BAJAJ ASSET MANAGEMENT LIMITED.
The investment objective of the scheme is to capitalize on the potential upside of equities while attempting to limit the downside by dynamically managing the portfolio through investment in equity & equity related instruments and active use of debt, money market instruments and derivatives.
Disclaimer: However, there is no assurance that the investment objective of the Scheme will be achieved.
Nimesh Chandan has over 26 years of experience in the Indian Capital Markets. He has spent 22 years in Fund Management- managing and advising domestic and international investors, retail as well as institutional. Prior to joining Bajaj Finserv Asset Management Ltd., he has worked with Canara Robeco Asset Management as Head of Investments, Equities (Domestic and Offshore). He has also worked with other asset management companies including Birla Sunlife Asset Management, SBI Asset Management and ICICI Prudential Asset Management.
Sorbh Gupta has over 20 years of experience in the Indian Capital Markets. In November 2022, he was appointed as Head – Equity at Bajaj Finserv Asset Management Limited. Prior to joining Bajaj Finserv Asset Management Limited, he was associated with Quantum Asset Management Company Private Ltd. He has also worked with other financial companies such as Siddhesh Capital Markets Pvt. Ltd. and Pranav Securities Pvt. Ltd.
Siddharth Chaudhary joined the Company in July 2022 as a Senior Fund Manager – Fixed Income. Prior to this, he was associated with Sundaram Asset Management Co. Ltd from April 2019 - July 2022 as Head Fixed Income – Institutional Business. From April 2017 – March 2019, he served as a Head – Fixed Income, and from August 2010 – March 2017 as a Fund Manager – Fixed Income with Sundaram Asset Management Co. Ltd. During June 2006 – September 2010, he was working as Senior Manager, Treasury Dept in Indian Bank.
Equity and equity-related instruments#:
Maximum: 90%, Minimum: 65% (Risk profile – Very high)
Debt and money market instruments and units of mutual fund schemes:
Maximum: 35%, Minimum: 10% (Risk profile – Low to moderate)
#The gross equity and equity related exposure would be normally maintained between 65%-100%, the net equity exposure can be brought down below 65% through various derivative strategies. For detailed asset allocation, please refer to the Scheme Information Document
Bajaj Finserv Balanced Advantage Fund
An Open Ended Dynamic Asset Allocation Fund
Lumpsum: Rs. 500 and in multiples of Re. 1.
Systematic Investment Plan (SIP):
From Rs. 500 up to Rs. 1,000: minimum 60 instalments.
Above Rs. 1,000: minimum 6 instalments.
Not applicable
If units are redeemed/switched out within 3 months from the date of allotment:
• if up to 8% of units allotted are redeemed/switched out – Nil
• any redemption/switch-out of units in excess of 8% of units allotted – 1% of applicable NAV.
If units are redeemed/switched out after 3 months from the date of allotment, no exit load is payable.
The scheme will not levy exit load in case the timelines for rebalancing portfolio as stated in
SEBI circular dated March 30, 2022 is not complied with.
to view Total Expense Ratio
A Balanced Advantage Fund, also called a Dynamic Asset Allocation Fund, is a type of hybrid mutual fund that invests in both equity and debt instruments. This way, it combines the long-term growth potential of stocks with the relative stability of debt securities such as bonds and money market instruments.
What makes a balanced advantage fund different is its flexibility. Unlike funds that maintain a narrowly defined allocation pattern, balanced advantage funds can dynamically manage their exposure to equity and debt based on market conditions. For example, when equity market valuations look relatively favourable, the fund may invest more in equities. When markets look expensive or uncertain, it may shift more towards debt to help manage risk.
Bajaj Finserv Balanced Advantage Fund is a hybrid mutual fund that invests in both equity and debt. It follows a dynamic asset allocation strategy, allowing the fund manager to adjust the equity and debt mix based on market conditions and valuations.
Bajaj Finserv Balanced Advantage Fund may be suitable for investors looking for exposure to both equity and debt through a single mutual fund. It can be considered by those with a medium- to long-term investment horizon who prefer a professionally managed portfolio that dynamically adjusts to changing market conditions.
Bajaj Finserv Balanced Advantage Fund uses a dynamic asset allocation strategy that combines fundamental factors, such as economic growth and corporate earnings, with behavioural indicators like investor sentiment and market trends. This helps the fund manager decide how much to invest in equity and debt across different market conditions.
You can start investing in Bajaj Finserv Balanced Advantage Fund with a lumpsum investment of ₹500 and thereafter in multiples of Re. 1. For SIPs, the minimum investment is ₹500. SIPs between ₹500 and ₹1,000 require a minimum of 60 instalments, while SIPs above ₹1,000 require a minimum of 6 instalments.
Bajaj Finserv Balanced Advantage Fund is benchmarked against the NIFTY 50 Hybrid Composite Debt 50:50 Index. The benchmark provides a reference for comparing the fund’s performance over different time periods.
As on 31 July 2026, Bajaj Finserv Balanced Advantage Fund recorded a 1-year return of 6.73%, compared with 1.15% for its benchmark. Since inception, the fund recorded returns of 8.20%, while the benchmark recorded 6.74%.
Past performance may or may not be sustained in future.
As on 31 July 2026, Bajaj Finserv Balanced Advantage Fund had an AUM of ₹1,152.27 crore. Assets Under Management (AUM) refers to the total value of assets managed under the scheme. The AUM can change over time due to fresh investments, redemptions and changes in the value of the scheme’s investments.
As per the latest Product Label, Bajaj Finserv Balanced Advantage Fund is classified as Very High Risk. Its benchmark, the NIFTY 50 Hybrid Composite Debt 50:50 Index, is classified as High Risk under the SEBI-prescribed Riskometer. The fund’s risk classification is based on the portfolio composition as well as SEBI guidelines and is subject to periodic review.
No. Bajaj Finserv Balanced Advantage Fund is an open-ended mutual fund and does not have a lock-in period. However, an exit load may apply if units are redeemed within the applicable exit load period specified in the Scheme Information Document.
Both plans invest in the same portfolio and follow the same strategy. The Direct Plan is bought directly from the AMC and generally has a lower expense ratio. The Regular Plan is bought through a distributor or advisor and generally has a higher expense ratio due to distributor commission.
A Dynamic Asset Allocation Fund changes its mix of equity and debt based on market conditions. Bajaj Finserv Balanced Advantage Fund uses both fundamental and behavioural signals to decide this allocation and rebalance the portfolio as conditions change.
Yes. A Dynamic Asset Allocation Fund can still be affected by market movements, and its allocation decisions may not always work as expected. It may also participate less in sharp equity market rallies if the fund has reduced its equity exposure.
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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 AMC, we endeavour to combine the best of these edges.
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