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

Bajaj Life India Consumption Fund

Fund Specific Summary

Investment Objective-The fund seeks to achieve long-term capital appreciation by investing in a diversified portfolio of equity and equity-related instruments of companies operating in consumption and allied sectors.
Benchmark Index- Nifty India Consumption Index
Risk Classification-Very High Risk

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER.
Premium starting from Rs. 3,000/month^{^}

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Life Cover

Return of mortality charges at maturity

ULIP Fund Returns Up to 26.8%*

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Asset Allocation

1. Equity & Equity related instruments- 65%-100%

2. Cash, Bank Deposits, Liquid Mutual Funds and Money Market Instruments- 0%-35%

Note: Bajaj Life India Consumption Fund will be available along with its Bajaj Life ULIP Products.

Bajaj Life ULIP Products with underlying Bajaj Life India Consumption Fund, enables policyholders to achieve their life goals, powered by the security of a life cover and the opportunity for wealth creation.

SFIN No - ULIF010906/11/25INDCONSFND116

Why Bajaj Life India Consumption Fund?

The Bajaj Life India Consumption Fund offers investors a compelling opportunity to participate in India's vibrant consumer story. This fund strategically combines established market leaders with high-growth emerging businesses, creating a diversified portfolio that captures the full spectrum of consumption opportunities across the Indian economy.

Multi-Stage Investment Approach- Invests across established market leaders, scalable businesses, and emerging high-growth companies to capture value at every stage of business maturity.
Multigenerational Appeal- Designed for investors across all age groups and life stages, offering both growth potential for younger investors and stability for those seeking long-term wealth preservation.
Sector Diversification- Portfolio strategically diversified across multiple consumption sectors including retail, food & beverage, healthcare, education, and lifestyle services

Expansive Investment Universe

Access to over 400+ stocks across India's consumption ecosystem, providing extensive opportunities to identify winners in a rapidly evolving market.
This broad universe enables the fund to remain nimble and capitalize on emerging trends while maintaining exposure to established consumer franchises.

Market Cap Agnostic Strategy

Combines top-down macroeconomic analysis with rigorous bottom-up stock selection to identify the best opportunities regardless of company size.
This flexible approach allows the fund to invest where growth potential is highest, unconstrained by market capitalization limits.

Investment Insight: The Indian consumption story is powered by rising incomes, urbanization, and demographic advantages. This fund is positioned to capture this structural growth trend through a carefully constructed, diversified portfolio of consumption-focused businesses.

Disciplined Portfolio Creation: From 400+ to 30-40* Best Ideas

Investment Philosophy

Focus on Growth at a Reasonable Price (GARP) with a long-term orientation.
We invest in businesses, not just stocks, seeking companies where opportunity size is substantial, and fundamentals are compelling

400+ Stocks - Overall investment universe suitable for investment, closely monitored with valuations tracked

~250* Stocks - Internal filters: macro factors, industry structure, business fundamentals, management quality, financials, exposure limits

30-40* Stocks- Final portfolio of high-conviction ideas with large business opportunity size

*Depending upon the market condition, the number of stocks may vary

Bajaj Life Recently Launched Active NFO

Bajaj Life Active Funds Performance Track Record Since Inception

Scheme Name	Scheme Return	Benchmark	Alpha	Inception Date
Bajaj Life Flexi Cap Fund	17.2%	16.0%	+1.1%	20-May-22
Bajaj Life Sustainable Equity Fund	18.3%	16.5%	+1.8%	16-Feb-23
Bajaj Life Small Cap Fund	32.5%	28.6%	+4.0%	23-May-23
Bajaj Life Focused 25 Fund	13.5%	11.1%	+2.4%	20-Mar-25

Consistent outperformance: All four funds delivering positive alpha, demonstrating skilled active management and superior risk-adjusted returns across market capitalisations.

Data as on 31^st Oct 2025

Is This Fund Right For You?

Long-Term Commitment-Ideal for investors with a horizon of five years and above, allowing time to capture India's consumption story as it unfolds across economic cycles.
Tactical Allocation- Perfect for those seeking targeted exposure to consumption-related companies as a strategic complement to their broader portfolio diversification.
Structural Change Theme- Designed for investors who want to capitalize on structural, behavioral and digital transformations reshaping Indian consumer behavior and spending patterns.
Risk-Appropriate- Suited for investors with high-risk appetite who understand equity volatility and are positioned to benefit from India's long-term growth trajectory.

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Disclaimers:

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

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 Life Insurance Limited is only the name of the Life Insurance Company and Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN- 116L196V03), Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04), Bajaj Life GAIN -A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L213V01), Bajaj Life Supreme- A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN: 116L211V01) 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. 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.

India Consumption Fund is available with Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN- 116L196V03), Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04), Bajaj Life GAIN -A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L213V01) and Bajaj Life Supreme- A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN: 116L211V01)

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

Past returns of a fund are not necessarily indicative of the future performance of the fund.

BLIC-WP-ECNF-19816/26

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 Life Insurance Limited is only the name of the Life Insurance Company and Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN- 116L196V02) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04) are 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. 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.

Nifty 500 Multifactor 50 Index Fund is available Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN- 116L196V02) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04)

In addition to the already existing funds, Nifty 500 Multifactor 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Multifactor 50 Index Fund

Benchmark: Nifty 500 Multifactor MQVLv 50 Index past 5 CAGR Returns.

As on 30th May 2025.

*Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

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

Risk Profile - Very High

SFIN No- ULIF010302/06/25N500MF50IN116

^{^}Minimum premium mentioned is applicable for Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) and is subject to policy terms and conditions.

¹Loyalty Additions is applicable for Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) with the Policy term 10 years & above.

Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra

Email: customercare@bajajlife.com | Customer Care No.: 020 6712 1212

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

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Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Life Insurance Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

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Claim Settlement Ratio of 99.29%^~

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Bajaj Life India Consumption Fund

Fund Specific Summary

Asset Allocation

Why Bajaj Life India Consumption Fund?

Disciplined Portfolio Creation: From 400+ to 30-40* Best Ideas

Bajaj Life Recently Launched Active NFO

Is This Fund Right For You?

Life Insurance Guide

Articles

Calculators

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Top Performing ULIP Funds

Life Insurance Meaning: Definition, Benefits & How It Works

How to Calculate the Cash Surrender Value of Life Insurance?

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