A recent study by Bajaj Finserv AMC states that Rajasthan’s mutual fund market continues to demonstrate robust growth. Rajasthan’s overall mutual fund market Average Assets Under Management (AAUM) witnessed a significant rise, from ₹1,01,416 crore in November 2024 to ₹1,24,117 crore in November 2025, a strong 22.38% growth2.
Specifically, from liquid mutual fund schemes, the AAUM rose from ₹4,307 crore in November 2024 to ₹5,672 crore in November 2025, a significant 31.7% year-on-year increase. This consistent rise underscores the growing preference among investors for low-risk, highly liquid investment options that offer better returns than traditional savings accounts*.
A key factor driving this shift is the clear return differential between liquid mutual funds and savings accounts. While most bank savings accounts typically offer returns between 2.5% and 4%, liquid funds yield around 6% to 7%**, allowing investors to potentially earn nearly double. Compared to traditional investments such as fixed deposits (FDs), liquid funds have no lock-in period and offer easy withdrawals with relatively higher post-tax returns.
A broader shift towards digital convenience is also shaping investor behaviour. As digital financial services become more widespread, tools that simplify mutual fund investing are gaining attention.
One such industry first innovation is Bajaj Finserv AMC’s Savings+, designed to help investors efficiently utilise surplus funds in their bank accounts through seamless, real-time transfers into designated mutual fund schemes such as Bajaj Finserv Liquid Fund and Bajaj Finserv Overnight Fund. These schemes offer enhanced liquidity and the potential for better returns compared to traditional savings accounts.
With features such as instant redemption of up to 90% of the invested amount or ₹50,000 (whichever is lower), and a fully digital, user-friendly interface, Savings+ is part of the broader trend towards smarter, tech-enabled money management, making it more convenient for a growing number of investors.
Commenting on the trend, Ganesh Mohan, Managing Director, Bajaj Finserv Asset Management said, “Many Indian households continue to rely on traditional savings instruments such as bank fixed deposits and savings accounts. While these options offer security, their real returns can be modest, after accounting for inflation and taxes. Liquid and overnight mutual funds present a compelling alternative for short-term savings, offering comparable risk profiles along with enhanced liquidity and the potential for better returns. In regions like Rajasthan, these funds are increasingly being recognized as effective solutions for parking surplus money. Further, digital innovations such as Savings+ facility have transformed the way investors manage their funds. This feature enables seamless transfers from bank accounts into mutual fund schemes and offers instant withdrawal options—up to ₹50,000 or 90% of the invested amount, whichever is lower. At Bajaj Finserv AMC, we remain committed to empowering investors with smarter, more convenient solutions for their financial goals”.