{
"debt": "Debt/Cash 25.67%",
"equity": "Equity 69.93%",
"BFRGG": {
"nav": "10000",
"date": "31-05-2025",
"since": {
"bajajflexi": "8.34",
"bajajsmall": "10.89",
"bajajnifty": "11.54"
},
"6_month_ago": {
"bajajflexi": "5.16",
"bajajsmall": "10.93",
"bajajnifty": "11.08"
}
},
"BFDGG": {
"nav": "10001",
"date": "31-05-2025",
"since": {
"bajajflexi": "10.04",
"bajajsmall": "10.89",
"bajajnifty": "11.54"
},
"6_month_ago": {
"bajajflexi": "6.78",
"bajajsmall": "10.93",
"bajajnifty": "11.08"
}
}
}

Fund Card

Bajaj Finserv Balanced Advantage Fund

Hybrid

Regular Growth

Direct Growth

NAV	Risk Type
₹13.1234 as on 20-09-2024	Very High

For -

Since Inception

1 Year

As on 30-09-2024

Bajaj Finserv Balanced Advantage Fund

26.48%

NIFTY 50 Hybrid Composite debt 50:50 Index

15.83%

Nifty 50 TRI

15.83%

Invest Now

Summary Note

This is a hybrid fund with NIFTY 50 Hybrid Composite debt 50:50 Index as its benchmark. The risk level for this fund is categorised as Very High.

Summary Dynamic Card

Total AUM

₹1304.22 crores

as on 31-05-2025

Benchmark

NIFTY 50 Hybrid Composite debt 50:50 Index

Min. SIP Amount

₹500

Inception Date

15-12-2023

Benefits

Dynamic asset allocation

These funds dynamically allocate assets between equity and debt instruments, aiming to capture some part of the growth during bullish phases while mitigating downside risk during bearish phases.

Optimizing returns

Balanced advantage funds seek to generate consistent returns by leveraging opportunities across both equity and debt markets.

Risk management

By dynamically adjusting the allocation between equity and debt, these funds aim to reduce the impact of market volatility on investment returns.

Summary Investment Philosophy

Investment Objective

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.

Portfolio

Asset Allocation Pattern

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

Portfolio - Current Allocation

Top Holding

Top Holdings

HDFC Bank Limited

8.86%

Reliance Industries Limited

5.95%

ICICI Bank Limited

4.23%

State Bank of India

3.84%

Infosys Limited

3.44%

Axis Bank Limited

2.71%

Allocation by Market Cap

Large Cap

81.32%

Small Cap

2.14%

Mid Cap

1.53%

Top Sectors

Banks

24.61%

Finance

6.59%

IT - Software

6.31%

Petroleum Products

5.95%

Pharmaceuticals & Biotechnology

5.68%

Telecom - Services

3.60%

See All Holdings

As on 31-05-2025

Top Holdings

7.7% Maharashtra SDL (MD 15/11/2034)

0.83%

7.3% GOI (MD 19/06/2053)

0.41%

7.09% GOI (MD 05/08/2054)

0.40%

6.79% GOI (MD 30/12/2031)

0.18%

6.79% GOI (MD 07/10/2034)

0.18%

6.9% GOI (MD 15/04/2065)

0.02%

Credit rating profile

Cash & Cash Equivalent

10.54%

Instrument break-up

Cash & Cash Equivalent

10.54%

Reverse Repo / TREPS

10.54%

As on 31-05-2025

Historical Returns

Historical Returns (as per SEBI format) As on 31-05-2025

Tenors	CAGR		Current value of ₹10,000 Invested
Tenors	Since Inception	1Y	Since Inception	1Y
Bajaj Finserv Balanced Advantage Fund	8.34%	5.16%	11,239	10,514
NIFTY 50 Hybrid Composite debt 50:50 Index	10.89%	10.93%	11,627	11,090
Nifty 50 TRI	11.54%	11.08%	11,726	11,104

Disclaimer: Past performance may or may not be sustained in future.
Different Plans i.e. Regular Plan and Direct Plan under the scheme have different expense structure. Performance is provided for Regular Plan – Growth Option. Inception Date: 15^th December 2023 Period for which scheme’s performance has been provided is computed basis last day of the previous month preceding the date of this material.
Returns less than 1 year period are simple annualized and greater than 1 year are compounded annualized.

Key Ratios

Portfolio Parameters As on 31-05-2025

Beta	1.28%
Sharpe	0.20
Standard Deviation	9.62%
Jensen's Alpha	-3.80
Information Ratio	-0.81
YTM	6.72%
Average Maturity	10.57 Yrs
Macaulay Duration	6.83 Yrs
Modified Duration	6.49 Yrs

YTM details should not be construed as indicative returns and the securities bought by the Fund may or may not be held till the respective maturities.

Who Should Invest/Fund Manager

Who Should Invest?

This scheme can be suitable for investors who:

Want to add dynamic asset allocation to their portfolio.
Want diversification in their portfolio.
Are seeking professional fund management.
Want potential capital appreciation with mitigation of downside risk.
Have a long-term investment horizon.

Fund Manager

Fund Managers

Nimesh Chandan

Chief Investment Officer

View in detail

Sorbh Gupta

Head – Equity

View in detail

Siddharth Chaudhary

Head – Fixed Income

View in detail

Scheme Fund Details

Fund Details

Type of Scheme

Bajaj Finserv Balanced Advantage Fund
An Open Ended Dynamic Asset Allocation Fund

Minimum Investment

Minimum Application Amount

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.

Load Structure

Load Structure/Lock-In Period

Entry load – Not applicable

Exit load – 1% of applicable NAV if excess of 8% of units allotted redeemed/switched out within
6 months from the date of allotment.
Nil, if redeemed/switched out after 6 months from the date of allotment.
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.

Options

Options/Sub-Option

Growth option
Income Distribution cum Capital Withdrawal (IDCW) option

IDCW option will offer the following sub-options:
Payout of IDCW sub-option
Reinvestment of IDCW sub-option
Transfer of IDCW sub-option

Product Label and Riskometer

This product is suitable for investors who are seeking*:

To generate wealth creation over long term
Dynamic asset allocation between equity and equity related instruments including derivatives, and fixed income instruments

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Scheme Documents

Documents

Presentation

Application Form

Scheme Information Document (SID)

Key Information Document (KIM)

Statement of Additional Information (SAI)

Overview

Bajaj Finserv Balanced Advantage Fund Overview

A Balanced Advantage Fund is a hybrid mutual fund investing in both debt and equity-related instruments. The allocation is decided as per the fund manager’s investment strategy and the scheme’s investment objective – there is no minimum allocation requirement.

The equity component of the fund can help generate potential capital appreciation, while the debt component can potentially mitigate risk and lend relative stability to the portfolio. The fund’s risk level can range from moderate to very high, depending on the typical equity-debt ratio.

The fund can also dynamically manage its allocation pattern, which means that it can increase or decrease the weightage of debt and equity in response to market trends.
Investors who seek potential capital appreciation with risk mitigation and have a long-term investment horizon can consider a balanced advantage fund investment. Those who want a balance of debt and equity and seek an actively managed portfolio can also look to invest in balanced advantage funds.
You can invest in Bajaj Finserv Balanced Advantage Fund either in lumpsum or through SIPs, depending on your financial goals and investment strategy.

FAQ

Frequently Asked Questions

A balanced advantage fund, as per SEBI, is a hybrid fund that can dynamically manage its investments between debt and equity. This means that there are no regulatory limits on how much percentage of the balanced fund portfolio should be allocated to either asset class – the fund is free to determine their asset allocation pattern based on their strategy, investment objectives and market outlook.

One should invest in Bajaj Finserv Balanced Advantage Fund is because the fund’s investment approach is rooted in the first principles thinking that the equities market is influenced by both fundamental and behavioural factors. Fundamental factors include economic variables (GDP growth, interest rates, inflation, industrial production, current account deficit, etc.) and corporate aggregates (revenue outlook, earnings outlook, balance-sheet strength, etc.). Behavioural Factors on the other hand, encompass elements such as investor sentiment, herd behaviour, underlying biases, and other similar considerations. Additionally, our fund management team also simultaneously monitors behavioural elements prevalent in the market, utilizing an internally built composite indicator. This indicator is based on multiple factors which captures trends in different markets such as currency fluctuations, commodities trends, fixed income premiums of key securities, and prevailing liquidity momentum in the market.

No market-based investment is risk-free and there is no guaranteed safety. When the market is doing well or if you have a surplus of cash, a lumpsum investment could potentially yield good returns. On the other hand, SIPs can help build wealth over time through small but regular investments. They could also potentially help lower risk somewhat amid volatility though rupee cost averaging. To better understand how these regular investments can accumulate, an SIP calculator can assist you in projecting your future returns based on your investment amount and duration.

The Bajaj Finserv Balanced Advantage Fund can be suitable for investors who have a long-term investment horizon, are comfortable with some amount of risk, want a professional managed portfolio and seek potential capital appreciation with mitigation of risk through diversification and dynamic allocation between debt and equity.

The Net Asset Value or NAV of a scheme is updated daily as it is based on the market performance of the scheme’s underlying assets and the fund’s liabilities. The Bajaj Finserv Balanced Advantage Fund NAV on a given day can be seen on the scheme page.

BAF is suitable investment option for investors who want to build wealth over time and are comfortable taking some risk but also want to diversify their portfolio with some low-risk assets. The fund’s flexibility to choose its allocation pattern can help it capitalise on the potential upside of the equity market while lowering the downside through debt instruments and money market investments, among others.

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HDFC Bank Limited	8.86
Reliance Industries Limited	5.95
ICICI Bank Limited	4.23
State Bank of India	3.84
Infosys Limited	3.44
Axis Bank Limited	2.71
Larsen Toubro Limited	2.65
UltraTech Cement Limited	2.13
Divi's Laboratories Limited	2.08
Kotak Mahindra Bank Limited	2.05
Tata Consultancy Services Limited	2.03
Jio Financial Services Limited	2.00
Power Finance Corporation Limited	1.98
Hindustan Unilever Limited	1.95
Power Grid Corporation of India Limited	1.94
Indus Towers Limited	1.91
Britannia Industries Limited	1.90
Bharti Airtel Limited	1.69
Adani Ports and Special Economic Zone Limited	1.63
HDFC Life Insurance Company Limited	1.52
Bajaj Finserv Limited	1.51
Sanofi Consumer Healthcare India Limited	1.47
Sun Pharmaceutical Industries Limited	1.46
United Spirits Limited	1.44
ITC Limited	1.33
Bajaj Finance Limited	1.27
Canara Bank	1.20
Yes Bank Limited	1.13
Aditya Birla Capital Limited	1.08
Eicher Motors Limited	1.08
SBI Life Insurance Company Limited	1.04
DLF Limited	1.03
Tata Steel Limited	1.03
Maruti Suzuki India Limited	1.02
Vedanta Limited	0.95
ITC Hotels Limited	0.90
JSW Steel Limited	0.89
Bharat Electronics Limited	0.86
LTIMindtree Limited	0.84
7.7% Maharashtra SDL (MD 15/11/2034)	0.83
Hindustan Aeronautics Limited	0.82
Cummins India Limited	0.80
Manappuram Finance Limited	0.73
Cipla Limited	0.67
Mahindra Mahindra Limited	0.61
Central Bank of India	0.59
VIP Industries Limited	0.58
NTPC Limited	0.53
United Breweries Limited	0.52
Bharat Heavy Electricals Limited	0.50
Tata Consumer Products Limited	0.50
Power Grid Corporation of India Limited	0.49
Akzo Nobel India Limited	0.48
Apollo Hospitals Enterprise Limited	0.47
Coal India Limited	0.46
Shree Cement Limited	0.45
7.3% GOI (MD 19/06/2053)	0.41
7.09% GOI (MD 05/08/2054)	0.40
Info Edge (India) Limited	0.27
6.79% GOI (MD & 30/12/2031)	0.18
Eternal Limited	0.13
6.79% GOI (MD 07/10/2034)	0.02
NIFTY	-4.40

Bajaj Finserv Balanced Advantage Fund

Total AUM

Benchmark

Min. SIP Amount

Inception Date

Benefits

Investment Objective

Asset Allocation Pattern

Portfolio - Current Allocation

Historical Returns (as per SEBI format) As on 31-05-2025

Portfolio Parameters As on 31-05-2025

Who Should Invest?

Fund Managers

Fund Details

Type of Scheme

Minimum Application Amount

Load Structure/Lock-In Period

Options/Sub-Option

Product Label and Riskometer

This product is suitable for investors who are seeking*:

Documents

Bajaj Finserv Balanced Advantage Fund Overview

Frequently Asked Questions

What is Balanced Advantage Fund?

Why invest in Bajaj Finserv Balanced Advantage Fund?

Is it safe to invest lumpsum in balanced advantage fund?

When should you invest in BAF?

What is Bajaj Finserv Balanced Advantage Fund NAV?

Is balanced advantage fund a good investment?

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