Bajaj Finserv Consumption Fund vs Bajaj Finserv Small Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bajaj Finserv Consumption Fund is a Thematic fund and Bajaj Finserv Small Cap Fund is a Small Cap fund. In the year to 30-10-2026, Bajaj Finserv Consumption Fund (Direct) returned −10.2% and Bajaj Finserv Small Cap Fund (Direct) returned 7.8%. Bajaj Finserv Consumption Fund charges 1.23% a year and Bajaj Finserv Small Cap Fund 0.98% (Direct plans). Their portfolios overlap 21.7%: they hold 21 of the same securities.
Bajaj Finserv Consumption Fund
Thematic
- 1 year return
- −10.2%
- Expense ratio
- 1.23%
- NAV
- ₹9.07
Bajaj Finserv Small Cap Fund
Small Cap
- 1 year return
- 7.8%
- Expense ratio
- 0.98%
- NAV
- ₹10.67
Which is better, Bajaj Finserv Consumption or Bajaj Finserv Small Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bajaj Finserv Small Cap returned more over 1 year: 7.8% against −10.2%.
- Bajaj Finserv Small Cap costs less: 0.98% a year against 1.23% (Direct plans).
- Bajaj Finserv Small Cap fell less in its worst fall since 22-07-2025: −16.2% against −21.0%.
- Bajaj Finserv Consumption holds more in large companies: 43.6% of the fund in large caps against 0.0%.
- Bajaj Finserv Small Cap is the larger fund: ₹2,762 Cr against ₹565 Cr.
- Their portfolios overlap 21.7%: 21 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bajaj Finserv Consumption Fund | Bajaj Finserv Small Cap Fund |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | Bajaj Finserv Mutual Fund |
| Category | Thematic | Small Cap |
| AUM | ₹565 Cr (30-09-2026) | ₹2,762 Cr (30-09-2026) |
| NAV | ₹9.07 (Direct) | ₹10.67 (Direct) |
| Expense ratio (Direct) | 1.23% | 0.98% |
| Expense ratio (Regular) | 2.90% | 2.37% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | BSE 250 Smallcap TRI |
| Launch date | 29-11-2024 | 18-07-2025 |
| Minimum investment | ₹500 | ₹500 |
| Lock in | None | None |
| Fund managers | Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary | Nimesh Chandan, Sorbh Gupta, Siddharth Chaudhary |
| Exit load | Exit load of 1%, if redeemed within 3 months. | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 6 months. |
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | −1.54% | −5.86% | +0.43% | −10.22% | -- | -- | -- |
| Bajaj Finserv Small Cap Fund (Direct) | −5.33% | −1.45% | +6.02% | +7.76% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
| Small Cap average | −5.86% | −3.28% | +5.03% | +3.00% | -- | -- | -- |
Category average: the average of the 235 Thematic funds and the 36 Small Cap funds, same plan type.
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Year-wise Returns
| Year | ConsumptionBajaj Finserv Consumption | Small CapBajaj Finserv Small Cap |
|---|---|---|
| 2026to date | −5.39% | +10.57% |
| 2025 | −4.52% | -- |
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of Bajaj Finserv Consumption Fund
Rolling returns
Every 1-year holding period, 68 of them, one for each trading day from 22-07-2026 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bajaj Finserv Consumption Fund (Direct)
Bajaj Finserv Small Cap Fund (Direct)
Nifty India Consumption TRI
to
Jul 2026Aug 2025
to
Aug 2026Sept 2025
to
Sept 2026Sept 2025
to
Sept 2026Oct 2025
to
Oct 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption | 76.5 | 23.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −3.8% | −4.1% | −12.3% | 2.9% | 68% |
| Bajaj Finserv Small Cap | 0.0 | 0.0 | 14.7 | 20.6 | 50.0 | 14.7 | 0.0 | 16.0% | 16.8% | 6.7% | 23.0% | 100% |
| Nifty India Consumption TRI | 70.6 | 26.5 | 2.9 | 0.0 | 0.0 | 0.0 | 0.0 | −4.0% | −5.9% | −14.2% | 5.9% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty India Consumption TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 22-07-2025. Past returns do not promise future returns.
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-07-2025 to 30-10-2026: 16 instalments, ₹1,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bajaj Finserv ConsumptionBajaj Finserv Consumption Fund (Direct) | ₹1,60,000 | ₹1,55,044 | −₹4,956 | −4.4% |
| Bajaj Finserv Small CapBajaj Finserv Small Cap Fund (Direct) | ₹1,60,000 | ₹1,71,763 | ₹11,763 | 10.6% |
Bajaj Finserv ConsumptionBajaj Finserv Consumption Fund (Direct)
Bajaj Finserv Small CapBajaj Finserv Small Cap Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bajaj Finserv Consumption Fund (Direct) | Bajaj Finserv Small Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.22% | +7.76% |
| Standard deviation | 15.01% | 17.29% |
| Sharpe ratio | -1.03 | 0.15 |
| Sortino ratio | -1.35 | 0.20 |
| Maximum drawdown | −20.3% (23-03-2026) | −16.2% (23-03-2026) |
| Beta | 0.92 | 0.92 |
| Alpha | −0.87% | +12.10% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bajaj Finserv Consumption Fund (Direct) | Bajaj Finserv Small Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.47% | +5.26% |
| Standard deviation | 14.32% | 16.09% |
| Sharpe ratio | -0.77 | -0.00 |
| Sortino ratio | -1.03 | -0.00 |
| Maximum drawdown | −21.4% (23-03-2026) | −16.2% (23-03-2026) |
| Beta | 0.90 | 0.91 |
| Alpha | −4.94% | +10.08% |
From daily NAVs, 03-12-2024 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Bajaj Finserv Consumption Fund (Direct)
Bajaj Finserv Small Cap Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | −21.0% | 18-09-2025 | 23-03-2026 | Not yet | -- | −11.0% |
| Bajaj Finserv Small Cap Fund (Direct) | −16.2% | 03-11-2025 | 23-03-2026 | 27-04-2026 | 35 days | −7.8% |
| Nifty India Consumption TRI | −18.1% | 20-10-2025 | 30-03-2026 | Not yet | -- | −11.6% |
From daily values since 22-07-2025, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bajaj Finserv Consumption Fund (Direct)
Bajaj Finserv Small Cap Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | 82% | 89% | 5.28% |
| Bajaj Finserv Small Cap Fund (Direct) | 86% | 37% | 15.75% |
From month-end values since 22-07-2025. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Portfolio Overlap
From each fund's latest monthly portfolio: Bajaj Finserv Consumption Fund, September 2026; Bajaj Finserv Small Cap Fund, September 2026
Holdings in common
- Overlap
- 21.7%
- Held by both
- 21
- Only in Bajaj Finserv Consumption
- 33
- Only in Bajaj Finserv Small Cap
- 66
| Security | % of Bajaj Finserv Consumption | % of Bajaj Finserv Small Cap |
|---|---|---|
| Zydus Wellness Limited | 4.13% | 2.79% |
| Safari Industries (India) Limited | 2.75% | 2.04% |
| Sona BLW Precision Forgings Limited | 1.85% | 2.34% |
| Rentomojo Limited | 2.24% | 1.48% |
| Piramal Pharma Limited | 1.40% | 1.86% |
| PVR INOX Limited | 2.90% | 1.33% |
| Black Buck Ltd | 1.17% | 1.16% |
| K.P.R. Mill Limited | 1.11% | 1.59% |
| Senores Pharmaceuticals Limited | 1.94% | 1.10% |
| Devyani International Limited | 1.23% | 1.09% |
| Amber Enterprises India Limited | 0.98% | 1.00% |
| EID Parry India Limited | 0.95% | 1.24% |
| Aditya Birla Real Estate Limited | 1.78% | 0.93% |
| Whirlpool of India Limited | 0.75% | 1.18% |
| Cartrade Tech Limited | 0.80% | 0.71% |
| Thangamayil Jewellery Limited | 2.14% | 0.59% |
| Metro Brands Limited | 1.84% | 0.56% |
| Cera Sanitaryware Limited | 0.87% | 0.36% |
| Westlife Foodworld Limited | 0.28% | 0.69% |
| La Opala RG Limited | 0.26% | 0.16% |
| Century Plyboards (India) Limited | 1.25% | 0.08% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 21.7% means 21.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bajaj Finserv Consumption Fund
| Security | % of fund |
|---|---|
| Eternal Limited | 7.51% |
| Mahindra & Mahindra Limited | 4.86% |
| Bharti Airtel Limited | 4.67% |
| Bajaj Auto Limited | 3.83% |
| Hindustan Unilever Limited | 3.10% |
Largest holdings only in Bajaj Finserv Small Cap Fund
| Security | % of fund |
|---|---|
| Welspun Corp Limited | 4.04% |
| Rubicon Research Limited | 3.50% |
| CRISIL Limited | 2.92% |
| Schaeffler India Limited | 2.73% |
| Timken India Limited | 2.70% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bajaj Finserv Consumption | Bajaj Finserv Small Cap |
|---|---|---|
| Equity | 94.0% | 94.9% |
| Debt | 0.0% | 0.0% |
| Cash and others | 6.0% | 5.1% |
Market cap of stocks
| Market cap | Bajaj Finserv Consumption | Bajaj Finserv Small Cap |
|---|---|---|
| Large Cap | 43.6% | 0.0% |
| Mid Cap | 7.6% | 10.0% |
| Small Cap | 39.3% | 79.4% |
| Not on AMFI's list | 3.4% | 5.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Bajaj Finserv Consumption | Bajaj Finserv Small Cap |
|---|---|---|
| Consumer Durables | 22.2% | 6.0% |
| Retailing | 12.6% | 2.7% |
| Industrial Products | 0.0% | 12.6% |
| Automobiles | 11.2% | 0.3% |
| Pharmaceuticals & Biotechnology | 3.3% | 10.6% |
| Auto Components | 6.7% | 8.1% |
| Food Products | 6.5% | 4.0% |
| Banks | 0.0% | 5.6% |
| Electrical Equipment | 0.0% | 5.1% |
| Diversified FMCG | 5.0% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bajaj Finserv Consumption vs Bajaj Finserv Small Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bajaj Finserv Consumption Fund | Bajaj Finserv Small Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.23% | 0.98% |
| Base expense ratio (Direct) | 0.66% | 0.52% |
| Total expense ratio (Regular) | 2.90% | 2.37% |
| Base expense ratio (Regular) | 2.08% | 1.70% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Bajaj Finserv Consumption with
Bajaj Finserv Consumption Fund vs Bajaj Finserv Small Cap Fund: Frequently Asked Questions
What is the difference between Bajaj Finserv Consumption Fund and Bajaj Finserv Small Cap Fund?
Bajaj Finserv Consumption Fund is a Thematic fund, Bajaj Finserv Small Cap Fund is a Small Cap fund, run by Bajaj Finserv Mutual Fund. Their portfolios overlap 21.7%. Bajaj Finserv Consumption Fund charges 1.23% a year and Bajaj Finserv Small Cap Fund 0.98%.
Which has given higher returns, Bajaj Finserv Consumption Fund or Bajaj Finserv Small Cap Fund?
Over 1 year: Bajaj Finserv Consumption Fund −10.22%, Bajaj Finserv Small Cap Fund +7.76%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bajaj Finserv Consumption Fund or Bajaj Finserv Small Cap Fund?
Bajaj Finserv Small Cap Fund charges less: 0.98% a year against 1.23%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bajaj Finserv Consumption Fund and Bajaj Finserv Small Cap Fund overlap?
21.7%. They hold 21 of the same securities, the largest shared ones being ZYDUSWELL, SAFARI, SONACOMS. From each fund's latest monthly portfolio.
Which is riskier, Bajaj Finserv Consumption Fund or Bajaj Finserv Small Cap Fund?
On SEBI's riskometer, Bajaj Finserv Consumption Fund is rated Very High and Bajaj Finserv Small Cap Fund Very High. Over 1 years, the standard deviation of daily returns was 15.01% and 17.29% a year.
Can I invest in both Bajaj Finserv Consumption Fund and Bajaj Finserv Small Cap Fund?
Yes. 21.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bajaj Finserv Consumption Fund and Bajaj Finserv Small Cap Fund?
Bajaj Finserv Consumption Fund: Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary. Bajaj Finserv Small Cap Fund: Nimesh Chandan, Sorbh Gupta, Siddharth Chaudhary.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.