{"id":224757,"date":"2026-08-31T16:30:56","date_gmt":"2026-08-31T11:00:56","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/"},"modified":"2026-08-31T16:30:56","modified_gmt":"2026-08-31T11:00:56","slug":"bajaj-finserv-consumption-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/","title":{"rendered":"Bajaj Finserv Consumption Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-consumption-fund-g-direct-plan\">Bajaj Finserv Consumption Fund Direct Growth Plan<\/a> currently has a NAV of \u20b99.727 as of 28 August 2026, with scheme AUM of \u20b9619 Cr. Its 1-year, 3-year and 5-year returns are 0.11%, 0% and 0%, and the fund sits in the High Risk category.<\/p>\n<p>Our view is that this is a consumption-oriented equity fund with an early track record, so the present return profile matters more for signal than for history. The portfolio has meaningful small-cap exposure alongside a sizeable large-cap base, which can support higher upside participation but also adds more movement than a plain large-cap style.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bajaj_Finserv_Consumption\" title=\"Should you BUY or HOLD Bajaj Finserv Consumption?\">Should you BUY or HOLD Bajaj Finserv Consumption?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Bajaj_Finserv_Consumption_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Bajaj Finserv Consumption Fund Direct Growth Plan?\">What is the current NAV of Bajaj Finserv Consumption Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#How_has_the_fund_performed_versus_the_benchmark\" title=\"How has the fund performed versus the benchmark?\">How has the fund performed versus the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_funds_on_returns\" title=\"How does it compare with peer funds on returns?\">How does it compare with peer funds on returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#What_are_the_risk_profile_portfolio_mix_and_exit_load\" title=\"What are the risk profile, portfolio mix and exit load?\">What are the risk profile, portfolio mix and exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finserv-consumption-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b99.727<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9619 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.72%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>29 November 2024<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>1% if units are sold within 3 months; nil after 3 months<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Sayan Das Sharma, Kishore Agarwal and Siddharth Chaudhary.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.9%<\/td>\n<td>-0.85%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>9.85%<\/td>\n<td>3.39%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>0.11%<\/td>\n<td>-2.29%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is better than the benchmark at every available point, but the spread is uneven. The 1-month figure is modestly positive while the benchmark was negative, and the 3-month return is notably stronger than the index over the same stretch.<\/p>\n<p>That said, the 1-year return is only slightly positive, which tells us the fund has not yet built a long runway of strong compounding. For a fund launched in late 2024, the short record makes the return pattern more sensitive to recent sector moves and stock selection than to a mature multi-cycle track record.<\/p>\n<p>The daily movement pattern also looks choppy rather than smooth. There are clear periods of drift, recovery and pullback, which fits a High Risk equity fund that is trying to express a consumption theme across both large and smaller companies.<\/p>\n<p>In our view, the key takeaway is that the fund has shown better near-term resilience than the benchmark, but its longer-term evidence is still limited. Investors looking only at the latest stretch may see encouraging momentum, while those wanting a deeper record will find that the current history is still developing.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bajaj_Finserv_Consumption\"><\/span>Should you BUY or HOLD Bajaj Finserv Consumption?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bajaj Finserv Consumption? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bajaj-finserv-consumption-fund-g-direct-plan\">Bajaj Finserv Consumption Fund Direct Growth Plan<\/a><\/td>\n<td>0.11%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-strategic-metal-and-energy-equity-fof-g-direct-plan\">ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan<\/a><\/td>\n<td>74.6291%<\/td>\n<td>37.4093%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-automotive-opportunities-fund-g-direct-plan\">SBI Automotive Opportunities Fund Direct Growth Plan<\/a><\/td>\n<td>36.1787%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-mfg-equity-fund-g-direct-plan\">Aditya Birla SL Mfg. Equity Fund Direct Growth Plan<\/a><\/td>\n<td>31.2065%<\/td>\n<td>23.5399%<\/td>\n<td>17.0758%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-active-momentum-fund-g-direct-plan\">Motilal Oswal Active Momentum Fund Direct Growth Plan<\/a><\/td>\n<td>30.7865%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-healthcare-fund-g-direct-plan\">Kotak Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>29.7972%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The fund\u2019s 1-year return is far below the peer set shown here, while several peers have delivered much stronger recent gains. That gap matters because the fund is still young, so the short record is the clearest comparison point we have.<\/p>\n<p>On longer horizons, one peer has available 3-year and 5-year figures that are materially higher, while another has a strong 3-year record without 5-year data. Against that backdrop, this fund\u2019s lack of longer-history returns means the comparison currently leans more on limited near-term evidence than on a complete compounding record.<\/p>\n<p>That creates two different stories: the fund has recently held up better than the benchmark, but the peer set includes funds with much stronger return histories. For readers comparing theme exposure, the current fund looks more like an early-stage option than a fully proven compounding story.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The market-cap mix is 46.1% large cap, 9.15% mid cap, 39.3% small cap and 5.45% other. That is not a pure large-cap profile; the small-cap slice is substantial and can add more sensitivity to market mood and stock-specific moves.<\/p>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Allocation<\/th>\n<th>Top holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>FMCG<\/td>\n<td>22.73%<\/td>\n<td>HINDUSTAN UNILEVER LIMITED (4.22%), ZYDUS WELLNESS LIMITED (3.1%)<\/td>\n<\/tr>\n<tr>\n<td>AUTOMOBILE &amp; ANCILLARIES<\/td>\n<td>15.6%<\/td>\n<td>MAHINDRA &amp; MAHINDRA LIMITED (4.67%), MARUTI SUZUKI INDIA LIMITED (3.14%)<\/td>\n<\/tr>\n<tr>\n<td>RETAILING<\/td>\n<td>12.22%<\/td>\n<td>ETERNAL LIMITED (6.49%), TRENT LIMITED (2.47%)<\/td>\n<\/tr>\n<tr>\n<td>CONSUMER DURABLES<\/td>\n<td>7.13%<\/td>\n<td>WHIRLPOOL OF INDIA LIMITED (2.42%), ORIENT ELECTRIC LIMITED (1.35%)<\/td>\n<\/tr>\n<tr>\n<td>CONSTRUCTION MATERIALS<\/td>\n<td>4.56%<\/td>\n<td>KAJARIA CERAMICS LIMITED (1.64%), CENTURY PLYBOARDS (INDIA) LIMITED (1.61%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The sector spread is led by FMCG at 22.73%, which is clearly larger than any other named sector in the portfolio. Automobile &amp; Ancillaries at 15.6% and Retailing at 12.22% form the next layer, so the portfolio is not confined to one narrow consumption sub-theme.<\/p>\n<p>FMCG may have the greatest influence on portfolio behaviour because it is the largest sector weight and contains two meaningful holdings. At the same time, the sizeable Retailing and Automobile &amp; Ancillaries allocations could make returns more dependent on consumer spending trends across multiple parts of the economy.<\/p>\n<p>Overall, the mix suggests a balance between defensive consumer franchises and more cyclical consumption-linked ideas. The 39.3% small-cap exposure could increase variation in returns, while the 46.1% large-cap share may add some stability relative to a pure smaller-company portfolio.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who are comfortable with High Risk equity exposure and can tolerate near-term swings. The short return history is mixed: the fund has stayed ahead of the benchmark in the available periods, but the broader record is still limited.<\/p>\n<p>A longer horizon is important here because the fund is only a recent launch and its portfolio carries a meaningful small-cap tilt. Investors who want consumption theme exposure and can accept a bumpy path may find the style understandable, but they also need to accept that the evidence base is still building.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> 1% if units are sold within 3 months; nil after 3 months.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Bajaj_Finserv_Consumption_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Bajaj Finserv Consumption Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b99.727 as of 28 August 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is 0.11%, while the 3-year and 5-year returns are both 0% in the available record.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_versus_the_benchmark\"><\/span>How has the fund performed versus the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has beaten the benchmark in all available periods: 1 month, 3 months and 1 year. The margin is strongest over 3 months, where the fund is well ahead of the benchmark.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_funds_on_returns\"><\/span>How does it compare with peer funds on returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is much lower than the peer returns listed here, while some peers also show stronger 3-year and 5-year records. The current fund still has a much shorter track record than several of those peer schemes.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_risk_profile_portfolio_mix_and_exit_load\"><\/span>What are the risk profile, portfolio mix and exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is marked High Risk. Its portfolio has 46.1% large cap, 9.15% mid cap and 39.3% small cap exposure, and the exit load is 1% if units are sold within 3 months, with nil exit load after 3 months.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finserv Consumption Fund Direct Growth Plan has shown better near-term behaviour than the benchmark, but its longer history is still too short to call it a proven compounding story. Peer comparisons also show that several comparable theme funds have stronger return histories. The portfolio combines a meaningful large-cap base with a sizeable small-cap sleeve, which can raise movement even within a consumption theme. In our view, it fits investors who want high-risk thematic equity exposure and can stay patient through uneven periods.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 31 August 2026 at 4:28 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bajaj Finserv Consumption Fund Direct Growth Plan\",\"identifier\":\"bajaj-finserv-consumption-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"29 Nov 2024\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":9.727,\"valueReference\":\"as of 28 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"619 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.72\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":0.1132},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bajaj Finserv Consumption Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b99.727 as of 28 August 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is 0.11%, while the 3-year and 5-year returns are both 0% in the available record.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has beaten the benchmark in all available periods: 1 month, 3 months and 1 year. The margin is strongest over 3 months, where the fund is well ahead of the benchmark.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is much lower than the peer returns listed here, while some peers also show stronger 3-year and 5-year records. The current fund still has a much shorter track record than several of those peer schemes.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"What are the risk profile, portfolio mix and exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is marked High Risk. Its portfolio has 46.1% large cap, 9.15% mid cap and 39.3% small cap exposure, and the exit load is 1% if units are sold within 3 months, with nil exit load after 3 months.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finserv Consumption Fund Direct Growth Plan has a NAV of \u20b99.727 as of 28 August 2026, scheme AUM of \u20b9619 Cr and a High Risk tag. Its 1-year return is 0.11%, ahead of the benchmark but with a still-developing track record.<\/p>\n","protected":false},"author":29,"featured_media":224756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224757","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["224756"],"rank_math_title":["Bajaj Finserv Consumption Fund NAV, Returns &amp; Review"],"rank_math_description":["Bajaj Finserv Consumption Fund Direct Growth Plan has a NAV of \u20b99.727 and a 1-year return of 0.11% as of 28 Aug 2026."],"rank_math_focus_keyword":["Bajaj Finserv Consumption Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/08\/Bajaj_Finserv_Consumption_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224757","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=224757"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224757\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/224756"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=224757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=224757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=224757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}