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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 Durables Finance Lifestyle Finance EMI Card Consumer Finance Personal Loans Cross Sell Co-branded Credit Cards Two and three wheeler Finance Salaried Personal Loans Mortgage SME Finance Business Loans Construction Equipment Finance Commercial Lending 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 weve 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. Its 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, were 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 arent 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, its 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.
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Consumer Durables Finance Lifestyle Finance Personal loan Cross Sell Salaried Personal Loans Co-branded Credit Cards Two and three wheeler Finance Mortgage Business Loans Construction Equipment Finance Infrastructure Finance Vendor Finance

Consumer Durables 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 manufacturers 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 riskreward equation, deployments under this category grew by 53% to Rs. 586 crore. The company financed over 86,000 new customers in the current year.

Salaried Personal Loans


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.

Co-branded Credit Cards


We have entered into a strategic partnership with Standard Chartered Bank and has launched cobranded credit cards (Platinum and World Card) for customers with a good repayment track record.

Two and three wheeler Finance


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


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

Infrastructure Finance
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 Summary
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 Durables Finance Lifestyle Finance EMI Card Consumer Finance Personal Loans Cross Sell Co-branded Credit Cards Two and three wheeler Finance Salaried Personal Loans Mortgage SME Finance Business Loans Construction Equipment Finance Commercial Lending Infrastructure Finance Vendor Financing For more details and recent business update on each business, please refer to the details below.
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Consumer Durables Financing Lifestyle Finance EMI Card Personal Loan Cross Sell Salaried Personal Loans Co-Branded Credit Cards Two and Three Wheeler Finance Mortgage Business Loans Construction Equipment Finance Infrastructure Finance 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:
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LED/LCD/CTV Washing Machines Microwave Ovens Refrigerators, Cameras/Camcorders Dishwashers Generators Cooking Range products Dryers Laptops (Select) Air purifiers / Water Purifiers / R.O. Music Systems Inverters Air conditioners

0% Interest Lifestyle Finance

201 REASONS TO BUY LIFESTYLE PRODUCTS WITH 0% INTEREST FINANCE


TO KNOW MORE, CLICK HERE

Our Advantages

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Products Covered Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact us Agreements and T&C

Products Covered
0% interest Lifestyle Finance is available on a wide range of lifestyle products. Hereunder is an indicative list:

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Home improvements and furniture Modular kitchens Jacuzzi & bathroom fittings Kitchen equipments Home furnishings Luxury watches Digital lifestyle products Tablet PCs 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 Bed set Carpets Curio cabinet Customised modular kitchens Dining table Glass top dining set Hoods Library cabinet Occasional chair Separator Sofa cum bed Tableware Wardrobes Fitness equipment Bowflex Cable Cross Cross sprinter Bar unit Bedroom set Centre table Curtain stitching Day bed Dresser mirror Hobs Italian furniture Living and dining room sets Recliners Shoe cabinet Sofa sets Wall cabinet Bath and sanitary ware Book case Console Curtain tracks Dining set Electric chimney Home improvement accessories Kitchen cabinet Lounger Rugs Side table Solid rubber wood furniture Wall units

Cross trainers Fitness bike Motorized tread mill Platinum Dip Station Spin Racing bike Upright bike

Cycles Home Gym Orbitrators Recumbent bikes Sprinter (spin) bike Vibration plate

Elliptical Massage chairs and accessories Oyester steam room machine Rowers Treadmill

Extended Warranty
With 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 manufacturers warranty. Whats more, you can pay for the Extended Warranty through our convenient 0% interest EMI options.

Our Advantages

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Products Covered Features and Benefits Fees and Charges How to Apply FAQ Agreements and T&C

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 manufacturers 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) Refrigerator Washing machine Air conditioner Camera Microwave oven Personal computer Laptop iPod Home theatre Please note that appliances that are used for commercial, rental or profit generation purposes are not covered in Extended Warranty. Music system Handycam Water purifier Vacuum cleaner Dish washer Cloth dryer Air purifier Condenser dryer Kitchen appliances

EMI Cards

201 reasons to swipe your EMI card for durable and lifestyle purchases
TO KNOW MORE, CLICK HERE

Our Advantages

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Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact us Agreements and T&C

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:
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100% off on first two consultations & check-ups with each doctor OR 50% off on all consultations with each doctor 50% off on one dental X-ray & Cleaning 30% off on a basic dental treatment 25% off on any further treatments like immunizations or treatments 25% off on Lasik treatment 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

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World Credit Card Platinum Cards Eligibility and Documents Fees and Charges How to Apply FAQ Testimonials Agreements and T&C

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
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5 Reward points for every Rs.100/- spent at Grocery Stores 5 Reward points for every Rs.100/- spent at Departmental Stores 5 Reward points for every Rs.100/- spent at Super-Stores 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 Whats 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.

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Complimentary Golf at select Golf Courses in India Complimentary lessons 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 1 2 Lemon Tree Hotels Travelocity Category Travel Travel Offer Details 20% off on F&B and Best Available Rates + 20% off the Room Rates at Lemon Tree Premier Hotels Rs.1000 e Voucher with every air ticket booked
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Free rental for a month (UK/ Singapore) Free talk time worth Rs. 500 (USA/UK), Rs. 300 (Other Countries) Free Data usage up to 5 GB (USA), 500 MB (UK) 300MB (Singapore) Free SIM card delivery Waiver of activation and deactivation charges. Permanent SIM if they are frequent travelers

Matrix Mobiles

Travel
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10% off Hertz Affordable Rates First year fee waiver for Hertz #1 Club Gold membership

Hertz Car Rentals

International Deals

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Shopping Shopping

Get Choco Rocks Drink Free on bill of Rs. 150 & above Get 15% off on shopping worth Rs.2500 and above at Triumph Avail a Consultation with Trichologist including Hair Testing & Analysis & get Healthy Hair Always session worth Rs.495 complimentary > Flat 15% Off on Spa Services
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Shopping

Flat 5 % on FMCG / OTC Products Flat 7.5 % on Pharma (Medicines) Flat 10 % on Apollo Brands (Private Label Products of Apollo Pharmacy)

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Salaried Personal Loans

Our Advantages

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Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact us Testimonials Agreements and T&C

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 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. 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.

Business Loans
Now 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 whats important your Big dream for your business. To apply for a business loan just call us on 1800 2094151

Our Advantages

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Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact us Testimonials Agreements and T&C

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 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. Prompt Repayment Benefit 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. 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. 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.

Home Loans
Of 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. Whats more, there are a host of unique benefits and services to ensure all your risks are covered.

Our Advantages

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Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact us Agreements and T&C

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 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. Part Prepayment facility 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. Prompt Repayment Benefit 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. Nil Foreclosure charges Now you can choose to foreclose your loan anytime during your loan tenor without paying any foreclosure charges. 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. Customised Insurance Schemes
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Group Credit Protection Plus from Bajaj Allianz


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Non Medical Loan & Life Insurance of up to Rs. 100 Lacs Level term Plan, which means you are covered for the complete amount despite reduction/ prepayment of loan amount Coverage for the complete tenure of the loan up to a maximum of 30 years Non Medical Insurance up to Rs. 3 Crores Provides coverage against accidental death, permanent or total disability, diagnosis of critical illness and loss of job. Coverage for 5 years. 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!

Home Safe Plus from ICICI Lombard


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Bajaj Allianz SFSP Policy


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Loan Against Property


Now 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

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Product Portfolio Features and Benefits Eligibility and Documents Fees and Charges How to Apply FAQ Contact Us Testimonials Agreements and T&C

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:
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Loan Against Commercial Property Loan Against Residential Property Loan for Purchase of Commercial Property Loan Against Plot Lease Rental Discounting FlexiSaver loan

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