Bajaj Finserv Healthcare Fund

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 types of plans: Direct Plan and Regular Plan. Both follow the same investment strategy, but the way you invest, and the cost, differs.

Direct Plan

This can be suitable for investors who prefer to invest on their own, without involving a distributor. Since there are no commission costs, the expense ratio for the direct plan is relatively lower. Over time, this can result in slightly higher net returns.

Regular Plan

Here, you invest through a distributor who assists you with the process. In return, the fund includes a commission fee in its overall charges. This means the expense ratio is a bit higher than in the direct plan.

The bottom line
Both plans have the same portfolio. The difference is in how you invest and the expense ratio you pay.

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. Invest now.

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.