Non-Banking Financial Company

• Non-Banking Financial Companies (NBFC) are establishments that provide

financial services and banking facilities without meeting the legal
definition of a Bank.

• They are covered under the Banking regulations laid down by the Reserve
Bank of India and provide banking services like loans, credit facilities, TFCs,
retirement planning, investing and stocking in money market.

• They are restricted from taking any form of deposits from the general

public.

• These organizations play a crucial role in the economy, offering

their services in urban as well as rural areas, mostly granting loans
allowing for growth of new ventures.
 Bajaj Finance Limited
We were instructed by our respected mentors to visit a Non Banking Financial Institution, to
enquire about their Loan products.

So, we did our groundwork on the same. We found that BAJAJ FINANCE LIMITED is one of the
NBFC in the country. So, we visited our nearest BAJAJ FINANCE branch to know more about their
loan product.

Bajaj Finserv Limited was founded in 2007 and is a unit of Bajaj Holdings and Investments.
It offers loans to doctors for career enhancement, home loans, gold loans, individual Loans,
business and entrepreneur loans and is an extremely popular finance company. Apart from
these, Bajaj Finserv also provides services like wealth advisory, lending money and general
insurance.

It has over 1400 branches across the country with more than 20000 employees.

Date : 25/5/2018

Branch Name : Kalighat Branch

Branch Address : 2nd Floor, 112A, NARAYANI Complex, Rashbehari Avenue ,Near Lake Mall
Kolkata – 700029,West Bengal.

Branch Manager : Mr. Deep R Khawnra

 GOLD LOAN
Features and Benefits
Easy and secure funds. Get a loan against the gold you own, to meet your various financial needs
easily. Bajaj Finserv Gold Loan comes with a high loan limit of Rs. 10 lakh, at attractive interest
rates, with flexible repayment options for added financial ease.
High Loan Value
Loan up to Rs. 10 lakh, to fulfil all your financial requirements.
Accurate Evaluation
In-house evaluation of your gold with a carat meter, for additional security of your assets.
World-class Safety Protocols
Assured safety of your gold ornaments with strong rooms featuring world-class security
protocols, for your peace of mind.
Flexible Tenor
Flexible tenors ranging up to 12 months, to fit your repayment capacity.
Part-prepayment and Foreclosure Facility
No charges on part-prepayment or foreclosure to make the loan affordable
Flexible Payment Options
Wide range of repayment options, to make the loan more affordable for you. Choose from one
of the following repayment plans.
Part Release Facility
Facility to withdraw some of your gold ornaments, in case you need them. Get a loan against
your gold for your urgent financial needs, from weddings to medical emergencies. Apply for
Bajaj Finserv Gold Loan today.
Large capital made affordable
Business Loans
Bajaj Finserv offers easy and quick business finance up to Rs.30 lakh to small businesses at low
interest rates. Whether your business has needs for short-term loans, intermediate-term loans
or long-term loans, these loans are the perfect financing solution for your small-scale business.
Flexi Loan Facility
A unique facility helps you withdraw only what you need and repay funds as per your business
cash flow at nil-prepayment charges. Pay only interest as EMIs, and repay the principal at the
end of the tenor. Interest is charged only on the amount withdrawn, helping you to lower your
EMIs by up to 45% and acting as a big saving arm to your cash flow.

Loans up to Rs. 30 Lakh

Whether your business has needs for short-term loans, intermediate-term loans or long-term
loans, Bajaj Finserv offers business loans up to Rs.30 lakhs. You can use the loan amount to
invest in infrastructure, expand operations, buy equipment or inventory, or even to increase
working capital.
Collateral-Free Loans
Bajaj Finserv’s business loan are collateral-free, which means you won’t have to put your
personal or business assets on the line to qualify for financing. And since you don’t need to
pledge collateral, there is no requirement for appraisal of the value of your assets. As a result,
with collateral free loans, funding is much faster and requires only minimal documentation.
Online Account Access
You have the convenience of accessing your business loan statement anytime, from anywhere
online.