Bajaj Finserv offers a comprehensive and streamlined platform for mutual fund schemes, making it a compelling choice for both novice and seasoned investors.
Our platform centralises all your investment needs, enabling you to manage, analyse, and adjust your mutual fund investments efficiently from a single location. This integration simplifies the investment process, enhancing user experience and control over their financial portfolio.
Easily manage your investments with our easy-to-use platform, ensuring a hassle-free and smooth investing experience, accessible to all.
With Bajaj Finserv Platform, the entire process of investing in mutual funds is digitised. From opening an account to managing investments, every step can be conducted online, providing a convenient and paperless experience that meets the needs of today’s digital-first investors.
Manage your portfolio, know your investment value, and invest in multiple schemes on our platform in just a few clicks.
The platform boasts a broad selection of over 1000 mutual funds, providing a wide range of investment options across different fund types and asset classes. This diversity allows investors to spread their investments across various sectors and risk levels, potentially enhancing returns while mitigating risks.
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Watch this video to know more about the key features of our mutual funds
Mutual funds are managed by professional fund managers who have the expertise to analyse market trends and make informed investment decisions. This expert management can lead to better returns, especially for individual investors who may lack the time or expertise to manage their portfolios.
Seamlessly navigate funds, analyse trends, compare performance, and optimise your portfolio digitally. Start investing smartly today
Mutual funds are accessible to everyone as they often allow investors to start with as little as Rs. 100. This makes it easier for individuals to begin investing and building their portfolios early.
Mutual funds offer the convenience of easy redemption and flexibility to redeem their funds when needed.
The Association of Mutual Funds in India (AMFI) is committed to the growth of the Indian mutual fund industry along professional, ethical, and moral lines. It also works to raise and maintain standards in all areas with the goal of safeguarding and advancing the interests of mutual funds and the people who own their units.
All Mutual Funds are now colour coded as per the SEBI norms to indicate their level of risk. This makes the entire investing process clear and safe by assisting the investor in determining the level of risk associated with his investment.
Mutual funds generally offer high liquidity, allowing investors to easily convert their investments into cash, typically without significant loss of value.
Mutual funds have the potential to offer higher returns compared to traditional savings options, particularly over the long term. This is due to the potential for capital appreciation and income from the diversified assets within the fund.
By pooling money from many investors, mutual funds can invest in a diversified portfolio of assets, which helps to spread risk and reduce the impact of any single investment's poor performance.
The mutual fund industry is well-regulated by various financial authorities, like SEBI and AMFI ensuring a high standard of ethics and transparency in fund management.
Know how your money will grow over time
Mutual Fund Lumpsum / SIP calculator may provide potential investors an approximate estimate based on the investment duration entered / based on the maturity amount of the monthly SIP, purely on mathematical calculation of the projected annual return rate selected by investor. However, such calculation does not factor the actual performance by the Asset Management Company (AMC) and should not be treated as any advice or assurance about the actual return of investment. Hence, please note that the actual returns offered by a specific mutual fund scheme will vary depending on various factors including but not limited to actual performance, expense ratio, taxation, exit load (if any), etc.
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Understand the differences between SIP vs Lumpsum in mutual funds
Investing in mutual funds is a strategic decision that can be tailored to fit various financial goals and investment styles. Here are two common methods to invest in mutual funds.
A Systematic Investment Plan (SIP) allows investors to contribute a fixed amount of money regularly into a selected mutual fund. This method is favoured for its financial discipline, allowing for investment in smaller, manageable sums while benefiting from the power of compounding and rupee-cost averaging. SIPs are particularly appealing for long-term investors looking to build wealth gradually without the stress of timing the market. To learn more about SIP, read our detailed guide on "What is SIP?".
Investing a lump sum amount in a mutual fund is another approach where a significant amount is invested all at once. This method is suitable for investors who have a substantial amount of money ready to be invested and are confident about the market's prospects. Lump sum investments are advantageous during periods of low market valuations, potentially leading to substantial gains as markets recover.
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Learn all about the three main types of Mutual Funds
Equity mutual funds invest primarily in stocks and are categorised based on the market capitalisation of the companies they invest in, aiming for growth by capital appreciation.
Large cap funds primarily invest in companies with large market capitalisations that are generally industry leaders. They are known for stability and steady returns.
Mid cap funds primarily invest in companies with large market capitalisations that are generally industry leaders. They are known for stability and steady returns.
Small cap funds primarily invest in companies with large market capitalisations that are generally industry leaders. They are known for stability and steady returns.
Multi cap funds primarily invest in companies with large market capitalisations that are generally industry leaders. They are known for stability and steady returns.
Debt mutual funds invest in fixed-income securities such as Corporate and Government Bonds, corporate debt securities, and money market instruments etc. that offer capital appreciation. They are preferred by investors looking for lower risk compared to equity funds.
Invest in short-term debt instruments. Ideal for investors seeking liquidity with a low-risk appetite.
Focus on corporate debt securities. Generally, they offer higher returns than government securities, reflecting the higher risk.
Invest in securities with a one-day maturity, offering high liquidity with very low risk.
Liquid mutual funds primarily invest in debt and money market instruments with up to 91 days maturity, providing high liquidity and safety.
Hybrid funds combine equity and debt investments, offering a diversified investment option.
Primarily invest 65-80% in stocks and 20-35% in debt, targeting higher returns with moderated risk
These funds are mandated to distribute a minimum of 10% of their assets across at least three distinct asset classes. These funds typically combine equities, debt instruments, and an additional asset category such as gold or real estate.
Dynamic asset allocation funds employ an active investment strategy, adjusting their portfolio composition between 30% and 80% in equities and 20% to 70% in debt instruments.
Capitalise on the price differences in different markets, aiming for lower-risk returns.
When exploring how to choose a mutual fund, it is crucial to consider several key factors tailored to your individual financial needs and circumstances.
Align your mutual fund investments with specific financial objectives. Whether saving for retirement, education, or another goal, select funds that match your timeline and desired outcomes.
Understand all associated costs, including expense ratios and exit loads. These fees can impact the overall returns on your investments, so it's wise to evaluate TERs (Total Expense Ratio) of funds.
Choose a mutual fund that matches your risk tolerance. Equity funds may offer higher returns but come with increased volatility, whereas debt funds generally provide moderate returns. And offer lower risks as compared to equities.
Review the historical performance of the fund to gauge its reliability and potential for future returns. Remember, past performance is not indicative of future results but can offer insight into the fund manager's expertise.
Beginning to invest in mutual funds on platforms like Bajaj Finserv can be a straightforward process that opens up a range of investment opportunities.
Start by registering and setting up an investment account on the Bajaj Finserv platform.
Complete the Know Your Customer (KYC) process.
Review various mutual fund schemes available on the platform. Consider factors such as fund type, performance history, and management.
When deciding how to invest, think about whether a lumpsum or a Systematic Investment Plan (SIP) suits your financial goals and what you are comfortable investing. A lump sum is great if you have a large amount ready to invest, while a SIP allows you to invest smaller, regular amounts over time.
Once invested, regularly monitor the performance of your mutual funds. Adjust your investments as needed based on performance and changing financial goals.
Min. Investment
Rs. 1000.0
5 Year Returns
44.23%
Min. Investment
Rs. 1000.0
5 Year Returns
40.20%
Min. Investment
Rs. 100.0
5 Year Returns
38.04%
Min. Investment
Rs. 100.0
5 Year Returns
38.00%
Min. Investment
Rs. 500.0
5 Year Returns
36.86%
Min. Investment
Rs. 100.0
5 Year Returns
36.35%
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FD vs other investments: Compare Fixed Deposits, Stocks, Mutual Funds, and SIPs to choose the right investment option for you.
If you have just started investing, mutual funds help in managing your money by expert professionals, who provide expert guidance. They decide the sector, allocation of assets and final buying of securities.
By investing in mutual fund's direct plan, you can invest in a variety of mutual fund schemes without paying a fee or paying a broker.
You can now start investing with just Rs.100. Investors might also authorize a bank mandate to automate the SIP monthly investment.
Subject to any applicable lock-in periods, mutual fund investors have the convenience of investing and withdrawing on any given business day. Taxes on capital gains and loads are also applied to the redemption amount.
The Association of Mutual Funds in India (AMFI) is committed to the growth of the Indian mutual fund industry along professional, ethical, and moral lines. It also works to raise and maintain standards in all areas with the goal of safeguarding and advancing the interests of mutual funds and the people who own their units.
All Mutual Funds are now color coded as per the SEBI norms to indicate their level of risk. This makes the entire investing process clear and safe by assisting the investor in determining the level of risk associated with his investment.
A mutual fund is a financial entity that collects funds from multiple investors and allocates them across various assets, including stocks, bonds, and short-term securities. The collection of these investments forms the fund’s portfolio. When individuals invest in a mutual fund, they purchase shares, which signify their proportional ownership in the fund and entitlement to any returns it generates.
Mutual funds collect money from several investors and invest it in various assets like stocks, bonds, or other securities.
To buy a mutual fund in India, you need to complete KYC procedures with an AMC or through platforms like the Bajaj Finserv Platform, then choose a fund, and make an investment either online or offline.
Mutual funds provide an easy and accessible way to grow wealth, even with a minimal investment. With as little as Rs. 100 per month, you can start investing and benefit from market growth over time. If you have limited funds but still want to take advantage of potential market upswings, mutual funds offer a smart and affordable investment option.
A 5-star mutual fund is a top-rated fund categorised by rating agencies like Value Research, based on performance, risk management, and returns relative to their peers.
Mutual funds that have historically given 30% returns are typically high-risk equity funds. However, past performance is not indicative of future results.
Yes, you can start investing in mutual funds with as little as Rs. 1,000, with many funds offering SIP options at this investment level.
Absolutely, SIPs in mutual funds can start as low as Rs. 500 per month, making it a flexible option for regular investing.
Investing Rs. 30,000 per month in a SIP for 5 years can build a substantial corpus, influenced by the fund's performance and market conditions. Using a SIP calculator can help estimate the returns.
Selecting the best mutual fund for 2024 would depend on upcoming market trends, fund performance, and economic conditions. Financial advisors and investment platforms usually provide yearly forecasts and recommendations.
Historically, equity mutual funds have offered the highest returns among mutual fund categories, However, they also carry higher risk.
Yes, mutual funds are a great investment option for both beginners and experienced investors. They offer diversification, professional management, and flexibility. Depending on the fund type, they can provide stable returns, long-term growth, or passive income. However, returns are subject to market risks, so choosing funds based on your financial goals is important.
There is no fixed SIP that guarantees a 40% return, as mutual fund returns depend on market performance. Equity mutual funds, particularly small-cap and sectoral funds, have delivered such returns in bullish markets. However, these high returns come with higher risk. It is crucial to analyse historical performance and invest based on risk tolerance and long-term goals.
Yes, mutual fund units can generally be sold anytime. In open-ended funds, you can redeem your investment at the current Net Asset Value (NAV). However, some funds, like ELSS (Equity Linked Savings Scheme), have a lock-in period. Also, exit loads may apply if you sell within a specified time, affecting your overall returns.
Mutual fund investments are not entirely tax-free. Equity funds attract 10% tax on long-term capital gains (above Rs. 1 lakh) and 15% on short-term gains. Debt funds are taxed based on income tax slabs. However, ELSS funds offer tax benefits under Section 80C, allowing deductions of up to Rs. 1.5 lakh annually, making them a tax-efficient option.
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