A subsidiary of Bajaj Finserv Ltd., Bajaj Finance is a deposit-taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and classified as an NBFC-Investment and Credit Company (NBFC-ICC).

Since inception, we have leveraged technology to launch 22 product lines and 46 product variants for retail, MSME and commercial consumers, with major product innovations such as EMI card and Flexi.

With significant presence across urban and rural India, our products include consumer loans, personal loans, rural loans, Loan against Securities, SME & Commercial loans, and public and corporate deposits.

We are transforming ourselves into a customer-centric, digital-first enterprise through omnipresence across physical, mobile, and web mediums, led by a payments platform.

We are focused on delivering frictionless experiences to customers through smart use of data, analytics and innovations.

Bajaj Finance has a credit rating of AAA/Stable for its Fixed Deposit program from CRISIL and ICRA, AAA/Stable for long-term borrowing from CRISIL, India Ratings, CARE and ICRA, and A1+ for short-term borrowing from CRISIL, India Ratings and ICRA. It has a long-term issuer credit rating of BBB-/Stable and a short-term rating of A-3 by S&P Global ratings.

Bajaj Finance has two wholly owned subsidiary companies: Bajaj Housing Finance Ltd, one of the fastest growing housing finance companies in the country, and Bajaj Financial Securities Ltd, an all-in-one digital stockbroker that combines demat, broking, and margin trade financing for retail and HNI clients. For further information or updates on business, please refer latest investor presentation available at https://www.aboutbajajfinserv.com/finance-investor-relations-investor-presentation

We started as a humble two-wheeler finance company, Bajaj Auto Finance Limited, incorporated on 25th March 1987. A decade later, we were registered with RBI as a Non-Bank Company.

Between 2000 and 2010, we expanded our expertise beyond two & three-wheelers and durables to business, property, and a whole host of other personal needs financing. In 2008 -2009, we launched Loan Against Property and Business Loan business. Between 2010 and 2011, loans against securities – Retail Business came into the picture.

In line with our fast-diversifying finance portfolio, we changed our name to Bajaj Finance Limited on 6th September 2010. Between 2011 and 2012, we launched the flagship product of EMI Cards and Professional Loans and Salaried Loans business.

2011-2013 was a period of innovation for us. We launched India's first and only EMI Card and the Flexisaver in 2012. Owing to this spirit of innovation, we reduced the approval time for Durable and Lifestyle Financing from 15 minutes to 5 seconds flat by 2011.

In 2013 – 2014, we grew our rural lending business and introduced the Fixed Deposits business.

We launched gold loans for the urban market in January 2016 in 60 markets, taking the total to 85 from 25 markets.

Between 2016 – 2017 we launched innovative life care finance, which allows for elective surgery to be financed, with close to 2,500 hospitals and clinics in top-30 cities as partners across the country.

Aiming to be a well-diversified company, in 2017, we picked up a nearly 11% stake in mobile wallet major Mobikwik for about Rs. 225 crores.

Bajaj Financial Securities started its operation in 2019. In 2020, the company launched Bajaj Finserv Health, and the Nanoo Pamnani Technology Innovation & Collaboration Centre was established.

It is gratifying that our endeavours to enhance the lives of our employees and customers are recognised. With a strong emphasis on growth, innovation, and well-being, we strive to become an organisation that exceeds consumer expectations by making every interaction seamless It is also our employees who translate our brand vision into reality. We support a collaborative, high-performance culture where everyone has an equal chance to be their best. Being acknowledged as a great place to work fills us with a sense of pride