BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
Investing regularly through a Systematic Investment Plan (SIP) may help you build potential wealth over time. An SIP for 15 years provides a longer horizon for your investments to participate in market growth and potentially leverage the power of compounding. With consistent contributions and a steady approach, it may help you work toward major life goals such as retirement planning, a child’s education, or long-term wealth creation.
A 15-year SIP builds financial discipline and encourages steady investing across different market conditions. With a longer investment period, it may help you leverage the power compounding and potentially navigate market fluctuations. Such a plan may be suitable for investors focused on long-term goals like retirement savings, a child’s education, or creating lasting wealth.
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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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.
Quality and liquidity
Build long-term wealth with Bajaj Finserv AMC’s equity mutual funds, designed to invest in a diversified portfolio of stocks Know More
Diversify your portfolio to reduce risk and get relatively stable growth potential. Invest in Bajaj Finserv AMC’s debt mutual funds. Know More
Benefit from a balanced investment strategy that combines growth potential with relative stability Know More
Grow your wealth over time with Bajaj Finserv AMC’s Index Funds. Get access to diversified, cost-effective investing. Know More
Invest in ETFs for intra-day trading flexibility, cost-efficiency and diversification. Know More
Equity or hybrid mutual funds may be suitable for long-term SIPs, as they have potential to generate growth over time.
No. SIP investments are subject to taxation based on fund category and holding period.
SIPs are market-linked, while FDs offer fixed returns. The option you pick depends on your goals and risk preference. Returns on mutual funds are not guaranteed.
No. SIP returns vary as they depend on market movements.
You can start with Rs. 500 per month. The minimum amount differs across funds.
Yes. Many mutual funds allow you to increase your SIP contribution as your income grows.
Yes. You may pause or stop the SIP after the chosen duration. Terms depend on the fund.
No SIP guarantees fixed returns. Fund performance depends on market conditions and investment tenure.
Some funds may have delivered high historical returns, but these are not indicative of future performance.
An SIP for 15 years helps you leverage compounding over a long duration. It encourages financial discipline and helps you plan for major goals such as retirement or wealth creation. Staying invested for the full term reduces the effect of market volatility and supports smoother growth.
A 15-year SIP may suit investors looking for long-term financial growth through regular investing. It is ideal for those comfortable with market-linked returns and willing to stay invested through varying market cycles.
Choose a mutual fund scheme aligned with your long-term goals and risk profile. Set your SIP tenure as 15 years, decide the contribution amount, complete KYC, and begin investing online or through an AMC. Regular investing over time may potentially help build a corpus.
Returns from a 15-year SIP depend on the chosen fund type and overall market movement. Equity-oriented funds may offer higher growth potential, while hybrid funds may provide balanced returns.
SIP returns can be calculated using the XIRR method, which considers multiple periodic investments. You may also use an online SIP calculator for estimates.
While selecting a 15-year SIP, review your goals, risk profile, and time horizon. Diversified equity or hybrid funds may suit this period. Assess fund consistency, track record, and expense ratio before investing.
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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.
