Bajaj Finance
|
Notifications
Notifications
|
English
  • English - EN
  • हिंदी - HI (BETA)
Sign In
EMI Card
Notifications
Notifications
Cart
Prime
  • Rewards Rewards
  • Bajaj Mall Bajaj Mall
  • Investment Mall Investment Mall
  • Insurance Mall Insurance Mall
  • Trading Mall Trading Mall
Partners
  • Fixed Deposit (IFA) Partner Fixed Deposit (IFA) Partner
  • Loan (DSA) Partner Loan (DSA) Partner
  • Debt Management Partner Debt Management Partner
  • EMI Network Partner EMI Network Partner
  • Become a Merchant Become a Merchant
  • Demat/Mutual Fund Partner Demat/Mutual Fund Partner
  • Partners Sign In Partners Sign In
Menu
  • Loans
    • All Loans
    • Personal Loan Apply Online Check Offer
      • Overview Flexi Personal Loan Features and Benefits Eligibility Calculator Fees and Charges How to Apply FAQs Manage your Loans Manage your Flexi Loans Contact Us
      • Loans for your Goals

        • Loan for Wedding
        • Loan for Higher Education
        • Loan for Home Renovation
        • Loan for Medical Emergency
    • Insta Personal Loan Check Offer Pre-approved Offer
      • Overview Features Eligibility Calculator Fees and Charges How to Apply Manage your Loans
      • Loans for your Goals

        • Loan for Wedding
        • Loan for Higher Education
        • Loan for Home Renovation
        • Loan for Medical Expenses
    • Home Loan Apply Online Check Offer

        Home Loan

      • Home Loan World Overview Features EMI Calculator Eligibility How to Apply Fees and Charges Home Loan Interest Rate
      • Balance Transfer

      • Overview Features Eligibility How to Apply Fees and Charges
      • Commercial Property Loan

      • Office Loan Shop Loan Plot purchase + construction
      • Categories

      • Home Loan for Doctors Home Loan for Self-employed Home Loan for Salaried
      • Categories

      • Home Loan Balance Transfer for Doctors Home Loan Balance Transfer for Self-employed Home Loan Balance Transfer for Salaried
    • Business Loan Apply Online Check Offer

        Unsecured

      • MSME World Overview Features EMI Calculator Eligibility How to Apply Fees & Charges Manage your Loans Manage your Flexi Loans
      • Secured

      • Overview Features EMI Calculator Eligibility How to Apply Fees & Charges Manage your Loans Manage your Flexi Loans
      • Types of Business Loans

      • Loan for Small Businesses Business Loan for Traders Business Loan for Retailers Business Loan for Service Providers Business Loan for Manufacturers
    • Gold Loan Apply Online

        New Loan

      • Overview Features EMI Calculator Eligibility How to Apply Manage your Gold Loan Interest Rate and Charges Gold Rate
      • Balance Transfer

      • Overview Features EMI Calculator Eligibility How to Apply Interest Rate and Charges
    • Loans for Doctors Apply Online Check Offer

        UNSECURED

      • Doctor World Overview Features Eligibility How to Apply Fees & Charges Manage your Loans Manage your Flexi Loans
      • SECURED

      • Overview EMI Calculator Features Eligibility How to Apply Fees and charges Manage your loan
      • Types of Doctor Loans

      • Business Loan for Doctors Personal Loan For Doctors Loan Against Property for Doctors Indemnity Insurance Medical Practice Loan
    • Loan Against Property Apply Online

        LOAN AGAINST PROPERTY

      • Overview Features EMI Calculator Eligibility How to Apply Fees & Charges Loan Against Property Interest Rate
      • BALANCE TRANSFER

      • Overview Features Eligibility How to Apply Fees & Charges
      • Commercial Property Loan

      • Loan Against Commercial Property LAP Against Industrial Property Balance Transfer LAP
    • Loans for CAs Apply Online Check Offer

        UNSECURED

      • Overview Features Eligibility How to Apply Fees & Charges Manage your Loans Manage your Flexi Loans
      • SECURED

      • Overview EMI Calculator Features Eligibility How to Apply Fees and charges Manage your loan
      • Types of CA Loans

      • Business Loan for Chartered Accountants Loan Against Property for Chartered Accountants Personal Loan for Chartered Accountants
    • Commercial Lending
      • Overview Term Loans Working Capital Products Corporate Lease Rental Discounting
    • Medical Equipment Finance Apply Online
      • Overview Features Eligibility How to Apply Fees & Charges
    • Lease Rental Discounting
    • Loan Against Securities Apply Online

        LOAN AGAINST SHARES

      • Overview Features Eligibility How to Apply Fees & Charges Manage your Loan Against Securities FAQ
      • Loan Against Mutual Funds

      • Overview Features Eligibility How to Apply Fees & Charges FAQ
      • Loan Against Insurance Policy

      • Overview Features and Benefits Eligibility How to Apply Fees and Charges FAQs
      • ESOP Financing

      • Overview Features and Benefits Eligibility How to Apply Fees and Charges FAQs
    • Two-wheeler Loan Apply Online Check Offer
      • Overview Eligibility Features Interest Rates How to Apply Manage your Two-wheeler Loan FAQs
    • New Car Finance Apply Now Check Offer
      • Auto World Overview Features Eligibility How to Apply Interest Rates and Charges FAQs Manage your loan Manage your flexi loan
    • Easy EMI Loan
    • Loan Against Car Apply Now Check Offer

        Loan Against Car

      • Auto World Overview Features and benefits Eligibility EMI Calculator Loan Against Car Eligibility Calculator Fees and charges How to Apply FAQS Manage your loan Manage your flexi loan
      • Categories

      • Used car loan Car loan balance transfer
    • Car Loan Balance Transfer and Top-up Apply Now Check Offer

        Balance Transfer

      • Auto World Overview Features and benefits Eligibility EMI Calculator Car Loan Balance Transfer and Top Up Eligibility Calculator Fees and Charges How to Apply Manage your loan FAQS Manage your flexi loan
      • Categories

      • Used car loan Loan against car
    • Group Lending Loans To Individuals
    • New Tractor Loan
    • Loan for Lawyer
    • Used Car Loan Apply Now Check Offer

        Used Car Finance

      • Auto World Explore Used Cars and Loan Overview Features and benefits Eligibility EMI Calculator Used Car Loan Eligibility Calculator Fees and charges How to Apply FAQs Manage your loan Manage your flexi loan
      • Categories

      • Loan against car Car loan balance transfer
    • Used Tractor Loan Apply Now
    • Loan Against Tractor Apply Now
    • Tractor Loan Balance Transfer Apply Now
  • All on EMI
    • Easy EMI Loan
    • Electronics
    • Two-wheelers
    • Lifestyle
    • Travel
      • Our Partner Make My Trip Goibibo IRCTC
    • Shop on Ecommerce
      • Our Partner Flipkart Amazon
    • Offers & Promotions
    • Tractor
  • Malls
    • Easy EMI Loan
    • Smartphones
    • Washing Machines
    • LED TVs
    • Refrigerators
    • Air Conditioners
    • Water Purifiers
    • Two-wheelers
    • Smartwatches
    • Laptops
    • Mattresses
    • Furniture
    • Kitchen Appliances
    • Cycles
    • Fitness Equipment
    • Air Cooler
    • Watches
    • Audio Devices
    • Camera Accessories
  • Cards
    • Insta EMI Card Apply Online
  • Investments
    • All Investments
    • Fixed Deposit Open FD
      • Overview FD Calculator Features and Benefits FD Interest Rates Eligibility and Documents How to Invest FAQs Manage your FD Contact Us
      • FIXED DEPOSIT FOR YOUR GOALS

        • Fixed Deposit for Retirement Fund
        • Fixed Deposit for Higher Education
        • Fixed Deposit for Home Expenses
        • Fixed Deposit for Wedding Expenses
    • Mutual Funds Open MF Account Explore Funds

        About the Product

      • SIP Calculator Overview Explore All MFs How to Invest FAQs Contact Us
      • Fund Category

      • Debt Funds Equity Funds Hybrid Funds ELSS Funds Thematic Funds Multi Cap Fund NFO Large Cap Mutual Funds Mid Cap Mutual Funds Small Cap Mutual Funds Liquid Mutual Funds Aggressive Hybrid Mutual Funds
      • Funds by Returns

      • 1 Month Returns 3 Months Returns 1 Year Returns 3 Years Returns Max Returns
      • Quick Links

      • Portfolio Order in progress Open mutual fund account Dashboard New Fund Offer (NFO)
    • Stock Trading Open A/C
      • Start Trading Open Demat Account Overview FAQ Contact Us
    • Partner Portal
    • Become Our Partner
  • Insurance
    • Insurance Mall
    • Health Insurance Explore Plans

        Health Insurance

      • Overview Get Quote FAQs
      • Family Health Insurance

      • Bajaj General Health Guard Insurance Plan Niva Bupa Health Plus Plan
      • Top-up Health Insurance

      • Group Activ Health Super Top-Up Bajaj General Extra Care Plus Plan
      • Partners

      • Aditya Birla Health Insurance Bajaj General Insurance Limited Niva Bupa Health Insurance Star Health Insurance ICICI Lombard General Insurance Care Health Insurance
    • Car Insurance Explore Plans

        Car Insurance

      • Overview Get Quote FAQs
      • Partners

      • Bajaj General Insurance Limited SBI General Insurance ACKO General Insurance HDFC Ergo General Insurance ICICI Lombard General Insurance TATA AIG General Insurance
      • Comprehensive Car Insurance

      • Bajaj General Car Insurance SBI General Car Insurance ACKO General Car Insurance HDFC Ergo Car Insurance ICICI Lombard Car Insurance Tata AIG General Insurance
      • Own Damage

      • Bajaj General Car Insurance SBI General Car Insurance ACKO General Car Insurance HDFC Ergo General Car Insurance ICICI Lombard Car Insurance TATA AIG General Car Insurance
    • Pocket Insurance Explore Plans

        Best Seller

      • Personal Accident Cover Super top up Cover
      • Under 699

      • Gym Injury Insurance
      • Health Must Have

      • Niva Bupa Health Plus Sports/Fitness Injury Fracture Cover Health Plus Hospital Cash
      • Monsoon Insurance

      • Dengue & Malaria Cover
    • Investment Plans Explore Plans

        Investment Plans

      • Overview Savings Plan ULIP Plan Child Plan
      • Partners

      • HDFC Life Bajaj Life Insurance Limited Life Insurance Corporation of India
      • Guaranteed Savings

      • HDFC Life Guaranteed Savings Plan
    • Life Insurance Explore Plans

        Life Insurance

      • Overview Get Quote
      • Partner

      • Bajaj Life Insurance Limited HDFC Life insurance
      • Term Insurance

      • Term Insurance Term Insurance Calculator 1 Crore Term Insurance Term Insurance Return of Premium
    • Professional Indemnity Explore Now

        Professional Indemnity

      • Overview Get Quote Bajaj General Professional Indemnity Insurance Plan
      • Partners

      • Bajaj General Insurance Limited
    • Manage your Insurance
  • Pay Bills
    • All Payments
    • Mobile Recharge Pay Now
      • Jio Airtel Vi BSNL
    • Electricity Bill Payment Pay Now
      • Maharashtra State Electricity Distbn Co Ltd West Bengal Electricity Torrent Power Tamil Nadu Electricity Board (TNEB) Central Power Distribution Corporation Ltd. of Andhra Pradesh (APCPDCL) Calcutta Electric Supply Corporation (CESC) Jaipur Vidyut Vitran Nigam (JVVNL) APEPDCL-Eastern Power Distribution CO AP Ltd South Bihar Power Distribution Company Ltd. Southern Power Distribution Co Ltd of Andhra Pradesh Purvanchal Vidyut Vitaran Nigam Limited
    • Gas Booking Pay Now
      • Indane Gas (Indian Oil) Bharat Gas (BPCL) HP Gas (HPCL)
    • Loan Repayment Pay Now
      • Bajaj Finance Limited Agent Collection DMI Finance Private Limited Annapurna Finance Private Limited-MFI Bajaj Auto Finance Ujjivan Small Finance Bank TVS Credit IIFL Finance Limited
    • FASTag Buy New Recharge
      • IDFC FIRST Bank - FASTag Airtel Payments Bank NETC FASTag ICICI Bank FASTag HDFC  Bank - FASTag State Bank of India - NETC FASTag Kotak Mahindra Bank - FASTag Axis Bank FASTag IndusInd Bank FASTag
    • DTH Pay Now
      • Dish TV Videocon D2H Airtel DTH Tata Sky Sun Direct TV
    • Credit Card Bill payment Pay Now
      • SBI Card RBL Bank Credit Card HDFC Bank Credit Card ICICI Bank Credit Card Axis Bank Credit Card DBS Credit Card BoB Credit Card IDFC FIRST Bank Credit Card Yes Bank Credit Card Kotak Mahindra Bank Credit Card AU Bank Credit Card
    • Bajaj Pay Wallet
    • Bajaj Pay Gift Card Buy Now
      • My Cards Gift Card Categories
    • Rewards
      • Rewards & Offers Flipkart Gift Card Redbus Gift Card Swiggy Gift Card Amazon Gift Card Zomato Gift Card
  • Offers
    • All Offers
    • Loans
    • Electronics and Appliances
    • Personal Loan
    • EMI Card
    • Easy EMI Loan
    • Business Loan
    • Lifestyle
    • Home Loan
    • Loan Against Property
    • Insurance
    • Doctor Loan
    • Two wheeler
    • CA Loan
    • Investment
    • Loan Against Securities
    • Broking
    • Rewards
    • Gold Loan
    • Payments
    • Used Cars
  • Services
    • Locate Us
      • Branches EMI Network Partner Stores Hospitals & Wellness Centres Insurance Network Hospitals Collection Centres Branch Locator Personal Loan Branch Locator Gold Loan Branch Locator Fixed Deposit Branch Locator Service Branch Locator
    • All Service Guides
    • Raise a Request
      • Overview Raise a Request Follow-up on an open request Re-open a closed request
    • Manage your Profile
      • Overview Contact Details Personal Details
    • Manage your Mandate
      • Overview Register Mandate Change Mandate
    • Repay your Loans
      • Overview Clear Overdue EMIs Pay Advance EMIs Part-prepay your Loans Foreclose your Loans Manage your loan settlement
    • Manage your Loans
      • Overview Consumer Durable Loans Flexi Loans Loan Against Fixed Deposit Loan Against Securities Gold Loan Two-wheeler Loan
    • Manage your Cards
      • Insta EMI card Health EMI Network Card
    • Manage your Investments
      • Fixed Deposit Systematic Deposit Plan
    • Manage your Insurance
      • Overview Policy Details Renew your Policy Claim your Policy Cancel your Policy Surrender your Policy
  • About Bajaj Finance
    • Investor Relations
    • People and Committees
    • About Us
    • Impact
    • Innovation Centre
    • Careers
  • Pay EMIs image Pay EMIs
  • Do not call image Do not call
  • Download the app image Download the app
Sign In
Main Menu
  • Electronics & Appliances
    Main Menu
    Electronics & Appliances
    • Electronics & Appliances
    • Smartphones
    • Air Conditioner
    • Air Cooler
    • Televisions
    • Washing Machines
    • Laptops
    • Refrigerators
    • Saving Offer
    • Easy EMI loan
  • Personal Loan
    Main Menu
    Personal Loan
    • Personal Loan
    • Personal Loan
    • Check Eligibility
    • Salaried Personal Loan
    • EMI Calculator
  • Bajaj Pay
    Main Menu
    Bajaj Pay
    • Bajaj Pay
    • Wallet
    • Refer & Earn
    • Mobile Recharge
    • Buy FASTag
    • Bill Payments & Other Recharges
    • Add Money
    • Autopay Mandates
  • Hot Deals
    Main Menu
    Hot Deals
    • Hot Deals
    • Deals Starting @99
    • Min. 50% off
  • Loans
    Main Menu
    Loans
    • Loans All
    • Loan Against Shares
    • Loan Against Mutual Funds
    • ESOP Financing
    • Personal Loan
    • Gold Loan
    • Business Loan
    • Loan for Doctors
    • Home Loan
    • Secured Business Loan
    • Loan Against Property
    • Loan for Chartered Accountants
    • Medical Equipment Finance
    • Loan Against Property Balance Transfer
    • Home Loan Balance Transfer
    • Commercial property loan
    • Loan Against Insurance Policy
    • Easy EMI Loan
    • Buy a Used Car
    • New Tractor Loan
    • Two-wheeler Loan
    • Loan Against Car
    • Car Loan Balance Transfer and Top-up
    • New Car Loan
    • Loan for Lawyer
    • Secured Business Loan Balance Transfer
    • Industrial Equipment Finance
    • Industrial Equipment Balance Transfer
    • Industrial Equipment Refinance
    • Used Car Loan
    • Used Tractor Loan
    • Loan Against Tractor
    • Tractor Loan Balance Transfer
    • Flexi
    • Check Loan Offer
  • Two Wheeler World
    Main Menu
    Two Wheeler World
    • Top Categories
    • Two Wheeler Loan
    • Best Sellers
    • Bike
    • Scooter
    • Electric Vehicle
    • Commuter Bike
    • Sports Bike
    • Tourer Bike
    • Cruiser Bike
    • Adventure Bike
    • Popular Brands
  • EMI Card
    Main Menu
    EMI Card
    • EMI Card
    • EMI Card
  • Share Market
    Main Menu
    Share Market
    • Share Market
    • Open Demat Account
    • Invest in IPO
    • All Stocks
    • Top Gainers
    • Top Losers
    • 52 weeks High
    • 52 weeks Low
    • Trading Account
    • Margin Trading Facility
    • Share Market
    • Loan Against Shares
  • Home Loan World
    Main Menu
    Home Loan World
    • Home Loan World
    • Home Loan
    • Transfer your existing Home loan
    • Loan against Property
    • Home Loan for Salaried
    • Home loan for self employed
    • Commercial property loan
    • Home Loan EMI Calculator
    • Home Loan eligibility calculator
  • Insurance
    Main Menu
    Insurance
    • insurance
    • Health Insurance
    • Term Life Insurance
    • ULIP Plan
    • Savings Plan
    • Family Insurance
    • Senior Citizen Health Insurance
    • Critical Illness Insurance
    • Child Health Insurance
    • Pregnancy and Maternity Health Insurance
    • Individual Health Insurance
    • Low Income Health Insurance
    • Student Health Insurance
    • Group Health Insurance
    • Retirement Plans
    • Child Plans
    • Investment Plans
    • Personal Accident Care
    • EMI/SIP Cover
    • Dengue Cover
    • Niva Bupa Health Plus
    • Health Plus Hospital Cash
    • Four Wheeler Insurance
  • MSME World
    Main Menu
    MSME World
    • MSME World
    • Business Loan
    • Secured Business Loan
    • Secured Business Loan Balance Transfer
    • Loan against property
    • Loans against property balance transfer
    • Loan for Doctors
    • Loan for Chartered Accountants
    • Loan for Lawyers
    • Loan against shares
    • Home Loan
    • Loans against mutual funds
    • Loan against insurance policy
    • Industrial Equipment Finance
    • Industrial Equipment Balance Transfer
    • Industrial Equipment Refinance
  • Gold Loan
    Main menu
    Gold Loan
    • Gold Loan
    • Apply for Gold Loan
    • Transfer your Gold Loan with us
  • Investments
    Main Menu
    Investments
    • Investment Bazaar
    • Invest in IPO
    • Open Mutual Fund Account
    • Renew Fixed Deposit
    • Fixed Deposit
    • ULIP Plan
    • Savings Plan
    • Retirement Plans
    • Child Plans
    • Free Demat Account
    • Invest in Stocks
    • Margin Trading Facility
    • Equity Mutual Funds
    • Debt Mutual Funds
    • Hybrid Mutual Funds
    • New Fund Offers
    • Open Mutual Fund Account
  • Auto World
    Main Menu
    Auto World
    • Auto World
    • New Car Loan
    • Used Car Loan
    • Loan Against Car
    • Car Loan Balance Transfer
    • My Garage
    • Buy a Used Car
  • Easy EMI Loan
    Main Menu
    Easy EMI Loan
    • Easy EMI Loan
    • Mobile on EMI
    • AC on EMI
    • Air Cooler on EMI
    • LED TV on EMI
    • Refrigerator on EMI
    • Kitchen Appliances on EMI
    • Washing Machine on EMI
    • Electronics on EMI
  • Calculators
    Main Menu
    Calculators
    • Calculators
    • EMI Calculator
    • Personal Loan Eligibility Calculator
    • Home Loan Eligibility Calculator
    • Good & Service Tax (GST) Calculator
    • Flexi Day Wise Interest Calculator
    • Flexi Transaction Calculator
    • Secured Business Loan Eligibility Calculator
    • Fixed Deposits Interest Calculator
    • All Calculator
    • Used Tractor Loan EMI Calculator
  • Lifestyle
    Main Menu
    Lifestyle
    • Lifestyle
    • Hot Deals
    • Kitchen Appliances
    • Tyres
    • Camera & Accessories
    • Mattresses
    • Furniture
    • Watches
    • Music & Audio
    • Cycles
    • Mixer & Grinder
    • Fitness Equipment
    • Fans
  • Doctor World
    Main Menu
    Doctor World
    • Doctor World
    • Personal Loan for Doctors
    • Business loan for Doctors
    • Medical Equipment Finance
    • Secured Business Loan
    • Loan against property
    • Secured Business Loan Balance Transfer
    • Loan against share
    • Gold Loan
    • Home Loan
  • Engagement Zone
    Main Menu
    Engagement Zone
    • Engagement Zone
    • Smart Hub
    • ITR Service
    • My Garage
    • Digi Sarkar
  • Deals & Savings
    Main Menu
    Deals & Savings
    • Deals & Savings
    • Easy Emi
    • Offer World
    • 1 EMI Off
    • New Launches
    • Zero Down Payment
    • Clearence Sale
    • Bajaj Mall
    • Savings Offer
  • Mobiles on EMI
    Main Menu
    Mobiles on EMI
    • Mobiles on EMI
    • Mobiles under ₹20,000
    • Mobiles under ₹25,000
    • Mobiles under ₹30,000
    • Mobiles under ₹35,000
    • Mobiles under ₹40,000
    • Mobiles under ₹50,000
  • Articles
    Main Menu
    Articles
    • Articles
    • Articles
  • Loan Payment
    Main Menu
    Loan Payment
    • Pay your EMIs
    • Overdue Payments
    • Other Payments
  • Bank Details / Documents
    Main Menu
    Bank Details / Documents
    • Bank Details / Documents
    • Document Center
    • Bank details & Documents
    • Tax Invoice Certificate
  • Do Not Call & Consent Management
    Main Menu
    Do Not Call & Consent Management
    • Do Not Call & Consent Management
    • Do Not Call Service
    • Revoke My Communication Consent
  • Your Things
    Main Menu
    Your Things
    • Your Things
    • Hamara Mall Orders
    • Your Order
  • Rewards
    Main Menu
    Rewards
    • Rewards
    • Explore Bajaj Prime
    • Explore Rewards
    • Buy Deals & Gift cards
  • What's New
    Main Menu
    What's New
    • What's New
    • Trade directly with your Demat A/c
    • ITR
    • My Garage
  • Videos
    Main Menu
    Videos
    • Videos
    • Video Wall
    • Live Videos
  • All on EMI
    Main Menu
    All on EMI
    • All on EMI
    • Smartphones
    • Air Conditioner
    • Air Cooler
    • Washing Machines
    • Laptops
    • Kitchen Appliances
    • Mattresses
    • Furniture
    • Refrigerators
    • LED TVs
    • Savings Offer
    • Water Purifiers
    • Tablets
    • Music and Audio
    • Cameras & Accessories
    • Cycle
    • Watches
    • Tyres
    • Luggage & Travel
    • Fitness Equipment
    • Tractor
    • Easy EMI Loan
  • Brand Offers
    Main Menu
    Brand Offers
    • Brand Offers
    • Voltas ACs
    • vivo Mobiles
    • Bluestar ACs
    • OPPO Mobiles
    • Sony LED TVs
    • Aisen Air Coolers
    • Godrej Air Coolers
    • Lloyd Air Coolers
    • LG ACs
  • Tractor World
    Main Menu
    Tractor World
    • Tractor World
    • New Tractor Loan
    • Used Tractor Loan
    • Loan Against Tractor
    • Tractor Loan Balance Transfer
  • New Car Loan
    Main Menu
    New Car Loan
    • New Car Loan
    • New Car Loan
    • New Cars Under ₹10 Lakh
    • New Cars - ₹10 - ₹15 Lakh
    • New Cars - ₹15 - ₹20 Lakh
    • New Cars - ₹20 - ₹25 Lakh
    • New Car Brands
    • Petrol - New Cars
    • Diesel - New Cars
    • Electric - New Cars
    • CNG - New Cars
    • Hybrid - New Cars
  • Account & Settings
    Main Menu
    Account & Settings
    • Account & Settings
    • Update Profile
    • Manage Consent
    • Refer and Earn
    • About Us
    • Important Information
    • Terms of Service
    • Privacy Policy
    • Fair Practice Code
    • Citizen Charter
    • Innovation Centre
    • LogOut
  • Language
    Main Menu
    Select Language
    • English - EN
    • हिंदी - HI (BETA)

  • Follow Us
    Facebook Youtube Instagram
  • Home
  • Service
  • Scan QR Scan QR
  • Offers
  • Menu
  • Service Chat
Electronics & Appliances
Electronics & Appliances
Smartphones

Smartphones

Air Conditioner

Air Conditioner

Air Cooler

Air Cooler

Televisions

Televisions

Washing Machines

Washing Machines

Laptops

Laptops

Refrigerators

Refrigerators

Saving Offer

Saving Offer

Easy EMI loan

Easy EMI loan

Personal Loan
Personal Loan
Personal Loan

Personal Loan

Check Eligibility

Check Eligibility

Salaried Personal Loan

Salaried Personal Loan

EMI Calculator

EMI Calculator

Bajaj Pay
Bajaj Pay
Wallet

Wallet

Refer & Earn

Refer & Earn

Mobile Recharge

Mobile Recharge

Buy FASTag

Buy FASTag

Bill Payments & Other Recharges

Bill Payments & Other Recharges

Add Money

Add Money

Autopay Mandates

Autopay Mandates

Hamara Mall Deals
Hot Deals
Deals Starting @99

Deals Starting @99

Min. 50% off

Min. 50% off

Loans
Loans All
Loan Against Shares

Loan Against Shares

Loan Against Mutual Funds

Loan Against Mutual Funds

ESOP Financing

ESOP Financing

Personal Loan

Personal Loan

Gold Loan

Gold Loan

Business Loan

Business Loan

Loan for Doctors

Loan for Doctors

Home Loan

Home Loan

Secured Business Loan

Secured Business Loan

Loan Against Property

Loan Against Property

Loan for Chartered Accountants

Loan for Chartered Accountants

Medical Equipment Finance

Medical Equipment Finance

Loan Against Property Balance Transfer

Loan Against Property Balance Transfer

Home Loan Balance Transfer

Home Loan Balance Transfer

Commercial property loan

Commercial property loan

Loan Against Insurance Policy

Loan Against Insurance Policy

Easy EMI Loan

Easy EMI Loan

Buy a Used Car

Buy a Used Car

New Tractor Loan

New Tractor Loan

Two-wheeler Loan

Two-wheeler Loan

Loan Against Car

Loan Against Car

Car Loan Balance Transfer and Top-up

Car Loan Balance Transfer and Top-up

New Car Loan

New Car Loan

Loan for Lawyer

Loan for Lawyer

Secured Business Loan Balance Transfer

Secured Business Loan Balance Transfer

Industrial Equipment Finance

Industrial Equipment Finance

Industrial Equipment Balance Transfer

Industrial Equipment Balance Transfer

Industrial Equipment Refinance

Industrial Equipment Refinance

Used Car Loan

Used Car Loan

Used Tractor Loan

Used Tractor Loan

Loan Against Tractor

Loan Against Tractor

Tractor Loan Balance Transfer

Tractor Loan Balance Transfer

Flexi

Flexi

Check Loan Offer

Check Loan Offer

Two Wheeler World
Top Categories
Two Wheeler Loan

Two Wheeler Loan

Best Sellers

Best Sellers

Bike

Bike

Scooter

Scooter

Electric Vehicle

Electric Vehicle

Commuter Bike

Commuter Bike

Sports Bike

Sports Bike

Tourer Bike

Tourer Bike

Cruiser Bike

Cruiser Bike

Adventure Bike

Adventure Bike

Popular Brands

Popular Brands

EMI Card
EMI Card
EMI Card

EMI Card

Share Market
Share Market
Open Demat Account

Open Demat Account

Invest in IPO

Invest in IPO

All Stocks

All Stocks

Top Gainers

Top Gainers

Top Losers

Top Losers

52 weeks High

52 weeks High

52 weeks Low

52 weeks Low

Trading Account

Trading Account

Margin Trading Facility

Margin Trading Facility

Share Market

Share Market

Loan Against Shares

Loan Against Shares

Home Loan World
Home Loan World
Home Loan

Home Loan

Transfer your existing Home loan

Transfer your existing Home loan

Loan against Property

Loan against Property

Home Loan for Salaried

Home Loan for Salaried

Home loan for self employed

Home loan for self employed

Commercial property loan

Commercial property loan

Home Loan EMI Calculator

Home Loan EMI Calculator

Home Loan eligibility calculator

Home Loan eligibility calculator

Insurance
insurance
Health Insurance

Health Insurance

Term Life Insurance

Term Life Insurance

ULIP Plan

ULIP Plan

Savings Plan

Savings Plan

Family Insurance

Family Insurance

Senior Citizen Health Insurance

Senior Citizen Health Insurance

Critical Illness Insurance

Critical Illness Insurance

Child Health Insurance

Child Health Insurance

Pregnancy and Maternity Health Insurance

Pregnancy and Maternity Health Insurance

Individual Health Insurance

Individual Health Insurance

Low Income Health Insurance

Low Income Health Insurance

Student Health Insurance

Student Health Insurance

Group Health Insurance

Group Health Insurance

Retirement Plans

Retirement Plans

Child Plans

Child Plans

Investment Plans

Investment Plans

Personal Accident Care

Personal Accident Care

EMI/SIP Cover

EMI/SIP Cover

Dengue Cover

Dengue Cover

Niva Bupa Health Plus

Niva Bupa Health Plus

Health Plus Hospital Cash

Health Plus Hospital Cash

Four Wheeler Insurance

Four Wheeler Insurance

MSME World
MSME World
Business Loan

Business Loan

Secured Business Loan

Secured Business Loan

Secured Business Loan Balance Transfer

Secured Business Loan Balance Transfer

Loan against property

Loan against property

Loans against property balance transfer

Loans against property balance transfer

Loan for Doctors

Loan for Doctors

Loan for Chartered Accountants

Loan for Chartered Accountants

Loan for Lawyers

Loan for Lawyers

Loan against shares

Loan against shares

Home Loan

Home Loan

Loans against mutual funds

Loans against mutual funds

Loan against insurance policy

Loan against insurance policy

Industrial Equipment Finance

Industrial Equipment Finance

Industrial Equipment Balance Transfer

Industrial Equipment Balance Transfer

Industrial Equipment Refinance

Industrial Equipment Refinance

Gold Loan
Gold Loan
Apply for Gold Loan

Apply for Gold Loan

Transfer your Gold Loan with us

Transfer your Gold Loan with us

Investment Bazaar
Investment Bazaar
Invest in IPO

Invest in IPO

Open Mutual Fund Account

Open Mutual Fund Account

Renew Fixed Deposit

Renew Fixed Deposit

Fixed Deposit

Fixed Deposit

ULIP Plan

ULIP Plan

Savings Plan

Savings Plan

Retirement Plans

Retirement Plans

Child Plans

Child Plans

Free Demat Account

Free Demat Account

Invest in Stocks

Invest in Stocks

Margin Trading Facility

Margin Trading Facility

Equity Mutual Funds

Equity Mutual Funds

Debt Mutual Funds

Debt Mutual Funds

Hybrid Mutual Funds

Hybrid Mutual Funds

New Fund Offers

New Fund Offers

Open Mutual Fund Account

Open Mutual Fund Account

Auto World
Auto World
New Car Loan

New Car Loan

Used Car Loan

Used Car Loan

Loan Against Car

Loan Against Car

Car Loan Balance Transfer

Car Loan Balance Transfer

My Garage

My Garage

Buy a Used Car

Buy a Used Car

Easy EMI Loan
Easy EMI Loan
Mobile on EMI

Mobile on EMI

AC on EMI

AC on EMI

Air Cooler on EMI

Air Cooler on EMI

LED TV on EMI

LED TV on EMI

Refrigerator on EMI

Refrigerator on EMI

Kitchen Appliances on EMI

Kitchen Appliances on EMI

Washing Machine on EMI

Washing Machine on EMI

Electronics on EMI

Electronics on EMI

Calculators
Calculators
EMI Calculator

EMI Calculator

Personal Loan Eligibility Calculator

Personal Loan Eligibility Calculator

Home Loan Eligibility Calculator

Home Loan Eligibility Calculator

Good & Service Tax (GST) Calculator

Good & Service Tax (GST) Calculator

Flexi Day Wise Interest Calculator

Flexi Day Wise Interest Calculator

Flexi Transaction Calculator

Flexi Transaction Calculator

Secured Business Loan Eligibility Calculator

Secured Business Loan Eligibility Calculator

Fixed Deposits Interest Calculator

Fixed Deposits Interest Calculator

All Calculator

All Calculator

Used Tractor Loan EMI Calculator

Used Tractor Loan EMI Calculator

Lifestyle
Lifestyle
Hot Deals

Hot Deals

Kitchen Appliances

Kitchen Appliances

Tyres

Tyres

Camera & Accessories

Camera & Accessories

Mattresses

Mattresses

Furniture

Furniture

Watches

Watches

Music & Audio

Music & Audio

Cycles

Cycles

Mixer & Grinder

Mixer & Grinder

Fitness Equipment

Fitness Equipment

Fans

Fans

Doctor World
Doctor World
Personal Loan for Doctors

Personal Loan for Doctors

Business loan for Doctors

Business loan for Doctors

Medical Equipment Finance

Medical Equipment Finance

Secured Business Loan

Secured Business Loan

Loan against property

Loan against property

Secured Business Loan Balance Transfer

Secured Business Loan Balance Transfer

Loan against share

Loan against share

Gold Loan

Gold Loan

Home Loan

Home Loan

Engagement Zone
Engagement Zone
Smart Hub

Smart Hub

ITR Service

ITR Service

My Garage

My Garage

Digi Sarkar

Digi Sarkar

Offers for You
Deals & Savings
Easy Emi

Easy Emi

Offer World

Offer World

1 EMI Off

1 EMI Off

New Launches

New Launches

Zero Down Payment

Zero Down Payment

Clearence Sale

Clearence Sale

Bajaj Mall

Bajaj Mall

Savings Offer

Savings Offer

Mobiles on EMI
Mobiles on EMI
Mobiles under ₹20,000

Mobiles under ₹20,000

Mobiles under ₹25,000

Mobiles under ₹25,000

Mobiles under ₹30,000

Mobiles under ₹30,000

Mobiles under ₹35,000

Mobiles under ₹35,000

Mobiles under ₹40,000

Mobiles under ₹40,000

Mobiles under ₹50,000

Mobiles under ₹50,000

Articles
Articles
Articles

Articles

Loan Repayments
Pay your EMIs
Overdue Payments

Overdue Payments

Other Payments

Other Payments

Bank Details / Documents
Bank Details / Documents
Document Center

Document Center

Bank details & Documents

Bank details & Documents

Tax Invoice Certificate

Tax Invoice Certificate

Do Not Call & Consent Management
Do Not Call & Consent Management
Do Not Call Service

Do Not Call Service

Revoke My Communication Consent

Revoke My Communication Consent

Your Things
Your Things
Hamara Mall Orders

Hamara Mall Orders

Your Order

Your Order

Rewards
Rewards
Explore Bajaj Prime

Explore Bajaj Prime

Explore Rewards

Explore Rewards

Buy Deals & Gift cards

Buy Deals & Gift cards

What's New
What's New
Trade directly with your Demat A/c

Trade directly with your Demat A/c

ITR

ITR

My Garage

My Garage

Videos
Videos
Video Wall

Video Wall

Live Videos

Live Videos

Offers for You
All on EMI
Smartphones

Smartphones

Air Conditioner

Air Conditioner

Air Cooler

Air Cooler

Washing Machines

Washing Machines

Laptops

Laptops

Kitchen Appliances

Kitchen Appliances

Mattresses

Mattresses

Furniture

Furniture

Refrigerators

Refrigerators

LED TVs

LED TVs

Savings Offer

Savings Offer

Water Purifiers

Water Purifiers

Tablets

Tablets

Music and Audio

Music and Audio

Cameras & Accessories

Cameras & Accessories

Cycle

Cycle

Watches

Watches

Tyres

Tyres

Luggage & Travel

Luggage & Travel

Fitness Equipment

Fitness Equipment

Tractor

Tractor

Easy EMI Loan

Easy EMI Loan

Brand Offers
Brand Offers
Voltas ACs

Voltas ACs

vivo Mobiles

vivo Mobiles

Bluestar ACs

Bluestar ACs

OPPO Mobiles

OPPO Mobiles

Sony LED TVs

Sony LED TVs

Aisen Air Coolers

Aisen Air Coolers

Godrej Air Coolers

Godrej Air Coolers

Lloyd Air Coolers

Lloyd Air Coolers

LG ACs

LG ACs

Tractor World
New Tractor Loan

New Tractor Loan

Used Tractor Loan

Used Tractor Loan

Loan Against Tractor

Loan Against Tractor

Tractor Loan Balance Transfer

Tractor Loan Balance Transfer

New Car Loan
New Car Loan
New Car Loan

New Car Loan

New Cars Under ₹10 Lakh

New Cars Under ₹10 Lakh

New Cars - ₹10 - ₹15 Lakh

New Cars - ₹10 - ₹15 Lakh

New Cars - ₹15 - ₹20 Lakh

New Cars - ₹15 - ₹20 Lakh

New Cars - ₹20 - ₹25 Lakh

New Cars - ₹20 - ₹25 Lakh

New Car Brands

New Car Brands

Petrol - New Cars

Petrol - New Cars

Diesel - New Cars

Diesel - New Cars

Electric - New Cars

Electric - New Cars

CNG - New Cars

CNG - New Cars

Hybrid - New Cars

Hybrid - New Cars

Account & Settings
Account & Settings
Update Profile

Update Profile

Manage Consent

Manage Consent

Refer and Earn

Refer and Earn

About Us

About Us

Important Information

Important Information

Terms of Service

Terms of Service

Privacy Policy

Privacy Policy

Fair Practice Code

Fair Practice Code

Citizen Charter

Citizen Charter

Innovation Centre

Innovation Centre

Logout

LogOut

Follow Us
Facebook Youtube Instagram
Help & Support
Relations
Your Messages
Profile
Loan Payments
Select Language
  • English - EN
  • हिंदी - HI (BETA)
  • Meaning
  • Key takeaways
  • Formula
  • Calculation
  • How it works
  • Increase
  • Example
  • High Vs Low
  • Difference
  • Conclusion
Article 9

The gross margin ratio, which is also called the gross profit margin ratio, can be defined as the profitability ratio that compares a company’s gross margin to its revenue. The gross margin ratio shows you how much profit your company has made after paying off its costs of goods sold or COGS. The gross margin ratio gives an indication towards the percentage of each dollar of revenue that a company retains as gross profit. It is an important financial metric that analysts use for the assessment of the financial health of a company. To put it simply, the gross margin ratio tells you how much money your company is making after taking care of all the business costs.

What is the gross margin ratio?

The gross margin ratio or gross profit margin is a financial metric which is used by analysts to measure the profitability of a company. The gross margin ratio formula is such that it compares a company’s gross profit to its net sales. The gross margin ratio is represented in percentage, and aids in businesses understanding the amount of money that remains after the company has covered the costs of goods sold or COGS. By calculating the gross margin ratio, a company measures the efficiency of their operations. A higher gross margin indicates that a company is more profitable.

Key takeaways

Here are the key takeaways on gross margin ratio:

  • The gross margin ratio is a metric used by financial analysts that calculates the company’s net sales minus its COGS or cost of goods sold.
  • The gross margin ratio is also expressed as the gross profit as a percentage of net sales.
  • The gross margin ratio will show you the profits that your company has made before deducting the general, selling, and administrative costs - which are all taken into consideration while calculating a company’s net profit margin.

Gross margin ratio formula

The gross margin ratio formula is as follows:

Gross Profit Margin = (Net Sales - COGS) / Net Sales

To calculate the gross margin ratio of a company, you first have to subtract the cost of goods sold from the net sales, which is the company’s gross revenues minus its returns, discounts, and allowances. Once that is done, you have to divide this figure by the company’s net sales to get the results of gross profit margin as percentage.

How do you calculate the gross margin ratio?

To calculate the gross profit margin ratio of your company, there are two important inputs that you have to take into consideration.

  • Total revenue: The total revenue is a figure that represents the gross sales from a specific service or product.
  • Cost of goods sold or COGS: The COGS is a figure which represents all the direct costs associated with the production of the specific service or product. Direct costs may include raw materials, labour, and equipment. These costs do not include other costs related to marketing, business administration or taxes.

Now, you have to plug these figures into the gross margin ratio formula as given below:

Gross margin ratio = (Total revenue - COGS) / Total revenue

This will give you a ratio which can be converted into a percentage and reflects whether your company is efficiently manufacturing all its product offerings or not. A higher gross margin ratio is an indication that the company is efficient when it comes to manufacturing.

Build your wealth with SIP

How gross profit margin works?

Gross profit is the total profit of a company after deducting its costs of doing business (particularly its COGS), and is expressed as a rupee value. The gross margin ratio, however, is represented in percentage.

The gross margin ratio is among the key metrics that is used by investors and analysts for conducting the assessment of the financial health and efficiency of a company. Companies use the gross profit margin for identifying areas for sales improvement as well as cost cuttings. A higher gross margin ratio indicates that the operations of the company are more efficient. On the other hand, a low gross margin ratio indicates that your company needs improvement in terms of its operations.

Adjusting product pricing can significantly influence the gross profit margin of a company. Typically, setting higher prices can enhance gross margins, but if the prices are too high, it could drive away customers, leading to a decline in market share. Therefore, it is essential to carefully balance pricing strategies to sustain profitability while retaining customer loyalty.

Fluctuating margins can sometimes be seen as a sign of poor management or underlying product issues. However, these variations may also reflect deliberate and necessary operational changes. For instance, the initial high costs associated with automating processes might temporarily reduce margins but are often justified by the long-term savings these changes bring. Over time, such investments are expected to lower overall expenses, particularly by reducing labor costs, thereby improving margins.

Temporary volatility in gross profit margins should not be a cause for immediate concern. For example, while the initial capital required for automating supply chain processes might seem substantial, this investment is likely to pay off in the long run. The reduction in labor costs and increased efficiency from automation will ultimately decrease the cost of goods, leading to improved profitability. The key is to maintain a long-term perspective and manage these transitions strategically to ensure that the business remains competitive and profitable.

How does a company increase its gross profit margin?

The gross margin ratio is used to measure how profitably your company can sell its inventory. There are two ways that are typically used to achieve a higher gross margin ratio:

  1. Buy inventory at a lesser price: If a company can secure a significant purchase discount on its inventory or source its products from a rather affordable supplier, the company’s gross profit ratio will improve and result in being higher, as the COGS will be lower in that case.
  2. Mark up goods: Marking up goods, or selling goods at higher prices, also results in a higher gross margin ratio. However, you need to do this competitively. Otherwise, having too expensive goods and lesser numbers of customers will not be profitable for the company.

Example of gross profit margin

Let us suppose that a shoe company has made a gross profit of Rs. 28.7 lakhs by selling its athletic sneakers. The COGS or cost of goods sold (which includes factory equipment, raw materials, and employee salaries) comes to Rs. 19.248 lakhs. Here is the gross margin ratio formula that you would now have to use:

Gross margin ratio: (Rs. 28,70,000 – Rs. 19,24,800) / Rs. 28,70,000

Which gives you 0.32933

Now, on multiplying this figure by 100, it results in a 32.9% profit margin.

What’s the difference between a high and low gross profit margin?

A high gross profit margin meaning can be defined as a company is efficiently controlling its production costs relative to its sales, resulting in greater profit for each unit sold. This typically reflects effective operations, strong pricing strategies, and robust demand. On the other hand, a low gross profit margin indicates there are challenges such as higher production costs, weaker pricing power, or fierce competition, leading to diminished profitability. Grasping the nuances of these margins allows businesses to evaluate their cost management, pricing approaches, and overall financial performance, aiding in strategic decisions to boost profitability.

Gross profit margin vs. net profit margin vs. operating profit margin

Gross profit margin is a key profitability metric that analysts and investors closely track, along with two other important indicators: net profit margin and operating profit margin.


Net profit margin

Net profit margin is an important financial measure that reflects a company's overall financial health. Also known as net margin, it indicates the percentage of revenue that remains as profit after all expenses are deducted. In simpler terms, net profit margin is the ratio of a company’s net profit to its total revenue.

This metric helps management identify business inefficiencies and assess the effectiveness of their current strategies.

To calculate net profit margin, subtract the cost of goods sold (COGS), operating expenses, other expenses, interest, and taxes from total revenue. Divide the result by the total revenue, then multiply by 100 to get the percentage.


Operating profit margin

Operating profit margin reveals how much profit a company generates from its core operations after accounting for all operating expenses.

To determine the operating profit margin, subtract the cost of goods sold (COGS), operating expenses, depreciation, and amortization from total revenue. Then, express the result as a percentage by dividing it by total revenue and multiplying by 100, similar to how you calculate gross and net profit margins.

Conclusion

Being aware of your company’s gross margin ratio is extremely helpful, whether you own a large or small business. it helps in determining the profitability of the goods and services that your company is providing.

If you are interested in investing in mutual funds, would you like to look at mutual fund schemes? Bajaj Finserv Mutual Fund Platform not only provides over a 1,000 mutual funds that you could be investing in, but also has a mutual fund calculator that allows you to compare mutual funds and choose the option that is best suited for you.

Types of Mutual Funds

# Mutual Funds image

# Mutual Funds

New Fund Offer image

New Fund Offer

Debt Mutual Funds image

Debt Mutual Funds

Equity Mutual Funds image

Equity Mutual Funds

Hybrid Mutual Funds image

Hybrid Mutual Funds

Multi-cap Mutual Funds image

Multi-cap Mutual Funds

Thematic Mutual Funds image

Thematic Mutual Funds

Large-cap Mutual Funds image

Large-cap Mutual Funds

Mid-cap Mutual Funds image

Mid-cap Mutual Funds

Small-cap Mutual Funds image

Small-cap Mutual Funds

Liquid Mutual Funds image

Liquid Mutual Funds

Aggressive Hybrid Mutual Funds image

Aggressive Hybrid Mutual Funds

Show More Show Less

Frequently asked questions

How do you calculate gross margin ratio?

The gross margin ratio is calculated by subtracting the cost of goods sold (COGS) from the company's revenue to find the gross profit. Then, divide the gross profit by the total revenue and multiply by 100 to express it as a percentage.

What is a better gross margin ratio?

A higher gross margin ratio generally indicates better profitability, as it shows that a larger portion of revenue is retained after covering production costs.

What is the difference between gross profit and gross margin?

Gross profit is the amount of money left after subtracting a company's costs from its sales. Gross margin, however, is the percentage of revenue that represents this profit. Gross profit is shown as a number, while gross margin is expressed as a percentage of sales.

What is a good gross margin ratio?

A gross margin ratio between 50% and 70% is typically seen as healthy for many businesses, such as retailers, restaurants, and manufacturers. This range indicates a strong ability to cover costs while still generating profit.

What is the formula for gross margin ratio?

The gross margin ratio formula is as follows:

Gross Profit Margin = (Net Sales - COGS) / Net Sales

What is the difference between net margin and gross margin?

Gross margin shows the percentage of revenue kept as profit after accounting for the cost of goods sold. In contrast, net margin reflects the percentage of revenue that remains as net income after all expenses, including operating costs and taxes, are deducted.

What is the gross margin analysis?

Gross margin analysis helps businesses identify inefficiencies in their production processes. By examining the gross margin, companies can make adjustments to improve cost management and boost profitability.

Is a higher gross profit margin better?

Yes, a higher gross profit margin is typically better, as it indicates the company retains more revenue after covering production costs, reflecting greater efficiency and profitability.

How can a company improve its gross margin ratio?

A company can improve its gross margin ratio by reducing production costs, such as finding cheaper suppliers or more efficient manufacturing processes. Additionally, increasing product prices can raise the gross margin ratio, but this must be done carefully to remain competitive.

What does the gross margin ratio represent?

The gross margin ratio measures a company's profitability by comparing gross profit to net sales, showing how efficiently it sells products relative to the cost of goods sold.

Show More Show Less

Investment Calculators

Systematic Investment Plan Calculator image

SIP Calculator

Lumpsum Calculator image

Lumpsum Calculator

Mutual Fund Calculator    image

Mutual Fund Calculator

Step Up SIP Calculator image

Step Up SIP Calculator

SBI SIP Calculator image

SBI SIP Calculator

HDFC SIP Calculator image

HDFC SIP Calculator

ICICI SIP Calculator image

ICICI SIP Calculator

Brokerage Calculator image

Brokerage Calculator

Gratuity Calculator image

Gratuity Calculator

FD Calculator image

FD Calculator

Show More Show Less

More articles

Article 1

Read More

More Videos

FD & The Power of Compounding
 
 

FD & The Power of Compounding

Make your money work hard with FD
 
 

Make your money work hard with FD

Why choose Bajaj Finance Fixed Deposit
 
 

Why choose Bajaj Finance Fixed Deposit

How to invest in mutual funds
 
 

How to invest in mutual funds

Top AMCs in India

Bajaj Finserv Mutual Fund image

Bajaj Finserv Mutual Fund

SBI Mutual Fund image

SBI Mutual Fund

HDFC Mutual Fund image

HDFC Mutual Fund

ICICI Prudential Mutual Fund image

ICICI Prudential Mutual Fund

UTI Mutual Fund image

UTI Mutual Fund

Axis Mutual Fund image

Axis Mutual Fund

Nippon India Mutual Fund image

Nippon India Mutual Fund

DSP Mutual Fund image

DSP Mutual Fund

Canara Robeco Mutual Fund image

Canara Robeco Mutual Fund

PPFAS Mutual Fund image

PPFAS Mutual Fund

Bandhan Mutual Fund image

Bandhan Mutual Fund

Sundaram Mutual Fund image

Sundaram Mutual Fund

Motilal Oswal Mutual Fund image

Motilal Oswal Mutual Fund

Navi Mutual Fund image

Navi Mutual Fund

PGIM India Mutual Fund image

PGIM India Mutual Fund

LIC Mutual Fund image

LIC Mutual Fund

Invesco Mutual Funds image

Invesco Mutual Funds

IDBI Mutual Fund image

IDBI Mutual Fund

Mahindra Manulife Mutual Fund image

Mahindra Manulife Mutual Fund

360 One Mutual Fund image

360 One Mutual Fund

HSBC Mutual Fund image

HSBC Mutual Fund

Union Mutual Fund image

Union Mutual Fund

Franklin Templeton Mutual Fund image

Franklin Templeton Mutual Fund

Tata Mutual Fund image

Tata Mutual Fund

Shriram Mutual Fund image

Shriram Mutual Fund

Aditya Birla Sun Life Mutual Fund image

Aditya Birla Sun Life Mutual Fund

ITI Mutual Fund image

ITI Mutual Fund

Kotak Mahindra Mutual Fund image

Kotak Mahindra Mutual Fund

Mirae Asset Mutual Fund image

Mirae Asset Mutual Fund

Baroda BNP Mutual Fund image

Baroda BNP Mutual Fund

Bank of India Mutual Fund image

Bank of India Mutual Fund

Edelweiss Mutual Fund image

Edelweiss Mutual Fund

JM Financial Mutual Fund image

JM Financial Mutual Fund

Trust Mutual Funds image

Trust Mutual Funds

Taurus Mutual Fund image

Taurus Mutual Fund

WhiteOak Capital Mutual Fund image

WhiteOak Capital Mutual Fund

Show More Show Less

 Bajaj Finance App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

  • Apply for loans online, such as #, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators.
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

You are here

  1. Home
  2. Investments
  3. Gross Margin Ratio

Related links

  • Exploring Assets and Liabilities
  • Long Term Capital Gain Tax
  • SIP Calculators
  • Short Term Capital Gains Tax

Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form.

(ii) carry customized/personalized suitability assessment.

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure
: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.

Download app image

Download App

Now request money from your friends and family and make instant payments.

Download App
  • 1.  Apply for Loans: Choose from personal, business, gold loans and more
  • 2. Transact: Pay utility bills, use UPI, get FASTag and more
  • 3. Shop: Buy over 1 million products on No Cost EMI
  • 4. Invest: Buy stocks, mutual funds and invest in FD

Go To Top

Languages

  • English - EN
  • हिंदी - HI (BETA)

Application Forms

  • Personal Loan
  • Business Loan
  • Home Loan
  • Gold Loan
  • Insta EMI Card
  • Wallet Care
  • Health Insurance
  • Loan for Doctors
  • Fixed Deposit
  • Loan Against Property
  • Loan for Chartered Accountants
  • Open Demat Account
  • Two-wheeler Loan
  • New Car Finance
  • Used Car Loan
  • Loan Against Car
  • Car Loan Balance Transfer and Top-up
  • Mutual Fund
  • Secured Business Loan
  • Loan for Lawyer
  • Used Tractor Loan
  • Loan Against Tractor
  • Tractor Loan Balance Transfer

Products Portfolio

Loans

  • Personal Loan
  • Insta Personal Loan
  • Business Loan
  • Home Loan
  • Gold Loan
  • MSME Loan
  • Mortgage Loan
  • Loan Against Property
  • Education Loan on Property
  • Personal Loan for Self-employed Individuals
  • Two-wheeler Loan
  • New Car Finance
  • Used Car Loan
  • Loan Against Car
  • Car Loan Balance Transfer and Top-up
  • Used Cars and Loan
  • Secured Business Loan
  • Secured Business Loan Balance Transfer
  • New Tractor Loan
  • Used Tractor Loan
  • Loan Against Tractor
  • Tractor Loan Balance Transfer
  • Loan for Doctors
  • Loan for Chartered Accountants
  • Loan for Lawyers

Insurance

  • Insurance
  • Health Insurance
  • Life insurance
  • Term Insurance
  • ULIP Plans
  • Car Insurance
  • Pocket Insurance
  • Investment Plans
  • Appliances Extended Warranty
  • Pocket Subscription

Finance for Professionals

  • Loan for Doctors
  • Loan for Chartered Accountants

Investments

  • Fixed Deposit
  • Open Demat Account
  • Mutual Funds
  • NFO (New Fund Offer)
  • ELSS Mutual Funds
  • Equity Mutual Funds
  • Hybrid Mutual Funds
  • Debt Mutual Funds
  • Multi Cap Mutual Funds
  • Large Cap Mutual Funds
  • Mid Cap Mutual Funds
  • Small Cap Mutual Funds
  • Liquid Mutual Funds
  • Aggressive Hybrid Mutual Funds

Pocket Subscription

  • Mobile Protection Plan
  • Wallet Care
  • Fonesafe Lite
  • Neuro Care Plan
  • Health Prime Max
  • Cpp Road Assist
  • Healthy Body Package

Bajaj Mall

  • Smartphones
  • Mattress
  • Smartwatches
  • Cycles
  • Music & Audio
  • Speakers
  • Water Purifiers
  • Laptops
  • Two-wheeler
  • Washing Machine
  • Televisions
  • Air Conditioner
  • Refrigerators
  • Furniture
  • Tractor

Services

  • Sign-in to our Customer Portal (My Account)
  • Manage your Profile
  • Manage your Mandate
  • Manage your Loans
  • Manage your Flexi Loans
  • Manage your Insta EMI card
  • Manage your Fixed Deposit

Wallets & Cards

  • Wallet
  • Bajaj Finance Ltd Insta EMI Card

Value Added Services

  • Gold Rate

Payments

  • All Payments
  • Wallet
  • UPI
  • Mobile recharge
  • Electricity Bill Payment
  • DTH Recharge
  • Loan Repayment
  • Gas Booking
  • Rewards
  • Bajaj Pay FASTAg
  • Bajaj Pay Wallet KYC Upgrade
  • Bajaj Pay FASTAg Registration
  • Bajaj Pay FASTag Replacement
  • Bajaj Pay FASTag Closure
Offer World
Article and Insights

Calculators

  • Personal Loan EMI Calculator
  • Home Loan EMI Calculator
  • Home Loan Eligibility Calculator
  • Business Loan EMI Calculator
  • Personal Loan Eligibility Calculator
  • Loan Against Property EMI Calculator
  • Education Loan on Property Calculator
  • FD Calculator
  • Gratuity Calculator
  • Income Tax Calculator
  • Top-up Loan Calculator
  • Part-prepayment Calculator
  • GST Calculator
  • Gold Loan Calculator
  • EMI Calculator
  • Used Car Loan EMI Calculator
  • Interest Calculator
  • SIP Calculator
  • Flexi Day Wise Interest Calculator
  • Flexi Transaction Calculator
  • Secured Business Loan EMI Calculator
  • Secured Business Loan Eligibility Calculator
  • Lumpsum Calculator
  • Step Up SIP Calculator
  • BMI Calculator
  • IDV Calculator
  • Commercial Loan EMI Calculator
  • Medical Equipment Finance EMI Calculator
  • Term Loan Calculator
  • Equipment Machinery Loan EMI Calculator
  • Doctor Loan EMI Calculator
  • Doctor Loan Eligibility Calculator
  • Chartered Accountant Loan EMI Calculator
  • Simple Interest Calculator
  • Compound Interest Calculator
  • Brokerage Calculator
  • Mutual Fund Calculator
  • Two wheeler Loan EMI Calculator
  • New Car Loan EMI Calculator
  • Used Tractor Loan EMI Calculator

Important Links

  • Information Security Practices
  • Information Security Measures
  • Citizens Charter
  • Privacy Policy
  • Phishing
  • Disclaimer
  • Forms Centre
  • Fees & Charges
  • Fair Practices Code
  • Interest Rate Policy
  • Disclosures
  • Cautionary Notice
  • Whistle Blower Policy
  • Confidential Feedback
  • Terms & Conditions
  • Ombudsman Scheme
  • SMA/NPA Account Classification
  • Terms of Use
  • Sachet
  • Handover of Property Documents
  • Notices
  • Policy on Fees & Charges
  • BFL - Floating Reference Rates
  • Suppliers Code of Conduct
  • Code of Conduct – DSA/DMA & Recovery Partners

Reach Us

  • Contact us
  • Lodge a Complaint/Query/Request
  • Frequently Asked Questions
  • Make Online Payment
  • Branch Locator
  • Our Partners
  • Bajaj Finance Ltd for Business
  • Call Us

Corporate Office

6th Floor Bajaj Finance Ltd Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune - 411014

Bajaj Finance Limited Regd. Office

Akurdi, Pune - 411035
Ph No.: 020 7157-6403
Email ID: investor.service@bajajfinserv.in

Corporate Identity Number (CIN)

L65910MH1987PLC042961

IRDAI Corporate Agency (Composite) Regn No.

CA0101
(Valid till 31-Mar-2028)

URN - WEB/BFL/23-24/1/V1

Bajaj Finance Limited Regd. Office

Bajaj Auto Limited Complex Mumbai - Pune Road,
Pune - 411035 MH (IN)
Ph No.: 020 7157-6064
Email ID: investors@bajajfinserv.in

Corporate Identity Number (CIN)

L65923PN2007PLC130075

Our Companies

  • Bajaj Finserv Ltd.
  • Bajaj Finance Ltd.
  • Bajaj General Insurance Limited
  • Bajaj Life Insurance Limited
  • Bajaj Markets
  • Bajaj Housing Finance Ltd.
  • Bajaj Broking
  • Bajaj Finserv Health Ltd.
  • Bajaj Finserv Asset Management Ltd.
Company Name
Download App

© Bajaj Finance Ltd 2007-2026. All rights reserved.