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Bajaj Finserv ELSS Tax Saver Fund - Tax Benefits, Returns & Investment Options 2025

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Invest in Bajaj Finserv ELSS Tax Saver Fund for tax savings under Section 80C with 3-year lock-in. Fund launched Feb 2025 with AUM of Rs 60.56 crores. Get complete investment details.

Investment Objective and Approach

Bajaj Finserv ELSS Tax Saver Fund is an open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit. The scheme seeks to generate long term capital appreciation from a diversified portfolio of predominantly equity and equity related securities while offering deduction on such investment made in the scheme under Section 80C of the Income Tax Act, 1961.

ELSS primarily invests the major corpus of money (minimum 80% of the portfolio) in equities and equity-related securities. The fund follows a disciplined approach to equity investing, focusing on wealth creation while providing tax benefits to investors.

The fund offers flexibility in investment approaches:

- Systematic Investment Plan (SIP): Allows regular monthly investments with a minimum of Rs. 500

- Lumpsum investment: One-time investment starting from Rs. 500

- Lumpsum: Rs. 500/- and in multiples of Rs. 500/- thereafter.

- SIP: Rs. 500/- and in multiples of Rs. 500/- thereafter (minimum 6 instalments)

Fund Managers

The fund is managed by experienced professionals with extensive capital market experience:

Nimesh Chandan (Primary Fund Manager)

Nimesh chandan has over 23 years of experience in the Indian Capital Markets. He has spent 18 years in Fund Management- managing and advising domestic and international investors, retail as well as institutional. Prior to joining Bajaj Finserv Asset Management Ltd, he has worked with Canara Robeco Asset Management as Head of Investments, Equities (Domestic and Offshore). He has also worked with other asset management companies including Birla Sunlife Asset Management, SBI Asset Management, and ICICI Prudential Asset Management.

Siddharth Chaudhary (Co-Fund Manager)

Siddharth Chaudhary joined the Company in July 2022 as a Senior Fund Manager – Fixed Income. Prior to this, he was associated with Sundaram Asset Management Co. Ltd from April 2019 - July 2022 as Head Fixed Income – Institutional Business. From April 2017 – March 2019, he served as a Senior Fund Manager – Fixed Income, and from August 2010 – March 2017 as a Fund Manager – Fixed Income with Sundaram Asset Management Co.

Sorbh Gupta (Co-Fund Manager)

Mr. Gupta is a B.Com, CA and CFA. Prior to joining Bajaj Finserv Mutual Fund, he was associated with Quantum Mutual Fund, Siddhesh Capital Markets Pvt. Ltd. & Pranav Securities Pvt. Ltd. He has over 11 years of overall experience in the equity research.

About the Fund House (AMC)

Bajaj Finserv Asset Management Limited is a wholly-owned subsidiary of Bajaj Finserv Limited. The AMC offers a plethora of innovative products and investment schemes across fixed income, equity and hybrid categories, offering investors to diversify their portfolio.

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. At Bajaj Finserv AMC, we endeavour to combine the best of these edges by focusing on informational, analytical, and behavioral advantages to generate alpha for investors.

The AMC emphasizes a multi-faceted investment approach:

- Information Edge: Superior research and analysis of businesses and management

- Analytical Edge: Enhanced predictive models and quantitative analysis

- Behavioral Edge: Exploiting market mispricing due to behavioral factors

Bajaj Finserv Asset Management Limited has filed multiple schemes with the Securities and Exchange Board of India (SEBI) that includes the liquid fund, overnight fund, money market fund, flexi cap, arbitrage fund, balanced advantage fund, large and mid-cap fund, etc. With a future-focused and customer-first approach, Bajaj Finserv Asset Management Limited aims to enable everyone to meet their financial aspirations.

Should I Invest in Bajaj Finserv ELSS Tax Saver Fund?

The Bajaj Finserv ELSS Tax Saver Fund can be suitable for investors looking for:

Tax Planning Benefits

- Investments up to Rs. 1.5 lakh qualify for tax deductions under the Income Tax Act.

- Shortest lock-in period among tax-saving instruments at just 3 years

- ELSS mutual funds provides the shortest lock-in period as compared to other tax-saving investment alternatives. Unlike the 15-year minimum maturity period of options like PPF, these tax-saver fund schemes offer more liquidity.

Growth Potential

- ELSS mutual funds invest in diverse stocks/equity, causing their Net Asset Value (NAV) to fluctuate. Positive movements in the prices of these underlying securities can result in substantial returns for investors.

Fund Characteristics (as of available data)

- After being launched on 2025-02-03. Bajaj Finserv ELSS Tax Saver Fund - Regular (G) has achieved Rs 60.56 Crores worth of assets under management (AUM).

- This fund has an expense ratio of 1.37%.

- The latest NAV of Bajaj Finserv ELSS Tax Saver Fund - Regular (G) as of 23-07-2025 is 11.337.

Investment Considerations

ELSS funds are particularly well-suited for new investors. They provide an avenue to explore equity investing and mutual funds while enjoying the benefits of tax savings. The mandatory lock-in period encourages disciplined long-term investing, mitigating the risk of impulsive decisions based on short-term market fluctuations.

Risk Profile

Being an equity-oriented fund, it carries market risks typical of equity investments. The fund is suitable for investors with moderate to high risk appetite and a long-term investment horizon.

FAQs

What is today's NAV of Bajaj Finserv ELSS Tax Saver Fund?

The latest NAV of Bajaj Finserv ELSS Tax Saver Fund - Regular (G) as of 23-07-2025 is 11.337. The NAV changes daily based on market movements.

What is the AUM of Bajaj Finserv ELSS Tax Saver Fund?

Bajaj Finserv ELSS Tax Saver Fund - Regular (G) has achieved Rs 60.56 Crores worth of assets under management (AUM) as per the latest available data from February 2025.

What is the expense ratio of Bajaj Finserv ELSS Tax Saver Fund?

This fund has an expense ratio of 1.37%. This represents the annual fee charged for managing the fund.

What are the returns of Bajaj Finserv ELSS Tax Saver Fund since inception?

Since the fund was launched in February 2025, detailed historical returns data is not yet available. Being a new fund, performance track record is still developing.

What is the minimum SIP amount to invest in Bajaj Finserv ELSS Tax Saver Fund?

SIP: Rs. 500/- and in multiples of Rs. 500/- thereafter (minimum 6 instalments) is the minimum SIP amount required.

How do I invest in Bajaj Finserv ELSS Tax Saver Fund?

You can invest through Allvest platform or directly with Bajaj Finserv AMC. Both SIP and lumpsum options are available with a minimum investment of Rs. 500.

How to start a SIP in Bajaj Finserv ELSS Tax Saver Fund?

Register with Allvest, complete KYC formalities, choose the SIP amount (minimum Rs. 500), select investment date, and set up auto-debit instructions for seamless monthly investments.

How do I automate an SIP in Bajaj Finserv ELSS Tax Saver Fund?

Through Allvest platform, set up auto-debit mandate with your bank account. This enables automatic monthly deductions for your SIP without manual intervention.

How can I withdraw/redeem my investment in Bajaj Finserv ELSS Tax Saver Fund?

ELSS funds have a mandatory 3-year lock-in period. Post lock-in completion, you can redeem through Allvest platform or directly with the fund house by submitting redemption request.