The Bajaj Finserv Healthcare Fund is a thematic equity mutual fund that invests in pharma, healthcare and allied companies. Anchored by a megatrend-focused strategy, the fund is designed to tap into structural shifts and emerging opportunities in healthcare-related sectors, ranging from medical manufacturing and biotechnology to diagnostics, hospitals, and digital health services.
The fund seeks to generate growth potential over time by tapping into India’s growing healthcare space. It can also help investors diversify their portfolio by investing in defensive sectors that have lower correlation with the broader market.
Bajaj Finserv Healthcare Fund - Regular & Direct Plans
When you invest in the Bajaj Finserv Healthcare Fund, you can choose between two plans: Regular Plan and Direct Plan . Both follow the same investment strategy and have the same underlying portfolio; however, the mode of investment and associated costs differ.
| Aspect |
Direct Plan |
Regular Plan |
|---|
| Mode of investment |
Investment is made directly, without involving a distributor |
Investment is made through a distributor |
| Assistance |
No intermediary support is involved |
Distributor assists with the investment process |
| Commission costs |
No distributor commission is included |
Distributor commission is included in fund expenses |
| Expense ratio |
Expense ratio is relatively lower due to absence of commission |
Expense ratio is relatively higher compared to the Direct Plan |
| Impact on returns |
Lower expenses may mean slightly higher net returns over time |
Higher expenses may mean slightly lower net returns over time |
In both direct and regular plans, you can choose between the growth and IDCW options. For instance, you can opt for Bajaj Finserv Healthcare Fund Direct Growth option or Bajaj Finserv Healthcare Fund Direct IDCW Payout. Similarly, you can choose Bajaj Finserv Healthcare Fund Regular Growth option or Bajaj Finserv Healthcare Fund Regular IDCW Payout. In the growth option, all potential profits earned by the fund are reinvested. In the IDCW option, the fund may distribute income to investors from time to time, subject to availability of distributable surplus.
How to invest in Bajaj Finserv Healthcare Fund
You can invest in Bajaj Finserv Healthcare Fund either online or offline, directly with Bajaj Finserv AMC or through a registered mutual fund distributor. To invest offline, you can visit any official point of acceptance of the AMC. For online investment, log in or sign up on the Bajaj Finserv AMC investor portal.
Taxation on Bajaj Finserv Healthcare Fund
Bajaj Finserv Healthcare Fund is taxed as an equity mutual fund. The following tax rates apply:
Short-term capital gains (STCG): If you redeem your units within 12 months of purchase, any gains are classified as short-term and taxed at 20%, along with applicable surcharge and cess.
Long-term capital gains (LTCG): If you stay invested for more than a year, your gains are considered long-term. Gains up to ₹1.25 lakh in a financial year are exempt from tax. Any gains above that are taxed at 12.5%, plus surcharge and cess as applicable.
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