BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
Start building wealth today with our diverse range of mutual funds designed for stability and long-term growth potential.
Mutual funds make investing simpler, coming in multiple varieties that can cater to varying goals, risk appetites and investment horizons. Whether you want to grow your wealth over time, earn steadier returns or just expand your investments, there’s a mutual fund scheme that can work for you.
From equity funds focused on long-term growth to debt funds that offer relative stability, hybrid funds that balance risk and return potential, and ETFs for low-cost passive investing, you have options to match different investment styles. Start small with an SIP or invest a lumpsum. Either way, mutual fund investment offers a flexible and accessible way to participate in the markets.
Your money is spread across assets like equity, debt and more to help manage risk while aiming for consistent returns.
Each mutual fund is managed by experienced fund managers who actively track markets and adjust portfolios as needed.
Every mutual fund scheme is built around a clear objective so you can invest based on your goals, timeline and risk preference.
Your investment is spread across a mix of assets like equities, debt instruments, or a combination of both, helping reduce reliance on any single investment.
Your investments are handled by experienced fund managers who track markets and make informed decisions.
Begin with an amount you’re comfortable with and grow your investments over time.
Buy or redeem units easily at the prevailing NAV when you need access to your money.
Start by choosing a mutual fund that aligns with your financial goals and the future you want to build. Whether it’s equity for long-term growth, debt for stability, or a balanced mix of both, each option is designed to help your money grow with purpose.
You can begin with a Systematic Investment Plan to build wealth steadily over time or invest a lumpsum when you’re ready. With professional management, built-in diversification and easy tracking, mutual funds offer a disciplined way to potentially grow your wealth and move closer to your long-term financial goals.
Bajaj Finserv AMC offers a seamless way to start and grow your investments:
Built on trust
A name trusted by investors and distributors, built on a strong foundation of credibility and long-term relationships.
Focused on long-term outcomes
Our approach is centred on generating sustainable returns while managing risk through disciplined investment decisions.
Driven by alpha generation
We aim to deliver returns above benchmarks in the long term by identifying opportunities without taking disproportionate risk.
Research-led, data-driven investing
We combine deep research, quantitative analysis and behavioural insights to identify opportunities and guide disciplined investment decisions.
Wide choice of funds
Access a wide range of mutual fund schemes across equity, debt, hybrid and passive categories.
Fully digital experience
Invest seamlessly through a 100% digital journey designed to make every step simple and convenient.
Start your mutual fund investment with Bajaj Finserv AMC through a simple, fully digital process:
You can also invest through registered investment advisors, distributors or aggregator platforms based on your preference.
Choosing the right mutual fund starts with understanding the different categories available and how they align with your goals. Bajaj Finserv AMC offers a diverse range of funds across equity, debt, hybrid and index categories, each designed for specific investment needs and risk preferences. Here’s a quick overview:
All Funds at a Glance
Knowing how mutual fund taxation works can help you make more informed investment decisions. As per tax rules in India as of April 2026, taxation depends on the fund type, holding period and how returns are earned:
Equity-oriented Funds
Understanding how gains from equity mutual funds are taxed can help you plan when to invest and redeem more efficiently:
| Type of Gain | Holding Period | Tax Rate |
| Short-term capital gains (STCG) | Up to 12 months | 20% + surcharge and cess |
| Long-term capital gains (LTCG) | More than 12 months | 12.5% + surcharge and cess (only on gains above ₹1.25 lakh per year) |
Debt-oriented Funds
Here’s how taxation applies to debt mutual funds based on investment date and holding period:
| Investment Date | Holding Period | Tax Rate |
| On or after 1 April 2023 | Any duration | Taxed as per your income tax slab rate |
| Before 1 April 2023 | Up to 2 years | Taxed as per your income tax slab rate |
| Before 1 April 2023 | More than 2 years | 12.5% without indexation |
ELSS (Tax-saving mutual funds)
Understand how ELSS funds combine tax savings with equity investing for long-term wealth creation:
| Feature | Details |
| Tax benefit | Deduction up to ₹1.5 lakh under Section 80C of the Income
Tax Act, 1961 (old regime) |
| Lock-in period | 3 years |
| Tax on gains | Taxed as equity LTCG (12.5% above ₹1.25 lakh) |
IDCW income
Income Distribution cum Capital Withdrawal payments (earlier called dividend income) from mutual funds is added to your total income and taxed as per your applicable income tax slab, with TDS applicable if it exceeds ₹10,000 in a financial year.
The tax information (if any) in this article is based on prevailing laws at the time of publishing the article and is subject to change. Please consult a tax professional or refer to the latest regulations for up-to-date information.
A mutual fund returns calculator helps you understand how your investment may grow over time based on how much you invest, how long you stay invested and the returns you expect. It gives you a clearer picture so you can make more informed decisions. Get a simple estimate of how your investment could grow and plan your next step with more confidence:
You can also explore a range of investment calculators available on Bajaj Finserv AMC to plan different financial goals more effectively:
| SIP Calculator |
| Step-Up SIP Calculator |
| Lumpsum Calculator |
| Mutual Fund Calculator |
| Systematic Withdrawal Plan (SWP) Calculator |
The calculator is an aid, not a prediction tool. It may provide only an indicative picture.
Equity mutual funds
Invest primarily in shares of listed companies and are suited for long-term investing.
Debt mutual funds
Invest in fixed-income instruments such as government securities and bonds.
Hybrid mutual funds
Combine equity and debt investments to offer a balanced investment approach.
Other categories
Include life cycle funds, index funds, and exchange-traded funds (ETFs).
The main types of mutual funds are equity funds, debt funds, hybrid funds, life cycle funds, and other funds (index funds, ETFs and funds of funds). Equity funds focus on growth, debt funds offer stability, hybrid funds balance both, and solution-oriented funds are designed for goals like retirement or children’s education.
If you invest ₹10,000 in mutual funds, your money is spread across a mix of stocks or bonds and grows based on market performance over time. To get started, you can begin your journey by starting an SIP investment with Bajaj Finserv AMC today and potentially build wealth gradually.
No, mutual funds are not 100% safe because they are market-linked. However, debt funds and liquid funds are considered relatively low-risk compared to equity funds.
No, mutual funds are not 100% safe because they are market-linked. However, debt funds and liquid funds are considered relatively low-risk compared to equity funds.
Mutual funds don’t guarantee monthly returns, but some dividend or income plans may offer periodic payouts. Most investors benefit more from long-term growth rather than regular withdrawals.
A ₹3,000 SIP for 5 years means investing ₹1.8 lakh in total. Over time, this investment can grow to around ₹2.3–₹2.5 lakh through the power of compounding, depending on market performance.
Yes, you can exit after 1 month, but some funds may charge an exit load, and short-term investing may not give meaningful returns.
At Bajaj Finserv AMC, beginners can start investing by choosing a simple SIP, completing their KYC, and selecting funds that match their goals. With our easy online process, you can begin with a small amount and gradually build your investment journey with confidence.
A ₹1,000 SIP for 5 years means investing ₹60,000 in total. With assumed returns, it can grow to around ₹82,000 at maturity—showing how even small, consistent investments can build wealth over time through compounding. You can start your journey today by starting an SIP with Bajaj Finserv AMC.
A ₹2,000 SIP for 5 years means investing ₹1.2 lakh in total. Over time, it can grow to around ₹1.6 lakh at maturity, highlighting the power of disciplined investing. You can start building your wealth today by starting an SIP with Bajaj Finserv AMC.
A ₹20,000 SIP for 10 years means investing ₹24 lakh in total. Over the long term, it can grow to around ₹46 lakh at maturity, making it a strong strategy for wealth creation. You can begin your journey by starting an SIP with Bajaj Finserv AMC.
A ₹10,000 SIP for 5 years means investing ₹6 lakh in total. Over time, it can grow to around ₹8.2 lakh at maturity, helping you steadily build your financial goals. You can get started by starting an SIP with Bajaj Finserv AMC.
A ₹3,000 SIP for 5 years means investing ₹1.8 lakh in total. Over time, it can grow to around ₹2.5 lakh at maturity, driven by the power of compounding. You can begin investing today by starting an SIP with Bajaj Finserv AMC.
The minimum investment amount depends on the scheme. Some SIPs may start as low as ₹100–₹500, while lumpsum investments vary—check the scheme document for exact details.
Yes, Bajaj Finserv AMC offers a 100% digital process, making it easy to invest online in just a few steps.
You can track your investments through account statements, the AMC’s online portal, or consolidated account statements (CAS), along with daily NAV updates.
NAV is the per-unit price of a mutual fund, calculated daily. It reflects the current value of the fund’s underlying assets after expenses.
Yes, some mutual funds allow SIPs starting from ₹100, making it accessible even for first-time investors.
Yes, many mutual funds allow SIPs starting from ₹500 per month, depending on the scheme.
Yes, ₹1,000 is a common minimum for both SIP and lumpsum investments in many mutual fund schemes.
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The calculator alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj Finserv AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
Need help planning your investments?
Bajaj Finserv Limited, an unregistered Core Investment Company (CIC) under RBI Regulations 2020, is a part of the renowned Bajaj Group.
One of India’s leading and most diversified financial services institutions, Bajaj Finserv Ltd provides simple financial solutions to crores of people every day through its group companies. Through continuous innovation, it strives to enrich the lives of communities across the length and breadth of the country and make financial security accessible to all.
Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making.
Alpha (a) is a term used in investing to describe an investment strategy’s ability to beat the market.
Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to 'beat the market' on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don't have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
