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Explore our top mutual fund schemes

 
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Regular
Direct

Bajaj Finserv Banking and PSU Fund

Debt Fund Regular Growth
 
NAV
10.8396
as of 2024-11-27
 
Min. Investment Amount ₹1000
 
Inception Date
13/11/2023
 
Risk Type Low to Moderate
 

Bajaj Finserv Money Market

Debt Fund Regular Growth
 
NAV
1099.4387
as of 2024-11-27
 
Min. Investment Amount ₹1000
 
Inception Date
24/07/2023
 
Risk Type Low To Moderate
 

Bajaj Finserv Overnight Fund

Debt Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹1000
 
Inception Date
05/07/2023
 
Risk Type Low
 

Bajaj Finserv Liquid Fund

Debt Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹1000
 
Inception Date
05/07/2023
 
Risk Type Low To Moderate
 

Bajaj Finserv Consumption Fund

Equity Fund Regular Growth
 
NAV
---
as of ---
 
Min. Investment Amount ₹500
 
Inception Date
03/12/2024
 
Risk Type Very High
 

Bajaj Finserv Large Cap Fund

Equity Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
23/08/2024
 
Risk Type Very High
 

Bajaj Finserv Large and Mid Cap Fund

Equity Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
27/02/2024
 
Risk Type Very High
 

Bajaj Finserv Flexi Cap Fund

Equity Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
14/08/2023
 
Risk Type Very High
 

Bajaj Finserv Multi Asset Allocation Fund

Hybrid Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
03/06/2024
 
Risk Type Very High
 

Bajaj Finserv Balanced Advantage Fund

Hybrid Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
15/12/2023
 
Risk Type Very High
 

Bajaj Finserv Arbitrage Fund

Hybrid Fund Regular Growth
 
NAV
---
as of
 
Min. Investment Amount ₹500
 
Inception Date
15/09/2023
 
Risk Type Low
 
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Mutual funds: Overview

 
Investing in Mutual fund can be an affordable and convenient way to build wealth over time. Mutual funds pool money collected from multiple investors and put it into a diversified basket of securities – such as stocks or bonds. They are managed by a fund manager, a financial expert who makes the investments and monitors them on behalf of the investors. This professional management and the diversification across multiple securities help mitigate risk and make investing accessible even to those who are not well-versed in the financial market.

 

What are mutual funds?

Mutual funds are a pooled investment vehicle, where money collected from multiple investors is combined and invested in a diverse basket of securities. This could include stocks, bonds, commodities, or other investment avenues.

Mutual fund investments are handled by a fund manager, a financial expert who is tasked with executing the scheme’s investment strategy. This includes designing the portfolio (the basket of securities that the scheme invests in), overseeing it, and making changes to it when necessary to potentially achieve the scheme’s investment goals.

How do mutual funds work?

A mutual fund scheme is run by an asset management company or AMC and managed by the fund manager. Investors’ money is pooled together and invested in a diversified portfolio of securities. The portfolio composition depends on the scheme type (equity, debt, hybrid, etc), the investment objective, and the fund manager’s discretion.

Investors buy units in the mutual fund, representing partial ownership of the portfolio’s securities. The value of these units fluctuates based on the performance of the underlying assets.

For example, the value of an equity mutual fund’s portfolio will depend on the value of the stocks that it invests in.

The per-unit value of a mutual fund scheme is known as the Net Asset Value, which is calculated by dividing the value of the scheme’s underlying securities, minus its liabilities, by the total number of outstanding units. The NAV is calculated at the end of each trading day based on the closing market prices of the fund’s holdings.

Advantages of mutual funds

Investing in mutual funds is easy, convenient, and affordable. Here are some key advantages:

Diversification: Mutual funds investments are spread across a wide variety of assets, reducing the risk associated with any single investment.

Professional management: Experienced fund managers make investment decisions, aiming to achieve the fund’s objectives.

Liquidity: In open ended schemes, investors can easily buy or sell mutual fund units at the current NAV. Experienced fund managers make investment decisions, aiming to achieve the fund’s objectives.

Accessibility: Mutual funds provide access to a broad range of investments, even for those with limited capital.

Convenience: Investing in mutual funds is straightforward, with minimal administrative tasks for individual investors.

Ways to invest in mutual funds

There are two common routes for mutual funds investments: Systematic Investment Plan or SIP and lumpsum.

Lumpsum: This mode involves investing a sizeable amount in one go into the scheme of your choice. It is a one-time investment.

SIP: This involves investing a fixed amount in regular instalments – weekly, monthly, quarterly, etc. It encourages investing discipline. It is also affordable, as SIP options start from Rs 100 or Rs 500 in several schemes.

How to invest with Bajaj Finserv Asset Management Ltd

First, select a Bajaj Finserv AMC mutual fund scheme. You can choose from among debt, equity and hybrid mutual funds and exchange traded funds (ETFs). You can invest in these mutual funds online or offline through Bajaj Finserv AMC. Once you’ve chosen a fund, you can invest through the following steps:

  1. Click on ‘Invest Now’ on the scheme page or the website home page. You will be redirected to the investor portal.

  2. If you are an existing investor with Bajaj Finserv AMC, you can log in. New investors can sign up. To sign up, you will be asked to enter some basic information such as your name, date of birth, PAN details and bank account information. You may also be asked to complete your Know Your Customer (KYC) verification process if you are not KYC validated.

  3. From the dropdown menu, select the scheme you wish to invest in and the mode of investment (lumpsum or SIP). Enter the investment amount and select the payment method.

You can also invest online as well as offline through financial advisors, distributors and on aggregator platforms.

Plan your investment

If you’re not sure of where to invest and what amount to start with, there are several convenient and easy-to-use tools that can simplify the planning process. For example, Bajaj Finserv AMC has a free online SIP Calculator, SIP Top-Up Calculator, Lumpsum Calculator If you’re not sure of where to invest and what amount to start with, there are several convenient and easy-to-use tools that can simplify the planning process. For example, Bajaj Finserv AMC has a free online SIP Calculator, SIP Top-Up Calculator, Lumpsum Calculator and Compounding Calculator. Depending on your mode of investment (lumpsum or SIP), you can choose the tool that is suitable.

All you need to do is enter your investment amount, duration, and expected rate of return. The calculator instantly shows you the potential total corpus. You can determine the expected rate of return based on the historical performance of the mutual fund scheme or category you are looking to invest in. Do note, however, that past performance may or may not be sustained in the future.

You can also use the calculators to determine what scheme to invest in, or what instalment or investment amount to choose, based on what you want your final corpus to potentially be.

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Frequently Asked Questions

 

A mutual fund is a type of investment vehicle that pools money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. Managed by professional fund managers, mutual funds aim to achieve specific financial goals and offer benefits like diversification, professional management, and liquidity.

Choosing the right mutual fund involves evaluating your financial goals, risk tolerance, and investment horizon. Research different funds, consider their performance history, fees, and the expertise of the fund managers. Consulting with a financial advisor can also help in selecting a fund that aligns with your objectives.

While mutual funds offer diversification, reducing risk, they are not risk-free. The value of your investment can fluctuate based on market conditions. It's essential to choose funds that match your risk tolerance and investment goals. Diversifying across different types of mutual funds can further mitigate risks

You can invest in mutual funds online through the asset management company’s website or through online aggregators and financial technology platforms. For example, Bajaj Finserv AMC has an end-to-end digital process for investing through which you can invest in the scheme of your choice in minutes. You can also approach a distributor, who may invest online or offline on your behalf.

Before investing in a mutual fund scheme, you should consider the scheme’s investment strategy and the track record or experience of the fund manager. Also ensure the scheme’s risk level aligns with your risk appetite and investment objectives.

Yes, earnings from mutual fund investments – capital gains as well as dividends – are taxable. The tax amount can depend on the holding period and the type of scheme.

SIP stands for Systematic Invest Plan and is a method of investing in mutual funds. SIPs allow you to invest a fixed amount at regular intervals – daily, weekly, monthly, quarterly etc. – in a mutual fund scheme. SIPs can start at Rs 100 or Rs 500 and enable affordable and disciplined investing.

Investing in Bajaj Finserv Liquid Fund can help you obtain relatively better returns as compared to a traditional savings account. Also, since liquid funds invest predominantly in highly rated money market instruments, they are a relatively stable investment option. Lastly, you can redeem your units of Bajaj Finserv Liquid Fund at any time with T+1 settlement timeline and plan your liabilities.

Mutual funds investments have the potential to help build wealth over time. Investments in equities, in particular, can offer inflation-beating returns in the long term. Debt mutual funds, too, can offer higher return potential than some traditional avenues.
However, it is essential to note that mutual fund returns depend upon market conditions and hence come with risk. In some situations, returns can be below expected lines and can even turn negative in some market conditions. Equity oriented funds, in particular, tend to carry high risk and it is advisable to have a longer investment horizon to potentially tide over market volatility.

The level of liquidity depends on the type of scheme. Most open-ended schemes allow you to buy or sell units at any time, though there may be a small exit load on withdrawals made before a certain period (such as one year). Some funds have a lock-in period. For example, Equity Linked Savings Schemes or ELSS funds have a lock-in period of three years, during which you cannot withdraw your investments. Meanwhile, closed-ended funds do not offer high liquidity. You can only buy units during the new fund offer period and redeem them at maturity. If you need to buy or sell units before maturity, you can only do so on the stock exchange.

Capital gains or profits made from the sale of mutual fund units are taxed. The tax rate depends upon the type of fund, holding period and the redemption amount.
For equity-oriented funds, units redeemed after a holding period of a year or more qualify for long-term capital gains tax. The tax rate is 12.5%. However, gains of up to Rs. 1.25 lakh are tax-exempt. Units held for less than a year qualify for short-term capital gains tax. The rate is 20% and there is no exemption.
For debt-oriented funds, the capital gains are taxed as per the investor’s income tax slab, regardless of the holding period.

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