BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
A ₹50,000 monthly investment over a year may seem short term, but it still offers a glimpse into how disciplined investing works. When you invest through a SIP, even over 12 months, your investments may begin to show gradual growth over time.
For shorter horizons, many investors consider debt mutual funds, as they offer relative stability and carry low to moderate risk. With an expected annual return of 7%, a total investment of ₹6 lakhs can grow to around ₹6.23 lakhs, generating gains of over ₹23,000.
While this may not deliver long term wealth on its own, it shows how consistency lays the groundwork for bigger financial goals. To plan your next steps more effectively, try Bajaj Finserv AMC’s SIP calculator and get a clearer picture of how your investments can grow.
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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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
Debt mutual funds may be suitable for this time frame, as they offer relatively stable returns with low to moderate risk.
No. Returns are subject to capital gains tax. The tax rate depends on the type of mutual fund.
It depends on your goal. SIPs may offer slightly higher returns, while FDs provide more stability.
No. SIPs are subject to market risks and returns can vary.
Yes, you may increase your investment during this period by opting for a step-up SIP or by starting an additional SIP with a higher amount if required.
Yes. You can stop or pause your SIP at any time in most cases.
No. SIP returns are market linked and not guaranteed.
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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.
