you assess whether these funds effectively track their benchmarks? The key lies in tracking error, a vital metric that helps measure a fund’s performance in replicating its index. Though it may sound technical, tracking error has a direct impact on investment outcomes. This blog breaks down the concept, explaining its significance, calculation, and its influence on investment strategies. Whether you're experienced or new to mutual funds, understanding tracking error can offer valuable insights into the performance and suitability of index fund and ETF investments in India.
- [What is a mutual fund trustee?](https://www.bajajamc.com/glossary/what-is-a-mutual-fund-trustee): Mutual funds enable individuals to invest in a diversified portfolio of securities managed by professionals. However, behind the scenes of these investment schemes is a crucial entity known as the mutual fund trustee.
- [Minimum additional investment](https://www.bajajamc.com/glossary/minimum-additional-investment): Most mutual funds set minimum amounts for investing in a scheme. Such a threshold may be applicable on initial as well as additional investments. A minimum additional investment is the least amount of money that an investor needs to put into a scheme to continue participating in it after the initial investment has been made.
- [What are mid cap stocks?](https://www.bajajamc.com/glossary/what-are-mid-cap-stocks): Mid cap stocks refer to shares of companies that fall within the 101 to 250th position based on market capitalisation among the companies listed on the stock exchange. In other words, the companies have a moderate market cap and their stocks tend to have a higher return potential than large cap stocks and typically a lower risk than small cap stocks.
- [What are credit risk mutual funds?](https://www.bajajamc.com/glossary/what-are-credit-risk-mutual-funds): Investing in debt funds is often recommended to people seeking relatively stable returns. But what if you want to boost your return potential while still playing within the relatively stable realm of debt? This is where credit risk mutual funds come in.
## Knowledge Centres
- [12 Money Habits to Give Up This Dussehra](https://www.bajajamc.com/knowledge-centre/money-habits-to-give-up-this-dussehra): Thoughtful money management can leave room for celebrations while keeping the bills and goals that follow them in view.
- [Diwali Bonus 2026: How Employees Can Save, Invest or Spend It Wisely](https://www.bajajamc.com/knowledge-centre/diwali-bonus-save-invest-or-spend): A Diwali bonus often gets spent in your head before it reaches your bank account. There are gifts to buy, travel plans to book and perhaps a phone you have been meaning to replace.
- [From Dussehra to Diwali: A Financial Planning Checklist](https://www.bajajamc.com/knowledge-centre/diwali-financial-planning-checklist): This financial planning checklist brings those decisions together. Work through it in a few short sessions, leaving time to enjoy the celebrations too.
- [Start Your SIP This Navratri: A Beginner’s Guide to Mutual Funds](https://www.bajajamc.com/knowledge-centre/how-to-start-sip-navratri-beginners-guide): For anyone exploring SIP for beginners, the priority is a suitable plan you can maintain. Learning how to start SIP is the first step; reviewing it thoughtfully helps keep it connected to your financial needs.
- [How GLP-1 Could Change What India Eats and Buys](https://www.bajajamc.com/knowledge-centre/how-glp-1-could-change-what-india-eats-and-buys): A smaller snack packet. A lighter restaurant order. More attention to the nutrition label. These everyday choices may seem far removed from developments in medicine, but they help explain why a group of diabetes and weight-management therapies is attracting interest beyond healthcare.
- [Debt-to-Equity Ratio: Meaning, Formula and How to Interpret It](https://www.bajajamc.com/knowledge-centre/debt-to-equity-ratio): A company’s borrowing can help it grow, but the amount alone tells you little. How does that borrowing compare with the money belonging to shareholders? The debt-to-equity ratio answers that question. Learn the D/E ratio formula, calculate it from a balance sheet and see how to read the result.
- [Cash Reserve Ratio (CRR): Meaning, Current Rate and How It Works](https://www.bajajamc.com/knowledge-centre/cash-reserve-ratio): An RBI announcement about the cash reserve ratio can sound like news for banks alone. Yet a CRR change affects how much money banks have available to lend. If you are wondering what is CRR and why it matters, start with the amount banks must keep with the RBI. From there, it becomes easier to understand the current rate and what a change could mean for lending.
- [What Is an ISIN Number? Meaning, Format and Uses](https://www.bajajamc.com/knowledge-centre/what-is-an-isin-number): An ISIN number is a unique 12-character alphanumeric code used to identify a specific security. Shares, bonds, debentures, government securities and mutual fund units can each carry an ISIN.
- [What is a Qualified Institutional Buyer (QIB)?](https://www.bajajamc.com/knowledge-centre/qualified-institutional-buyer): The term qualified institutional buyer (QIB) frequently appears in initial public offering (IPO) documents and announcements about institutional fundraising. It identifies a category of investors that meets eligibility conditions specified by the Securities and Exchange Board of India (SEBI).
- [Loan Against Mutual Funds: How It Works, Benefits, Risks and Key Considerations](https://www.bajajamc.com/knowledge-centre/loan-against-mutual-funds): An unexpected expense may leave an investor weighing two choices: redeem mutual fund units or borrow money. A loan against mutual funds offers a way to borrow against eligible investments without immediately selling them. However, it also creates repayment obligations and restricts access to the pledged units.
- [Lifestyle Inflation: Meaning, Examples and How to Avoid It](https://www.bajajamc.com/knowledge-centre/lifestyle-inflation): A salary increase can make life more comfortable. But if every increase in income is followed by higher spending, there may be little extra money left for savings. This gradual rise in expenses is known as lifestyle inflation. Recognising it can help you enjoy a better standard of living while continuing to work towards the goals that matter to you.
- [Where to Keep Your Emergency Fund? Best Options in India](https://www.bajajamc.com/knowledge-centre/where-to-keep-emergency-fund): An emergency fund needs to be accessible when an unexpected expense or temporary loss of income arises. If you are deciding where to keep emergency fund money, consider how soon you may need it and how each option works. This guide compares emergency fund investment options available in India.
- [Understanding the Bucket Strategy for Retirement](https://www.bajajamc.com/knowledge-centre/bucket-strategy-for-retirement): A retirement corpus may need to support groceries next month and healthcare or living costs decades later. The bucket strategy for retirement separates money by when it may be required, helping you plan withdrawals without treating every investment alike. This article explains how a retirement bucket strategy works in practice.
- [Reverse Repo Rate Meaning: How It Works and Why It Matters](https://www.bajajamc.com/knowledge-centre/what-is-reverse-repo-rate): Banks do not lend out every rupee they hold. At times, they have surplus funds that they may place with the Reserve Bank of India (RBI) through reverse repo transactions. The interest rate applicable to these transactions is called the reverse repo rate.
- [REITs vs InvITs: Key Differences, Benefits and Risks Investors Should Know](https://www.bajajamc.com/knowledge-centre/reits-vs-invits): This table gives a comprehensive REIT vs InvIT comparison:
- [FIRE Movement: Meaning, Types and Early Retirement Planning](https://www.bajajamc.com/knowledge-centre/what-is-fire-movement): The FIRE meaning comes from its full form, Financial Independence, Retire Early. The FIRE movement encourages you to build savings and investments that can support life without a salary. Here’s how it works and what your expenses, goals and circumstances mean for your plans to step away from full-time work.
- [High Net Worth Individuals (HNI): Meaning, Characteristics and Investment Options](https://www.bajajamc.com/knowledge-centre/high-net-worth-individuals): A business owner, a salaried professional and a person with inherited assets may all be described as high net worth individuals (HNIs).
- [How to Analyse Mutual Fund Performance?](https://www.bajajamc.com/knowledge-centre/analyse-mutual-fund-performance): A mutual fund’s recent performance tells only part of its story. Two schemes may report similar historical results while taking different levels of risk, holding different securities or charging different expenses.
- [Nifty Sugar & Ethanol Index: Meaning, Stocks, Selection and Returns](https://www.bajajamc.com/knowledge-centre/nifty-sugar-and-ethanol): Sugar and ethanol are closely connected businesses: some companies produce sugar, ethanol or both. The Nifty Sugar & Ethanol Index brings eligible listed companies in this theme into one market benchmark, making it easier to see how their shares perform as a group.
- [What Is a Debt ETF? Meaning, Types, Returns and Risks in India](https://www.bajajamc.com/knowledge-centre/debt-etf): Buying a bond means choosing an issuer, understanding when it will repay you and keeping track of its credit risk. A debt ETF offers a different route: one exchange-traded unit gives you exposure to a portfolio of debt securities selected to track an index.
- [What Are Liquid ETFs? Meaning, How They Work and How to Invest in India](https://www.bajajamc.com/knowledge-centre/liquid-etfs): Money in your trading account may be waiting for your next investment. A liquid ETF offers a way to invest that money in short term money market instruments while holding the units in your demat account. You can buy and sell those units on a stock exchange during trading hours.
- [What Are Active ETFs? How They Work, Risks and Availability in India](https://www.bajajamc.com/knowledge-centre/active-etfs): Most ETFs you may have seen in India follow an index. A Nifty 50 ETF, for example, is designed to track the Nifty 50 rather than choose stocks independently. Active ETFs work differently: a fund manager decides what the portfolio should hold to pursue the fund’s stated objective.
- [What Are Equity ETFs? Meaning, Types, Benefits and How to Invest](https://www.bajajamc.com/knowledge-centre/equity-etfs): Investing in the stock market does not have to mean choosing every share yourself. An equity ETF brings a basket of company shares together in one fund, which you can buy and sell on a stock exchange. Some equity ETFs follow broad indices such as the Nifty 50, while others focus on particular sectors, themes or investment strategies.
- [Commodity ETFs in India: Meaning, Types, Benefits and How to Invest](https://www.bajajamc.com/knowledge-centre/commodity-etfs): Gold and silver can add a different kind of exposure to your investment portfolio, but buying physical metal brings questions about storage, purity and resale. Commodity ETFs offer another route. These exchange traded funds let you invest in commodities through units bought and sold on a stock exchange.
- [Nifty Oil and Gas Index: Meaning, Stocks, Weightage and How to Invest](https://www.bajajamc.com/knowledge-centre/nifty-oil-and-gas-index): India’s oil and gas industry spans exploration, production, refining, transportation, distribution and fuel marketing. The Nifty Oil and Gas Index brings selected listed companies from this value chain into one sectoral benchmark.
- [नौकरी शुरू करते ही कौन सी SIP लें?](https://www.bajajamc.com/knowledge-centre/which-sip-should-you-start-with-as-soon-as-you-begin-your-job): पहली सैलरी हाथ में आते ही सवाल उठता है, पैसे कहाँ लगाएँ? वित्तीय विशेषज्ञों के एक बड़े वर्ग की राय है कि जितनी जल्दी निवेश शुरू किया जाए, उतना बेहतर है। इस संदर्भ में SIP यानी सिस्टमैटिक इन्वेस्टमेंट प्लान को अक्सर नए निवेशकों के लिए एक सुलभ विकल्प माना जाता है। नौकरी शुरू करते ही कौन सी SIP लें, यह समझने के लिए पहले यह जानना ज़रूरी है कि यह काम कैसे करती है।
- [50 की उम्र में निवेश कैसे करें?](https://www.bajajamc.com/knowledge-centre/investing-in-your-50s): 50 की उम्र एक ऐसा पड़ाव है जब जीवन के बड़े खर्च जैसे बच्चों की पढ़ाई, घर का लोन, परिवार की ज़िम्मेदारियाँ आदि धीरे-धीरे पीछे छूटने लगते हैं। यह वह समय भी है जब रिटायरमेंट अब कोई दूर का सपना नहीं, बल्कि एक नज़दीकी वास्तविकता बन चुकी होती है। ऐसे में 50 की उम्र में निवेश कैसे करें, यह सवाल बेहद ज़रूरी हो जाता है। इस उम्र में निवेश की रणनीति वित्तीय अनुशासन की मांग करती है।
- [क्या Sensex गिरने पर SIP बंद कर देनी चाहिए?](https://www.bajajamc.com/knowledge-centre/should-you-stop-sip-when-market-falls): Sensex गिरने पर कुछ निवेशकों की पहली प्रतिक्रिया SIP रोकने की हो सकती है। लेकिन Sensex गिरने पर SIP बंद करनी चाहिए या नहीं, इसका जवाब निवेशक के लक्ष्य, निवेश अवधि, जोखिम क्षमता और वित्तीय स्थिति पर निर्भर करता है।
- [Debt Funds vs Fixed Deposits: Which One Should You Choose?](https://www.bajajamc.com/knowledge-centre/debt-funds-vs-fixed-deposits-which-one-should-you-choose): Fixed deposits appeal to savers who want a stated interest rate, defined tenure and known maturity amount. Debt funds serve a different purpose. They invest mainly in bonds and money-market instruments, and their value can change with interest rates, credit conditions and market liquidity.
- [30 की उम्र तक कितनी राशि की SIP होनी चाहिए?](https://www.bajajamc.com/knowledge-centre/what-should-be-the-sip-amount-by-the-age-of-30): 30 साल, उम्र का वह पड़ाव है जहाँ से कई लोगों के वित्तीय जीवन की दिशा आकार लेने लगती है।। इस उम्र में अक्सर न सिर्फ़ कमाई शुरू हो चुकी होती है, बल्कि लंबी अवधि के वित्तीय लक्ष्यों के लिए आमतौर पर पर्याप्त समय भी उपलब्ध होता है। 30 की उम्र तक कितनी SIP होनी चाहिए, यह महत्वपूर्ण सवाल कई युवा निवेशकों के मन में होता है। सही समय पर अपनी वित्तीय स्थिति और लक्ष्यों के अनुरूप SIP शुरू करना एक मजबूत वित्तीय भविष्य बनाने की दिशा में महत्वपूर्ण कदम हो सकता है।
- [NFOs in mutual fund: Meaning, Benefits and Common Misconceptions](https://www.bajajamc.com/knowledge-centre/nfo-in-mutual-funds): Looking to start your investment journey in mutual funds? New Fund Offers (NFOs) provide an opportunity to invest in a newly launched mutual fund scheme from its initial subscription period. In this article, we explain what an NFO is, discuss some potential benefits, and address common misconceptions surrounding NFOs. 
- [Popular Investment Plans For 5 Years And Above](https://www.bajajamc.com/knowledge-centre/5-years-investment-plans): In investing, the time horizon matters because it influences which options may suit your goal and how much short-term fluctuation you may be able to accept. Investors exploring investment plans for 5 years or longer can choose from several market-linked and fixed-return options, depending on their financial goals and risk appetite.
- [How to Download a Mutual Fund Capital Gains Statement Online](https://www.bajajamc.com/knowledge-centre/mutual-fund-capital-gain-statement): A mutual fund capital gains statement brings the relevant purchase and redemption details together, helping you review the gains or losses realised during a selected period. Keep it handy while preparing your income tax return, checking past transactions or speaking with your tax adviser.
- [How to Calculate the Price-to-Book (P/B) Ratio for Investment Evaluation](https://www.bajajamc.com/knowledge-centre/price-to-book-ratio): Two stocks may have the same share price very different underlying business fundamentals. To look beyond the price, investors often use the price-to-book ratio, which compares a company’s market value with the value of its net assets recorded on the balance sheet.
- [ULIP vs Mutual Fund: Key Differences, Tax, Charges & Which is Better](https://www.bajajamc.com/knowledge-centre/ulip-vs-mutual-fund): A unit-linked insurance plan (ULIP) combines life insurance with market-linked investment, whereas a mutual fund is a standalone investment product. Although both can provide exposure to equity, debt or hybrid portfolios, they differ in purpose, costs, liquidity, taxation and flexibility.
- [SIP vs RD: Difference Between SIP and Recurring Deposit](https://www.bajajamc.com/knowledge-centre/sip-vs-rd): Systematic investment plans (SIPs) and recurring deposits (RDs) both involve regular contributions, but they work differently. An SIP invests in a selected mutual fund scheme, while an RD deposits a fixed amount with a bank for a predetermined tenure at a specified interest rate.
- [₹1 करोड़ बनाने के लिए कितनी SIP ज़रूरी है?](https://www.bajajamc.com/knowledge-centre/how-much-sip-is-required-to-accumulate-1-crore): ₹1 करोड़ कई निवेशकों के लिए एक महत्वपूर्ण दीर्घकालिक वित्तीय लक्ष्य हो सकता है। म्यूचुअल फ़ंड SIP के माध्यम से नियमित निवेश करते हुए इस लक्ष्य की दिशा में आगे बढ़ा जा सकता है। इसमें निवेश की राशि, अवधि, निरंतरता और बाज़ार से मिलने वाला रिटर्न अहम भूमिका निभाते हैं। लंबी अवधि में कम्पाउंडिंग का प्रभाव भी अधिक स्पष्ट हो सकता है।
- [Understanding active funds: Meaning, types, benefits](https://www.bajajamc.com/knowledge-centre/what-is-active-fund): Just like a seasoned adventurer equipped with tools and supplies can tackle uncertain terrains, active funds navigate the dynamic markets through strategies that have the potential to generate alpha for investors. Thus, active funds map out opportunities and allow investors to actively engage with the market.
- [Overnight funds and liquid funds – What is the difference?](https://www.bajajamc.com/knowledge-centre/overnight-funds-vs-liquid-funds): Overnight funds and liquid funds are both used to park money for short periods, but they suit slightly different needs. Overnight funds may be more suitable when the money could be required almost immediately, and minimising risk is the main concern. Liquid funds may be considered when the money can remain invested for a little longer and the investor is willing to accept marginally higher risk for the possibility of better returns. This article explains how the two categories differ and where each one may fit.
- [What are EPS and PE ratios: Differences and similarities](https://www.bajajamc.com/knowledge-centre/eps-and-pe-ratios-differences-and-similarities): Investors in the stock market often rely on various financial ratios to evaluate the performance and valuation of a company. Two commonly used ratios are Earnings Per Share (EPS) and Price-to-Earnings (PE) ratio. These metrics can help investors to extract valuable insights about a company's financial health. This article explores both the EPS and PE ratios and how they are different yet similar in many cases.
- [Gen Z पैसा कहाँ निवेश कर रहे हैं?](https://www.bajajamc.com/knowledge-centre/where-is-gen-z-investing-money): भारत का युवा वर्ग निवेश के प्रति पहले से कहीं ज़्यादा जागरूक हो रहा है और पारंपरिक विकल्पों से परे भी सोचने लगा है। Gen Z पैसा कहाँ निवेश कर रही है, यह सवाल आज वित्तीय जगत में चर्चा का विषय बना हुआ है। Gen Z (1997–2012) के पास निवेश शुरू करने के लिए डिजिटल प्लेटफ़ॉर्म्स और जानकारी के कई स्रोत पहले से मौजूद हैं, जिसने इस पीढ़ी के लिए निवेश की शुरुआत को पहले से आसान बनाया है।
- [Overreaction and Underreaction: How Bajaj Finserv Multi Cap Fund Spots Contrarian Investment Opportunities](https://www.bajajamc.com/knowledge-centre/overreaction-and-underreaction-two-market-behaviours-that-can-create-investment-opportunities): A company reports one weak quarter. A worrying headline follows. Its share price falls. More investors then rush to sell. Soon, panic may begin to outweigh the facts, and the market’s reaction may become larger than the problem itself. 
- [From Ayurveda to AI: Inside Bajaj Finserv Healthcare Fund’s Investment Approach](https://www.bajajamc.com/knowledge-centre/from-ayurveda-to-ai-inside-bajaj-finserv-healthcare-funds-investment-approach): For centuries, medicine in India was rooted in Ayurveda, herbal remedies and other holistic practices. Many of these traditions still remain part of everyday life. But alongside them, a very different story is taking shape, led by robotic surgery, AI-powered diagnostics, gene therapy and precision medicine. As these two worlds begin to overlap, the sector is expanding and creating opportunities across both traditional and modern segments. 
- [Fintech to Financial Inclusion: How Bajaj Finserv Banking and Financial Services Fund Invests in Long-Term Change ](https://www.bajajamc.com/knowledge-centre/fintech-to-financial-inclusion-how-bajaj-finserv-banking-and-financial-services-fund-invests-in-long-term-change): India’s financial sector is changing in ways that go well beyond the growth of banks. 
- [From Megatrend to Portfolio: How Bajaj Finserv Flexi Cap Fund Turns Long-Term Change Into an Investment Idea ](https://www.bajajamc.com/knowledge-centre/from-megatrend-to-portfolio-how-long-term-change-becomes-an-investment-idea): Just a few years ago, running out of milk meant a quick trip to the neighbourhood shop. Today, one can order it on a phone and have it delivered within minutes.  
- [Nifty 50 sector weightage explained: Where is your money invested?](https://www.bajajamc.com/knowledge-centre/nifty-50-sector-weightage): The current Nifty 50 sector weightage remains tilted towards financial services, including banks, NBFCs and insurers. As of July 31, 2026, the full sector-wise breakdown of the Nifty 50 is as follows:
- [How to Claim Tax Benefits on ELSS Mutual Fund Investments?](https://www.bajajamc.com/knowledge-centre/how-to-claim-tax-benefits-on-mutual-funds): Looking to claim tax benefits on mutual funds in 2026? The benefit does not extend to every mutual fund scheme and is available only for eligible Equity Linked Savings Scheme (ELSS) investments under the old tax regime. ELSS investments made up to March 31, 2026, could be claimed under Section 80C of the Income-tax Act, 1961.
- [SIP करने वालों के लिए 5 नियम](https://www.bajajamc.com/knowledge-centre/5-rules-for-sip-investors): सिस्टमेटिक इन्वेस्टमेंट प्लान (SIP) म्यूचुअल फ़ंड में निवेश करने का एक स्मार्ट और अनुशासित तरीका है । यह न केवल नियमित निवेश की आदत बनाता है, बल्कि रूपी कॉस्ट एवरेजिंग द्वारा बाज़ार के उतार-चढ़ाव में औसत लागत को नियंत्रित करने में मदद करता है। मात्र ₹500 प्रति माह से शुरू होने वाली SIP नए और युवा निवेशकों के लिए भी सुलभ है।
- [मार्केट क्रैश में क्या करना चाहिए?](https://www.bajajamc.com/knowledge-centre/what-should-you-do-during-a-market-crash): शेयर बाज़ार में गिरावट आते ही अधिकतर निवेशक घबरा जाते हैं और जल्दबाज़ी में फैसले ले सकते हैं। लेकिन मार्केट क्रैश में क्या करना चाहिए, यह समझना एक निवेशक के लिए महत्वपूर्ण हो सकता है। सही रणनीति अपनाई जाए तो कुछ निवेशक मार्केट क्रैश को संभावित निवेश अवसर के रूप में भी देख सकते हैं।
- [What Is NAV in Mutual Funds? Full Form, Meaning and Calculation](https://www.bajajamc.com/knowledge-centre/nav-in-mutual-funds): A mutual fund’s NAV is one of the first numbers investors notice. It tells you the value of each unit in a scheme on a particular date and is used to allot or redeem units. Yet NAV is often read like a share price. A lower NAV may appear cheaper, while a higher NAV may seem more expensive. Neither assumption is correct. Understanding the NAV full form, calculation and practical use can help you read mutual fund information with greater clarity.
## Media Centres
- [Nifty 50 poised to break into new highs once West Asia crisis eases: Nimesh Chandan, CIO, Bajaj Finserv Asset Management](https://www.bajajamc.com/media-centre/nifty-50-poised-to-break-into-new-highs-once-west-asia-crisis-eases-nimesh-chandan-cio-bajaj-finserv-asset-management): Nimesh Chandan believes the Nifty 50 could hit fresh record highs once geopolitical tensions subside, with strong fundamentals like earnings, credit, and economic growth remaining intact despite near-term volatility.
- [Nimesh Chandan sees Nifty at 27,000 despite volatility](https://www.bajajamc.com/media-centre/nimesh-chandan-sees-nifty-at-27000-despite-volatility): Nimesh Chandan remains optimistic about Indian equities, advising investors to stay focused on long-term trends rather than short-term volatility, and expects the Nifty to reach 27,000 supported by fundamentals.
- [Markets may have bottomed; commodities in focus, IT underweight: Bajaj Finserv AMC](https://www.bajajamc.com/media-centre/markets-may-have-bottomed-commodities-in-focus-it-underweight-bajaj-finserv-amc): Nimesh Chandan believes markets may have bottomed out as global stability improves, highlighting commodities as a key investment theme while remaining cautious on IT and optimistic on sectors like defence, metals and healthcare.
- [Daily Voice: Nimesh Chandan sees minor FY27 earnings downgrade; FY28 outlook steady](https://www.bajajamc.com/media-centre/daily-voice-nimesh-chandan-sees-minor-fy27-earnings-downgrade-fy28-outlook-steady): Nimesh Chandan says FY27 earnings may see a small downgrade, while FY28 outlook remains largely steady amid inflation and geopolitical concerns.
- [The ripple effect: How consumer habits influence market moves](https://www.bajajamc.com/media-centre/the-ripple-effect-how-consumer-habits-influence-market-moves): Sorbh Gupta writes on India’s rising incomes, rapid urbanisation, and evolving consumer habits are reshaping market trend influencing investor decisions in consumption-driven sectors.
- [ETMarkets Smart Talk: The Psychology of investing! Stay grounded in a bull market, says Nimesh Chandan](https://www.bajajamc.com/media-centre/etmarkets-smart-talk-the-psychology-of-investing-stay-grounded-in-a-bull-market-says-nimesh-chandan): Swaying with the pendulum of market mood can compel the investor to buy during a bubble and sell during a crash...
- [Pharma, healthcare and consumption look attractive](https://www.bajajamc.com/media-centre/pharma-healthcare-and-consumption-look-attractive): Bajaj Finserv AMC's Nimesh Chandan on the sectors that are reasonably valued post-correction...
- [Winning against the herd: How to become a successful contrarian investor](https://www.bajajamc.com/media-centre/winning-against-the-herd-how-to-become-a-successful-contrarian-investor): Contrarian investors go against the flow, taking non-consensus positions and timing their trades when the crowd is overrun by panic or euphoria...
- [Bajaj Finserv MF adds to variety in multi-asset allocation category](https://www.bajajamc.com/media-centre/bajaj-finserv-mf-adds-to-variety-in-multi-asset-allocation-category): The multi-asset allocation category, which has the most differentiated offerings in the mutual fund (MF) space, has seen another distinguished addition in Bajaj Finserv Multi Asset Allocation Fund.
- [How Bajaj Finserv carpet-bombed its way to $2 2Bin Mutual Fund](https://www.bajajamc.com/media-centre/how-bajaj-finserv-carpet-bombed-its-way-to-2-2bin-mutual-fund): Today, on 20 December, Bajaj Finserv Mutual Fund, the fund house promoted by financial-services giant Bajaj Finserv, will close the new fund offer (NFO) of its healthcare fund. It is its eighth offering in 2024 and 15th since its first launch in July 2023.
## Mutual Funds
- [BSE Top 10 Banks ETF](https://www.bajajamc.com/mutual-funds/etf/bajaj-finserv-bse-top-10-banks-etf): Bajaj Finserv BSE Top 10 Banks ETF is an open-ended exchange traded fund that tracks the BSE Top 10 Banks Total Return Index. It gives investors access to a basket of 10 large banking stocks through one ETF. The scheme aims to provide returns that correspond with the performance of the BSE Top 10 Banks Index, subject to tracking error.
- [Ultra Short to Short Term Fund](https://www.bajajamc.com/mutual-funds/debt-funds/bajaj-finserv-low-duration-fund): The Bajaj Finserv Ultra Short to Short Term Fund is an open-ended debt scheme investing in debt and money market instruments such that the Macaulay duration of the portfolio is between 6 and 12 months. Investors who typically allocate to liquid or money market funds may consider investing incrementally in this fund to potentially benefit from market volatility or rate cut cycles, without significantly changing the duration of their portfolios.
## News
- [SEBI Launches New Life Cycle Fund, Sectoral Debt Fund Categories: What the Latest Changes Mean for Investors](https://www.bajajamc.com/news/sebi-new-life-cycle-sectoral-debt-fund-changes-investors): Mutual fund investors in India now have a wider range of schemes to choose from. The Securities and Exchange Board of India, in a circular issued on February 26, 2026, introduced two new mutual fund categories and made some vital changes in existing ones. Taken together, these changes point to an evolution in the country’s mutual fund landscape as it recognises and caters to emerging investor needs.
- [Gold and Silver ETF Inflows Beat Equity Funds in January 2026: What’s Driving Investor Interest?](https://www.bajajamc.com/news/gold-and-silver-etf-inflows-beat-equity-funds): January 2026 marked an unusual phase in the Indian mutual fund industry. Data released by the Association of Mutual Funds in India, or AMFI, showed that Gold and Silver Exchange-Traded Funds (ETFs) recorded higher net inflows than equity mutual fund schemes in that month.
- [GST Reforms 2025: Key changes and what they mean for investors](https://www.bajajamc.com/news/gst-reforms-2025): India’s Goods and Services Tax (GST) system has undergone its biggest revamp since its launch in 2017. The government has cut rates on many essentials and daily-use items, expanded exemptions, and simplified compliance rules — changes aimed at helping both consumers and businesses.
- [SIPs, mutual fund inflows reach new highs in July despite market uncertainty: AMFI report](https://www.bajajamc.com/news/mf-inflows-reach-new-highs-in-july):  
## Press Releases
- [Press Release_Bajaj Finserv Flexi Cap Fund Marks 3 Years, Delivers 18.21% CAGR Since Inception](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-flexi-cap-fund-marks-3-years-delivers-18-21-cagr-since-inception)
- [Press Release_Bajaj Finserv Equity Savings Fund](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-equity-savings-fund)
- [Press Release_Bajaj Finserv Small Cap Fund](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-small-cap-fund)
- [Press report_Indian Healthcare Market projected to reach $638 billion by 2025](https://www.bajajamc.com/press-release/press-report_indian-healthcare-market-projected-to-reach-638-billion-by-2025)
- [Press Release_Bajaj Finserv Multi Cap Fund](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-multi-cap-fund)
- [Press release_Bajaj Finserv Flexi Cap Fund celebrates its first anniversary; crosses Rs. 3500 cr AUM in its first year of launch](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-flexi-cap-fund-celebrates-its-first-anniversary-crosses-rs-3500-cr-aum-in-its-first-year-of-launch)
- [Press release_Bajaj Finserv Asset Management Limited Introduces Bajaj Finserv Savings+ to Empower Retail Investors](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-asset-management-limited-introduces-bajaj-finserv-savings-to-empower-retail-investors)
- [Press Release_Bajaj Finserv AMC Launches Healthcare Fund](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-amc-launches-healthcare-fund)
- [Press release_Bajaj Finserv AMC launches Bajaj Finserv Large Cap Fund with Concentrated Strategy](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-amc-launches-bajaj-finserv-large-cap-fund-with-concentrated-strategy)
- [Press release_Bajaj Finserv AMC launches Bajaj Finserv ELSS Tax Saver Fund](https://www.bajajamc.com/press-release/press-release_bajaj-finserv-amc-launches-bajaj-finserv-elss-tax-saver-fund)
- [Press release- Bajaj Finserv AMC launches Gilt Fund](https://www.bajajamc.com/press-release/press-release-bajaj-finserv-amc-launches-gilt-fund)
- [Press Release- Bajaj Finserv AMC launches Consumption Fund](https://www.bajajamc.com/press-release/press-release-bajaj-finserv-amc-launches-consumption-fund)
- [Press Note Consumption sectors outperform broader market in the long-term](https://www.bajajamc.com/press-release/press-note-consumption-sectors-outperform-broader-market-in-the-long-term)
- [Bajaj Finserv Asset Management Launches Balanced Advantage Fund](https://www.bajajamc.com/press-release/bajaj-finserv-asset-management-launches-balanced-advantage-fund)
- [Bajaj Finserv Asset Management launches Banking and PSU Fund](https://www.bajajamc.com/press-release/bajaj-finserv-asset-management-launches-banking-and-psu-fund)
- [Press Releases 3](https://www.bajajamc.com/press-release/press-releases-3)
- [Press releases 2](https://www.bajajamc.com/press-release/press-releases-2)
- [In news 3](https://www.bajajamc.com/press-release/in-news-3-2)
- [In news 3](https://www.bajajamc.com/press-release/in-news-3)
- [Vide article Azadi ka Amrit Mahotsav](https://www.bajajamc.com/press-release/vide-article-azadi-ka-amrit-mahotsav)
- [Video article 3](https://www.bajajamc.com/press-release/video-article-3)
- [Press release media type 3](https://www.bajajamc.com/press-release/press-release-media-type-3)
- [Press release media type 2](https://www.bajajamc.com/press-release/press-release-media-type-2)
- [Press release media type](https://www.bajajamc.com/press-release/press-release-media-type)
- [Video Articles](https://www.bajajamc.com/press-release/video-articles)
- [In News](https://www.bajajamc.com/press-release/in-news)
- [Press Releases](https://www.bajajamc.com/press-release/press-releases)
- [Download Media Kit](https://www.bajajamc.com/press-release/download-media-kit)
## Research Reports
- [Where the opportunities are in the current market](https://www.bajajamc.com/research-report/where-the-opportunities-are-in-the-current-market-2): People ignoring good companies going through low patch, fish there!
- [What is the impact of behavioural biases on investment decisions and strategies?](https://www.bajajamc.com/research-report/what-is-the-impact-of-behavioural-biases-on-investment-decisions-and-strategies): People ignoring good companies going through low patch, fish there!
- [Where the opportunities are in the current market](https://www.bajajamc.com/research-report/where-the-opportunities-are-in-the-current-market): People ignoring good companies going through low patch, fish there!
## Videos
- [Mutual Fund For Long Term Investment In India – Mutual Fund Me Invest Kyu Kare?](https://www.bajajamc.com/video/mutual-fund-for-long-term-investment-in-india-mutual-fund-me-invest-kyu-kare)
- [Mutual Fund Investments For Senior Citizens – Investment Options For Senior Citizens In India](https://www.bajajamc.com/video/mutual-fund-investments-for-senior-citizens-investment-options-for-senior-citizens-in-india)
- [What Is Step Up SIP – Step Up SIP Kya Hai Aur Ye Kab Karna Chahiye?](https://www.bajajamc.com/video/what-is-step-up-sip-step-up-sip-kya-hai-aur-ye-kab-karna-chahiye)
- [Mutual Fund Investments For Senior Citizens – Investment Options For Senior Citizens In India](https://www.bajajamc.com/video/mutual-fund-investments-for-senior-citizens-investment-options-for-senior-citizens-in-india-2)
- [Mutual Fund Se Monthly Income Kaise Nikale? Mutual Fund SWP Plan](https://www.bajajamc.com/video/mutual-fund-se-monthly-income-kaise-nikale-mutual-fund-swp-plan-2)
- [Mutual Fund Se Monthly Income Kaise Nikale? Mutual Fund SWP Plan](https://www.bajajamc.com/video/mutual-fund-se-monthly-income-kaise-nikale-mutual-fund-swp-plan)
- [What Is SWP And How It Works? SWP Tax Implications And Benefits](https://www.bajajamc.com/video/what-is-swp-and-how-it-works-swp-tax-implications-and-benefits-2)
- [What Is SWP And How It Works? SWP Tax Implications And Benefits](https://www.bajajamc.com/video/what-is-swp-and-how-it-works-swp-tax-implications-and-benefits)
## Web Stories
- [Key Habits For Confident Investing](https://www.bajajamc.com/web-stories/key-habits-confident-investing)
- [Things to Know Before You Pick a Small Cap Fund](https://www.bajajamc.com/web-stories/things-know-you-pick-small-cap-fund)
- [Building a Balanced Portfolio in a Dynamic Market](https://www.bajajamc.com/web-stories/building-balanced-portfolio-dynamic-market)
- [Small Today, Scaling Tomorrow](https://www.bajajamc.com/web-stories/small-today-scaling-tomorrow)
- [Is Inflation Eating Into Your Returns?](https://www.bajajamc.com/web-stories/inflation-eating-your-returns)
- [5 Tips to Deal with Market Volatility](https://www.bajajamc.com/web-stories/5-tips-deal-market-volatility)
- [When markets dip, should you stop your SIP?](https://www.bajajamc.com/web-stories/when-markets-dip-should-you-stop-your-sip)
- [Real Estate vs SIP](https://www.bajajamc.com/web-stories/real-estate-vs-sip)
- [What Are the Types of Risk in Investment](https://www.bajajamc.com/web-stories/what-are-types-risk-investment)
- [When Should You Exit From Your Mutual Funds](https://www.bajajamc.com/web-stories/web-story-when-should-you-exit-your-mutual-funds)
- [The Art of Saving](https://www.bajajamc.com/web-stories/art-saving)
- [Green Energy Megatrend](https://www.bajajamc.com/web-stories/green-energy-megatrend)
- [Megatrends Investing](https://www.bajajamc.com/web-stories/megatrends-investing)
- [Smart Money Moves for Your Child’s Future](https://www.bajajamc.com/web-stories/smart-money-moves-your-childs-future)
- [Fear vs Greed](https://www.bajajamc.com/web-stories/fear-vs-greed)
- [Tips for Short Term Trading](https://www.bajajamc.com/web-stories/tips-short-term-trading)
- [SIP in active vs passive funds](https://www.bajajamc.com/web-stories/sip-active-vs-passive-funds)
- [Tips for Financial Stability](https://www.bajajamc.com/web-stories/tips-financial-stability)
- [What is Nifty Next 50 index fund](https://www.bajajamc.com/web-stories/what-nifty-next-50-index-fund)
- [Benefits of SIP in Index Funds](https://www.bajajamc.com/web-stories/benefits-sip-index-funds)
- [Index funds vs ETFs – how to choose](https://www.bajajamc.com/web-stories/index-funds-vs-etfs-how-choose)
- [What are Index Funds](https://www.bajajamc.com/web-stories/what-are-index-funds)
- [Bajaj Finserv AMC and Megatrends](https://www.bajajamc.com/web-stories/bajaj-finserv-amc-and-megatrends)
- [What to do in a Market Crash](https://www.bajajamc.com/web-stories/what-do-market-crash)
- [Large and Mid Cap Fund](https://www.bajajamc.com/web-stories/large-and-mid-cap-fund)
- [Large Cap Fund](https://www.bajajamc.com/web-stories/large-cap-fund)
- [Multi Cap Fund](https://www.bajajamc.com/web-stories/multi-cap-fund)
- [Budget 2025](https://www.bajajamc.com/web-stories/budget-2025)
- [Bajaj Finserv Flexi Cap Fund](https://www.bajajamc.com/web-stories/bajaj-finserv-flexi-cap-fund-0)
- [Save Taxes with Mutual Funds](https://www.bajajamc.com/web-stories/save-taxes-mutual-funds)
- [Consumption Fund](https://www.bajajamc.com/web-stories/consumption-fund)
- [Bajaj Finserv Healthcare Fund](https://www.bajajamc.com/web-stories/bajaj-finserv-healthcare-fund)
- [Bajaj Finserv ELSS Tax Saver Fund](https://www.bajajamc.com/web-stories/bajaj-finserv-elss-tax-saver-fund)
- [5 common investing mistakes](https://www.bajajamc.com/web-stories/5-common-investing-mistakes)
- [How compounding works](https://www.bajajamc.com/web-stories/how-compounding-works)
- [Power of Rs. 5,000 SIP](https://www.bajajamc.com/web-stories/power-rs-5000-sip)
- [SIP vs lumpsum: How to choose](https://www.bajajamc.com/web-stories/sip-vs-lumpsum-how-choose)
- [Start SIP in 5 easy steps](https://www.bajajamc.com/web-stories/start-sip-5-easy-steps)
- [5 top reasons to invest in SIP](https://www.bajajamc.com/web-stories/5-top-reasons-invest-sip)
## Leadership Corner
- [When Information Is Everywhere, the Advisor’s Role Becomes More Human](https://www.bajajamc.com/leadership-corner/when-information-is-everywhere-the-advisors-role-becomes-more-human): There’s something peculiar that tends to happen when markets become uncertain. People start to feel uneasy. The more uneasy people feel, the more they look for quick answers.
- [The Real Cost of Delaying Retirement Planning](https://www.bajajamc.com/leadership-corner/the-real-cost-of-delaying-retirement-planning): A 2025 survey found that India is steadily moving towards a retirement crisis. 75% of the respondents did not have a detailed retirement plan. Despite this, 61% of the respondents without one believed that they could retire comfortably.
- [Why Wealth Creation is No Longer Limited to a Privileged Few](https://www.bajajamc.com/leadership-corner/why-wealth-creation-is-no-longer-limited-to-a-privileged-few): One of my favourite stories from Morgan Housel’s ‘The Psychology of Money’ is about Ronald Read. He was a janitor in the US. He lived a frugal life. Nothing about him was flashy or suggested wealth.
- [The Biggest Investment Risks are Emotional](https://www.bajajamc.com/leadership-corner/the-biggest-investment-risks-are-emotional): “The investor’s chief problem and his worst enemy is likely to be himself.” – Benjamin Graham
- [Markets, Memory and the Illusion of ‘This Time Is Different’](https://www.bajajamc.com/leadership-corner/markets-memory-and-the-illusion-of-this-time-is-different): To get a sense of the word on the street amid the turbulence in global equity markets, I spoke to a few of my friends who have been investing professionally since the early 2000s. The response was unanimous: “I don’t know where the markets will bottom. I haven’t seen anything like this earlier.”  
- [Typical pitfalls faced by retail MF investors (& how to avoid them)](https://www.bajajamc.com/leadership-corner/typical-pitfalls-faced-by-retail-mf-investors-how-to-avoid-them): Of the almost 4 crore unique investors in Indian mutual funds currently, over 1.5 crore have invested for the first time only in the last five years. As an industry, it is now our responsibility to check if these new investors are likely to have a good investing experience in their first brush with mutual funds. Are they getting adequate information on the funds? Doing the necessary research? Making well-informed decisions? They will need all of the above to have confidence in their investments and stay invested for the long-term.
- [Why retail investors favour equity MFs over debt MFs](https://www.bajajamc.com/leadership-corner/why-retail-investors-favor-equity-mfs-over-debt-mfs): Retail investors predominantly invest in equity mutual funds and, as per data put out by the Association of Mutual Funds in India in December, over 95% of the assets under management (AUM) in debt mutual funds (MFs) comes from corporate entities, while over 90% of equity AUM comes from retail and HNI (high net worth individuals) investors. This dichotomy is puzzling on two fronts. First, if you consider overall fixed deposit (FD) volumes, it outstrips the MF industry itself. Further, if you add PF balance, post office savings and the like, it is clear that retail investors do consider investing in fixed income instruments. However, they have not really participated in debt MFs. Retail investment in liquid and overnight funds is less than ₹55,000 crore compared to over ₹23 trillion (as per central bank data) held in current and savings accounts (CASA) in the country.
- [15 crore mutual fund investors, 120 lakh crore AUM: Is that possible?](https://www.bajajamc.com/leadership-corner/small-is-not-beautiful): The Indian mutual fund industry has grown quite rapidly from about 11 lakh Cr assets under management (AuM) in FY 14 to about 47 lakh Cr AUM currently. This is a very creditable growth of around 18-20% each year over the last 10 years. Nevertheless, on many parameters, the industry is still quite small.
- [Why are retail MF investors obsessed with equity?](https://www.bajajamc.com/leadership-corner/why-are-retail-mf-investors-obsessed-with-equity): Traditional wisdom in the mutual fund industry says that retail investors predominantly invest in equity products while corporates invest largely in debt or fixed income products. As per AMFI data of December 2023, over 95% of the assets under management (AUM) in debt mutual funds comes from corporate entities, while over 90% of equity AUM comes from retail and HNI investors. As someone who entered this industry recently, this dichotomy really puzzled me on two fronts.
## Calculators
- [SIP Calculator](https://www.bajajamc.com/mutual-fund-calculators/sip-calculator): Estimate your SIP investment value using your monthly amount, duration and assumed annual return.
- [Step Up SIP Calculator](https://www.bajajamc.com/mutual-fund-calculators/step-up-sip-calculator): Use Bajaj AMC’s Step-up SIP Calculator to project how your investment value can potentially grow faster by gradually increasing your SIPs and refining your wealth-building strategy.
- [Lumpsum Calculator](https://www.bajajamc.com/mutual-fund-calculators/lumpsum-calculator): Use our lumpsum calculator to estimate the potential future value of your one-time mutual fund investments and plan for your long-term financial goals.
- [Compound Interest Calculator](https://www.bajajamc.com/mutual-fund-calculators/compound-interest-calculator): Bajaj AMC’s compound interest calculator estimates your maturity amount and interest earned using monthly, quarterly, half-yearly or yearly compounding, showing how rate, time and frequency shape results.
- [Retirement Calculator](https://www.bajajamc.com/mutual-fund-calculators/retirement-calculator): See what it may take to build your retiremesnt corpus. Estimate the monthly SIP based on your timeline, savings, inflation and expected returns.
- [SWP (Systematic Withdrawal Plan) Calculator](https://www.bajajamc.com/mutual-fund-calculators/swp-calculator): Use Bajaj AMC’s SWP Calculator to plan regular withdrawals from your mutual fund investments to combine steady income with long-term growth potential.
- [Wealth SIP Calculator](https://www.bajajamc.com/mutual-fund-calculators/wealth-sip-calculator): Transition seamlessly from investing to scheduled withdrawals over time with Bajaj AMC’s Wealth SIP. Plan and visualise your approach using the Wealth SIP calculator.
- [Wealth Calculator](https://www.bajajamc.com/mutual-fund-calculators/wealth-calculator): Use a wealth calculator online to plan your investments and work towards your financial goals. Calculate your potential future wealth with ease today.
- [Systematic Transfer Plan Calculator](https://www.bajajamc.com/mutual-fund-calculators/stp-calculator): Plan how to transition your funds from one scheme to another with Bajaj AMC STP calculator.
- [Child Education Calculator](https://www.bajajamc.com/mutual-fund-calculators/child-education-calculator): Use the Bajaj AMC child education calculator to estimate the future cost of the child’s education
- [Dream Car Calculator](https://www.bajajamc.com/mutual-fund-calculators/car-calculator): Invest in mutual funds to finance your dream car. Use the online calculator to assess how much you need to invest in SIP or lumpsum for your goal. Assess the future cost of your vehicle after accounting for inflation and get instant estimates.
- [Dream Home Calculator](https://www.bajajamc.com/mutual-fund-calculators/dream-home-calculator): Your dream home could potentially become a reality with mutual fund investments. Use our dream home calculator to identify how much you need to invest in SIP or lumpsum to work towards your goals.
- [Mutual Fund Calculator](https://www.bajajamc.com/mutual-fund-calculators/mutual-fund-returns-calculator): Estimate potential returns on lumpsum mutual fund investments with Bajaj AMC's MF return calculator.
- [Simple Interest Calculator](https://www.bajajamc.com/mutual-fund-calculators/simple-interest-calculator): Use the simple interest calculator to estimate interest earned or payable on your principal amount over a fixed tenure. Also, learn the simple interest formula and understand how interest is calculated.
- [Investment Calculator](https://www.bajajamc.com/mutual-fund-calculators/investment-calculator): Use Bajaj AMC’s Investment Calculator to instantly estimate the potential returns on your investments and work towards long-term growth.
- [Index Fund Calculator](https://www.bajajamc.com/mutual-fund-calculators/index-fund-calculator): Estimate returns on index fund investments
- [Income Tax Calculator](https://www.bajajamc.com/mutual-fund-calculators/income-tax-calculator): Estimate your income tax liability for FY 2025–26 and compare the old and new tax regimes with the Bajaj AMC Income Tax Calculator.
- [CAGR Calculator](https://www.bajajamc.com/mutual-fund-calculators/cagr-calculator): Calculate Compound Annual Growth Rate instantly with our easy-to-use CAGR calculator. Track how much your investments have grown, measure compounded returns and make smarter financial decisions.
- [ELSS Calculator](https://www.bajajamc.com/mutual-fund-calculators/elss-calculator): Estimate SIP or lumpsum ELSS returns and tax savings with Bajaj AMC's ELSS calculator.
- [XIRR Calculator](https://www.bajajamc.com/mutual-fund-calculators/xirr-calculator): Calculate annualised returns for SIPs and mutual funds with Bajaj AMC’s XIRR calculator online.