Our Business Construct

Ambition

To be a leading financial services company and a viable payments player in India. Dominate with 200 MM consumers, market share of 3%-4% of total credit, 4%-5% of retail credit and 1% of payments GMV

Philosophy

To build businesses with a 10-year view anchored on prudence and risk management to deliver 'through the cycle' 21%-23% shareholder returns

Customer share

To grow our share of customer's wallet by offering all products and services in a frictionless manner and deliver highest Customer Satisfaction (CSAT) Score and Products Per Customer (PPC)

Strategy

To be an omnipresent financial services company dominant across all consumer platforms - physical, app, web, social, rewards and AI

Market share

Every business of the company to be amongst top 5 players in India in each line of business they operate in

Approach

To acquire & cross-sell across payments, bajaj-finance-ltd-ar-2024-25-assets, deposits, insurance, investments and broking products to Consumer, MSME, Commercial and Rural consumers across all consumer platforms efficiently

Technology and AI

Technology and AI-first as an organisation culture to solve all problems. Be an early adopter and invest in emerging technologies and data practices. It should result in sustained growth, lower costs, improved productivity, superior customer experience and robust controllership

Profit share

To be amongst top 20 most profitable companies in India and amongst top 5 to 6 profitable financial services companies in India in absolute terms

© Bajaj Finance Limited