Growth and stability
A balanced portfolio of equity, arbitrage, and debt - offering growth potential and stability without the worries of inflation or high volatility
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BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
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.
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.
Here are its key features
Growth and stability
A balanced portfolio of equity, arbitrage, and debt - offering growth potential and stability without the worries of inflation or high volatility
Read MoreTax advantage
It offers a relatively better long-term post-tax returns than debt investments, making them a tax-efficient investment choice
Read MoreNo lock-in period
Investors can redeem their units whenever they need access to their money, subject to applicable exit loads and market conditions.
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Prioritize consistent returns and steady compoundingLooking to generate stable withdrawals (e.g., SWP)Prioritize reliability with some growthSeek tax-efficient returns by maintaining a low volatility strategy while shifting between market opportunities.Adjust allocation based on market timing
Sorbh Gupta has over 16 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.
Mr. Savla has over 25 years of work experience across various functions in Equity Dealing and Sales Trading / Dealing profile. Prior to joining the Company, Mr. Savla was associated with Reliance Nippon Life Insurance, Equirus Securities and Maybank KimEng Securities.
| 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.
An open ended scheme investing in equity, arbitrage and debt
Nil
0.25% of the applicable NAV if units redeemed/switched out within 7 days from allotment date.
Nil, if units redeemed/switched out after 7 days from allotment date.
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.
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.
to view Total Expense Ratio
Bajaj Finserv Equity Savings Fund – Direct Plan
Bajaj Finserv Equity Savings Fund – Regular Plan
The Bajaj Finserv Equity Savings Fund’s portfolio mix is as follows:
The fund may also allocate to REITs and InvITs for added diversification.
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.
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.
To invest in Bajaj Finserv Equity Savings Fund, you can use the following modes –
Taxation on Bajaj Finserv Equity Savings Fund follows the same rules as applicable to equity schemes.
| Arbitrage Fund | Balanced Advantage Fund | Multi Asset Allocation Fund |
|---|
| Equity Funds | Debt Funds | Hybrid Funds | Index Funds |
|---|---|---|---|
| Exchange Traded Fund Funds | Savings+ | All Mutual Funds |
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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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.
