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A New-Age Passive Strategy for Smarter Investing
Chandigarh: In a move to bring smart, data-driven investing to policyholders, Bajaj Allianz Life, one of India’s leading private life insurers, has launched a new fund offering under its Unit-Linked Insurance Plan (ULIP) portfolio — the Bajaj Allianz Life Nifty 500 Multifactor 50 Index Fund. The New Fund Offer (NFO) is open from 1st July to 14th July 2025, available exclusively through the company’s ULIP products.
This innovative fund aims to offer investors a dual benefit: long-term capital appreciation through equity market exposure and the protection of life insurance coverage — all in one powerful financial solution.
Why This Fund Stands Out: The Power of Factor Investing
The Bajaj Allianz Life Nifty 500 Multifactor 50 Index Fund is built on the concept of multifactor investing — a structured, rules-based approach that uses quantitative strategies to select stocks. The fund passively tracks the Nifty 500 Multifactor MQVLv 50 Index, which selects 50 stocks from the broader Nifty 500 universe using four key investment factors:
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Momentum: Focuses on stocks with strong recent performance over 6- and 12-month periods, adjusted for volatility.
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Quality: Identifies companies with strong fundamentals, based on Return on Equity (ROE), low debt levels (financial leverage), and consistent earnings.
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Value: Looks for attractively priced stocks based on valuation metrics like earnings-to-price, book-to-price, and dividend yield.
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Low Volatility: Favors stocks with stable price movements, measured through historical price fluctuations.
These four factors are widely recognized in global financial research for their ability to generate superior long-term returns when used in combination. The fund takes a systematic, passive approach to investing, avoiding emotional or subjective biases that often creep into active stock selection.
Addressing the Needs of Today’s Investor
As India’s financial markets evolve, more investors are moving away from traditional stock-picking models and towards quantitative, index-based investment strategies that offer transparency, discipline, and diversification. The launch of this fund reflects that trend.
“Today’s market environment is marked by volatility and uncertainty,” said Mr. Srinivas Rao Ravuri, Chief Investment Officer at Bajaj Allianz Life Insurance. “Our new multifactor index fund brings a disciplined, research-backed approach to equity investing. By combining the four proven factors of Momentum, Quality, Value, and Low Volatility, we’re offering a smart way to participate in equity markets, especially for investors seeking long-term growth through ULIPs.”
Designed for Long-Term Wealth Creation with Life Cover
The Bajaj Allianz Life Nifty 500 Multifactor 50 Index Fund is being offered exclusively within ULIP products, which means investors also benefit from the protection of a life insurance cover — making it a comprehensive financial planning tool.
With tax-efficient investing, automatic fund switching options, and the flexibility to allocate across debt and equity funds, ULIPs are increasingly seen as a versatile solution for long-term goals like retirement, child education, or wealth accumulation.
This fund is best suited for investors with high-risk appetite, looking for systematic exposure to diversified Indian equities, and committed to a long-term investment horizon.
Key Highlights of the Fund
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Fund Name: Bajaj Allianz Life Nifty 500 Multifactor 50 Index Fund
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Type: Passive equity fund under ULIP
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NFO Period: 1st July to 14th July 2025
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Index Tracked: Nifty 500 Multifactor MQVLv 50 Index
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Number of Stocks: 50
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Stock Selection Method: Factor-based screening (MQVLv – Momentum, Quality, Value, Low Volatility)
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Target Audience: ULIP policyholders with high-risk tolerance and long-term investment goals
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Benefits: Life cover + market-linked returns + tax advantages under ULIP framework
A Step Towards Smarter Investing
The launch of this fund marks a significant evolution in India’s ULIP market, moving toward more data-backed and globally aligned investing approaches. It also reflects Bajaj Allianz Life’s commitment to bringing innovative solutions to its customers that combine financial protection with modern wealth-building tools.
By aligning insurance with sophisticated index investing, the company empowers investors to stay invested through market cycles without relying on constant monitoring or active decision-making.
Conclusion: A Timely Opportunity for Forward-Looking Investors
With the New Fund Offer (NFO) window open till 14th July 2025, Bajaj Allianz Life is inviting its ULIP customers — both new and existing — to seize this opportunity to participate in a scientifically constructed, rules-based equity fund, backed by the assurance of life insurance.
As more investors seek smarter, cost-effective, and behaviorally sound ways to invest, this multifactor index fund could become a preferred choice in long-term financial planning.
To know more or invest, customers can reach out to their Bajaj Allianz Life advisors or visit the nearest branch.
