Executive Summary Q3 FY21
Key strategic differentiators
Part of the Bajaj group - one of the oldest & most
respected business houses
A trusted brand with strong brand equity
BAJAJ
B FINSERV
Focus on mass affluent and above clients
Total customer franchise of 46.31 MM
Strong focus on cross selling assets, payments,
insurance and deposit products to existing customers
A well diversified balance sheet
Highly agile & innovative
Deep investment in technology and analytics
Centre of Excellence for each business vertical to bring
efficiencies across businesses and improve cross sell
opportunity.
Consolidated lending AUM mix for Consumer: Rural: SME:
Commercial: Mortgages stood at 36% 9% 13% 9% 33%
Consolidated borrowing mix for Money Markets :Banks:
Deposits: ECB stood at 42% 35% 19% 4%
Continuous improvements in product features and digital
technologies to maintain competitive edge.
Has helped achieve multi product cross sell and manage risk &
controllership effectively. Obsessed to deliver frictionless
experience to customer
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