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IRA SCHOOL OF CAREER STUDIES PUNE (2009-2011)

INDEX

Sr. No. page no. 1.

Particular

Introduction

Introduction:

Bajaj Finserv Lending offers loans for various needs. We offer loans for Bajaj Auto Two Wheelers under the name of Bajaj Auto Finance Ltd. We offer Consumer Durable Loans, Personal Loans, Loan against Property, Small Business Loans, Construction Equipment Loans, Loan against Securities and Insurance Services under the name of Bajaj Finserv Lending. Bajaj Finserv Lending is one of the most diversified NBFCs in the market catering to more than 5 million customers across the country. Apart from being a well recognized organization, we pride ourselves for holding the highest credit rating of FAAA/Stable for any NBFC in the country today. Our product offerings include Consumer Durable Loans, Personal Loans, Loan against Property, Small Business Loans, Two-wheeler and Three-wheeler Loans, Construction Equipment Loans, Loan against Securities and Insurance Services.

Our unique products feature across all categories and offer a compelling value proposition to our customers. Our strong presence in the Indian market for over 23 years has enabled us to establish a strong foothold here and we aim to continuously provide our customers with premium service and exclusive benefits.

Nature of business

CONSUMER DURABLE LOANS

Bajaj Finserv Lending is one of the leading financiers in the market offering consumer durable loans on EMI.

Now you can easily avail a loan for products like LCD, LED, Color TV, Refrigerator, Washing Machine, Air Conditioner, Music System, Microwave amongst a host of other products.

Bajaj Finserv Lending consumer durable loan comes with 0% financing and with a small fee. You can apply online on our website and get an instant approval or visit a dealership to easily avail a loan. We provide on the spot approval with minimum documentation & fast processing.

Feature & Benefits

Features

Avail loans ranging from Rs. 7,500 to Rs. 5,00,000 for Washing Machines, Refrigerators, Colour TVs, LCDs and other consumer durables. Apply Online or walk in to one of our Dealer Partner showrooms and get your loan approved in 15 minutes.

Benefits

0% finance options available (for select schemes) Simple process with minimum documentation. On the spot approvals with fastest processing. Flexible repayment options. ECS clearing, reducing hassle of arranging cheques. Pre-approved personal loan offers for existing customers*

Eligibility & Documents

Eligibility

If you are a salaried person your age should be between 21 years to 60 years.If you are Self Employed your age should be between 21 years to 65 years.

Documents
Documents required Salaried Self Employed

Photo Id Proof Residence proof One Cheque in case of ECS Credit program specific documents ( Any one of the following) Credit Card front side photocopy Visiting Card & Employee Id proof Photocopy of RC book (Not applicable for vehicles registered after 2004 & commercial cars) Bajaj Finserv Lending existing loan Repayment Loan Account Number / Schedule (subject to not later than 18 months old) Any other Bank/NBFC Repayment Schedule Salary Slip Banking Details (latest 6 months) Account Type- OD/ CC

yes Yes Yes

Yes Yes Yes

Fees & Charges

Amount Financed Slab Processing Fees

Upto 15000/Between Rs.15001/- & upto Rs.30,000/-* Rs.30,001/- & above

Rs.499/- to Rs.599/-* Rs.599/- to Rs.699/Rs.699/- to Rs.799/-*

Amount Other Charges

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Foreclosure Charges PDC Swapping Bounce Charges NIL Rs. 500 Cheque Bounce - Rs. 350 per cheque Late payment penalty - Rs. 150

Product Categories

From luxury to comfort, from indulgence to practical, from difficult to easy - we have simplified the many little joys you wish to buy for your family. Be it the top-end LCD to bring a smile on your loved ones face or that high-end home theatre for your cricket match party or even that AC you want for your little one's room - our comprehensive loans make everything easy.

Product Categories LCD / LED /Plasma TV Air Conditioner

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TV / CTV Washing Machine Refrigerator / Fridge Microwave Oven Home Theater Systems

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Size of business

Company is dealing with following products:Product Portfolio

Consumer Durable Loan Home Loan Infrastructure Equipment Finance Loan Against Property Loan Against Securities Personal Loan Small Business Loan Two Wheeler Loan Insurance Services

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Achievements & Milestones

Bajaj Finance Ltd 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 regard to timely payment of interest and principal on the instrument by the Credit Rating and Information Services India Limited (CRISIL). In addition to this, we are also rated high in the following programs:

P1+ rating from CRISIL for Short-Term Debt Programme AA+/Stable from CRISIL and LAA+ from ICRA for Long-Term Debt Programme

We have a network of over 2,500 Bajaj Auto and consumer durable dealerships and over 63 branch offices throughout the country to cater to all the requirements of our customers. We have earned the trust and loyalty of over 50 lac satisfied customers across the country.

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Market share

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SWOT analysis

Strategies

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My role

Performance Management System

Information technology

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Decision making

Observation

Suggestion

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Learnings