Claim Settlement Ratio of 99.23%~

Close Button Close Button
X
NRI Services Helpline

Calling FromPhone Number (Toll Free)
AUSTRALIA80037371371
CANADA
HONG KONG
ISRAEL
MALAYSIA
NEW ZEALAND
PHILIPPINES
SINGAPORE
THAILAND
UNITED KINGDOM
BRUNEI8014605
INDONESIA0018030160202
JORDAN080023194
OMAN80074363
TURKEY00800142030059
VIETNAM1800400070
UNITED STATES18339680951
Calling us from INDIA18002097272
Rest of the World+912067871700
(Call charges apply)

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER.

Bajaj Allianz Life – Focused 25 Fund

Bajaj Allianz Life – Focused 25 Fund will invest in up to 25 carefully selected stocks across market capitalizations, with a primary focus on large-cap companies.

Read more

By focusing on a concentrated portfolio, the fund aims to generate alpha while managing the inherent higher risk. The fund will be actively managed, ensuring timely decision-making to capitalize on market opportunities and navigate changing market conditions. Stock selection will be based on our well-defined investment philosophy and framework. It will help identify the best investment opportunities while effectively mitigating downside riskRead less

Uilp Plans
Invest Now
calender_icon
I agree and consent to the Terms & Conditions, Privacy Policy

^ ,1T&C Apply | BJAZ-WB-EC-07865/24

Customer rating
Rated by customers
Written ByPalak Bagadia
AboutPalak Bagadia
LinkedIn Icon
Palak Bagadia, Associate – Digital Marketing at Bajaj Allianz Life, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry.
Reviewed ByRituraj Singh
AboutRituraj Singh
LinkedIn Icon
Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Allianz Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 10th March 2025
Modified on: 10th March 2025
Reading Time: 10 Mins
Share

Overview

Bajaj Allianz Life ULIP products with underlying Bajaj Allianz Life – Focused 25 Fund, enables policyholders to achieve their life goals, powered by the security of a life cover and the opportunity for wealth creation.

Benchmark: Nifty 100 Index

SFIN No.: ULIF09606/02/25FOCUSED25F116

Bajaj Allianz Life- Equity Investment Strategy

 

Investment Philosophy

  • Focus on Growth at a Reasonable Price (GARP)
  • Long term orientation in our approach - We invest in a Business and not a “stock.”
  • Identify ideas wherein the business opportunity size is large

 

Research Backed Investments

  • We have a team of analysts who follow a bottom-up research process
  • We look for companies with strong Competitive Advantage Brand, Distribution reach, Cost Advantage and Barriers to Entry
  • Invest in companies with an acceptable level of corporate governance and competent management team

Mutual Fund Focused Category Weighted Average Return

Performance (in %) as on 31st Jan 2025
Index1Yr2Yrs3Yrs4Yrs5Yrs7Yrs10Yrs
Mutual Fund Focused Category - Weighted Average Return13.420.310.815.815.412.112.5
Nifty 1009.116.911.115.014.811.310.6
Nifty 508.215.410.714.614.511.410.3
Nifty 2009.319.012.516.616.011.811.1

 

  • Mutual Fund Focused Category Weighted Return outperformed other market cap large cap and Large & Mid Cap indices in most of the time periods.

 

IndexCY14CY15CY16CY17CY18CY19CY20CY21CY22CY23CY24
Mutual Fund Focused Category Weighted Average Return60.43.74.736.7-6.812.115.633.2-4.523.118.2
Nifty 10033.2-2.43.631.01.110.414.925.03.620.011.8
Nifty 5031.4-4.13.028.63.212.014.924.14.320.08.8
Nifty 20035.5-1.93.733.4-1.08.715.627.53.623.513.6
Source: - Morningstar Direct, BALIC Research. Past performance is not indicative of future performance.
  • Mutual Fund Focused Category (Weighted Average Return) has significantly outperformed the Nifty 100 index in 9 years out of the last 11 calendar years.
  • In the bull run, Index tend to outperform however during the bear market it fell significantly, suggests that inherently the focused category has high beta with respect to other market indices. High Risk-High Return proposition.

 

Risk - Focused vs Large Cap Mutual Fund Category

As on 31st Jan 2025
Mutual Fund CategoryStandard Deviation (Ri)Sharpe Ratio
1 Yr3 Yrs5 Yrs7 Yrs10 Yrs1 Yr3 Yrs5 Yrs7 Yrs10 Yrs
Focused13.4013.7118.9317.9217.100.430.530.630.440.43
Large-Cap11.7312.9117.9416.7115.680.320.490.600.430.38


Over the short, medium, and long term, the Focused mutual fund category has delivered superior risk-adjusted returns compared to the Large Cap category.

 

Risk- Return Positioning of Equity Fund Categories


Date Source: Morningstar Direct, BALIC Research

Note: - 10 Years period is taken for return (price return) & risk (standard deviation) as on 31st Jan 2025. Average daily standard deviation annualized

 

Why a Focused Fund

 

High-Conviction, Concentrated Portfolio

Invests in a select group of high-potential stocks, enabling a sharper focus on quality businesses with strong growth prospects.

Alpha Generation

 

A concentrated approach may help the fund to capitalize on high-conviction opportunities, aiming to deliver superior risk-adjusted returns.

 

Strong Stock Selection

 

Focuses on fundamentally strong companies with a robust earnings potential and competitive advantages, aiming for long-term wealth creation.

 

Multi-Cap Advantage

 

Offers diversification within the 25 stocks across market caps (Large, Mid, and Small Cap stocks), combining stability with the potential for higher returns.

 

Adaptive Investment Strategy

 

Provides flexibility to adjust allocations based on market trends, ensuring portfolio construction as per the market conditions.

 

Life Insurance Guide

  • Articles

  • Calculators

Close Button
Disclaimers:
Plus Symbol
Minus Symbol

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Allianz Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02[APHCaF1] [PBH2] [APHCaF3] [PBH4] ) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) are only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Focused 25 Fund is available with Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Allianz Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02) [APHCaF5] [PBH6] [APHCaF7] [PBH8] and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02)

In addition to the already existing funds, Focused 25 Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Focused 25 Fund.

Past performance is not indicative of future performance[APHCaF9] [PBH10]

 

Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error.

X
Terms & Conditions

I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

 

Please refer to BALIC Privacy Policy

X
Disclaimer

Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


X
Disclaimer

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Goal Assure II- A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN No.: 116L180V02) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

^Minimum premium mentioned is applicable for Bajaj Allianz Life Goal Assure II - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02)

1Loyalty Additions are payable only for premium of  ₹ 5 Lakhs & above and wherein the Policy term is 10 years & above.


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

 

Secure your life goals today

Buy ULIP

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER.


Secure your life goals today
Choice of 18 funds
Return of Mortality Charges at Maturity (ROMC)**
Buy ULIP

Disclaimer
BJAZ-OT-EC-08366/24

close
X
Disclaimer

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Goal Assure II- A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN No.: 116L180V02) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Bajaj Allianz Life Goal Assure II - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02)

**Return of Mortality Charges at Maturity (ROMC) is payable at maturity, provided all due premiums have been paid

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

close
Ask for an Agent
Sign up for personal visit and tailored advice from our expert agents