BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
To enhance investor protection, the Securities and Exchange Board of India has made it mandatory for all SEBI-registered investor-facing intermediaries to implement an exclusive, structured and validated Unified Payments Interface (UPI) address with an @valid handle and other distinctive markers for easy identification by investors. The rule came into effect on October 1, 2025.
As per the new structure, the UPI address must have the following:
Intermediaries such as brokers, mutual funds, depository participants, investment advisers and others who collect payments directly from investors must use a structured UPI ID format that is verified and clearly identifiable. Investors, however, remain free to use any payment mode they prefer. If they choose UPI, they will use the new validated UPI ID to ensure they are paying the authorised intermediary.
The move will help investors easily identify legitimate SEBI-registered market intermediaries and make secure payments.
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Our total Assets Under Management as on January 31, 2026.
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No, your existing investments will stay as they are – the move is only applicable for fresh investments initiated after the UPI IDs come into effect.
The investors can choose their preferred mode of payment, such as UPI, IMPS, NEFT, RTGS, or Cheques. If an investor opts to use UPI for the payment to registered intermediaries, then they must do so only using the new UPI IDs allotted to registered intermediaries.
Investors need to keep following things into consideration:
No, the new UPI IDs are only for intermediaries to obtain, and investors can continue to use their existing UPI IDs.
The secure validated UPI ID of intermediaries will use the same banking channel as the earlier generic UPI handles. In case of any technical difficulty, investors are requested to approach their respective bank.
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Bajaj Finserv Limited, an unregistered Core Investment Company (CIC) under RBI Regulations 2020, is a part of the renowned Bajaj Group.
One of India’s leading and most diversified financial services institutions, Bajaj Finserv Ltd provides simple financial solutions to crores of people every day through its group companies. Through continuous innovation, it strives to enrich the lives of communities across the length and breadth of the country and make financial security accessible to all.
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.
