about bajaj finserv

About Bajaj Finserv

Bajaj Finance Limited

We are the most diversifed non-bank in the country, the largest financier of consumer

durables in India and one of the most profitable firms in the category.

Hereunder are summary details of our portfolio of businesses, with a brief description on

each.

Consumer Finance

Consumer Durables Finance

Lifestyle Finance

EMI Card

Personal Loans Cross Sell

Co-branded Credit Cards

Two and three wheeler Finance

Salaried Personal Loans

SME Finance

Mortgage

Business Loans

Commercial Lending

Construction Equipment Finance

Infrastructure Finance

Vendor Financing

ABOUT BAJAJ FINANCE

Mr. Sanjiv Bajaj

(Managing Director of Bajaj Finserv)

Bajaj Finserv Limited is the holding company for the financial services businesses of the Bajaj Group. Its insurance joint ventures with Allianz SE, Germany namely Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited are engaged in life and general insurance business respectively. Its subsidiary Bajaj Finance Limited is a Non Banking Finance Company engaged in consumer finance, SME finance and commercial lending. Bajaj Financial Solutions Limited, a wholly owned subsidiary of Bajaj Finserv Limited is engaged in wealth advisory business.

Bajaj Finserv has a vision to become a full fledged financial services company and be the financial partner to the Indian consumer and help him across his financial needs, whether for finance, for investment management, for protection or for post retirement support, throughout his lifecycle. Bajaj Finserv is a consumer focused company with emphasis on profitable

growth and operational efficiency to deliver best results to all its stakeholders.

What We Do

We often ask ourselves - What is it really that we do? And what is the outcome of

what we do? What is our Big Goal?

The best we’ve come to describing it is to create the largest base of the most

satisfied customers amongst all non-banks in the country; customers who, in

turn, pursue bigger ambitions and create better realities.

It’s not a blind pursuit from here.

Other than the choice of our headquarters, nearly just about everything that we

do springs from ‘How can we achieve our big goal?’ With the voice of the

customer at the centre, we’re obsessed with creating a positive difference in

what customers expect from this category. Innovations sit at the heart of this.

Innovations need investments, in technology, people, and processes. We have

invested deep in creating an ecosystem of partners and an internal culture that

feeds on the desire to raise the bar. Sure, innovative products give us an edge

but they aren’t good enough to sustain the edge. We continuously improve,

becoming better than our previous best.

In the last few months, we have introcuded new products and services that are

industry firsts, launched new businesses that extend our unique offerings to

more categories.

Today, we are the most diversifed non-bank in the country, the largest financier

of consumer durables in India and one of the most profitable firms in the

cateogry.

Sounds like we have come a long way. However, for us, it’s just started. Expect

us to continue to bring to you relevant, and compelling innovations in the future.

Hereunder are summary details of our portfolio of businesses, with a brief

description on each.

o Consumer Durables Finance

o Lifestyle Finance

o Personal loan Cross Sell

o Salaried Personal Loans

o Co-branded Credit Cards

o Two and three wheeler Finance

o Mortgage

o Business Loans

o Construction Equipment Finance

o Infrastructure Finance

o Vendor Finance


Present in the top 79 cities of the country, we are now the largest Consumer

Durables Financier in India. We financed over 10% of all consumer electronics

sold in the country in the last year. We finance one out of every four LCD and

Plasma televisions sold in the country. Last year, we acquired more than 1.45

million new customers, through our over 2,500 points of sale across the country.

Our existing customers can enjoy special benefits of their relationship with the

EMI card. With EMI card, any of our exiting customers can go and buy their next

consumer durable from our partner outlets with the simple swipe of the EMI card.

There is no need for any additional documents.

We have recently introduced Extended Warranty on all purchases made through

our 0% interest Consumer Durables Finance. With Extended Warranty, you get

an additional one-year warranty, over and above the manufacturer’s warranty on

your consumer durable.

For more details on the EMI Card and Extended Warranty, click on the ‘What We

Do’ button on the top of your screen and make a selection from the drop-down

menu.

Lifestyle Finance

Our recent addition to our portfolio of businesses, Lifestyle Finance extends the

0% interest finance proposition to a host of lifestyle products ranging from Home

improvements and furniture, Modular kitchens, Jacuzzi & bathroom fittings,

Kitchen equipment to Luxury watches and digital lifestyle products. We are

currently present in over 10 cities across a host of leading partner chains like

@home, EVOK, Hypercity, Durian, Timbor, Reliance Living and Fitness One.

Personal loan Cross Sell

Through this business, we offer existing customers with good repayment history

various pre-approved personal loan offers. While maintaining focus on the

balance between business growth and the risk-reward equation, deployments

under this category grew by 53% to Rs. 586 crore. The company financed over

86,000 new customers in the current year.


To diversify our offerings in the Consumer Finance business, the company

launched Salaried Personal Loans business. This business focuses on the

financial needs of salaried employees. The business targets affluent salaried

employees above a threshold salary range employed with leading companies.


We have entered into a strategic partnership with Standard Chartered Bank and

has launched co-branded credit cards (‘Platinum’ and ‘World Card’) for

customers with a good repayment track record.


In FY2012, we emerged as one of the largest two-wheeler financier in India.

Despite an increase in competitive activity throughout the year with some banks

aggressively promoting two-wheeler and three-wheeler loans, we financed over

650,000 new customers, operating through 571 Bajaj Auto dealerships as well as

over 1,700 of its sub-dealers across the country.

Mortgage

Under this business, we focus on financial needs of affluent and high net worth

small business and self-employed customers, offering loans against the

mortgage of retail, residential and commercial premises. We were the first

financial services company in the country to introduce the policy of NIL

foreclosure charges and Prompt Prepayment Benefit program.

Recently, the company introduced another industry first - flexisaver. This product

offers customers the flexibility to ‘draw when they want’ and ‘pay when they

want’ without any extra charges - the first of its kind in this space.

Business Loans

Through this business, we offer our affluent SME customers unsecured loans for

their varied business needs. We are the only financial services provider to offer

up to Rs. 50 lacs unsecured loan for SMEs. This business is present in the top 31

cities across India.

Recently we introduced a special lending program for Doctors.


Construction Equipment Finance portfolio is designed to meet the financial needs

of businesses engaged in the infrastructure sector. Through this business, we

finance the construction equipment needs of these businesses. Currently, we

serve customers in over 23 cities in India


We commenced this business a little over year ago. This business focuses on

Project Finance, Corporate Finance and Mezzanine Debt to infrastructure

companies/projects. We believe Infrastructure Finance is a critical input to

continue to keep the pace on our infrastructure development. However, given

the high interest rate scenario and uncertainty in government policy in key

areas, we continue to be selective in lending in this sector, and offer is a core

need of the country.

Vendor Finance

This business focuses on short and medium term lending needs of vendors of

large auto manufacturers. This is a three year old business and has been growing

steadily.

Portfolio SummaryWe are the most diversifed non-bank in the country, the largest financier of

consumer durables in India and one of the most profitable firms in the category.

Hereunder are summary details of our portfolio of businesses, with a brief

description on each.

Consumer Finance


Lifestyle Finance

EMI Card

Personal Loans Cross Sell




SME Finance Mortgage

Business Loans

Commercial Lending



Vendor Financing

For more details and recent business update on each business, please refer to

the details below.

o Consumer Durables Financing

o Lifestyle Finance

o EMI Card

o Personal Loan Cross Sell

o Salaried Personal Loans

o Co-Branded Credit Cards

o Two and Three Wheeler Finance

o Mortgage

o Business Loans

o Construction Equipment Finance

o Infrastructure Finance

o Vendor Finance

Consumer Durables Financing

Present in the top 79 cities of the country, we are now the largest Consumer

Durables Financier in India. We financed over 10% of all consumer electronics

sold in the country in the last year. We finance one out of every four LCD and

Plasma televisions sold in the country. Last year, we acquired more than 1.45

million new customers, through our over 2,500 points of sale across the country.

Our existing customers can enjoy special benefits of their relationship with the

EMI card. With EMI card, any of our existing customers can go and buy their next

consumer durable from our partner outlets with the simple swipe of the EMI card.

There is no need for any additional documents.

We have recently introduced Extended Warranty on all purchases made through

our 0% interest Consumer Durables Finance. With Extended Warranty, you get

an additional one-year warranty, over and above the manufacturer's warranty on

your consumer durable.

For more details on the EMI Card and Extended Warranty, click on the 'What We

Do' button on the top of your screen and make a selection from the drop-down

menu.

Products Covered

0% interest Consumer Durables Finance is available on a wide range of products

and in over 80 cities across India. Hereunder is an indicative list of products

covered:

o LED/LCD/CTV

o Washing Machines

o Microwave Ovens

o Refrigerators,

o Cameras/Camcorders

o Dishwashers

o Generators

o Cooking Range products

o Dryers

o Laptops (Select)

o Air purifiers / Water Purifiers / R.O.

o Music Systems

o Inverters

o Air conditioners

0% Interest Lifestyle Finance

201 REASONS TO BUY LIFESTYLE PRODUCTSWITH 0% INTEREST FINANCE

TO KNOW MORE, CLICK HERE

Our Advantages

o Products Covered

o Features and Benefits

o Eligibility and Documents

o Fees and Charges

o How to Apply

o FAQ

o Contact us

o Agreements and T&C

Products Covered

0% interest Lifestyle Finance is available on a wide range of lifestyle products.

Hereunder is an indicative list:

o Home improvements and furniture

http://www.bajajfinservlending.in/offers-and-promotions.aspx

o Modular kitchens

o Jacuzzi & bathroom fittings

o Kitchen equipments

o Home furnishings

o Luxury watches

o Digital lifestyle products

o Tablet PCs

o Smart-phones

For a detailed listing of what all items are covered in sections like Home

improvements and Furniture and Fitness euipment, please refer to the tables

below:

Home improvements and furniture

Antiques Bar unit Bath and sanitary ware

Bed set Bedroom set Book case

Carpets Centre table Console

Curio cabinet Curtain stitching Curtain tracks

Customised modular kitchens

Day bed Dining set

Dining table Dresser mirror Electric chimney

Glass top dining set HobsHome improvement accessories

Hoods Italian furniture Kitchen cabinet

Library cabinetLiving and dining room sets

Lounger

Occasional chair Recliners Rugs

Separator Shoe cabinet Side table

Sofa cum bed Sofa setsSolid rubber wood furniture

Tableware Wall cabinet Wall units

Wardrobes

Fitness equipment

Bowflex Cable Cross Cross sprinter

Cross trainers Cycles Elliptical

Fitness bike Home Gym Massage chairs and accessories

Motorized tread mill Orbitrators Oyester steam room machine

Platinum Dip Station Recumbent bikes Rowers

Spin Racing bike Sprinter (spin) bike Treadmill

Upright bike Vibration plate

Extended WarrantyWith Extended Warranty from Bajaj Finserv Lending, you have one more

compelling reason to choose our 0% Interest Consumer Durables Finance as your

preferred mode of payment for all durables purchases.

Now, with all your consumer durables purchases, you can opt for an additional

one year warranty, over and above the manufacturer’s warranty. What’s more,

you can pay for the Extended Warranty through our convenient 0% interest EMI

options.

Our Advantages

o Products Covered


o Fees and Charges

o How to Apply

o FAQ


Products Covered

Extended Warranty covers the cost of repair/ replacement of the consumer

durable appliance (i.e. insured asset) arising out of unforeseen defects in

material or workmanship within the Policy Period. Wherein Policy Period is

defined as 12 months, commencing after expiry of manufacturer’s product

warranty period.

Sum Insured of the insured asset is equal to the Invoice price

Maximum claim payment under the policy is equal to the Sum Insured

Repair services are to be performed at authorized service centres only. For a list

of service centres, check out the section on Service Centres

the list of products covered under the Extended Warranty program are:

Colour television (CTV, LCD, LED) Music system

Refrigerator Handycam

Washing machine Water purifier

Air conditioner Vacuum cleaner

Camera Dish washer

Microwave oven Cloth dryer

Personal computer Air purifier

Laptop Condenser dryer

iPod Kitchen appliances

Home theatre

Please note that appliances that are used for commercial, rental or profit

generation purposes are not covered in Extended Warranty.

EMI Cards

201 reasons to swipe your EMI card for durableand lifestyle purchases

TO KNOW MORE, CLICK HERE

Our Advantages



o Fees and Charges

o How to Apply

o FAQ

o Contact us


http://www.bajajfinservlending.in/offers-and-promotions.aspx

Features and Benefits

We deploy technology and apply innovation to create unique and compelling

propositions that help you do what you always wanted to do. Hereunder are a

host of unique features and benefits that you enjoy with EMI Cards from Bajaj

Finserv Lending. Read on to know more:

Pre-Approved eligibility

The EMI card carries a pre-approved loan in your wallet. You can avail of your

loan facility to purchase any consumer durable & lifestyle product of your choice.

Instant approval

Simply Swipe, Sign and Buy with your EMI card. The moment you swipe your

card, you get instant approval, subject to the amount pre-approved for you.

Minimum documentation

For using your EMI card, you don't need to give any documents. Your EMI card

carries all the necessary information required.

Preapproved Offers

As an existing customer, you get exclusive preapproved offers from time to time

across a host of our partner retailers and manufacturers.

Online Account Access

Get all information about your loan like repayment track, interest certificate,

payment schedule etc through our digital customer portal. Just log in with your

loan account number and access whatever information you want about your

loan.

Health benefits through IHO (Indian Health Organisation)

You can avail of special health benefits on you EMI card, courtesy our partnership

with Indian Health Organisation (Need to mention that its applicable to selected

cities only).The details of various IHO benefits on the EMI card is given below:

o 100% off on first two consultations & check-ups with each doctor OR 50% off

on all consultations with each doctor

o 50% off on one dental X-ray & Cleaning

o 30% off on a basic dental treatment

o 25% off on any further treatments like immunizations or treatments

o 25% off on Lasik treatment

o 30% off on all pathology tests

30% off on all radiology test.

Credit Cards

Now earn benefits on purchase of the most diverse products and services with a

single Credit Card

Ever wondered why should credit card benefits come in thin slices? Wished there

was a credit card that gave you benefits from the smallest daily grocery

purchases to the most unique lifestyle holiday?

With the Bajaj Finserv Standard Chartered World and Platinum Credit Cards earn

benefits nearly every time you swipe them. From utility payments to fashion

purchases, from grocery shopping to international holiday bookings, earn points

across more slices of your life than any other single Credit Card.

Click here to apply online Or SMS CARD to 56070 Or call on 1800 1030 333

Our Advantages

o World Credit Card

o Platinum Cards


o Fees and Charges

o How to Apply

o FAQ

o Testimonials


World Credit Card

Enjoy the best in class privileges on your Bajaj Finserv Standard Chartered World

Credit Card. With the multiple reward points programs, shopping is truly a

rewarding experience. Now enjoy 5 reward points for every Rs.100 spend at

supermarkets and departmental stores.

Enjoy 5 reward points on Retail fashion and 3 reward points on any other spends.

Enjoy a host of benefits right from travel to dining to golf and many more.

Exclusive Benefits

Welcome Offer

The good life begins as soon as you sign up. Enjoy 6000 Reward points as an

additional bonus on payment of your first monthly bill of your BAJAJ FINSERV

STANDARD CHARTERED credit card account.

Rewards on Offer

o 5 Reward points for every Rs.100/- spent at Grocery Stores

o 5 Reward points for every Rs.100/- spent at Departmental Stores

o 5 Reward points for every Rs.100/- spent at Super-Stores

o 5 Reward points for every Rs.100/- spent on Retail Fashion

Regular Category

Earn 3 Reward points for every Rs.100/- spent

Bonus Reward Program

What’s better than regular reward points? Bonus reward points. Every time you

use your BAJAJ FINSERV STANDARD CHARTERED credit card to shop at outlets

who have tied up with the card, you automatically earn bonus points which are

over and above the reward points you already receive. Bonus points help you

accelerate your points so you can achieve your rewards faster. Earn Bonus points

at over 1000 merchant outlets.

Utility Bill Payments

50 Reward points on payment of utility bills through Standard Chartered Bill pay

service.

Monthly Rewards

2 additional Reward points per Rs.100/- on incremental spends on regular

categories above Rs.100,000 per statement cycle.

Birthdays

10 reward points for every Rs.100/- spent on birthdays (holder of the primary

card).

Redemption Opportunities

Choose from an exciting range of shopping vouchers, gifts, dining rewards,

holiday packages and lots more. Visit the online redemption rewards division at

www.standardchartered.co.in for more details.

Golf

Golf Program India :

Now enjoy a good teeing session with your BAJAJ FINSERV STANDARD

CHARTERED credit card.

o Complimentary Golf at select Golf Courses in India

o Complimentary lessons

o Concierge facility

SESA Golf Program : Enjoy privileged access and special rates at premium Golf

Courses in South East and South Asia.

Other Benefits

Sl.

Brand Category Offer Details

1Lemon Tree Hotels

Travel20% off on F&B and Best Available Rates + 20% off the Room Rates at Lemon Tree Premier Hotels

2 Travelocity Travel Rs.1000 e Voucher with every air ticket booked

3Matrix Mobiles

Travel

o Free rental for a month (UK/ Singapore)

o Free talk time worth Rs. 500 (USA/UK), Rs.

300 (Other Countries)

o Free Data usage up to 5 GB (USA), 500 MB

(UK) 300MB (Singapore)

o Free SIM card delivery

o Waiver of activation and deactivation

charges.

o Permanent SIM if they are frequent

travelers

4Hertz Car Rentals

International Deals

o 10% off Hertz Affordable Rates

o First year fee waiver for Hertz #1 Club Gold

membership

5Café Coffee Day

ShoppingGet Choco Rocks Drink Free on bill of Rs. 150 & above

6 Triumph ShoppingGet 15% off on shopping worth Rs.2500 and above at Triumph

7 Richfeel Shopping

Avail a Consultation with Trichologist including Hair Testing & Analysis & get ‘Healthy Hair Always’ session worth Rs.495 complimentary > Flat 15% Off on Spa Services

8Apollo Pharmacy

Shopping

o Flat 5 % on FMCG / OTC Products

o Flat 7.5 % on Pharma (Medicines)

o Flat 10 % on Apollo Brands (Private Label

Products of Apollo Pharmacy)

9 Re-birth Shoppingo Buy any 2 products and Get the third

product absolutely free

10

Bookmydeal.com

Shoppingo Buy 1 Deal and Get 1 Deal Free @

www.BookMyDeal.com

Conditions apply. Kindly check for validity date on the Mastercard website.


Our Advantages



o Fees and Charges

https://personal-loans-india.bajajfinservlending.in/share-your-details.aspx?utm_source=%20webprodicon&utm_campaign=v210912

o How to Apply

o FAQ

o Contact us

o Testimonials





host of unique features and benefits that you enjoy with Salaried Personal Loans

from Bajaj Finserv Lending. Most of these features are industry firsts and come

only with our portfolio of offerings. Read on to know more:

Instant Online Approvals

Now get instant approvals of upto Rs. 15 lacs on your salaried personal loan

through our online facility. No need to go to any branch. From wherever you are,

simply log onto the online section, fill an online form and within 90 seconds, get

approval on your application. It is as simple as 123.

Click Here to apply online

Loans up to Rs.25 lacs

Bold dreams need big means. We offer the highest ticket size of up to 25 lacs so

that you can pursue your bold dreams. This is the highest ticket size that anyone

offers in this category.

Prompt Repayment Benefit

Get rewarded for keeping your Secures. Enjoy the exclusive Prompt Repayment

benefit for paying your EMIs on time. If you clear your first 12 EMIs without any

delays, you will get 1% of the annualized interest amount paid back to you.

This facility will be available for the entire period of your loan tenor and will be

paid at the end of every 12 months, subject to your EMIs paid on time.

Part Prepayment facility

You can prepay upto 6 times in a calendar year at any interval with the minimum

amount per prepay transaction being not less than 3 EMIs. There is no limit on

the maximum amount. This is subject to your clearing your first EMI.

Nil Foreclosure charges

Now you can choose to foreclose your loan anytime during your loan tenor

without paying any foreclosure charges.

Preapproved Offers

As an existing customer, you get exclusive preapproved offers from time to time.





loan.

Business LoansNow finance the large dreams for your business with unmatched flexibility of

interest rate, tenure and payback options.

Ever wondered why should rigid financing options and cumbersome processes

interrupt your dreams to take your business to the next level? Wished there was

a financier who understood that you need to focus on your business rather than

navigate the finance world for just one of your business needs?

Now our unique finance products, flexible options for interest rate and tenure,

simple & transparent processes with minimal documentationand anytime-

anywhere access to your loan information,will help you focus on what’s

important – your Big dream for your business.

To apply for a business loan just call us on 1800 2094151

Our Advantages



o Fees and Charges

o How to Apply

o FAQ

o Contact us

o Testimonials





host of unique features and benefits that you enjoy with Business Loans from

Bajaj Finserv Lending. Most of these features are industry firsts and come only

with our portfolio of offerings. Read on to know more:

Loans up to 45 lacs

We offer the highest ticket size of up to 45 lacs as Business Loan so that you can

pursue your ambitions for your business. This is the highest ticket size that

anyone offers in this category.

No Guarantors. No Collateral

You don't need to provide any Guarantors or give any collateral to avail our

Business Loans.


Get rewarded for keeping your commitments. Enjoy the exclusive Prompt

Repayment benefit for paying your EMIs on time. If you clear your first 12 EMIs

without any delays, you will get 1% of the annualized interest amount paid back

to you.

This facility will be available for the entire period of your loan tenor and will be

paid at the end of every 12 months, subject to your EMIs paid on time.


You can prepay upto 6 times in a calendar year at any interval with the minimum

amount per prepay transaction being not less than 3 EMIs. There is no limit on

the maximum amount. This is subject to your clearing your first EMI.




Preapproved Offers

As an existing customer, you get exclusive preapproved offers from time to time.





loan.

Home LoansOf the many joys of life, the joy of buying your own home is endearing. With our

Home Loans, you are a step closer to realising your dream of owning your own

home.

Given the importance of this decision in your life, we have kept the entire

process of opting for a home loan simple, convenient and quick. What’s more,

there are a host of unique benefits and services to ensure all your risks are

covered.

Our Advantages



o Fees and Charges

o How to Apply

o FAQ

o Contact us





host of unique features and benefits that you enjoy with Home Loans from Bajaj

Finserv Lending. Most of these features are industry firsts and come only with

our portfolio of offerings. Read on to know more:

Total Loans

A unique offering to our home loan customers who are buying ready to occupy

property. While we fund your dream home we also understand that you need to

spend on the fixtures and fittings to make the place yours. As a part of the

overall package, we offer you a separate amount exclusively for this.

Refinance

If you have purchased your property within last 12 months by using own source

of funds, you can avail of our refinance option and take a loan up to the

registered value of your property.


You can prepay any amount per prepay transaction being not less than 3 EMIs.

There is no limit on the maximum amount. This is subject to your clearing your

first EMI.


Get rewarded for keeping your commitments. Enjoy the exclusive Prompt

Repayment benefit for paying your EMIs on time. If you clear your first 12 EMIs

without any delays, you will get 0.5% of the annualized interest amount paid

back to you. This facility will be available for the first three years of your loan

tenor and will be paid at the end of every 12 months, subject to your paying the

preceding 12EMIs paid on time.








loan.

Customised Insurance Schemes

o Group Credit Protection Plus from Bajaj Allianz

o Non Medical Loan & Life Insurance of up to Rs. 100 Lacs

o Level term Plan, which means you are covered for the complete amount

despite reduction/ prepayment of loan amount

o Coverage for the complete tenure of the loan up to a maximum of 30

years

o Home Safe Plus from ICICI Lombard

o Non Medical Insurance up to Rs. 3 Crores

o Provides coverage against accidental death, permanent or total

disability, diagnosis of critical illness and loss of job.

o Coverage for 5 years.

o Bajaj Allianz SFSP Policy

o Bajaj Allianz’ SFSP Policy offers a comprehensive insurance cover for your

home (i.e. residential building) against various contingencies to ensure

that your prized possession is always safe!

Loan Against PropertyNow your big plans don't need to be shelved because of lack of access to large

capital. Be it that big investment, an acquisition or business expansion, with our

wide portfolio of Loan Against Property, we have the solution to meet your

diverse needs.

Our Advantages

o Product Portfolio



o Fees and Charges

o How to Apply

o FAQ

o Contact Us

o Testimonials


Product Portfolio

We have a range of products to cover your varied needs. You can avail of our

Loan Against Property for any of the following:

o Loan Against Commercial Property

o Loan Against Residential Property

o Loan for Purchase of Commercial Property

o Loan Against Plot

o Lease Rental Discounting

o FlexiSaver loan