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IRA SCHOOL OF CAREER STUDIES

PUNE

(2009-2011)

INDEX

Sr. No. Particular page no.

1.
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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
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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.
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Nature of
business

CONSUMER DURABLE LOANS

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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
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 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.
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Documents
Documents required Salaried Self Employed
Photo Id Proof yes Yes
Residence proof Yes Yes
One Cheque in case of ECS Yes Yes
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

Fees
& Charges

Amount Financed Slab Processing Fees

Upto 15000/- Rs.499/- to Rs.599/-*
Between Rs.15001/- & upto Rs.30,000/-* Rs.599/- to Rs.699/-
Rs.30,001/- & above Rs.699/- to Rs.799/-*

Amount
Other Charges
Foreclosure Charges NIL
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PDC Swapping Rs. 500

Cheque Bounce - Rs. 350 per cheque
Bounce Charges
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 one’s 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
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Insurance Services

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
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Suggestion

Learning’s
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