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  • Understanding iti mutual fund
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  • Conclusion

ITI Mutual Fund: Innovative Investment Strategies for Superior Returns

Discover how ITI Mutual Fund’s unique approach and expert strategies can guide you towards superior risk-adjusted returns and long-term financial success.

Your goals won’t wait, begin your SIP today with just Rs. 100 and start building your future

Published Jul 9, 2026 · 4 Min Read

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Article 1

ITI Mutual Fund’s innovative approach to investments is in place to allow the fund house in aiming to achieve superior risk-adjusted returns. The fund house offers a best-in-class investment experience which would ensure you as an investor that you could trust them and their unique products.

ITI Mutual Fund is an asset management company that provides thoughtful and investor-centric investment solutions, alongside robust investment management as well as research expertise. This would allow you to pursue your financial goals with a lot of confidence, and a set of fresh ideas and thoughts.

What is ITI Mutual Fund

ITI Mutual Fund aims to provide high-quality investment solutions to you as an investor who is looking for long term wealth creation. ITI Mutual Fund has a team of brilliant minds in equity research, investment management, and credit research spaces which enabled the fund house to follow an unique approach of investment philosophy, and to implement well-planned investment strategies that would help you achieve your goals.

In this article, we will try to understand how the agility and a fresh perspective of the ITI Mutual Fund can aid you in investing in mutual funds in an economy that is rapidly evolving.

Key takeaways

  • ITI Mutual Fund is known for its robust invest strategies, a team of brilliant minds, and an unique investment philosophy.
  • The stock selection at ITI Mutual Fund is based on the SQL philosophy.
  • The fund house utilises macro trends instead of simply predicting events at random.

Is ITI Mutual Fund different from other funds

When George Heber Joseph, the CEO & CIO of the ITI Mutual Fund had been asked if this fund was going to be any different from other funds in the market, he emphasised on two factors which would be the basis of the ITI Mutual Fund being different:

Based on the construction of portfolio

The asset allocation method has been structured by keeping in mind the market valuation cycle, the earnings growth, the business cycle, and the interest and liquidity rates in order to minimise the fund manager’s biases.

Using this methodology, the fund manager invests money in small caps, mid caps, and large caps. The percentage of allocation to a large cap can be anywhere between 40 to 100 percent. Going ahead with this strategy increases the likelihood of risk reduction when the markets are overvalued.

Stock selection based on 'SQL Philosophy' which is nothing but margin of safety

Followers of this philosophy have developed a universe of 'core' stocks, which are just stocks that enjoy a significant competitive advantage in their respective industries.

At all times, at least 75 percent of the portfolio would be invested in 'core' stocks. This thus enables a diversified quality stock portfolio to deliver over market and business cycles, resulting in long-term wealth creation.

Investment philosophy

Here are some of the key parameters and variables that the fund house is known for employing while it chooses stocks and sectors, as stated by Mr. George Joseph in an interview a few years ago:

  • The core philosophy of the fund house is majorly influenced by Mr. Charlie Munger and Mr. Howard Marks.
  • The fund aims to think of long term investing, and utilise short term volatility for accumulation of stocks.
  • There is a minimum 13% cutoff on the ROEs of all the core holdings that the fund house has.
  • The fund house aims to buy businesses with low leverages and good track records of management and promoters.
  • The fund house uses macro trends to help you prepare yourself, and does not simply predict events.

Build your wealth with SIP

Conclusion

Being able to focus clearly and having an investment methodology, coupled with a robust research team with considerable experience, a rich and experienced promoter, and the growth in the asset management business, makes it a very good opportunity for ITI Mutual Fund to gain a significant place in the next few years. The AMC believes that India can very easily reach $8 trillion within the next decade, which in fact will help the potential financial asset class the most.

The mutual fund calculator on the Bajaj Finance Mutual Fund Platform would further help you compare mutual funds, and choose an option that is best suited for you. The platform has over 1,000 mutual funds schemes that you can choose from.

Types of Mutual Funds

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Frequently asked questions

What are some of the schemes of the ITI Mutual Fund?

Some of the schemes under the ITI Mutual Fund include the ITI Banking and PSU Fund, the ITI Dynamic Bond Fund, and the ITI Overnight Fund.

Are ITI Mutual Fund schemes risky?

The schemes under the ITI Mutual Fund come with the inherent market risks.

Why is the ITI Multicap Fund a Flexi Cap fund?

ITI Multicap Fund had been designed as a 'Flexi Cap' fund, wherein the fund manager has the discretion to move across market capitalisation categories.

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Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form.

(ii) carry customized/personalized suitability assessment.

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure
: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.

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