2. DR. BABASAHEB AMBEDKAR MARATHWADA UNIVERSITY,
AURANGABAD
DEPARTMENT OF MANAGEMENT SCIENCE,
3. Introduction
As we all know India is undergoing rapid development. The living standard of people has
increased and people are moving towards a sophisticated life this means that there are
millions of people today who dream of a better life, better home, better infrastructure. This
opens various opportunities for finance companies as today they have a high potential
market in front of them where the demand of finance is huge and Bajaj Finserv has got the
opportunity to capture this market.
4. INTRODUCTION TO BAJAJ FINSERV
BAJAJ FINSERV AS A INDEPENDENT COMPANY WAS FORMED IN APRIL 2007 AFTER IT`S
DEMERGER FROM BAJAJ AUTO LIMITED AND THIS WAS DONE BECAUSE BAJAJ AS A
GROUP WANTED TO SPREAD ITS BUSINESS MORE INTO FINANCIAL SERVICES WHICH
WAS ONLY POSSIBLE BY RUNNING AN INDEPENDENT FIRM IN THAT AREA. T HIS
DEMERGER ENABLED BAJAJ FINSERV TO INDEPENDENTLY RUN ITS CORE BUS INESS OF
LENDING, INSURANCE AND WEALTH ADVISORY.
5. Mission at Bajaj Finserv
Focus on value based lending.
Continual improvement
Ensuring easy and quick accessibility to customers
Fostering team work and enhancing the capability of
team.
Total elimination of fraud practices
6. VISION AT BAJAJ FINSERV
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.
7. • Bajaj Finance Limited is basically into three types of services these are :
Consumer Finance
Durable Finance
Lifestyle Finance
Digital Product Finance
EMI Card
Personal Loan
Loan against FD
Extended Warranty
Gold Loan
Professional Loan
Home Loan
Retail EMI
E-Commerce
Co-branded Credit Card
SME Finance
E Commerce selling
Finance
Home Loan
Gold Loan
Loan Against Property
Lease Rental
Discounting
Business Loan
Loan Against Shares
Professional Loan
Commercial Lending
Auto Component Vendor
Financing
Large Value Lease Rental
Discounting
Loans Against Securities
Financial Institution
Lending
Light Engineering Finance
Corporate Finance
8. SERVICES PROVIDED AT BAJAJ FINSERV
• Bajaj Finserv is into providing financial services and basically deals in three categories namely Finance,
Investment and Insurance and these services are again subcategorized into different financial products as per
the consumer`s demand and convenience plus the product offerings.
FINANCE
Personal Loan
Home Loan
Business Loan
EMI Network
Doctor Loan
Professional Loan
Engineer Loan
Loan Against Securities
Loan Against Properties
Super Card
Special Offers
INVESTMENT
Shares & Mutual Funds
Fixed Deposit
INSURANCE
Insurance Tips
9. CONSUMER DURABLE LOAN AT GLANCE:
FEATURES & BENEFITS
• Key Features
• 0% Interest and low down payments
• Easy repayment options.
• Minimal Documentation
• Instant Approvals
• No Security Deposit
Eligibility
You must be at least 18
years of age.
Documentation
Identity &
Residence proof
Income Proof
10. PRODUCTS COVERED
• 0% interest Consumer Durables Finance is available on a wide range of products and in over
101cities across India. Hereunder is an indicative list of products covered?
• LED/LCD/CTV
• Washing Machines
• Microwave Ovens
• Refrigerators,
• Cameras/Camcorders
• Dishwashers
• Generators
• Cooking Range products
• Dryers
• Laptops / Desktops (Select)
• Smart phones (Select)
• Air purifiers / Water Purifiers / R.O.
11. SWOT ANALYSIS
• Strengths
• Efficient
• Strong Management
• Employee Strength
• Brand Name
• Technology
• Customer Loyalty
• Cost Advantages
• Weakness
• Cost Structure
• Customer Service
• Online Presence
Opportunities
Good Market Value
Emerging Markets
New Products
Innovation
International Expansion
New Markets
New Technology
Threats
Intense Competition
Government Regulations
Political Risk
Substitute Products
Change in taste & preference of Customers
Increase in number of Competitors
12. CONCLUSION
• The whole inplant training at Bajaj Finserv, was a very enlightening experience not only from the
project point of view but also from the self development point ofview. It not only trained me
regarding the project but also helped me get accustomed to the work ethics, culture and corporate
environment.
• Being a part of Bajaj Finserv, I could closely observe and learn how the organization functions, the
key improvement areas and the strategies they are building to overcome the shortcomingsalong with
the progressive and methodological customer oriented work they perform for theirclients.
• Bajaj Finserv is a very ethical organization which trained me to be the same. It trained andguided me
for my future avenues in the corporate world.