BAJAJ ASSET MANAGEMENT LIMITED.
BAJAJ ASSET MANAGEMENT LIMITED.
Start building wealth today with our diverse range of mutual funds designed for stability and long-term growth potential.
Your investment is spread across a mix of assets like equities, debt instruments, or a combination of both, helping reduce reliance on any single investment.
Your investments are handled by experienced fund managers who track markets and make informed decisions.
Begin with an amount you’re comfortable with and grow your investments over time.
Buy or redeem units easily at the prevailing NAV when you need access to your money.
Start by choosing a mutual fund that aligns with your financial goals and the future you want to build. Whether it’s equity for long-term growth, debt for stability, or a balanced mix of both, each option is designed to help your money grow with purpose.
You can begin with a Systematic Investment Plan to build wealth steadily over time or invest a lumpsum when you’re ready. With professional management, built-in diversification and easy tracking, mutual funds offer a disciplined way to potentially grow your wealth and move closer to your long-term financial goals.
A mutual fund is an investment vehicle that collects money from multiple investors. A professional fund manager invests that pool in assets such as shares, bonds, government securities or money-market instruments, depending on the scheme’s objective.
In return, investors receive units. The value of each unit is represented by the Net Asset Value, or NAV. As the value of the portfolio changes, the NAV can rise or fall. Costs, cash flows and distributions can also affect it.
Each scheme has its own mandate. Reading the objective and strategy matters because two funds in the same broad category can still take different approaches. For a deeper introduction, read what mutual funds are and how they work.
The structure is easier to follow as a sequence:
• You invest: Choose a scheme and invest through an SIP or a one-time payment.
• You receive units: Units are allotted at the applicable NAV, subject to cut-off timings and realisation of funds.
• The fund invests: The fund manager builds and manages the portfolio within the scheme’s stated mandate.
• The value changes: The scheme’s NAV reflects the per-unit value of its assets after liabilities and expenses.
• You can track or transact: Depending on the scheme terms, you may add investments, switch or redeem. Exit loads, lock-ins and taxes may apply.
Learn more about what NAV means before comparing funds. A lower NAV does not make one scheme cheaper or more suitable than another.
Mutual funds offer several ways to invest or manage money over time. The suitable route depends on your available funds, cash flow and financial goal.
Systematic Investment Plan
A Systematic Investment Plan, or SIP, allows you to invest a fixed amount at regular intervals. It can support disciplined investing and reduces the need to decide when to enter the market. An SIP does not assure returns or protect against losses.
One-time investment
A one-time investment allows you to invest a larger amount in a single transaction. It may be considered when you have surplus funds available, although the entire amount becomes exposed to market movements from the point of investment.
Systematic Transfer Plan
A Systematic Transfer Plan, or STP, periodically transfers money from one mutual fund scheme to another within the same fund house. It may help investors gradually move money between categories, subject to scheme availability, exit loads and tax implications.
Systematic Withdrawal Plan
A Systematic Withdrawal Plan, or SWP, enables scheduled withdrawals from an existing mutual fund investment. Each withdrawal involves the redemption of units, so the investment value may decline if withdrawals and market movements exceed the portfolio’s potential returns.
A mutual fund investment can make a diversified, professionally managed portfolio accessible without requiring the investor to select and monitor every security. The practical benefits include:
• Diversification: A scheme can spread money across several securities or asset types. This can reduce dependence on any one holding, although it cannot remove market risk.
• Professional management: The fund manager and research team select and monitor investments within the scheme mandate.
• Choice: Investors can choose from equity funds, debt funds, hybrid funds and index funds, depending on the type of exposure they need, their investment horizon and their comfort with risk.
• Flexible investment routes: Investors can use a sip investment for regular contributions or invest a larger amount at once.
• Transparency: AMCs publish NAVs, portfolios, costs and scheme documents so investors can review what they own.
• Access: Many open-ended schemes permit purchases and redemptions on business days, subject to applicable rules, exit loads or lock-ins.
These features do not make every scheme suitable for every investor. The useful question is not whether mutual funds are universally better, but which category and scheme fit the job your money needs to do.
Mutual funds may be considered by first-time and experienced investors, provided the chosen scheme matches their circumstances. They can be used by people who want to:
• invest regularly from monthly income through an SIP;
• put a one-time surplus to work;
• build exposure to equities, fixed income or a mix of assets;
• plan for a goal with a defined time horizon;
• access a portfolio managed within a stated investment framework; or
• hold liquid investments for short-term needs, using a suitable category.
Suitability depends on income stability, existing commitments, emergency savings, goal priority, time horizon, investment knowledge and the ability to tolerate losses. A scheme that suits one goal may be unsuitable for another.
Start with your requirement, not a return table:
Define the goal and time horizon
Identify what the money is for and when it may be needed. A near-term payment generally calls for a different risk approach from a goal that is many years away.
Match the risk
Review the scheme Riskometer and consider how much loss you can financially absorb and emotionally tolerate. A longer horizon may provide more time to recover from market declines, but it does not remove risk.
Understand the mandate
Check where the scheme can invest, how concentrated it may become, whether it is active or passive, and what could cause it to underperform. Sectoral and thematic funds, for example, carry concentration risk that broad-market funds may not have to the same degree.
Review costs and plan type
Look at the expense ratio and any exit load. Direct and Regular plans hold the same portfolio but have different expense structures because Regular plans include distributor-related costs.
Put performance in context
Past mutual fund returns can show how a scheme behaved, but they do not predict future results. Compare performance across relevant periods and market conditions, alongside the benchmark, category, risk and consistency of the investment process.
Read the scheme documents
Review the Scheme Information Document, Key Information Memorandum, factsheet and portfolio disclosures. These explain the objective, risks, costs, load structure, benchmark and other scheme-specific terms.
Use the detailed guide on how to choose a suitable mutual fund for a fuller checklist.
You can invest in mutual funds online through the Bajaj AMC investor portal:
1. Open the investor portal and log in or create an account using your mobile number and PAN.
2. Complete or validate your KYC. KYC is mandatory for mutual fund investors.
3. Choose a scheme after reviewing its objective, Riskometer and scheme documents.
4. Select an SIP or one-time investment and enter the amount.
5. Add or confirm your bank details, complete the payment and review the transaction confirmation.
You may also invest through a registered mutual fund distributor, a SEBI-registered investment adviser or another authorised platform. The minimum amount and available transaction options vary by scheme.
Use calculators to test assumptions and compare scenarios. They can support planning, but they cannot predict market outcomes.
• SIP calculator: estimate the potential value of regular investments using an assumed rate of return.
• Lumpsum calculator: explore how a one-time amount may change over a selected period.
• CAGR calculator: calculate the annualised growth rate between a beginning and ending value.
• SWP calculator: test withdrawal amounts and durations against an assumed return.
• Mutual fund returns calculator: compare potential outcomes for SIP and one-time investments.
The calculator is an aid, not a prediction tool. It may provide only an indicative picture. The figures shown are for illustrative purposes only.
Equity mutual funds
Invest primarily in shares of listed companies and are suited for long-term investing.
Debt mutual funds
Invest in fixed-income instruments such as government securities and bonds.
Hybrid mutual funds
Combine equity and debt investments to offer a balanced investment approach.
Other categories
Include life cycle funds, index funds, and exchange-traded funds (ETFs).
Your outcome depends on whether ₹10,000 is invested once or regularly, the scheme selected, the holding period, costs and market performance. A one-time ₹10,000 investment buys units at the applicable NAV. Its value can rise or fall after that. Use the relevant calculator to test assumptions, then review the scheme’s risk and investment horizon.
Yes. Eligible investors can complete KYC, create an account and invest online through an AMC portal or another authorised platform. Requirements can vary by investor type and KYC status.
You would contribute ₹1.8 lakh over 60 months. The final value cannot be known in advance because mutual fund returns are market-linked. For illustration, a 10% annual return assumption with contributions at the beginning of each month gives an estimated value of about ₹2.34 lakh. The actual value may be higher or lower.
The figures shown are for illustrative purpose only
Units of most open-ended schemes can generally be redeemed on business days. Exceptions and conditions apply. ELSS units have a three-year lock-in from the date of each investment, while some schemes may have other restrictions. An exit load may apply if you redeem within a specified period. Check the scheme documents before investing.
Mutual funds have the potential to generate positive returns, but profit is not assured. The value can also decline. The outcome depends on the assets held, market conditions, costs and the length of time you stay invested.
Yes. Capital gains and income distributions can be taxable. The treatment depends on the scheme’s tax classification, the date of investment and redemption, holding period, investor status and prevailing law. Refer to current tax guidance or consult a qualified tax professional for your circumstances.
Tax information is based on prevailing laws at the time of publishing and is subject to change. Please consult a tax professional or refer to the latest regulations for up-to-date information.
You can invest a larger amount once, contribute regularly through an SIP, or use a combination of both. Existing investors may also use facilities such as STP or SWP where available. Each serves a different cash-flow purpose and does not assure a particular outcome.
Open the Bajaj AMC investor portal, enter your mobile number and PAN, complete the required verification and KYC steps, select a scheme, add your bank and investment details, and confirm the transaction. If your KYC needs attention, the portal may ask for additional information or documents.
You can usually redeem units of an open-ended scheme after one month, but scheme-specific conditions matter. Check for exit load, lock-in, applicable NAV rules and tax implications. ELSS investments cannot be redeemed before their three-year lock-in ends.
They may be, if a scheme’s objective, risk level and time horizon align with your needs. Consider your emergency savings, debt, dependants, expected cash flows and ability to tolerate losses before investing. If you need a personalised recommendation, consider consulting a SEBI-registered investment adviser.
The online application can be started in a few steps, but the total time depends on KYC status, verification, bank validation, payment processing and whether additional documents are required.
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The calculator alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj Finserv AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
Need help planning your investments?
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.
