Investor Presentaiton
Key strategic differentiators
Part of the Bajaj group - one of the oldest & most
respected business houses
Focus on mass affluent and above clients
Strong focus on cross selling assets, payments,
insurance and deposit products to existing customers
A well-diversified balance sheet
Agile and innovative
Committed to technology and analytics to transform
customer experience
Committed to digital
BAJAJ FINANCE LIMITED
A trusted brand with strong brand equity
Total customer franchise of 80.41 MM
Highly data oriented. Deep data talent bench and
technology architecture to enable cross sell
Consolidated lending AUM mix for Urban : Rural: SME:
Commercial: Mortgages stood at 34% : 9% : 13% : 13% :
31%. Consolidated borrowing mix for Money Markets:
Banks: Deposits stood at 45%: 33% : 22%
Continuous transformation in product features and
digital technologies to maintain competitive edge
Has helped achieve multi product cross sell and manage
risk & controllership effectively. Focussed on delivering
frictionless experience to customer
Has adopted digital technology trends and navigated
from digitisation to digitalisation. Now transforming to a
customer centric digital enterprise
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