Acknowledgement

The successIul Completion oI any task would be incomplete without completing those who
made it possible through their guidance, encouragement and cooperation, which make an
eIIort successIul.
I express my Gratitude to my internal Guide M s Kavitha Desai Ior her Guidance and
encouragement to complete the project.
I would like to acknowledge the contribution to my parents and my Iriends in making the
project successIul.

I am ThankIul to our principal ProI. Kiran Reddy & Ms Kavitha Desai Ior permitting us to
carry out this project & also Ior their kind Cooperation.


Place: Bangalore
Date: ........................................

Ub|ectives of tbe Study
P7 ma7 Object;e:
To know about the company`s objectives, the nature oI the operations and
products and to understand the diIIerent schemes related to diIIerent products.

Seconda7 object;es:
To gauge the Iinancial strength and adequacy oI Bajaj Finserve Lending, a
subsidiary oI BFSL.







Founder: Jamnalal Bajaj Founded in: 1926
Employees strength: 36,000 Market Cap.: 2326.13




Ba]a] Group
An overview
Businisses: (34 companies)
- Auto (two and three wheelers) manuIacturing.
- Home appliances
- Insurance and Iinance
- Steel and allied peoducts.
Holding Company: Bajaj Holdings and Investments Ltd. (BHIL)
Flagship Company: Bajaj Auto Limited.
Bajaj Auto Ltd.: ManuIacturing services oI the group.
Bajaj Finserve Ltd.: Strategic Business consisting oI wind Iarm and Iinancial services.

BAJAJ FN8ERVE LANDNG

Corporate oIIice: Pune Employee Strength: 2,265

Listings: BSE, NSE




%e group :
ajaj Allanz Gene7al Insu7ance Co.Ltd. [ ajaj Allanz L1e Insu7ance
Co.Ltd. [ ajaj Auto Ltd. [ ajaj Fnse7; Ltd.

NDU8%RY PROFLE
An industry proIile is a brieI or comprehensive summary oI essential industry
inIormation that oIIers a perspective on the economic health oI the industry. Industry
proIiles are used Ior government and market research. Hoovers is a leading publisher oI
industry proIiles.

Non-Banking Financial Companies {NBFCs_

Non-banking Iinancial companies (NBFCs) are Iast emerging as an important

segment oI Indian Iinancial system. It is an heterogeneous group oI institutions (other
than commercial and co-operative banks) perIorming Iinancial intermediation in a
variety oI ways, like accepting deposits, making loans and advances, leasing, hire
purchase, etc. They raise Iunds Irom the public, directly or indirectly, and lend them
to ultimate spenders. They advance loans to the various wholesale and retail traders,
small-scale industries and selI-employed persons. Thus, they have broadened and
diversiIied the range oI products and services oIIered by a Iinancial sector. Gradually,
they are being recognised as complementary to the banking sector due to their
customer-oriented services; simpliIied procedures; attractive rates oI return on
deposits; Ilexibility and timeliness in meeting the credit needs oI speciIied sectors;
etc.
The working and operations oI NBFCs are regulated by the Reserve Bank oI India
(RBI)within the Iramework oI the Reserve Bank oI India Act, 1934 (Chapter III B)
and thedirections issued by it under the Act. As per the RBI Act, a 'non-banking
Iinancial company' is deIined as:- (i) a Iinancial institution which is a company; (ii) a
non banking institution which is a company and which has as its principal business
the receiving oI deposits, under any scheme or arrangement or in any other manner, or
lending in any manner; (iii) such other non-banking institution or class oI such
institutions, as the bank may, with the previous approval oI the Central Government
and by notiIication in the OIIicial Gazette, speciIy.

&nder the Act, it is mandatory Ior a NBFC to get itselI registered with the RBI as a
deposit taking company. This registration authorises it to conduct its business as an
NBFC. For the registration with the RBI, a company incorporated under
the Companies Act, 1956 and desirous oI commencing business oI non-banking
Iinancial institution, should have a minimum net owned Iund (NOF) oI Rs 25 lakh
(raised to Rs 200 lakh w.e.I April 21, 1999). The term 'NOF' means, owned Iunds
(paid-up capital and Iree reserves,minus accumulated losses, deIerred revenue
expenditure and other intangible assets) less, (i) investments in shares oI
subsidiaries/companies in the same group/ all other NBFCs; and (ii) the book value oI
debentures/bonds/ outstanding loans and advances, including hire-purchase and lease
Iinance made to, and deposits with, subsidiaries/ companies in the same group, in
excess oI 10 oI the owned Iunds.
The registration process involves submission oI an application by the company in the
prescribed Iormat along with the necessary documents Ior RBI's consideration. II the
bank is satisIied that the conditions enumerated in the RBI Act, 1934 are IulIilled, it
issues a 'CertiIicate oI Registration' to the company. Only those NBFCs holding a
valid CertiIicate oI Registration can accept/hold public deposits. The NBFCs
accepting public deposits should comply with the Non-Banking Financial Companies
Acceptance oI Public Deposits ( Reserve Bank) Directions, 1998, as issued by the
bank. Some oI the important regulations relating to acceptance oI deposits by the
NBFCs are:-
They are allowed to accept/renew public deposits Ior a minimum period oI 12
months and maximum period oI 60 months.
They cannot accept deposits repayable on demand.
They cannot oIIer interest rates higher than the ceiling rate prescribed by RBI
Irom time to time.
They cannot oIIer giIts/incentives or any other additional beneIit to the
depositors.
They should have minimum investment grade credit rating.
Their deposits are not insured.
The repayment oI deposits by NBFCs is not guaranteed by RBI.

%e types of NBFCs registered wit te RB are:-
6u5ment leasng com5an:- is any Iinancial institution whose principal
business is that oI leasing equipments or Iinancing oI such an activity.
7e-5u7chase com5an:- is any Iinancial intermediary whose principal
business relates to hire purchase transactions or Iinancing oI such transactions.
Loan com5an:- means any Iinancial institution whose principal business is
that oI providing Iinance, whether by making loans or advances or otherwise
Ior any activity other than its own (excluding any equipment leasing or hire-
purchase Iinance activity).
In;estment com5an:- is any Iinancial intermediary whose principal business
is that oI buying and selling oI securities.

Now, tese NBFCs ave been reclassified into tree
categories:-
Asset Finance Company (AFC)
Investment Company (IC) and
Loan Company (LC).

&nder this classiIication, 'AFC' is deIined as a Iinancial institution whose principal
business is that oI Iinancing the physical assets which support various
productive/economic activities in the country.


COMPANY PROFLE
BeIore starting anything it is imperative that you establish what the proIile oI your
company will be, and what is a company's policies will be. These important marketing
tools should be made known to all your staII who must have a clear picture oI what we
want to achieve, how you intend to achieve it, and what their role will be.
It is highly recommended that the policy is discussed with all your staII. They should
take part in the discussions and decisions so they Ieel involved and jointly committed to
the common decisions taken. Company policy should involve areas such as:
Type or size oI incentives or meetings you will go aIter
Presentations
Brochure
Marketing
Trade shows
hat your price policy will be
Payment schedules
Credit to clients or not
ho has authority to make an exception to an established policy
Authority oI staII Ior decision-making on routine and important matters.








ntroduction:

Bajaj Finance Ltd. (BFL) was incorporated as a Private Limited Company on 25th March,
1987. It became a deemed Public Limited Company by virtue oI Section 43(A) oI the
Companies Act, 1956 w.e.I., 20th October, 1987. Bajaj Finance Ltd was promoted by
erstwhile Bajaj Auto Limited and Bajaj Auto Holdings Limited. Bajaj Auto Limited is
one oI the leading manuIacturers oI two wheelers & three wheelers in the country and
Bajaj Auto Holdings Limited is an investment company that is a wholly owned subsidiary
company oI Bajaj Holdings & Investment Limited. As per the Scheme oI Demerger oI
erstwhile Bajaj Auto Limited, the shareholding oI Bajaj Auto Limited in BFL has now
been vested with Bajaj Finserv Limited.
Bajaj FinServ Lending is a prime example oI how an excited and engaged workIorce can
be the backbone oI a company`s success. It is our dedicated team that helps us deliver
superior customer service year aIter year to millions oI delighted customers.
e truly belive that in order Ior a company to sustain its growth, it needs to develop
leaders Irom within. Leaders who will step up to make a diIIerence to the way we do our
business but will adhere to the company's long traditions and core values.
e give our employees ample space and resources to grow and be part oI the Ioundation
oI an empowering, perIormance oriented and rewarding culture.
The most rewarding careers are built when excellence, passion and resources come
together.II you have the passion to excel and the desire to learn, we have the size, scale
and culture to provide you with options you are looking Ior.
The Iinancial services and wind energy businesses were transIerred to Bajaj FinServ
Limited (BFS) as part oI the recently concluded demerger oI Bajaj Auto Limited,
approved by the Hon. High Court oI Judicature at Bombay by its order dated December
18, 2007. The demerger is eIIective Irom the Appointed Date i.e. closing hours oI
business on March 31, 2007.
Bajaj FinServ will strive to be one oI the top Iinancial services businesses in India
Iocused on delivering superior customer experience through competitive products and

class leading services while providing consistent and superior returns to our shareholders
and maintaining the high levels oI integrity oI Bajaj.
The company is currently engaged in liIe insurance; general insurance and consumer
Iinance businesses and has plans to expand its business by oIIering a wide array oI
Iinancial products and services in India. Apart Irom Iinancial services, BFS is also active
in wind-energy generation.
Bajaj Finance Ltd is engaged primarily in the business oI Iinancing oI two wheelers,
consumer durables, personal loans, small business loans, mortgages, construction
equipment, and loan against securities.
Bajaj Finserv Lending oIIers loans Ior various needs. It oIIer loans Ior Bajaj Auto Two
heelers under the name oI Bajaj Auto Finance Ltd. It oIIer Consumer Durable Loans,
Personal Loans, Loan Against Property, Small Business Loans, Construction Equipment
Loans, Loan Against Securities and Insurance Services under the name oI Bajaj Finserv
Lending.
Bajaj Finserv Lending is one oI the most diversiIied NBFCs in the market catering to
more than 5 million customers across the country. Apart Irom being a well recognized
organization, we pride ourselves Ior holding the highest credit rating oI FAAA/Stable Ior
any NBFC in the country today. Our product oIIerings 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 Ieature across all categories and oIIer a compelling value proposition
to our customers. Our strong presence in the Indian market Ior over 23 years has enabled
us to establish a strong Ioothold here and we aim to continuously provide our customers
with premium service and exclusive beneIits.



About

Our Culture
Like all successIul businesses, Bajaj FinServ Lending believes in the power oI the
people. e are an employee-centric company and we owe our success and position to
our ork Culture, which is driven by the perIormance oI our employees. Our
Iundamentals are simple - we give every employee an equal opportunity to take
initiatives and make a diIIerence to the organisation. Every one oI us is empowered to
contribute to the growth oI Bajaj FinServ Lending and in the process, contribute to
his/her own growth and development.
Equal Opportunity Employer:
There is no Iirst among equals, we are all the same. . Each and every one oI us
contributes, at various levels, to the ultimate success oI Bajaj FinServ Lending.
ThereIore, we provide equal opportunities Ior growth to all our employees. Decisions
are taken on account oI merit, qualiIications and individual capabilities.
Discrimination oI any kind is downright condemned and no opportunity or practice is
based on race, color, religion, gender, national origin, class, political aIIiliation, age,
disability, marital status or any other characteristic protected by law.
To Ioster our employees' growth, we also provide equal opportunity on internal job
posting through programs like 'i move, and mid-year promotions based on merit
and perIormance.
%ransparent & Open Culture:
Bajaj FinServ Lending realizes that the key to building trust amongst employees and
our stake holders is transparency and open communication. e promote open
communication with an objective to be a truly transparent organization leaving no
room Ior any doubts or miscommunications. Our employees are encouraged to
communicate and express themselves through our communication channel 'HR
Genie

Rewards & Recognition:
Every outstanding perIormance deserves to be recognized and suitably rewarded.
Bajaj FinServ Lending ensures that individuals and teams get rewarded Ior their
eIIorts and contributions towards reaching their own proIessional goals and the
ultimate objective oI our organization. Every signiIicant contribution by an employee
is duly recognized throughout the year in Iorm oI awards and certiIications.
Bajaj FinServ Lending promotes the culture oI excellence amongst the employees and
rewards individuals & teams who demonstrate brilliance throughout the year under
various categories.viz:
Star oI the Month
Star oI the Quarter
Star oI the Semester
Best Business Team
Bajaj FinServ Lending also appreciates the contribution oI our Business Partners by
rewarding them through various incentive plans.

at we offer

Growt
At Bajaj FinServ Lending we don`t just oIIer you a job but we oIIer you a
chance to build a remarkable career with us. Bajaj FinServ Lending believes in
Iacilitating growth & careers oI individuals currently employed with us.
BeIore we look out Ior any external possibilities, we provide right
opportunities to our employees within the organization. Our Internal Job
Posting Policy (IJP) Policy oIIers our employees a wide array oI growth
options across various businesses.. Launched in 2008, this policy has been
very successIul in placing more than 85 employees across various Iunctions.


Benefits
Bajaj FinServ Lending values the eIIorts our employees put in to make us the
company we are today. e tailor our compensation packages to provide
maximum beneIits to our employees. e treat our employees as Iamily and
take care oI them with various beneIits.

MediClaim nsurance:
This is the insurance coverage provided to the active employee Ior any type oI
medical mishap (treatment oI any disease, illness) in any hospital as per the
norms oI the insurance policy and insurance company.

Personal Accident nsurance:
This is the insurance coverage provided to the active employee Ior treatment
oI any injury resulting Irom an accident. This also provides compensation to
the nominee in case oI death oI the employee due to an accident. In addition,
there are three categories oI disablements and this insurance also ensures that
the employee gets compensation in case oI any sort oI disablements.
- Permanent Total Disability
- Permanent Partial Disability
- Temporary Total Disability

%erm Life nsurance:
This is the insurance coverage provided to the active employee wherein the
nominee gets compensation in case oI natural or accidental death oI the
employee. This does not provide any support Ior treatment oI any bodily
injury.




Rewards & Recognition

Bajaj FinServ Lending has a comprehensive reward program with an aim to recognize
and celebrate the employees' perIormance and key milestones. The program includes
recognition Ior superior perIormance, long service tenure and values that align with
the organization DNA. These awards are spread across the Irequency and gives value
to incentivize our employees which leads to a high perIormance culture. The program
is institutionalized across the organization with a vision "Nobody recognizes the way
Bajaj FinServ Lending does".

%raining & Development
The L& D team has designed and created programs which exclusively provide a
platIorm to all the employees to enhance and nurture their skill sets. The programs
designed at Bajaj Finserv Lending are craIted to address the developmental needs oI
its employees and help them to not only develop as individuals but also ensure they
receive the appropriate support Ior their personal and organizational growth

The Leadership Development Academy was set up at Bajaj Finserv Lending to cater
to the developmental needs oI the leadership team. Varied programs in association
with the Indian School oI Business, Hyderabad, Indian Institute oI Management,
Kozhikode and Indian Institute oI Management, Ahmadabad are run throughout the
year.

ISB Hyderabad addresses the needs oI our top management team. All our Business
Heads and Function ChieIs are part oI these 5-day programs. The purpose oI these
programs is to Iacilitate cutting edge learning on strategy and leadership and cross-
industry interaction and networking.

IIM Kozhikode and IIM Ahmedabad help to Iacilitate the developmental needs Ior
our senior and middle management team. The purpose oI these programs is to create a

culture oI leadership, people development, strategic thinking, customer experience,
operational excellence and Iacilitate cross-Iunctional interaction, team building and
Iun within the participants.

The Employee Education Program was established in partnership with the top MBA
institutes oI the country. This program provides an opportunity to our top perIormers
to pursue higher education The EEP, as we call it, has not only helped in motivating
our employees but has also created immense healthy competition amongst them to
secure a place in the program year aIter year.

For our young managers, we have tied up with the best oI outbound training providers
across the country. The activities include water raIting and rock climbing among
others. The purpose is to get people Irom diIIerent businesses to come together and
Iorm an overall organizational bond while having a lot oI Iun while they learn.

In the online learning space we have iLearn, our Online Learning Management
System. iLearn is aimed at addressing diIIerent behavioural and technical training
needs. iLearn is also a tool Ior new employee induction and has a vast online library
Iull oI case studies and EBooks.

Our daily BFSI newsletter inIorms employees about the daily happenings in the
Iinancial market space and keeps them updated. eekly TBuzz newsletters are a
source to learn and stay updated on various areas oI interest, right Irom 'Health to
'here to Travel. The Book orm, the corporate library, provides access to world
renowned books on varied topics.

ith so many learning opportunities throughout the year one is sure to Ieel 365 is
less!


Vision and Mission
Nany oiganizations have attempteu to ieuefine the business they aie in, oi even
stieamline theii giowth in a specific uiiection.
An inteiesting tienu in iecent times is that companies have begun to uefine theii
visionNission Statement. A mission statement aiticulates the philosophy of the
company with iespect to the business in specific anu society in geneial. 0nce the
mission statement of the company is finalizeu anu auapteu, it pioviues a ieauymaue
guiueline to employees of the oiganization about its piinciples, policies anu
piactices.
It is impoitant heie to uistinguish between vision anu mission foi the
oiganization. vision is often iefeiieu to as skyhooks foi the soul. In fact, vision is
that igniting spaik that can inspiie anu eneigies people to uo bettei. The focus of
vision is to ieach out hungiily foi the futuie anu uiag it into the piesent. To quote
Tom Peteis, Beveloping a vision anu living it vigoiously aie essential elements of
leaueiship. The latest tienu in many oiganizations is to apply the vIP appioach
i.e. vision Integiateu Peifoimance.


V8ON

To be the most preIerred Iinancial planning and investment advisory company in

India by providing consumers with inIormed choices oI lasting value, create wealth
Ior them to make their tomorrow better than today.




M88ON

Bajaj Finserv Lending is engaged primarily in the business oI Iinancing oI two
wheelers, consumer durables, personal loans, small business loans, mortgages,
construction equipment, and loan against securities. Bajaj Finance Ltd made a Public
Issue oI Equity Shares in 1994 and its Equity Shares are listed on Bombay Stock
Exchange Limited and National Stock Exchange oI India Limited
Bajaj Capital aims to be the most useIul, reliable and eIIicient provider oI Financial
Services. It is our continuous endeavour to be a trustworthy advisor to our clients,
helping them achieve their Iinancial goals.

%eir Aims
To serve our clients with utmost dedication and integrity so that we
exceed their expectations and build enduring relationships.
To oIIer unparalleled quality oI service through complete knowledge
oI products, constant innovation in services and use oI the latest
technology.
To always give honest and unbiased Iinancial advice and earn our
cilent's everlasting trust.
To serve the community by educating individuals on the merits oI
Financial Planning and in turn help shape a Iinancially strong society.
To create value Ior all stake holders by ensuring proIitable growth.
To build an amicable environment that accords respect to every
individual and permits their personal growth.
To utilize the power oI teamwork to Iunction as a Iamily and build a
seamless organization



Acievement
Bajaj Auto Finance has renamed its brand identity as Bajaj Finserv Lending.
Bajaj Finserv is the Iinancial services company oI the Bajaj Group. Its current
business lines include:
Protection through Bajaj Allianz LiIe Insurance
Bajaj Allianz General Insurance
Lending through Bajaj Auto Finance.

Bajaj Finserv now has a new visual identity which completely embodies its
growth and services. It uses the current Bajaj logotype to identiIy and stand on
the very established and respected Bajaj identity .In addition it has a 3
dimensional seal with the B and I to make the new identity uniquely
recognizable. The color blue in the logo indicates conIidence & strength. The
round ball symbolizes the world with Iocus on India .Going Iorward, Bajaj
Finserv has developed a Iull-Iledged branding programmed Ior all its group
companies. Customers oI any oI the group companies will identiIy & associate
themselves with Bajaj Finserv. This creates a single monolithic Iinancial brand
in India which will touch the lives oI many Indians in years to come. The new
identity will be rolled out by each Bajaj Finserv company shortly.

COMPE%%OR8

Any person or entity which is a rival against another. In business, a company in the
same industry or a similar industry which oIIers a similar product or service. The presence
oI one or more competitors can reduce the prices oI goods and services as
the companies attempt to gain a larger market share. Competition also requires companies to
become more eIIicient in order to reduce costs
Three levels oI economic competition have been classiIied:

The most narrow Iorm is direct competition (also called category competition or
brand competition), where products which perIorm the same Iunction compete against
each other. For example, one brand oI pick-up trucks competes with several other
brands oI pick-up trucks. Sometimes, two companies are rivals and one adds new
products to their line, which leads to the other company distributing the same new
things, and in this manner they compete.
The next Iorm is substitute or indirect competition, where products which are close
substitutes Ior one another compete. For example, butter competes with margarine,
mayonnaise and other various sauces and spreads.
The broadest Iorm oI competition is typically called budget competition. Included in
this category is anything on which the consumer might want to spend their
availablemoney. For example, a Iamily which has $20,000 available may choose to
spend it on many diIIerent items, which can all be seen as competing with each other
Ior the Iamily's expenditure. This Iorm oI competition is also sometimes described as
a competition oI "share oI wallet".
In addition, companies also compete Ior Iinancing on the capital markets (equity or debt) in
order to generate the necessary cash Ior their operations. An investor typically will consider
alternative investment opportunities given his risk proIile and not only look at companies just
competing on product (direct competitors). Enlarging the investment universe to
include indirect competitors leads to a broader peer universe oI comparable, indirectly
competing companies.

%e ma]or competitors of Ba]a] Finance

Aditya Birla Money Ltd.
Apollo Finvest (India) Ltd.
Aravali Securities & Finance Ltd.
Axis Capital Markets (India) Ltd.
Tata Investment Corporation Ltd.
Sundaram Finance Ltd.
Blue Chip India Ltd.
Indiabulls Financial Services Ltd.

JM Financial Ltd.
Muthoot Finance Ltd.
Tokyo Finance Ltd.

Company Background

Indust7 Name:
Finance & Investments

ouse Name:
Bajaj Group

Inco75o7aton Date:
25/03/1987

Face Value:
10.0

ISIN:
INE296A01016

Ma7ket Lot: 1

Regste7ed Add7ess:
Mumbai- Pune Road,
Akurdi

Ct: Pune
State: Maharashtra
Pncode:411035

mal ID:
investor.servicebajajIinserv.in

Web
U7l:http://www.bajajIinservlending
.in

Regst7a7:
Karvy Computershare Private Ltd.
Plot No.17-24,
Vittalrao Nagar,
Madhapur

Ct: Hyderabad
State: Andhra Pradesh
Pncode:500081




Organizational structure

An organizational structure consists oI activities such as task allocation, coordination and
supervision, which are directed towards the achievement oI organizational aims.
An organization can be structured in many diIIerent ways, depending on their objectives. The
structure oI an organization will determine the modes in which it operates and perIorms.
Organizational structure allows the expressed allocation oI responsibilities Ior diIIerent
Iunctions and processes to diIIerent entities such as the branch, department
workgroup and individual.
Organizational structure aIIects organizational action in two big ways:
First, it provides the Ioundation on which standard operating procedures and routines rest.
Second, it determines which individuals get to participate in which decision-making
processes, and thus to what extent their views shape the organization`s actions.

%ypes of Organizational 8tructures
There are diIIerent types oI organizational structures and a company should choose the
one that best suits their needs.

%raditional 8tructures
These are the structures that are based on Iunctional division and departments. These
are the kind oI structures that Iollow the organization's rules and procedures to the T.
they are characterized by having precise authority lines Ior all levels in the
management. &nder types oI structures under traditional structures are:

Lne St7uctu7e - this is the kind oI structure that has a very speciIic line oI
command. The approvals and orders in this kind oI structure come Irom top to
bottom in a line. Hence the name line structure. This kind oI structure is suitable
Ior smaller organizations like small accounting Iirms and law oIIices. This is the
sort oI structure that allows Ior easy decision-making, and also very inIormal in

nature. They have Iewer departments, which makes the entire organization a very
decentralized one.

Lne and Sta11 St7uctu7e - though line structure is suitable Ior most
organizations, especially small ones, it is not eIIective Ior larger companies. This
is where the line and staII organizational structure comes into play. Line and
structure combines the line structure where inIormation and approvals come Irom
top to bottom, with staII departments Ior support and specialization. Line and staII
organizational structures are more centralized. Managers oI line and staII have
authority over their subordinates, but staII managers have no authority over line
managers and their subordinates. The decision-making process becomes slower in
this type oI organizational structure because oI the layers and guidelines that are
typical to it, and let's not Iorget the Iormality involved.

Functonal st7uctu7e - this kind oI organizational structure classiIies people
according to the Iunction they perIorm in their proIessional liIe or according to the
Iunctions perIormed by them in the organization. The organization chart Ior a
Iunctional based organization consists oI Vice President, Sales department,
Customer Service Department, Engineering or production department, Accounting
department and Administrative department.

Divisional 8tructures
This is the kind oI structure that is based on the diIIerent divisions in the organization.
These structures can be Iurther divided into:

P7oduct st7uctu7e - a product structure is based on organizing employees and
work on the basis oI the diIIerent types oI products. II the company produces three
diIIerent types oI products, they will have three diIIerent divisions Ior these
products.

Ma7ket St7uctu7e - market structure is used to group employees on the basis oI
speciIic market the company sells in. a company could have 3 diIIerent markets

they use and according to this structure, each would be a separate division in the
structure.

Geog7a5hc st7uctu7e - large organizations have oIIices at diIIerent place, Ior
example there could be a north zone, south zone, west and east zone. The
organizational structure would then Iollow a zonal region structure.

Matrix 8tructures

This is a structure, which is a combination oI Iunction, and product structures. This
combines both the best oI both worlds to make an eIIicient organizational structure. This
structure is the most complex organizational structure.
















COMPANY OVERVE : BAJAJ FNANCE

Board of Directors

3Shri Rahul Bajaj
Chairman

Shri Nanoo Pamnani
Vice Chairman

Shri Madhur Bajaj

Shri Rajiv Bajaj

Shri Sanjiv Bajaj

Shri D.S. Mehta

Shri D.J. Balaji Rao

Shri Dipak Poddar

Shri Ranjan Sanghi

Shri Rajendra
Lakhotia.
Leadersip

Rajeev Jain
ChieI Executive
OIIicer

Amit Gainda
Business Head
Mortgages

Ashish Panchal
Business Head
Credit Cards

Ashish Sapra
Business Head -
Cross Sell

Atul Jain
ChieI Collections
OIIicer

Deepak Gupta
ChieI - Human
Resources &
Development

Deepak Reddy
Business Head -
Personal & Small
Business Loans


Devang Mody
Business Head -
Sales Finance

Diwakar Pundir
ChieI -SBS
&nderwriting

Pankaj Thadani
ChieI - Financial
OIIicer

Rajesh K
ChieI Risk OIIicer

Rakesh Bhatt
ChieI - Credit Ops &
IT

R. Nagarajan
Business Head -
Loan Against
Securities

Samir Mehta
Head Commercial
Lending

Sanjeev Vij
Business Head -
Construction
Equipment





Milestone of Ba]a] Finance
Bajaj Capital has contributed to the growth oI the Indian Capital Market at every step. In
1965, we were the Iirst to innovate the Companies Fixed Deposit. Today, we are playing
an active role in the growth oI the Indian Mutual Fund industry. e are also working
closely with private insurance companies to deepen India's insurance market.

Here is a glimpse oI our journey through the years:


2000
Bajaj Capital implements its vision oI being a 'One-stop Financial Supermarket.' The
Company oIIers all kinds oI Iinancial products, including the entire range oI investment

and insurance products through its Investment Centres. Bajaj Capital oIIers 'Iull-service
merchant banking' including structuring, management and marketing oI Capital issues.
Bajaj Capital reinvents 'Financial Planning' in its international sense and upgrades its
entire team oI Investment Experts into Financial Planners.

2002
The company Iocuses on creating investor awareness Ior Financial Planning and need-
based investing. To achieve this goal, the company introduced the International College
oI Financial Planning. The graduates oI this institute become CertiIied Financial
Planners (CFPs), a coveted proIessional qualiIication.

2004
Bajaj Capital obtains the All India Insurance Broking Licence. Simultaneously, a series
oI wealth creation seminars are launched all over the country, making Bajaj Capital a
household name.

2005
Bajaj Capital launches 360 Financial Planning, a soItware-based programme aimed at
encouraging scientiIic and holistic investing.

2007
Bajaj Capital launches Stock Broking and Depository(Demat) Services.

2008
Bajaj Capital launches Just Trade, an online PlatIorm Ior investing in Equities, Mutual
Funds, IPO's




PRODUC%8 FOR YOU

Consumer Durabl e Loan

Const ructi on Equipment Finance

Home Loan

Insurance Ser vi ces

Loan Agai nst Propert y

Loan Agai nst Securit i es

Personal Loan

Small Busi ness Loan

Two heel er Loan

EMI Card

Credit Card






CON8UMER DURABLE LOAN8
N%RODUC%ON:
Bajaj Finserv Lending is one oI the leading Iinanciers in the market oIIering consumer
durable loans on EMI.
Now you can easily avail a loan Ior products like LCD, LED, Color TV, ReIrigerator,
ashing Machine, Air Conditioner, Music System, Microwave amongst a host oI other
products.

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

Don`t wait any longer, go to a dealership and take home your dream product.

Feature & Benefits
Features
Avail loans ranging Irom Rs. 7,500 to Rs. 5,00,000 Ior ashing Machines,
ReIrigerators, Colour TVs, LCDs and other consumer durables.
Apply Online or walk in to one oI our Dealer Partner showrooms and get your
loan approved in 15 minutes.
Benefits
Part Prepayment facility **
Now, be rewarded Ior repaying your loan on time and reduce your EMI or
tenor or both by using the part prepayment Iacility .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 EMI`s and there is no limit on the maximum
amount.

0 Iinance options available (Ior select schemes)
Simple process with minimum documentation.
On the spot approvals with Iastest processing.
Flexible repayment options.
ECS clearing, reducing hassle oI arranging cheques.
Pre-approved personal loan oIIers Ior existing customers*

CRED% CARD8
ntroduction
The world oI credit cards can be exciting yet conIusing. How do you Iind the right 'Iit' Ior
your needs? Introducing the Bajaj Finserv Standard Chartered Credit Card. Now shop
where you want, when you want and what's more, get rewarded Ior it. ith a host oI
built-in privileges, the BAJAJ FINSERV STANDARD CHARTERED credit card gives
you the Ireedom and power to choose and purchase at your convenience.
Bajaj Finserv Standard Chartered Credit Card comes in 2 variants - the orld Credit Card
and the Platinum Credit Card. elcome to a world oI privileges, Irom shopping, to
travelling to dining and much much more. Read all about the privileges you can enjoy
with the power oI a BAJAJ FINSERV STANDARD CHARTERED credit card.

orld Credit Card
Enjoy the best in class privileges on your Bajaj Finserv Standard Chartered orld Credit
Card. ith the multiple reward points programs, shopping is truly a rewarding
experience. Now enjoy 5 reward points Ior every Rs.100 spend at supermarkets and
departmental stores. Enjoy 5 reward points on Retail Iashion and 3 reward points on any
other spends .Enjoy a host oI beneIits right Irom travel to dining to golI and many more.

clus ;e bene1 ts

Welcome O11e7

The good liIe begins as soon as you sign up. Enjoy 6000 Reward points as an
additional bonus on payment oI your Iirst monthly bill oI your BAJAJ
FINSERV STANDARD CHARTERED credit card account.

Rewa7ds on O11e7
- 5 Reward points Ior every Rs.100/- spent at Grocery Stores
- 5 Reward points Ior every Rs.100/- spent at Departmental Stores
- 5 Reward points Ior every Rs.100/- spent at Super-Stores
- 5 Reward points Ior every Rs.100/- spent on Retail Fashion
-
Regula7 Catego7 : a7n 3 Reward points Ior every Rs.100/- spent

onus Rewa7d P7og7am : hat`s 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 Iaster. Earn Bonus points at over 1000 merchant
outlets.

Utlt ll Paments : 50 Reward points on payment oI utility bills through
Standard Chartered Bill pay service.

Monthl Rewa7ds : 2 additional Reward points per Rs.100/- on incremental
spends on regular categories above Rs.100,000 per statement cycle.

7thdas : 10 reward points Ior every Rs.100/- spent on birthdays (holder oI
the primary card).

Redem5ton O55o7tuntes : Choose Irom an exciting range oI shopping
vouchers, giIts, dining rewards, holiday packages and lots more. Visit the
online redemption rewards division at www.standardchartered.co.in Ior more
details.


Platinum Credit Card

Enjoy the best in class privileges on your Bajaj Finserv Standard Chartered Platinum
Credit Card. ith the multiple reward points programs, shopping is truly a rewarding
experience. Now enjoy 5 reward points Ior every Rs.100 spend at supermarkets and
departmental stores.
Enjoy 5 reward points on Retail Iashion and 2 reward points on any other spends .Enjoy
the; platinum class by using the welcome oIIers at select hotels and Movie theatres along
with exclusive discounts across leading brands.

clus ;e bene1 ts

elcome OIIer (Only available on Platinum credit card where a joining Iee has been
paid) . Enjoy a host oI rewards such as:

- Holiday Voucher Ior 2 nights/ 3 days at 3-star hotels in India
- Movie Voucher Ior 2 .
- Exclusive discount oIIers across leading brands.

Rewa7ds on O11e7

- 5 Reward points Ior every Rs.100/- spent at Grocery Stores
- 5 Reward points Ior every Rs.100/- spent at Departmental Stores
- 5 Reward points Ior every Rs.100/- spent at Super-Stores
- 5 Reward points Ior every Rs.100/- spent on Retail Fashion

Regula7 Catego7 : a7n 2 Reward points Ior every Rs.100/- spent

onus Rewa7d P7og7am : hat`s 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 Iaster. Earn Bonus points at over 1000 merchant
outlets.


Utlt ll Paments : 50 Reward points on payment oI utility bills through
Standard Chartered Bill pay service.

Monthl Rewa7ds : 1 additional Reward points per Rs.100/- on incremental
spends on regular categories above Rs.50,000/- per statement cycle.

7thdas : 10 reward points Ior every Rs.100/- spent on birthdays (holder oI
the primary card)
Redem5ton O55o7tuntes : Choose Irom an exciting range oI shopping
vouchers, giIts, dining rewards, holiday packages and lots more. Visit the
online redemption rewards division at www.standardchartered.co.in Ior more
details.

PER8ONAL LOAN8
ntroduction

One oI the leading players in the personal loan business, Bajaj Finserv Lending personal
loans can be availed Ior your personal use without providing security or guarantors.

You can apply online now to avail a personal loan Ior the renovation oI your home, a
marriage in the Iamily, a holiday with your Iamily, medical expenses or Ior an
emergency.

e oIIer loans that are convenient, Ilexible, come with Iast processing and have superior
Ieatures like Nil prepayment charges. Bajaj Finserv Lending personal loans will ease your
burden and add to your joys.


Features & Benefits
Features
Bajaj Finserv Lending Personal Loans comes with the Iollowing unique Features:
- Personal Loan Amount ranging between Rs.1 lac to Rs.30 lacs.
- Nil Ioreclosure charges *

Pa7t P7e5ament 1aclt * - Now, be rewarded Ior repaying your loan on
time and reduce your EMI or tenor or both by using the part prepayment
Iacility .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 EMI`s and
there is no limit on the maximum amount.
- Flexible repayment options oI 12 to 60 months
- Personal Loan details and payment options available online
ene1ts
Bajaj Finserv Lending Personal Loans comes with the Iollowing unique BeneIits:
Hassle Iree documentation & loan approval
Door Step Service
Direct Credit to your account
Attractive & customized liIe insurance products.


%O EELER LOAN
Features

Bajaj Auto Finance Ltd specializes in providing customized retail Iinance solutions to
cater to the requirements oI diIIerent customer proIiles and segments.


Bajaj Auto Finance Ltd is operational in 367 dealers and 892 outlets across the country to
Iacilitate Iast and Ilexible retail Iinance oIIerings Ior Bajaj vehicles.
For more inIormation on Bajaj Auto Finance Ltd schemes, please visit your nearest Bajaj
auto showroom.

OME LOAN8
ntroduction

Realizing dreams was never as easy as it is with Bajaj Finserv Lending. Owning a house
might be a dream Ior some, while a thoughtIul investment Ior someone else. hatever be
your need, we help you complete the picture with our home loan solutions. Our home
loans come at most convenient Ieatures and terms so that you never compromise your
needs.
Bajaj Finserv Lending oIIers home loan which helps you avail a loan between Rs. 25 lacs
and Rs. 12.5 crores, which can be paid over a term oI up to 20 years. You can avail our
home loan Ior ready or under construction residential properties or Ior residential plots.

Features & Benefits
Features
At Bajaj Finserv Lending we understand the value you attach to your home. It`s your
dream home, and we would like to help you own it through our home loans with less
hassle and most convenient terms. e extend our loans Ior your Iollowing needs:
- Purchase and construction oI residential properties.
- Purchase oI plots.
- Composite loan Ior purchase oI plots and construction.
- Balance transIer oI your existing home loans.
- Balance transIer and Top-up loan Ior your existing home loan.
You can avail loan Ior owning Iollowing properties:

- Ready to occupy properties.
- &nder construction properties.
- Purchase oI residential Plots.
- Composite loan Ior purchase oI residential plots and construction.
- SelI construction loan.
To meet the needs oI customers like you we have a complete suite oI programs that
are tailor made to your requirements, You can avail a home loan under any oI the
Iollowing programs:
No7mal Income P7og7am: You can avail loan basis your Iinancial statements.

alance T7ans1e7 + To5 u5: You can transIer your existing home loan and even
avail a top-up loan over and above the existing loan.


Alte7nate Income P7og7am: You can avail loans under our specially designed
programs with less documentation in a quick and hassle Iree manner.

Total Loans A unique oIIering to our home loan customers who are buying
ready to occupy property. hile we Iund your dream home we also understand
that you need to spend on the Iixtures and Iittings oI your residence. Bajaj Finserv
oIIers you a separate amount exclusively recognizing this need.


Re1nance II you have purchased your property within last 12 months by using
own source oI Iunds, you can avail our reIinance option and take a loan up to the
registered value oI your property.

Pa7t P7e5ament 1aclt ` -Now, be rewarded Ior repaying your loan on time
and reduce your EMI or tenor or both by using the part prepayment Iacility .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 EMI`s and there is no limit on
the maximum amount.

EM Card
ntroduction

Overview oI the Bajaj Finance Limited Existing Member IdentiIication Card (EMI Card):

At Bajaj Finance we believe in continuous innovation. It is our endeavour to introduce
innovative products that beneIit our customers keeping their convenience in mind.
The EMI card is a part oI that eIIort at innovation to provide our existing customers easy
access to consumer durable loans at 0

Features & Benefits
Features

Now buy your Iavorite LCD, ReIrigerator, Air Conditioner etc all over again, with
amazing ease and no additional documentation. hat is EMI card?
It`s a closed loop magnetic stripe card with all your inIormation available on it Ior
us to easily identiIy you.
The product lets you purchase your Iavorite consumer durables with a simple
'Swipe, Sign and Go'.
Further-more, this EMI based option oI Consumer Durable purchase empowers
you to go in Ior that dream product that you always desired right here right now,
without having to wait Ior your annual bonus or hike.
ene1 ts
0 Iinance options available (Ior select schemes)
Simple process with no documentation.
On the spot approvals with Iastest processing.
Indian Health Organization membership


Added ene1t 17om Indan ealth O7ganzaton on the MI Ca7d
Bajaj Finance has tied up with Indian Health Organization Ior oIIering Health Plan
membership to its Bajaj Finance Limited EMI Card members. The membership
entitles you to beneIit Irom Iree/concessional healthcare options which can be availed
across high quality medical establishments empanelled with Indian Health
Organization. The services are valid on both consultation and treatment with dental,
medical, pathology and radiology practitioners.















8O% Analysis

SOT Analysis is a useIul technique Ior understanding your Strengths and eaknesses, and
Ior identiIying both the Opportunities open to you and the Threats you Iace.
&sed in a business context, a SOT Analysis helps you carve a sustainable niche in your
market. &sed in a personal context, it helps you develop your career in a way that takes best
advantage oI your talents, abilities and opportunities.

Business 8O% Analysis

hat makes SOT particularly powerIul is that, with a little thought, it can help you
uncover opportunities that you are well placed to exploit. And by understanding the
weaknesses oI your business, you can manage and eliminate threats that would otherwise
catch you unawares.
More than this, by looking at yourselI and your competitors using the SOT Iramework, you
can start to craIt a strategy that helps you distinguish yourselI Irom your competitors, so that
you can compete successIully in your market.

St7engths:
hat advantages does your organization have?
hat do you do better than anyone else?
hat unique or lowest-cost resources can you draw upon that others can't?
hat do people in your market see as your strengths?
hat Iactors mean that you "get the sale"?
hat is your organization's Un6ue Sellng P7o5oston (&SP)?

Weaknesses:
hat could you improve?
hat should you avoid?
hat are people in your market likely to see as weaknesses?

hat Iactors lose you sales?

O55o7tuntes:
hat good opportunities can you spot?
hat interesting trends are you aware oI?

&seIul opportunities can come Irom such things as:
Changes in technology and markets on both a broad and narrow scale.
Changes in government policy related to your Iield.
Changes in social patterns, population proIiles, liIestyle changes, and so on.
Local events.

Th7eats:
hat obstacles do you Iace?
hat are your competitors doing?
Are quality standards or speciIications Ior your job, products or services
changing?
Is changing technology threatening your position?
Do you have bad debt or cash-Ilow problems?
Could any oI your weaknesses seriously threaten your business?








8O% ANALY88 OF BAJAJ Finance
8trengts:
Highly experienced management.
Product design and development capabilities.
Extensive R & D Iocus.
idespread distribution network.
High perIormance products across all categories.
High export to domestic sales ratio.
Great Iinancial support network (For Iinancing the automobile)
High economies oI scale.
High economies oI scope.
eaknesses:
Hasn't employed the excess cash Ior long.
Still has no established brand to match Hero Honda's Splendor in
commuter segment. Not a global player in spite oI huge volumes.
Not a globally recognizable brand (unlike the JV partner Kawasaki)
%reats:
The competition catches-up any new innovation in no time.
Threat oI cheap imported motorcycles Irom China.
Margins getting squeezed Irom both the directions (Price as well as Cost)
TATA Ace is a serious competition Ior the three-wheeler cargo segment.
Opportunities:
Double-digit growth in two-wheeler market.
&n tapped market above 180 cc in motorcycles.
More maturity and movement towards higher-end motorcycles.
The growing gearless trendy scooters and scooterette market.
Growing world demand Ior entry-level motorcycles especially in emerging
markets


Financial Report











































































Findings:
By looking at the various Iorms oI "shares" as a means to raise new capital and retained
earnings as another source. However, whilst these may be "traditional" ways oI raising
Iunds, they are by no means the only ones. There are many more sources available to
companies who do not wish to become "public" by means oI share issues. These
alternatives include bank borrowing, government assistance, venture capital and
Iranchising. All have their own advantages and disadvantages and degrees oI risk
attached.

8ources of funds:
A company might raise new Iunds Irom the Iollowing sources:
The capital markets:
new share issues, Ior example, by companies acquiring a stock market listing Ior
the Iirst time
rights issues
- Loan stock
- Retained earnings
- Bank borrowing
- Government sources
- Business expansion scheme Iunds

- Venture capital
- Franchising.
Ordinary {equity_ sares
Ordinary shares are issued to the owners oI a company. They have a nominal or 'Iace'
value, typically oI $1 or 50 cents. The market value oI a quoted company's shares
bears no relationship to their nominal value, except that when ordinary shares are
issued Ior cash, the issue price must be equal to or be more than the nominal value oI
the shares.

Preference sares
PreIerence shares have a Iixed percentage dividend beIore any dividend is paid to the
ordinary shareholders. As with ordinary shares a preIerence dividend can only be paid
iI suIIicient distributable proIits are available, although with 'cumulative' preIerence
shares the right to an unpaid dividend is carried Iorward to later years. The arrears oI
dividend on cumulative preIerence shares must be paid beIore any dividend is paid to
the ordinary shareholders.
From the company's point oI view, preIerence shares are advantageous in that:
Dividends do not have to be paid in a year in which proIits are poor, while this is
not the case with interest payments on long term debt (loans or debentures).
Since they do not carry voting rights, preIerence shares avoid diluting the control
oI existing shareholders while an issue oI equity shares would not.
&nless they are redeemable, issuing preIerence shares will lower the company's
gearing. Redeemable preIerence shares are normally treated as debt when gearing
is calculated.
The issue oI preIerence shares does not restrict the company's borrowing power, at
least in the sense that preIerence share capital is not secured against assets in the
business.
The non-payment oI dividend does not give the preIerence shareholders the right
to appoint a receiver, a right which is normally given to debenture holders.

Debentures wit a floating rate of interest
These are debentures Ior which the coupon rate oI interest can be changed by the
issuer, in accordance with changes in market rates oI interest. They may be attractive
to both lenders and borrowers when interest rates are volatile.
8ecurity
Loan stock and debentures will oIten be secured. Security may take the Iorm oI either
a Iixed charge or a Iloating charge.
Fed cha7ge; Security would be related to a speciIic asset or group oI assets,
typically land and buildings. The company would be unable to dispose oI the asset
without providing a substitute asset Ior security, or without the lender's consent.
Floatng cha7ge; ith a Iloating charge on certain assets oI the company (Ior
example, stocks and debtors), the lender's security in the event oI a deIault
payment is whatever assets oI the appropriate class the company then owns
(provided that another lender does not have a prior charge on the assets). The
company would be able, however, to dispose oI its assets as it chose until a deIault
took place. In the event oI a deIault, the lender would probably appoint a receiver
to run the company rather than lay claim to a particular asset.
Bank lending
Borrowings Irom banks are an important source oI Iinance to companies. Bank
lending is still mainly short term, although medium-term lending is quite common
these days.
Short term lending may be in the Iorm oI:
an overdraIt, which a company should keep within a limit set by the bank. Interest
is charged (at a variable rate) on the amount by which the company is overdrawn
Irom day to day;
a short-term loan, Ior up to three years. Medium-term loans are loans Ior a period
oI Irom three to ten years. The rate oI interest charged on medium-term bank

lending to large companies will be a set margin, with the size oI the margin
depending on the credit standing and riskiness oI the borrower. A loan may have a
Iixed rate oI interest or a variable interest rate, so that the rate oI interest charged
will be adjusted every three, six, nine or twelve months in line with recent
movements in the Base Lending Rate.
Finance leases
Finance leases are lease agreements between the user oI the leased asset (the lessee)
and a provider oI Iinance (the lessor) Ior most, or all, oI the asset's expected useIul
liIe.
Suppose that a company decides to obtain a company car and Iinance the acquisition
by means oI a Iinance lease. A car dealer will supply the car. A Iinance house will
agree to act as lessor in a Iinance leasing arrangement, and so will purchase the car
Irom the dealer and lease it to the company. The company will take possession oI the
car Irom the car dealer, and make regular payments (monthly, quarterly, six monthly
or annually) to the Iinance house under the terms oI the lease.
Other important characteristics oI a Iinance lease:
The lessee is responsible Ior the upkeep, servicing and maintenance oI the asset.
The lessor is not involved in this at all.
The lease has a primary period, which covers all or most oI the economic liIe oI
the asset. At the end oI the lease, the lessor would not be able to lease the asset to
someone else, as the asset would be worn out. The lessor must, thereIore, ensure
that the lease payments during the primary period pay Ior the Iull cost oI the asset
as well as providing the lessor with a suitable return on his investment.
It is usual at the end oI the primary lease period to allow the lessee to continue to
lease the asset Ior an indeIinite secondary period, in return Ior a very low nominal
rent. Alternatively, the lessee might be allowed to sell the asset on the lessor's
behalI (since the lessor is the owner) and to keep most oI the sale proceeds, paying
only a small percentage (perhaps 10) to the lessor.

8uggestions:
A Iinancing Company plays an important role towards economic development oI the
country.
Bajaj Finance is a better technique to expand the external growth Iinancing sector which
help them to increase their proIit and to economic development oI the country.

- Bajaj Finance company should not only consider Iinancial beneIits but it should also
look into overall beneIits oI the company.

%e strategies plays a very important role in Ba]a] Finance :
The strategic reasons diIIer on a case to case basis and a deal to he other. At times iI
the two Iirms have complementary business Interest Financing may result in
consolidating their position in the market.

Financing 8ould not viewed as a means of weaken te

company :
In this context the Iinancing should not be viewed as a means oI weaken the company
Iinancing but should be a solution Ior weak customers but it should also look
companies which are in proIit and well established in a particular region so that the
business oI Financing companies canmake still more eIIort to run the business
successIully.



Conclusion:
One size doesn`t Iit all..Many companies Iind that the best way to get ahead is to
expand ownership boundaries through Iinancing. For others Separating the public
ownership oI a subsidiary or business segment oIIers more advantage.
hile the private sector banks are on the there should oI improvement the public sector
bank (PSB) are slowly contemplately automation to accelerate and cover the lost ground.
To contend with new challenge posed by private sector Banks.
Capital markets oIIer a variety oI innovative long-term Iinancing arrangements Ior
multinational Iirms. For medium-term Iinancing, companies can utilize renewable
overdraIts, medium-term notes, and various underwritten rollover strategies Ior Euro
notes. Leasing provides several advantages Ior reducing corporate income taxes,
penetrating restricted capital markets, and managing political risk.
A wide variety oI Eurobonds that Ieature Iixed or Iloating rates and a choice oI
currency denominations are available. Companies can even denominate their bonds in
baskets oI currencies such as SDRs or bonds indexed to gold and commodities, or
perIormance measures. Potential investors can even be oIIered the option oI choosing
among several currencies when receiving payments oI interest and principal. The
opportunity to avoid both regulations and taxes makes the international bond markets
appealing to many companies and investors. The advantages oI international equity
markets are more diIIicult to deIine, but many large multinationals use this avenue as
well.

My Learning

Dealing with the customers

ay oI approaching them
How to do the documentation
Login process Ior the customers
EMI Schemes
Calculation oI diIIerent schemes Ior diIIerent products

BBLOGRAPY

http://www.bajajIinservlending.in
http://www.jamnalalbajajIoundation.org
www.bajajIoundation.org
www.moneycontrol.com
www.companiesandmarkets.com
www.marketpublishers.com
http://en.wikipedia.org
www.economictimes.indiatimes.com
www.investopedia.com
www.indiainIoline.com