This document provides a summary of an internship project done at Bajaj Finserv. It discusses the company profile, objectives of the project, loan approval process, methodology, findings, and recommendations. The internship involved understanding Bajaj Finserv's consumer durable loan process, surveying customer perceptions, and assisting with sales during an Independence Day promotion. Key findings were that air conditioners and the Samsung brand were most popular, and awareness of 0% EMI schemes could be increased through promotions.

1. Prepared by
SURAVI PRADHAN
PGPM roll no.: 1SFT-048
Under the guidance of
Mr. Arko Paul
Mr. Bibaswan Kundu
Mr. Chandramani Karmakar
Mr. Debargha Banerjee
Mr. Kunal Mehta
Mr. Saptarshi Biswas
MARKETING OFFICER - BAJAJ FINSERV LENDING
EASTERN INSTITUTE FOR INTEGRATED LEARNING IN MANAGEMENT
6, WATERLOO STREET, KOLKATA-700069
AUGUST, 2015
A presentation on the internship done at Bajaj Finserv

2. COMPANY PROFILE
Bajaj Finserv, a diversified financial services group covering life insurance, general insurance, and having a
pan India presence. It has three major groups, those are as follows:
BAJAJ FINSERV
BAJAJ
FINANCE
LIMITED
CONSUMER
LENDING
SMALL
BUSINESS
LENDING
COMMERCIAL
LENDING
WEALTH
MANAGEMENT
DISTRIBUTION
SERVICE
BAJAJ ALLIANZ
GENERAL
INSURANCE
BAJAJ
ALLIANZ LIFE
INSURANCE
Bajaj Finance Limited is the market leader in consumer durables financing and motorcycle financing. It has
extended its services to lifestyle and digital products financing. With the help of technological advancement
spot loan approval and cross selling with Bajaj Allianz ensured to have Book size of over Rs 311 Billion as of
FY15
The company is expecting growth of 33% in its total income which is near about Rs.16,558 millions in Q1
FY2016. It is heading toward to launch additional services during this time.
The company is currently focusing on carrying out different promotional schemes and cross selling service
to increase its market share. Therefore company launched promotional schemes on consumer durables for
Independence Day.
we only handled consumer loan provided by Bajaj Finance Limited in Bajaj Finserv group.
We got the opportunity to work during independence week and our project derived from the above
mentioned company objectives.

3. OBJECTIVES OF THE PROJECT
• Understand the approval process of loan on consumer
durables provided by Bajaj Finserv.
 To find out the perception of consumers while buying
consumer durable products.
 To find out the awareness level of consumers regarding 0%
EMI schemes.
 To assist the Bajaj Finserv representatives in Khosla
electronics,Kankurgachi, and worked for achieving sales
target, collectively.

4. LOAN APPROVAL PROCESS OF
CONSUMER DURABLE
• Make consumer aware of the different schemesSTEP 1
• Knowing the eligibility criteria of the customer and provide
surrogates accordinglySTEP 2
• KYC,document verification and form fill upSTEP 3
• Online ApprovalSTEP 4
• Down PaymentSTEP 5
• Extended warrenty and emi cardSTEP 6

5. METHODOLOGY
• Sample size: 100 respondents
• Targeted Population: people available in Kankurgachi
area
• Area of survey: Kankurgachi area(Manicktala Main Road )
• Data collection period: from 24th August to 6th September
2015.
• Data collection method: data were collected through a
questionnair provided by Bajaj Finserv.

6. FINDINGS
• In Kankurgachi area majority of the respondents which is
25% have chosen AC as their preferrend consumer durable
product catagory
• Most of the people which is 33% preferred Samsung as their
preferred brand
• People mostly preferred which is 45% Khosla as their
preferred outlet.
• Most of the people which is 42% are aware of the 0%EMI
scheme.

7. RECOMMENDATION
• The company can give more emphasis on AC and brand
Samsung as potential demand is higher.
• Brands and outlets having least responses might focus more
on promotional activity and special offers during the festive
season to attract the new customer as well as exiting
customers.
• 0%EMI awareness must be increased through promotional
activity and more proactive counseling.

8. ADDITIONALACTIVITY
TASK ASSIGNED :
• Assist the Bajaj representatives to promote the Independence day scheme which
was exclusively launched for the existing customers of bajaj finserv.
• The details of a few Independence day schemes:
BRAND GROSS TENOR
NET TENOR (EMIS IN
MONTH)
DOWN
PAYMENT
SAMSUNG 15 or 10 15 or 10 0
SONY 9 9 0 or 1999 or 2999
VOLTAS 9 9 0
TOSHIBA 10 or 14 10 or 14 0
SHARP 10 10 0
LG 10 or 15 10 or 15 0
• Convince the customers in the FMCD stores to purchase products in BFL 0%
EMI finanace instead of paying in cash or go for any other competitor finance
company..

9. ACHIEVEMENT
The total no. of Loan on FMCD products
taken on 15th august :
4200
(approx)
The no. of loan on FMCD products from
Khosla electronics(kankurgachi): 79

10. Thank you