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BAJAJ FINANCE
Company analysis
PROJECT STUDIES

BY NIKUNJ GOHIL
FM_07 PREFACE

Companies began operating in a highly complex structure during the course of the last 25
years. The introduction of many departments has allowed for the management of various
work areas. The majority of the time, a company's operating procedures determines the
company's potential position.

This project report has been created to analyse the ins and outs of BAJAJ FINANCE in order
to help investors understand the firm from the perspective of investing in it and to give
students a quick overview of how such a large company operates on the ground level.

The primary goal of conducting the study for this report is to provide insightful information
about BAJAJ FINANCE and gain a comprehensive understanding of its existence, operations,
management, stock composition, financial situation, and ethical influence

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DECLARATION

I, the student at B. K. SCHOOL OF PROFESSIONAL & MANAGEMENT STUDIES,

NIKUNJ GOHIL, hereby declare that the project entitled “COMPANY ANALYSIS: BAJAJ
FINANCE” is my original work submitted for the grand project of the subject ‘Project
Studies’. I declare that the work has not been submitted for any other degree, diploma, or
fellowship. I further declare information collected from primary and secondary sources has
been duly acknowledged in the project. I shall be responsible for any plagiarism if noticed in
the research project.

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ACKNOWLEDGEMENT

I would like to express our gratitude to B. K. School of Professional & Management Studies,
Prof. Himanshi Prajapati, Prof. Snehal Shah, Prof. Karan Bhatt, Prof. Aunkita for providing
us with all the help, encouragement, and guidance to complete the project.

My appreciation and thanks also go to people who have willingly helped with their abilities.
Finally, I express gratitude to my friends and family for continuous personal support and
encouragement.

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INDEX

SR.NO CONTENT PAGE NO.

1 INTRODUCTION
2 MISSION & VISION
3 HISTORY
4 BOARD OF DIRECTORS
5 MARKETING
6 PRODUCT LINE
7 BUSINESS MODEL
8 MARKET SHARES
9 FINANCIAL STATEMENTS
10 SWOT ANALYSIS
11 PESTEL

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INTRODUCTION

Bajaj Finance Limited, the lending arm of Bajaj FinServ Limited, is one of the most
diversified NBFCS in the Indian market. catering to 58 million customers across the country.
Headquartered in Pune, the company's product offering includes Consumer Durable Loans,
Lifestyle Finance, Digital Product Finance, Personal Loans, Loan against Property. Small
Business Loans, Wallet. Co-branded Credit Cards. Two-wheeler and Three-wheeler Loans,
Commercial lending/ SME Loans. Loan against Securities and Rural Finance which includes
Gold Loans and Vehicle Refinancing Loans along with Fixed Deposits. Bajaj Finance
Limited has the highest domestic credit rating of AAA/ Stable for long term borrowing. A1+
for the short-term borrowing, and CRISIL AAA/ Stable & ICRA AAA (Stable) for its FD
program. It has a long-term issuer credit rating of BB+/ Positive and short-term rating of B by
S&P Global ratings.

BAJAJ FINANCE’S COMPANIES

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Bajaj Finance Limited is a deposit-taking Non-Banking Financial Company registered with

the RBI. The company has a diversified lending portfolio across retail. SMES and
commercial customers with a significant presence in urban and rural India. It accepts public
and corporate deposits and offers a variety of financial services products to its customers.

As on date, Bajaj Finance Limited operates in 2,988 locations across India, including 1.690
in rural areas. It focuses on six broad categories, namely:

Consumer Finance

A comprehensive range of finance options for purchasing of lifestyle and digital products.

Durable Finance

Lifestyle Finance

Digital Product Finance

EMI Card

2 & 3-Wheeler Finance

Personal Loan

Loan against FD

Extended Warranty

Gold Loan
Home Loan Retail EMI

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Retailer Finance

E-commerce

Co-branded Credit Card Co-branded Wallet

SME Finance

Providing you with convenient and quick SME loans to help meet your growing business
needs. These loans are tailor-made and help you maintain a healthy cash flow for your critical
working capital needs.

Home Loan

Loan against Property

Gold Loan

Lease Rental discounting

Business Loan

Loan against Shares Professional Loan

Working Capital Loans

Developer Finance

Used Car Finance

Commercial Lending

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Our commercial lending arm offers credit to short-term borrowing needs to established
businesses. With these flexible loan solutions, you can achieve a healthy cash flow, enhance
your working capital and support your business growth.

Vendor Financing

Large Value Lease Rental Discounting

Loans against Securities

Financial Institutions Lending

Light Engineering Finance

Corporate Finance Warehouse Financing

Rural Lending

65% of India's population lives in rural areas, and to reach the heart of our nation, this service
was a great way to empower the rural residents. Our rural lending services cater to the two of
the most minimum explored financing needs of the rural customers - gold loans and loans
against vehicles, along with assisting their financial needs in agriculture, business and legal
matters.

Investment

Providing Fixed Deposit and Mutual Funds that are right for you to build a corpus of funds
over time and grow the money you've saved. Our Retails, Corporate and Systematic Deposit
plans are quick savings tools that allow you to make bite-sized monthly deposits to create a
corpus of funds over time.

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Partnerships & Services

Combining traditional insurance with the fast-moving, fast-changing ethos of collaborative

culture. Bajaj Finance Limited has partnered with companies to deliver well-prepared plans to
its customers. We have harnessed the power of big data and Al to identify and respond to
new, untapped opportunities. Our successful partnerships focus on persistent business needs
to help cut costs, increase revenue, empower our customers and improve their customer
experience.

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MISSION & VISION

Mission:
Bajaj Finance is a leading non-banking finance company in India. The mission of Bajaj Finance is to
provide innovative financial solutions to individuals and businesses by leveraging technology, data
science, and customer centricity. It aims to build a financial ecosystem that is convenient, transparent,
and cost-effective. It strives to make financial products accessible to all its customers and create value
for them. Bajaj Finance is committed to creating a financial ecosystem that is secure, reliable, and
financially inclusive. It also seeks to create financial opportunities for its customers, enabling them to
build their wealth and achieve financial freedom. Bajaj Finance strives to transform India’s financial
landscape by providing innovative financial products and services that are tailored to the needs of its
customers. It focuses on delivering customer-centric solutions that are convenient, secure, and
costeffective. It is committed to offering high-quality services that are designed to meet the needs of
its customers.

Vision:

Bajaj Finance is a leading non-banking finance company in India, offering a wide range of financial
services such as consumer loans, vehicle loans, insurance and investment products. The company is a
subsidiary of Bajaj FinServ, a financial services conglomerate with presence across India. With its
innovative products, modern technology and customer-centric approach, Bajaj Finance provides fast
and easy access to loans and other services to individuals and businesses. It has a pan-India presence
and a wide network of branches and partners, helping it reach out to millions of customers. Bajaj
Finance is committed to providing its customers with best-in-class services and products and aims to
become one of the most trusted and respected financial services providers in India.

HISTORY

1987-1999

It started with a 6-month wait period for India's most popular two-wheelers. This helped solve
a simple consumer truth about India's license days, that maybe it's not just two-wheelers that
consumers hate waiting for, but just about everything else. Simply because time is the most
precious commodity for which consumers are willing to pay a premium, especially if it's got
to do with their need to finance their dreams. And this set the ball rolling for Bajaj Finance
Limited.

This simple realisation has led the company to carefully invest in understanding processes to
cut time for consumers and as a company that has created the most diversified portfolio of
finance products in India. Starting as a humble two-wheeler finance company, Bajaj Auto

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Finance Limited was incorporated on 25th March 1987. In the same year, on 20th October, it
became a deemed public company u/s 43A (1) of the Companies Act 1956. On 24th
September 1988, it was registered as a Public Limited Company. A decade later, on 5th
March 1998, the company was registered with RBI as a Non-Bank Company.

With 1990s ending and liberalisation paying off rich dividends and consumerism was on the
rise like never before in India, the company ventured into the little-known business of
Durable Finance in 1998-99. It became integral to India's snowballing electronic devices
dream in less than a decade.

2000-2010

In the 2000-10 decade, the company expanded its expertise to finance dreams beyond two &
three wheelers and Durables to Business and Property and a whole host of other personal
needs. New partnerships to create robust back ends to manage processes, leveraging
technology to crunch time to approval for consumers across businesses, and close
collaboration with peers for exploring avenues for profit helped the company chart out a new
success map.

Bajaj Auto Finance crossed Rs. 500 crores of annual disbursement in 2000. It doubled this
within six years to Rs. 1,000 crores in 2006 also saw BFL's Assets Under Management
crossing the Rs. 1,000 crore milestone. The Shareholders' Funds crossed the Rs. 1,000 crore
milestone in 2008.

In line with our fast-diversifying finance portfolio, it was natural that the name reflects the
expanded sphere of the company's presence in customers' life. The company changed its name
from Bajaj Auto Finance to Bajaj Finance Limited on 6th September 2010.

2011-2013

This was a period of innovation for Bajaj Finance Limited. The company launched India's first
and only EMI (Existing Member Identification) Card and the Flex saver in 2012. The spirit of
innovation extended to processes, and the company reduced the approval time for Durable and
Lifestyle Financing from 15 minutes to 5 seconds flat by 2011.

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By the second year of this decade, the company had already crossed 2,000 crore milestone in
Shareholders' Funds. The Assets Under Management are already beyond Rs. 10.000 crore,
and the PBT for FY 2012 was Rs. 602 crores.

In FY 2013-14, BFL is set to breach the Rs. 20,000 crore mark for its Assets Under
Management.

The Bajaj group legacy means that the company has always been careful about growing
soundly and places a lot of emphasis on governance. Bajaj Finance Limited is one of the few
NBFCs in the country to be awarded a rating of FAAA/Stable for Fixed Deposits, indicating a
very strong degree of safety with regards to the timely payment of interest and principal on
the instrument by the Credit Rating and Information Services India Limited (CRISIL). In
addition to this, BFL was also rated high (P1+ rating) for the Short-Term Debt Programme
and AA+/Stable for the Long-Term Debt Programme by CRISIL and LAA+ for the Long-
Term Debt Programme by ICRA.

2014-2015

The company acquired record 4.92 million customers in FY15 by 1.6 million customers more
than last year, a 45% growth. The business grew strength to strength with the consumer
durable business continued to have a strong showing, acquiring 800.000 customers in the last
quarter despite a muted growth. The digital product financing business delivered 87.000
customers, a 313% growth.

The rural business grew and caught great momentum. In the last quarter we disbursed close to
Rs. 330 crores of new disbursals

in the rural lending business, and the business is now moving quite well.

The company introduced Doctor's loan out of the existing business loan by using cutting edge
analytical tools to pre-approve super affluent and above category doctors in the top 40 cities
in India and approving them. BFL also launched the next version of wealth management with
three new channels in the last quarter: a relationship management channel, a Tele RM/Video
RM channel, and an independent financial advisor channel in partnership with Bajaj Allianz
General and with HDFC Life Company.

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2015-2016

Overall volume momentum from a customer acquisition standpoint remained reasonably

strong. The company acquired 1.6 million customers in June 2015, a 36% growth. Total
income came in a tad below Rs. 2,000 crores, which is a 35% growth. Net interest income
came in at 38% growth, just a tad above Rs. 1,150 crores.

The consumer durable business grew 23%, and digital products such as mobile, laptops and
tablets grew 84% YoY. The company launched gold loans for the urban market in January
2016 in 60 markets, taking the total to 85 from 25 markets. The number of total active EMI
cards is second in the row to India's largest private sector bank at 5.5 million. BFL also
launched a retail EMI card business where it is able to offer small loans on consumer durable
starting from Rs. 5,000 to Rs. 27,000.

With the competitive environment intensifying, competition in the retail assets is also
projected to intensify. Therefore, the company's key focus remains to continue diversifying,
de-risk businesses, and creating higher entry barriers to the business models.

2016-2017

The company did a record 2.5 million loans in the first quarter of 2016, the highest that we
have done ever. In June 2016, the total franchise of the company grew to 20.13 million. The
total income was up 38% to Rs. 2. 673 crores. PAT was up 43% to Rs. 449 crores.

The company also launched the innovative life care finance, which allows for elective surgery
to be financed, with close to 2.500 hospitals and clinics in top-30 cities as partners across the
country.

2017-2018

A notable year of remarkable strides in business, customer convenience and accolades.

To begin with, Bajaj Finance's AUM stood at a whopping Rs. 77.970 crore, successfully
crossing the Rs. 75,000 crore mark and bagging the highest ever quarterly profits through the
year. The board committee of Bajaj Finance Limited approved raising Rs. 4,500 crores

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through a Qualified Institutional Placement (QIP) with an aim to further diversify the investor
base in the 2nd quarter of the year.

Aiming to be a well-diversified company, Bajaj Finance Limited picked up a nearly 11%

stake in mobile wallet major Mobikwik for about Rs. 225 crore acquiring shares worth Rs.
271.050 through compulsory convertible preference shares (CCPS). Bajaj Finance Limited
holds approximately 10.83% of Mobikwik's equity on a fully diluted basis.

Being leaders in consumer finance, the group decided to pave the digital route towards
customer convenience. Bajaj Finserv Direct Limited was carved out of Bajaj Finance to
enable the customer to transact digitally, enhancing the end-to-end online experience. Bajaj
Housing Finance Limited also commenced its operations for mortgage loans.

Achieving new heights, Bajaj Finserv's market cap crossed Rs. 1.50.000 crore, making the
company stand tall at 16th position in the overall market cap ranking.

2018-2019

It proved to be another stellar year when Bajaj Finance Limited, for its foreign currency
borrowing program, received a long-term issuer credit rating of 'BBB' - with a stable outlook
and a short-term issuer credit rating of 'A-3' by S&P Global Ratings in January 2019. A
'BBB- 'rating is equivalent to India's sovereign rating assigned by S&P Global Ratings.

2019-2020

A year that ended with the pandemic taking over the world did have some notable
achievements in the first part. AUM grew by 27% YOY to Rs. 1,47,153 crores as on 31st
March 2020. The customer franchise crossed the 40 million mark and the company's
geographical spread expanded to 2,392 locations across India, in urban and rural areas.

Bajaj Financial Securities Limited also started its operation in H2 2019. Its strategy is to offer
a full product suite (broking) to loan against securities (LAS) clients and grow the profit pool
of the LAS business.

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BOARD OF DIRECTORS

LATE RAHUL BAJAJ SANJIV BAJAJ

CHAIRMAN EMERITUS CHAIRMAN

RAJEEV JAIN RAJIV BAJAJ

MANAGING DIRECTOR NON-EXECUTIVE DIRECTOR

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D.J. BALAJI RAO DR. NAUSHAD FORBES

INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR

ANAMI N ROY PRAMIT JHAVERI

INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR

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RADHIKA HARIBHAKTI
INDEPENDENT DIRECTOR

MARKETING

Bajaj Finserv Target Audience

The group of people who are most likely to be interested in your product or offer is referred to
as your target audience. And members of this group share similar traits.
Bajaj Finserv’s target audience consists primarily of middle-class and low-income families.
They have tailored their advertisements and marketing strategies specifically for them. Giving
them high-interest rates on investments, quick loans, insurance policies, and so on. When you
provide such offers and services, they attract more people not only through advertisements but
also through word of mouth.

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Bajaj Finserv Marketing Strategy

A marketing strategy is a comprehensive business plan that assists in targeting consumers and
converting them into potential customers of goods or services. Let us dig deeper into the
specifics of their strategy.

– Existing Customers
Bajaj Finserv is more concerned with retaining existing customers than with acquiring new
ones. They believe that the more satisfied their existing customers are, the more likely they
are to tell others about their business.
Before purchasing anything, any buyer will check the company’s reviews, and satisfying
existing customers will help them build a better brand name in the market.

– Quick Results
Bajaj Finserv has always provided prompt service to its customers. They were the first to
provide on-the-spot approval for the long-term financing offer in three minutes, a time that
has now been reduced to three seconds.
– Bajaj Finserv Digital Presence
A digital presence is simply how your company appears online and how you manage your
brand across various social media platforms. It is critical to stay on-trend, and the current
trend is digital, with the majority of the audience on digital/social platforms. Taking
advantage of this opportunity, Bajaj Finserv greatly improved its digital presence.

Facebook Profile

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Instagram Profile

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Twitter Profile

Source – Twitter of Bajaj Finserv

According to the images above, the company profile on various social media platforms has a
large presence and thus a strong market base. They post videos of various queries and offers
that people may require for various reasons. They respond to all comments on their social
media accounts, increasing their social presence, answering questions, and gaining people’s
trust.

– EMI Store
The Bajaj Finserv EMI Store is the next-generation online electronic store that provides
simple solutions for online electronics shopping with an EMI option. When you shop at EMI
Store, you won’t have to worry about your budget because it offers the best EMI shopping
options. You can choose Bajaj Finance for anything, from mobile phone loans to home theatre
system loans, thanks to their hassle-free financing options. The best part is that when you
finance your purchase through them, you have the benefit of no paperwork, instant approval,
instant delivery, and pre-approved offers. In addition to no paperwork and no hiccups, you get
zero down payment and no interest on EMIs.

– Creating Awareness
At this point, the user has a question. He then goes out and looks for a company that can offer
the customer a solution or service. In the case of Bajaj Finserv, the company has written blogs
for all relevant searches and is ranked at the top of the search results, i.e. (personal loan,
company loan, home loan, EMI card, health loan, doctor loan, etc)

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Bajaj Finserv Content Marketing

Content Marketing is a type of marketing that requires the creation and distribution of online
content that does not explicitly promote a brand but is intended to pique interest in its
products or services.
Bajaj Finserv has been publishing SEO-optimized blogs on various topics in order to increase
the visibility of its brand in all of the searches that people conduct. This is due to the fact that
the more people who see the company’s name, the more trust they have in them.
Bajaj Finserv has carefully planned their content strategy, from the initial stage, which is the
awareness stage, in which the customer learns about the product, to the final stage, which is
the action stage, in which the customer purchases the product.

However, the best part of Bajaj Finserv’s content strategy is that they have kept their interest
stage very clear for customers to simply buy their services.

Along with some of its competitors, it is a well-known brand in its field. It has a specific
target audience and is one of the best marketing strategies on the market. So, let us see what
companies really do compete with Bajaj Finserv.

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Bajaj Finserv Competitors Analysis

Bajaj Finserv has many competitors in the market, like HDFC Bank, Axis Bank, and Muthoot
Finance, all of which offer savings, insurance, and loans. Other market competitors include
LIC, ICICI, and others. They are, however, not as diverse as these. People, however, have
high regard for them when it comes to their own facilities.
We narrowed down the companies because the others only provide a limited number of
services, whereas Bajaj Finserv provides more options than the more common ones.
Bajaj Finserv earns more points than its competitors because it has written on various blogs,
and it not only gets new customers because it is getting relevant content, but it also retains
existing customers.

Popular Articles

These are some of the most popular articles published by Bajaj Finserv that rank near the top
of its keywords.

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Opportunities in Digital Presence

Bajaj Finserv has a good opportunity to write some blogs about the following
keywords/searches:

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Pain Points

A pain point is a specific issue that prospective customers of their related company are
having. In other words, pain points are simply the problems. It has been observed that users
have a high bounce rate on the site. To reduce the bounce rate and convert them into
customers, the company must work on this.

Bajaj Finserv has a strong presence in the market and among its customers. The fact that they
focus more on their existing customers to satisfy them and provide them with more amenities
is a plus in their marketing because whenever a new customer sees their ad and goes to get a
review, there is a high chance that he will convert into a buying customer.
You can see how Bajaj Finserv implemented its digital marketing strategy in this blog, and if
you want to learn similar skills and techniques, start learning digital marketing today. Check
out our Free Masterclass with Karan Shah, the CEO of IIDE, to get hands-on experience in
digital marketing.
We appreciate that you took some of your valuable time to read the article. We hope you
found it informative and helpful. If you did, please do share it with your friends, colleagues,
and family!

Product Line

Bajaj Finance is an Indian financial services company based in Pune, Maharashtra. It is a part
of the Bajaj group and is one of the leading consumer finance companies in India. It offers a
wide range of products and services including consumer loans, home loans, personal loans,
business loans, credit cards, mutual funds, term insurance and more.

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1. Consumer loans: Bajaj Finance offers consumer loans to individuals for meeting their
various needs such as home renovation, wedding expenses, medical bills and so on. These
loans can be availed on easy repayment terms and competitive interest rates.

2. Home loans: Bajaj Finance provides home loans to customers to purchase a home or
construct, extend or renovate an existing one. With the help of home loans, customers can
finance up to 80% of the property cost.

3. Personal loans: Bajaj Finance offers personal loans to customers for meeting their
various needs such as medical bills, travel expenses, wedding expenses and so on. These
loans can be availed on easy repayment terms and competitive interest rates.

4. Business loans: Bajaj Finance provides business loans to businesses for meeting their
working capital needs, purchasing machinery and equipment, expanding operations and so
on. These loans can be availed at competitive interest rates and repayment terms.

5. Credit cards: Bajaj Finance offers credit cards to customers to meet their everyday
needs such as shopping, dining, fuel and much more. These cards come with attractive
rewards, cashback offers and other benefits.

6. Mutual funds: Bajaj Finance offers mutual funds to customers to help them invest in
the stock market. These funds are managed by experienced fund managers who ensure that
the customers get the best returns on their investments.

7. Term insurance: Bajaj Finance offers term insurance to customers for the protection of
their family in case of any unfortunate event. This insurance provides a lump sum amount to
the nominees in case of the policyholder’s untimely demise.

8. Savings account: Bajaj Finance offers savings accounts to customers for building a
corpus of funds for meeting their future needs. These accounts come with attractive interest
rates and other benefits.

9. Fixed deposit: Bajaj Finance offers fixed deposit to customers for investing their
surplus funds for a fixed period of time. These deposits come with attractive interest rates and
other benefits.

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10. Investment plans: Bajaj Finance offers investment plans to customers to help them
grow their wealth. These plans come with attractive returns and other benefits.

BUSINESS MODEL

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The business model is used to determine a company’s plan for generating revenue. It
determines the products or services the business plans to sell, its identified target market, and
any anticipated expenses.
Let’s take a look at all the elements of the Business model of Bajaj Finance step by step.

1.The retail segment of Bajaj Finance

In 2007-08 there were financial crises and all banks were suffering mostly in the retail
segment where people couldn’t return the amount back. So later on, all the banks didn’t
participate in the retail segment.
But during this time Bajaj finance thought of investing in the retail segment because at that
time there weren’t any competitors in that section of the market. Due to this, they earned a
large amount of profit.
Let us now see its revenue model.

2. Revenue Model of Bajaj Finance

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They earn from different fees like EMI card fee which comes to approximately 10% of its
revenue. They also apply their charges on delayed loans, processing fees, penalties, etc.
through which they earn.
They also earn from the following methods:
• 0% EMI – They tied up with manufacturers and retailers and started charging them
for their services in which they would give the people 0% interest loans which would
help the retailers and manufacturers to sell their products faster.
• Small medium-sized enterprises loans – They provide them with secured loans and
unsecured loans where they provide loans secured loans by keeping some collateral
and unsecured loans are given without any collateral.
• Rural loans – These are the loans provided to the rural people and they have also
started FDs for farmers.
• Commercial loans – They are big-sized loans that deal with different companies in
the market but here they charge less amount of interest than other categories. But even
with less amount of interest the amount earned from the large sum is a profitable
amount for them.
Let us now see the customer segmentation of Bajaj finance.

3.Customer segmentation of Bajaj Finance

Most of their loans are taken by their existing customers. This is because when they come in
contact with any of their customers, they make a relationship with them by being in touch
with them by sending emails and offers.
This helps them to keep their customers coming back or the customers talk about Bajaj
finance by word of mouth.

4.Product and service segmentation of Bajaj Finance

Bajaj Finance provides its customers with different services like consumer finance, SME
finance, commercial lending, lending.
Let us now see the digital marketing methods used by Bajaj finance.

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5. Digital marketing methods used by Bajaj Finance

They have optimized their SEO in such a way that if a customer searches for anything related
to Bajaj finance, then their company website is on the top. Which makes the customer come
back on the same page.

On the analysis of the business model of Bajaj finance, we have known that it has categorized
its business model as to the market. Thus, this created a large advantage for them now and in
the future. They have made some successful decisions like entering the retail segment during
2007-08 and capturing most of the market. They have different revenue streams like small
medium-sized enterprises loans, rural loans, commercial loans, and charges for their services.
They also provide their customer with different products and services like consumer finance,
SME finance, commercial lending, lending. Bajaj finance has also been using digital
marketing like optimizing its SEO and showing its website on all its customer’s related
searches.

MARKET SHARES

Market: BSE & NSE

ISIN: INE296A01024

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Industry: Finance (including NBFCs)

Company Presentation

Bajaj Finance Ltd. is a company limited by shares, incorporated on 25 March 1987 and
domiciled in India. The Company is engaged in the business of lending. BFL has a diversified
lending portfolio across retail, SME and commercial customers with a significant presence in
urban and rural India. It also accepts public and corporate deposits and offers variety of
financial services products to its customers. The Company has its registered office at
Makurdi, Pune, Maharashtra, India and its principal place of business at 4th floor, Bajaj
Finserv corporate office, Vimen Nagar, Pune, Maharashtra, India. The parent of the Company
is Bajaj Finserv Ltd.

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FINANCIAL STATEMENTS

BALANCE SHEET

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PROFIT AND LOSS ACCOUNT

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FINANCIAL RATIOS

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CASH FLOW STATEMENT

SWOT ANALYSIS

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Bajaj Finance Limited (BFL), formerly Bajaj Auto Finance Limited, is a Non-Banking
Finance Company (NBFC) based in India. It operates as a subsidiary of Bajaj Finserv
Limited. The company serves as a Non-Banking Finance Company (NBFC) according to the
guideline given by the Reserve Bank of India (RBI). BFL operates in three business divisions
namely, Consumer Finance, SME Finance and Commercial Lending. The Consumer Finance
division offers two and three-wheeler financing, consumer durables financing, personal loan
sell, salaried loans and co-branded credit card. The Commercial Lending division offers
construction equipment finance, infrastructure finance and vendor financing. The SME
Finance division offers mortgage and business loans. BFL is headquartered in Pune,
Maharashtra, India. cross

This comprehensive SWOT profile of Bajaj Finance Limited provides you an in-depth
strategic analysis of the company's businesses and operations.

The profile has been compiled by to bring to you a clear and an unbiased view of the
company's key strengths and weaknesses and the potential opportunities and threats. The
profile helps you formulate strategies that augment your business by enabling you to
understand your partners, customers and competitors better.

This company report forms part of its 'Profile on Demand' service, covering over 50,000 of
the world's leading companies. Once purchased, its highly qualified team of company analysts
will comprehensively research and author a full financial and strategic analysis of Bajaj
Finance Limited including a detailed SWOT analysis, and deliver this direct to you in pdf
format within two business days. (Excluding weekends).

The profile contains critical company information including,

- Business description - A detailed description of the company's operations and business

divisions.

- Corporate strategy - Analyst's summarization of the company's business strategy.

- SWOT Analysis - A detailed analysis of the company's strengths, weakness, opportunities

and threats.

- Company history - Progression of key events associated with the

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company.

- Major products and services - A list of major products, services and brands of the company.

-Key competitors - A list of key competitors to the company.

- Key employees - A list of the key executives of the company.

- Executive biographies - A brief summary of the executives' employment history.

- Key operational heads - A list of personnel heading key

-departments/functions.

-Key benefits of buying this profile include,

-You get detailed information about the company and its operations to identify potential
customers and suppliers.

-The profile analyses the company's business structure, operations, major products and
services, prospects, locations and subsidiaries, key executives and their biographies and key
competitors.

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on their weaknesses. Stay up to date on the major developments affecting the company.

- The company's core strengths and weaknesses and areas of development or decline are
analysed and presented in the profile objectively. Recent developments in the company
covered in the profile been you track important events

Table of Contents
Section 1 - About the Company

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1.1-Bajaj Finance Limited- Key Information

1. 2-Bajaj Finance Limited- Overview

Section 2 - Company Analysis

2. 1-Bajaj Finance Limited- Business Description

2. 2-Bajaj Finance Limited- Corporate Strategy

Section 3 - Company Financial Performance Charts

3. 1-Bajaj Finance Limited- Financial Ratios

3.2-Bajaj Finance Limited- Capital Market Ratios

Section 4 - Appendix

List of Tables

1.1-Bajaj Finance Limited, Key Information

1.2-Bajaj Finance Limited, Key Ratios

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PESTEL

PESTLE is an acronym for Political, Economic, Social, Technological, Legal and

Environmental. It is used to analyse and assess the external environment of a business.
PESTLE analysis of Bajaj Finance Ltd. is as follows:

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Political: The political environment of India is positive for Bajaj Finance Ltd. The
government's focus on financial inclusion, financial literacy and consumer protection has
created conducive conditions for the growth of Bajaj Finance. The government has also taken
various initiatives to ensure ease of doing business and to promote financial sector
development.

Economic: The economic environment of India is favourable for Bajaj Finance Ltd. The
economic growth rate of India is one of the highest in the world and the GDP is expected to
grow at a healthy rate in the coming years. This will create opportunities for Bajaj Finance to
grow and expand its operations.

Social: The social environment in India is favourable for Bajaj Finance Ltd. The increasing
literacy rate, growing internet penetration and rising disposable incomes have created a
conducive environment for the growth of the financial services industry.

Technological: The technological environment in India is favourable for Bajaj Finance Ltd.
The introduction of new technologies such as mobile banking, internet banking, digital
payments and online lending has simplified the process of availing financial services.

Legal: The legal environment in India is favourable for Bajaj Finance Ltd. The government
has taken various measures to strengthen the legal framework for the financial services sector.
The Reserve Bank of India (RBI) has also issued various guidelines and regulations to ensure
the safety and security of customer funds.

Environmental: The environmental environment in India is also favourable for Bajaj Finance
Ltd. The government has taken various initiatives to promote sustainable development and to
reduce environmental degradation. This will create opportunities for Bajaj Finance to develop
green finance solutions and promote sustainable finance.

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