Every investor faces the same question at some point: Should I invest now or wait for the market to correct? While it’s impossible to predict market movements, choosing the right investment strategy can make a bigger difference than trying to time the market.
One such strategy is value investing. Instead of chasing stocks that are already expensive, value investing focuses on companies that are fundamentally strong but available at attractive valuations. For investors with a long-term outlook, this disciplined may provide an opportunity to participate in equity markets across different market cycles.
If you’re looking to adopt this investment style, the Bajaj Life Nifty 200 Value 30 Index Fund, available through its New Fund Offer (NFO) from July 14, 2026 to July 27, 2026, offers an opportunity to invest in a value-focused strategy while enjoying the added benefit of life insurance through a ULIP.
Understanding value investing made simple
Think of value investing like shopping during a sale. When you find a quality product at a reasonable price, you’re getting better value for your money. The same principle applies to investing.
Instead of selecting companies based only on recent popularity or price momentum, value investing identifies businesses that may be trading below their intrinsic worth.
The Nifty 200 Value 30 Index follows this philosophy by selecting 30 companies from the broader Nifty 200 universe using a disciplined selection process.
Companies are evaluated using key financial measures such as:
- Book Value-to-Price ratio
- Earnings-to-Price ratio
- Sales-to-Price ratio
- Dividend Yield
These indicators help identify companies that combine attractive valuations with sound financial fundamentals.
Why does this index stand out?
The Nifty 200 Value 30 Index is designed to provide focused exposure without compromising on quality.
Here’s what makes it different:
- Concentrated portfolio: Invests in 30 carefully selected value stocks instead of a broad basket.
- Quality-driven selection: Companies are screened for profitability and capital efficiency along with attractive valuations.
- Large and mid-cap exposure: Investors benefit from the stability of established businesses and the growth potential of promising mid-sized companies. As of 30 June 2026, the index had an approximate 80% allocation to large-cap companies and 20% to mid-cap companies, providing investors with the potential stability of established businesses while participating in the growth opportunities offered by select mid-cap companies.
- Diversified sector allocation: Exposure across multiple industries helps reduce concentration risk.
- Regular rebalancing: The index is periodically reviewed to ensure it continues to capture attractive value opportunities.
What does history tell us?
While market performance is never guaranteed, historical trends highlight the strength of a disciplined value strategy.
Historically, the Nifty 200 Value 30 Index has outperformed its parent Nifty 200 Index over longer investment horizons. As of 30 June 2026, the index delivered a 16% CAGR over the last 10 years, compared with 12% CAGR for the Nifty 200 Index. Past performance is not indicative of future returns.
Historical data also indicates that the index has delivered favourable risk-adjusted performance over longer investment horizons, reflecting the benefits of a disciplined value-investing approach.
This long-term outperformance reflects how value investing has rewarded patient investors across different market environments.
More than an investment opportunity
The Bajaj Life Nifty 200 Value 30 Index Fund combines this investment approach with the protection benefits of a ULIP.
During the NFO period, investors can also avail:
- Units are proposed to be offered at an initial NAV of ₹10* during the NFO period, subject to policy issuance and applicable terms and conditions. 0% GST^ during the offer period*
- Potential Zero LTCG Tax^^^ for eligible ULIPs under prevailing tax laws
- 10X life cover#, helping provide financial security to your loved ones while you stay invested
Historical benchmarking index performance reference of up to 32.7% CAGR^^ (as on 30 June 2026). Such past performance is not indicative of future returns.
This makes it suitable for investors who want their financial plan to work towards both wealth creation and family protection.
A disciplined strategy for long-term goals
Building wealth is rarely about finding the next market winner. More often, it comes from following a consistent investment approach and staying invested through market cycles.
The Bajaj Life Nifty 200 Value 30 Index Fund offers investors an opportunity to participate in a value-focused investment strategy backed by a transparent index methodology. Combined with the insurance benefits of a ULIP, it can be a meaningful addition for those planning their long-term financial future.
With the New Fund Offer open from July 14, 2026 to July 27, 2026, investors can enter the fund at an Rs. 10 NAV* and take advantage of the limited-period launch benefits while beginning their long-term investment journey.
Disclaimers:
10 NAV*- *Not available if policy issued after 27th July 2026
0% GST^ on ULIPs- As per Government of India Notification No. 16/2025, GST is not applicable on individual life insurance policies effective 22 September 2025.
32.7% CAGR Returns^^- As on 30th June 2026, past 6 year CAGR returns of the Benchmark- Nifty 200 Value 30 Index. Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error. Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.
Zero LTCG Tax^^^ – Subject to Section 11 (read with Schedule II, Sr.No.2) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs and sum assured is 10x of annual premium. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.
10X Life Cover#– Source: https://economictimes.indiatimes.com/wealth/insure/life-insurance/the-life-insurance-rule-how-much-money-will-your-family-need-if-your-income-stops/articleshow/110958997.cms?from=mdr. Subject to availability in Bajaj Life ULIPs. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.
Disclaimer: T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Axis Max Life Insurance Limited (formerly known as Max Life Insurance Company Limited.), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. UIN No. BFL/Advt./25-26/1044
