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Bajaj Finserv Equity Savings Fund

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"debt": "Debt/Cash 100%",
"equity": "Equity 0%",
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"date": "31-10-2024",
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Fund Card

Bajaj Finserv Equity Savings Fund


Hybrid
Regular Growth

NAV Risk Type
₹--.--
as on 8-05-2025
Moderate

Summary Note
 
notifier-imgThis is a hybrid fund with Nifty Equity Savings TRI as its benchmark. The risk level for this fund is categorised as Moderate.
Summary Dynamic Card

Category of Scheme

Equity Savings Fund

Benchmark

Nifty Equity Savings TRI

Min. SIP Amount

₹500

Inception Date

19-08-2025

Benefits
 
 

Benefits of investing in Bajaj Finserv Equity Savings Fund

Growth and stability

A balanced portfolio of equity, arbitrage, and debt - offering growth potential and stability without the worries of inflation or high volatility

Tax advantage

It offers a relatively better long-term post-tax returns than debt investments, making them a tax-efficient investment choice

No lock-in period

Investors can redeem their units whenever they need access to their money, subject to applicable exit loads and market conditions.

Summary Investment Philosophy

Bajaj Finserv Equity Savings Fund

An open ended scheme investing in equity, arbitrage and debt

Portfolio
 

Asset Allocation

Instruments Indicative allocations (% of total assets)
Minimum Maximum
Equity and equity related instruments 65% 90%
Of which Derivatives including index futures, stock futures, index options and stock options, etc. (arbitrage opportunities)    
Derivatives (hedged) 25% 80%
Net long equity exposure (unhedged) 10% 40%
Debt and Money Market Instruments* (including derivatives) 10% 35%
Units issued by REITs and InvITs 0% 10%

The asset allocation pattern for the scheme under defensive circumstances is detailed in the table below:
Instruments Indicative allocations (% of total assets)
Minimum Maximum
Equity and equity related instruments 15% 65%
Of which Derivatives including index futures, stock futures, index options and stock options, etc. (arbitrage opportunities)    
Derivatives (hedged) 0% 55%
Net long equity exposure (unhedged) 10% 30%
Debt and Money Market Instruments* (including derivatives) 35% 85%
Units issued by REITs and InvITs 0% 10%

*Debt instruments shall be deemed to include securitized debts (excluding foreign securitized debt). Money market instruments will include commercial papers, commercial bills, Triparty REPO, Reverse Repo and equivalent and any other like instruments as specified by SEBI and Reserve Bank of India from time to time.
Who Should Invest/Fund Manager

Who Should Invest?

  • Want equity exposure, but not full market swings
  • Prioritize consistent returns and steady compounding
  • Looking to generate stable withdrawals (e.g., SWP)
  • Prioritize reliability with some growth
  • Seek tax-efficient returns by maintaining a low volatility strategy while shifting between market opportunities.
  • Adjust allocation based on market timing
Fund Manager

Fund Managers

Sorbh Gupta
Head – Equity
Siddharth Chaudhary
Head – Fixed Income
Mr. Ilesh Savla
Senior Dealer and Fund Manager - Equity
Scheme Fund Details
 
 

Fund Details

Investment Objective

The objective of the scheme is to generate capital appreciation and income by investing in equity and equity related instruments, arbitrage opportunities and fixed income instruments (including debt, government securities and money market instruments).

However, there is no assurance that the investment objective of the Scheme will be achieved.

Minimum Investment

Minimum Application Amount

  • Minimum application amount (lumpsum): Rs. 500/- and in multiples of Re. 1/- thereafter.
  • Systematic Investment Plan (SIP): Rs. 500 and above: minimum 6 instalments.
  • For more information, please refer SAI.
Load Structure

Minimum Redemption/switch out amount

Rs. 500 and in multiples of Re. 0.01/- or the account balance of the investor, whichever is less.

Load Structure/Lock-In Period

Entry Load: Nil
Exit Load:

Particulars Upto 10% of units held
If units redeemed/switched out within 7 days from allotment date 0.25% of the applicable NAV
If units redeemed/switched out after 7 days from allotment date Nil

Exit load is applicable for each purchase of units through Lumpsum / switch-in / Systematic Investment Plan (SIP) and Systematic Transfer Plan (STP). The Scheme will not levy exit load in case the timelines for rebalancing portfolio as stated in SEBI Master Circular for Mutual Funds dated June 27, 2024, is not complied with.

Options

Plans:

Bajaj Finserv Equity Savings Fund – Direct Plan

Bajaj Finserv Equity Savings Fund – Regular Plan

Options/Sub-Option

Growth Option

Income Distribution cum Capital Withdrawal (IDCW) option with Payout of Income Distribution cum Capital Withdrawal sub-option, Reinvestment of Income Distribution cum Capital Withdrawal suboption and Transfer of Income Distribution cum Capital Withdrawal sub-option.

Product Label and Riskometer

Product Label and Riskometer#

This product is suitable for investors who are seeking*:

  • wealth creation over long term
  • capital appreciation by investing in equity and equity related instruments and regular income through investments in fixed income securities, arbitrage and other derivative strategies.
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them
#The above product labelling assigned during the New Fund Offer is based on internal assessment of the Scheme Characteristics or model portfolio and the same may vary post NFO when actual investments are made.
Overview

Bajaj Finserv Equity Savings Fund – Overview

Bajaj Finserv Equity Savings Fund is a hybrid fund that invests across equity, arbitrage and debt instruments

The fund seeks to bridge the gap between the low-risk and low-return profile of traditional avenues and the high-risk high-return potential of equities. By offering measured equity exposure and balancing it with debt and low-risk arbitrage opportunities, the fund seeks to capture some upside while mitigating volatility.

The portfolio mix is as follows:

  • Equity potion: Invests in companies with sustainable growth at fair or slightly undervalued prices using a GARP strategy, aiming for long-term capital appreciation.
  • Arbitrage portion: Exploits short-term price differences to create hedged equity positions, lowering market risk and volatility.
  • Debt portion: Focuses on quality AAA-rated and sovereign securities, balancing risk and return through active management.

The fund may also allocate to REITs and InvITs for added diversification.

Features of Bajaj Finserv Equity Savings Fund

  • Relative stability with lower volatility – The debt and arbitrage components may help cushion the impact of market swings.
  • Active management – The Bajaj Finserv Equity Savings Fund is managed by a team of experienced fund managers who actively select and balance equity, debt, and arbitrage positions.
  • Built-in diversification – Due to its diversified portfolio, the Bajaj Finserv Equity Savings Fund can reduce risk exposure and offer relative stability.
  • Flexible withdrawals – The Bajaj Finserv Equity Savings Fund has no lock-in period, offering liquidity. However, exit loads may apply for redemptions made within 7 days of allotment.
  • Tax-efficient structure – The Bajaj Finserv Equity Savings Fund seeks to maintain total equity exposure of 65% (including the arbitrage component). This qualifies it for equity taxation. Long-term capital gains (after 12 months) are tax-free up to ₹1.25 lakh, beyond which a 12.5% tax applies. Short-term gains (within 12 months) are taxed at 20%.
  • Convenient investing options – The Bajaj Finserv Equity Savings Fund is available through Lumpsum or SIP and minimal investment amounts.

How Does Bajaj Finserv Equity Savings Fund Work

As per regulatory norms, an Equity Savings Fund is a hybrid fund that combines equity, debt and arbitrage in its portfolio. The equity portion helps capture growth potential in the long term, while the arbitrage portfolio seeks to profit from brief market inefficiencies. The debt component, meanwhile, adds relative stability to the portfolio.

This makes equity savings funds less volatile than pure equity funds, with better growth potential than pure debt funds or traditional fixed-income avenues.

The Bajaj Finserv Equity Savings Fund actively manages its portfolio to capture upside or mitigate the impact of volatility in different market conditions. The debt portion seeks to offer the potential for steady income and relative stability. Finally, the arbitrage portion seeks to generate low volatility returns and hedge the portfolio.

How to Invest in Bajaj Finserv Equity Savings Fund

To invest in Bajaj Finserv Equity Savings Fund, you can use the following modes –

  1. Offline mode – If you wish to invest offline, you can fill out an application form and submit it to the official point of acceptance (OPAT) of the AMC, either directly or through a distributor.
  2. Online mode – If you are looking to invest online, you can do so with your Demat account or by creating an account on the Bajaj Finserv AMC website. You can also take the help of a distributor. Once you create your account, you can choose to invest in Bajaj Finserv Equity Savings Fund through SIP or lumpsum.

Taxation on Bajaj Finserv Equity Savings Fund

Taxation on Bajaj Finserv Equity Savings Fund follows the same rules as applicable to equity schemes.

  • Short-term capital gains – If you redeem your units within 12 months, the gains are treated as short-term and are taxed at 20%, plus applicable surcharge and cess.
  • Long-term capital gains – If you stay invested for over 12 months, your gains up to ₹1.25 lakh in a financial year are tax-exempt. Any amount above this is taxed at 12.5%, plus surcharge and cess wherever applicable.
FAQ
 
 

Frequently Asked Questions

An Equity Savings Fund is a hybrid mutual fund that invests in a mix of equity, debt, and arbitrage opportunities to balance risk and return.

It’s suitable for conservative investors looking for relatively better returns than debt funds, but with lower risk than pure equity funds.

No, equity savings funds do not have a lock-in period. However, exit loads may apply if redeemed early.

Risk is managed by diversifying across equity, debt, and arbitrage components, which helps reduce volatility.

You can invest in equity savings mutual funds either online or offline. To invest online, you can create an account with Bajaj Finserv AMC. To invest offline, you can fill out a physical application form and submit it at an official point of acceptance (OPAT) of the AMC. You can also invest through a distributor under the Regular plan. The distributor will guide you through the application process.

These funds generally invest across equity, debt instruments, and arbitrage opportunities, aiming to strike a balance between growth potential and stability.

Such funds offer a diversified portfolio that seeks to combine relative stability with growth potential.

The minimum investment amount differs across fund houses. The Bajaj Finserv Equity Savings Fund requires a minimum initial investment of Rs. 500.

The tax structure depends on the equity-debt mix in the portfolio. If the fund maintains an allocation of 65% and above to equities (including arbitrage), it is taxed as an equity-oriented fund.

That depends on your financial goals. However, staying invested for a reasonable time frame may help in riding out market volatility.

Returns vary depending on market conditions, asset allocation, and overall fund performance.

Whether an equity savings fund is suitable for you on several factors such as your investment goals, risk appetite and investment horizon.

AUM figures are periodically updated and can be checked on the AMC’s website or factsheet.

Risk levels are disclosed as per SEBI guidelines and may be revised from time to time. Please check the latest fund factsheet.

The top holdings may change from time to time based on market conditions and the fund manager’s outlook. Please refer to the latest fund factsheet for up-to-date information.

The fund portfolio is diversified across equity, debt and arbitrage. Detailed asset allocation can be found in the monthly factsheet or scheme information document.

Expense ratios differ for Direct and Regular plans and are reviewed periodically. For current figures, please check the latest fund factsheet or the AMC website.

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