February 4, 2026
RA Jainee
Bajaj Finserv Low Duration Fund – Direct | Growth
📌 Fund Snapshot & Key Details
| Particulars | Details |
|---|---|
| Fund House | Bajaj Finserv Mutual Fund |
| Scheme Type | Open-ended |
| Category | Debt: Low Duration |
| Benchmark | NIFTY Low Duration Debt Index A-I |
| NFO Opens | 09 February 2026 |
| NFO Closes | 16 February 2026 |
| Plan / Option | Growth, IDCW |
| Minimum Investment (Rs.) | 5000 |
| Exit Load | 0 |
| Lock-in Period | NA |
| Riskometer | Moderate |
| Registrar | KFin Technologies Ltd. |
⚖️ Sahifund NFO Review
PLUS
• Low duration strategy limits interest-rate sensitivity
• Benchmark yields around ~7% provide visibility in a high-rate environment
• Suitable alternative to savings / liquid funds for short-term parking
• No exit load enhances liquidity flexibility
• Experienced fixed-income fund management team
MINUS
• Return potential capped compared to longer duration debt funds
• Sensitive to credit selection despite “low duration” tag
• Not designed for long-term wealth creation
• Performance largely tracks interest-rate cycle, not alpha
• Higher minimum investment (Rs. 5000)
Sahifund View (Decisive Line)
A stable, short-term income solution suited for conservative investors looking to park surplus funds with controlled risk.
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⏱️ Last Updated: 6 February 2026, 10.00 AM
📊 Sahifund Interpretation of the Benchmark
NIFTY Low Duration Debt Index A-I
The NIFTY Low Duration Debt Index A-I is constructed as per SEBI’s Potential Risk Class (PRC) framework, with Macaulay duration maintained between 6–12 months and high-quality credit exposure. The index is rebalanced monthly.
Benchmark Behaviour Snapshot
• Average yield around 7.0%, reflecting current interest-rate conditions
• Very low duration risk (Avg. Macaulay Duration ~0.55 years)
• Stable return profile with limited volatility
• Designed to protect capital while generating modest accrual returns
Sahifund Insight:
This benchmark prioritises capital preservation and income stability over aggressive returns.
🧠 Investment Strategy – Explained Simply
The scheme invests in debt and money-market instruments while maintaining a low duration profile. By keeping maturity short, it aims to reduce volatility while balancing yield and liquidity.
In simple terms:
➡️ A parking fund for money you may need in 6–12 months, with better potential than savings accounts.
👤 Sahifund Interpretation of Fund Managers & Their Performance
Nimesh Chandan
A seasoned fixed-income professional with experience across leading AMCs such as SBI MF, ICICI Prudential MF, Aditya Birla Sun Life and Canara Robeco. Known for strong credit evaluation and duration management.
Siddharth Chaudhary
Brings depth in money-market and short-term debt management from his experience at Sundaram MF and Indian Bank.
Sahifund Assessment:
The fund’s success will depend on credit discipline and duration control, areas where the management team has demonstrated experience.
🎯 Suitable for Which Investors?
Suitable if you:
• Have short-term surplus funds (6–12 months horizon)
• Seek stability with moderate returns
• Want an alternative to liquid or ultra-short-term funds
• Prefer low volatility over high returns
Avoid if you:
• Are aiming for long-term capital appreciation
• Can tolerate higher volatility for better returns
• Want equity-like upside
• Are investing for goals beyond 2–3 years
❓ Should You Invest in This NFO?
Yes, selectively.
Bajaj Finserv Low Duration Fund fits well as a short-term parking and income option in a rising or stable interest-rate environment. It should not be used as a long-term core holding.
Final Word:
A sensible debt fund for stability—returns may be modest, but risks are controlled.
⚠️ Disclaimer
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
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