BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount at regular intervals in a mutual fund scheme. A ₹20,000 SIP for 10 years involves investing ₹20,000 every month over a 120-month period. This approach may help investors work towards long-term financial goals such as home
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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
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Grow your wealth over time with Bajaj Finserv AMC’s Index Funds. Get access to diversified, cost-effective investing. Know More
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You may consider equity or hybrid mutual funds based on your risk profile and long-term goals.
No. Tax depends on the fund type and applicable capital gains rules.
A SIP offers market-linked growth potential, while an FD provides predictable returns. The choice depends on risk appetite.
Returns on fixed deposits/savings accounts are fixed, however, returns on mutual funds are subject to market risks.
No. Mutual fund investments are subject to market risks, though long-term investing may help manage volatility.
Yes. You can opt for a step-up SIP to increase the amount over time.
AUM stands for Assets Under Management and indicates the total market value of assets managed by the fund. It varies based on market movements and investor activity. For the latest AUM, you can check the scheme factsheet in the website’s Downloads sections.
The fund’s Assets Under Management (AUM) are disclosed regularly on the AMC’s website and in regulatory filings. Please refer to the scheme Factsheet for updated information.
A Rs. 20,000 SIP for 10 years may help investors build long-term financial discipline while spreading investments over time. Investing regularly reduces the need to time the market and allows participation across different market phases. This approach may be suitable for long-term goals where consistency and time play an important role.
This investment approach may suit individuals with stable income who can commit Rs. 20,000 monthly. It may also be suitable for investors planning long-term goals and those comfortable with market-linked fluctuations. Suitability depends on individual financial capacity and risk tolerance.
Choose a mutual fund scheme aligned with your long-term goal and risk comfort. Decide the monthly SIP amount of Rs. 20,000, select a suitable SIP date, complete KYC, and start the SIP through the AMC platform, bank, or distributor.
Returns from a Rs. 20,000 SIP for 10 years depend on the fund category and market performance. Equity funds may experience higher volatility, while hybrid funds offer a mix of growth and stability. Returns are market-linked and not guaranteed.
Past performance may or may not be sustained in future.
SIP returns are calculated using the XIRR method, which accounts for multiple monthly investments. SIP calculators can provide an indicative estimate of the potential corpus, but they should not be treated as predictions.
An investor contributes Rs. 20,000 every month for 120 months. Units are allotted based on the prevailing NAV for each instalment. For example, investing Rs. 20,000 monthly for 10 years results in a total investment of Rs. 24 lakh. The final corpus may be higher or lower depending on market movements and fund performance.
For illustrative purpose only.
Types of SIP funds suitable for 10-year horizon
For a 10-year SIP, equity-oriented funds such as large cap, flexi cap, mid cap, and multi cap funds may be considered for long-term growth potential. Hybrid funds may suit investors seeking a balance between growth and relative stability. Fund selection should align with risk appetite and investment goals.
Examples of Rs. 20,000 SIP for 10 years
| Fund category | Monthly investment | Total invested | Assumed ROI (annualised) | Final amount* |
|---|---|---|---|---|
| Large Cap | Rs. 20,000 | Rs. 24,00,000 | 10% | ~Rs. 41 lakh |
| Flexi Cap | Rs. 20,000 | Rs. 24,00,000 | 11% | ~Rs. 43 lakh |
| Mid Cap | Rs. 20,000 | Rs. 24,00,000 | 12% | ~Rs. 46 lakh |
| Small Cap | Rs. 20,000 | Rs. 24,00,000 | 13% | ~Rs. 49 lakh |
Note: This is for illustration purposes only. This example uses an assumed return rate. Mutual fund returns are not guaranteed and can fluctuate based on market trends. Past performance may or may not be sustained in future and is not a guarantee of any future returns.
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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.
