BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
Surat, one of Gujarat’s industrial and commercial hubs, is recognized for its diamond polishing and textile industries. With a strong entrepreneurial environment, expanding infrastructure, and rising affluence , the city is also witnessing a growing interest in structured financial products.
At the same time, a considerable portion of household savings in Surat continues to be directed toward traditional avenues such as real estate, fixed deposits, and gold. mutual fund may serve as an additional option by offering professionally managed, diversified portfolios that could align with different financial objectives.
Mutual funds may appeal to Surat residents as they give a range of options for investors. Equity funds may provide exposure to the growth potential of companies across sectors and help in long-term wealth accumulation. Debt funds may offer relatively stable outcomes compared with equity funds and could serve as an alternative to certain traditional instruments. Hybrid funds combine both equity and debt, aiming to balance risk and potential returns. Systematic Investment Plans (SIPs) allow individuals to begin with modest sums, encouraging disciplined investing habits over time.
For residents of Surat, AMCs such as Bajaj Finserv AMC provide schemes across equity, debt, and hybrid categories. Investors may evaluate these options based on personal risk appetite, goals, and investment horizon while reviewing all scheme-related documents carefully.
*Traditional avenues such as savings accounts and bank deposits offer fixed returns, whereas mutual funds are subject to market risks.
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Our total Assets Under Management as on February 28, 2026.
Start your investment journey with Bajaj Finserv AMC – a name trusted by investors and distributors across India.
Embrace hassle-free investing with our end-to-end digital process.
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
For the fixed income market, the most important aspect is the quality of the asset. Our focus is to create an investment universe of borrowers who have the ability to service and pay back the debt. We evaluate whether there is adequate cover and understand the covenants wherever applicable on securities.
Next comes liquidity management. Here, we use tools to monitor liquidity and duration of the portfolio. It is important to conduct the stress tests regularly to understand portfolio liquidity risk.
Returns have to be evaluated under the lens of risk-adjusted return. We wouldn’t compromise on the quality curve for higher returns. Right selection of security and duration seeks to provide the investors reasonable returns without taking disproportionate risk.
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
NAV, or Net Asset Value, is the per-unit price of a mutual fund. It is calculated by dividing the total value of the fund’s assets minus its liabilities by the number of outstanding units. NAV changes daily based on the performance of the underlying investments, and it serves as the basis for buying or selling fund units.
Debt funds invest in fixed-income instruments like government securities, corporate bonds, and money market instruments. They are relatively less volatile compared to equity funds and may be suitable for investors looking for steady income or capital preservation. However, they are not risk-free, as they are still influenced by interest rate changes and credit risks.
Yes, in addition to SIPs, you can make a lump sum investment in a mutual fund. This can be suitable if you have surplus funds that you want to deploy at once. However, since market conditions influence returns, some investors prefer spreading investments over time through SIPs to reduce the impact of volatility.
Debt funds are relatively less volatile than equity funds but still carry certain risks. They may be affected by interest rate movements, which influence bond prices, and by credit risk if the issuer of a bond fails to meet obligations. While suitable for moderate risk profiles, they are not entirely risk-free.
Most mutual funds, especially open-ended ones, do not have lock-in periods and allow withdrawals at any time. However, tax-saving funds like Equity Linked Savings Schemes (ELSS) have a mandatory three-year lock-in. Close-ended funds also have fixed tenures during which redemption is not permitted.
Investing in mutual funds can be a convenient way to access market-linked growth opportunities and potentially build wealth in the long term.To start investing, you need to identify your risk tolerance level and investment horizon Based on this, you can decide your fund category.
A popular investment method for retail investors is the Systematic Investment Plan (SIP), where you invest a fixed amount at regular intervals (daily, weekly, monthly, quarterly etc). This encourages disciplined investing and can mitigate market timing risk. Alternatively, if you prefer to invest a large sum at one go, you can choose a lumpsum investment. Before investing, it may be helpful to use online tools like SIP calculators, lumpsum calculators, SWP calculators, and STP calculators to project potential returns and plan your investments with more clarity. Investing in mutual funds is easier than it seems. Here’s a simple step-by-step guide to get started:
First, identify what you’re investing for – retirement, your child’s education, or simply building wealth. Your goals will guide you toward the right type of mutual fund.
Ask yourself how much risk you are comfortable with. Some funds carry higher risk but may offer better returns, while others are safer but may grow slower.
Mutual funds come in different types – equity funds (invest in stocks), debt funds (invest in bonds), and hybrid funds (a mix of both). Choose one that suits your needs.
Compare funds by checking their past performance, expense ratios, and ratings. Reliable financial websites provide this information.
You can do this directly with a mutual fund company, through your bank, a distributor, or via online investment platforms. Many offer quick digital onboarding.
Choose whether you want to invest a fixed amount regularly through a Systematic Investment Plan (SIP) or invest a larger amount at once (lumpsum). You can make use of mutual fund calculators to determine the investment amount.
Submit your identity and address proof. This is usually a one-time, easy process that can be completed online.
Start your investment journey and review your fund’s performance regularly to ensure it stays aligned with your financial goals.
Call, chat or write to us if you
need investment help
Toll-free number
Write to us at
Investor WhatsApp channel
Share your details and our experts will guide you.
Need help planning your investments?
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.
