Consumer Finance
Durable Finance: A finance option for purchase of household items like washing machines, refrigerators, air-conditioner, LED TVs, microwaves, furniture etc consumers can avail up to Rs.4 lakh with the Bajaj Finserv EMI Network. Consumers can get up to 100% funding of purchase at zero or low interest rates and Pick a convenient tenor and repay in easy EMIs.
Lifestyle Finance: Financing options through easy EMI loans offered to purchase home appliances, personal appliances, groceries, fashion and accessories, travel, healthcare fitness and health that give hassle-free access to affordable luxury, with payment convenience at every avenue.
Digital Product Finance: Customers can buy products affordably on the Bajaj Finserv EMI Network. With more than 80,000 stores customers can just walk in partner stores, select the electronics, mobile, appliance or any other product, talk to the representative, and convert the cost of the purchase into easy EMIs.
EMI Card: EMI Network Card comes with a pre-approved loan of up to Rs.4 lakh that customers can use across any of Bajaj Finserv’s 60,000+ partner stores in more than 1,300 cities. It comes with features like flexible tenors ranging from 3 – 24 months, nil foreclosure charges, and one time document submission to allow shopping favourite products on EMI from top e-commerce platforms.
2 & 3 Wheeler Finance: Offering two and three wheeler finance at Bajaj showrooms and other authorized service stations across the country BFL offers customers vehicle loans for the purchase of the favourite Bajaj Motorcycles among all variants namely Pulsar, Avenger, Discover, Platina and the latest V besides KTM motorcycles. It also provides easy and attractive financing schemes for the wide range of Bajaj RE three wheelers.
Personal Loan: Borrow up to Rs 25 lakh collateral free Personal Loan by just meeting simple eligibility criteria and submitting basic documents. Customers can avail money with an online personal loan application approved instantly while providing them with flexible repayment tenors ranging from 12 months to 60 months.
Loan against FD: A secured loan offered against the FDs, it comes at low interest rates, quick loan processing, flexible repayment options and minimal documentation with no foreclosure or part-prepayment charges.
Extended warranty: Protect products from manufacturing defects with an IRDAI approved programme that provides up to 3 years additional warranty offered in partnership with Bajaj Allianz General Insurance Co. Ltd. (BAGIC)
Gold Loan: A loan offered against the gold customers own, gold loan helps customers meet their financial needs with a high loan limit of Rs. 2 crs, at attractive interest rates, with flexible repayment option and no charges on part-prepayment or foreclosure to make the loan affordable.
Home Loan: Home Loans up to Rs. 3.5 crore at lowest interest rate in India with added features like additional top-up loan and doorstep service. Bajaj Home Loan comes with Easy Balance Transfer Facility, minimal documentation and faster processing. Flexible tenor and no charges on part-prepayment or foreclosure and PMAY assistance makes the loan affordable.
Retail EMI: Retail EMI option offers easy financing on electronics & home appliances like smartphone, tv, washing machine, air conditioner, laptop, air cooler etc, furniture, lifecare service, groceries, clothes, accessories and more. No hidden charges, simply divide the cost of the purchase into easy instalments. This can be availed through across the retail network of Bajaj Finance Ltd.
Retailer Finance: An exclusive finance option for the retail partners, it will help them avail finance for acquiring inventory from the manufacturers. The retailers are assigned a pre-approved credit line which they can use any time they want and are the first time ever that non-collateral based financing option has been introduced for the retailers.
E-commerce: : Bajaj Finserv has partnered with the leading e-commerce platforms to offer all products on EMIs. EMI Network Card allows purchasing products and get benefits such as loans with zero down payment, convenient repayment tenor of up to 12 months, hassle-free service, and more. With the No Cost EMI facility, one can simply divide the cost of your product into easy monthly instalments and pay nothing extra.
Co-branded Credit Card: Bajaj Finserv RBL Bank SuperCard is the first co-branded credit card that offers unique combination of deals across 80,000 merchants. No Cost EMI financing across various consumer durables and other products, cashback, and special amenities such as airport lounge access and fuel surcharge waivers. The SuperCard supports urgent needs by offering borrowing options via personal loans and ATM withdrawals.
Co-branded Wallet: : BFL in collaboration with MobiKwik offers Bajaj Finserv Wallet that is accepted at over 2 million stores across the Mobikwik merchant network. Bajaj Finserv Wallet can be used as a debit and credit facility wallet. It can be also used to pay the bills, book tickets, and collect payments easily and seamlessly, at the touch of a button.
Commercial Lending
Vendor Financing: With Vendor Financing consumer can pay vendors on time and ensure a smooth flow of business operations. It offers vendors with a high loan amount up to 30 lakh, Flexi loan facility along with faster process and quick disbursal.
Large Value Lease Rental Discounting: Lease Rental Discounting is a loan that is offered against rental receipts. It can be availed by tenants against leased contracts with funding between Rs.10 Crore to Rs.50 crore and comes with tenure of 11 years along with foreclosure or part-prepayment facility.
Loans against Securities: Loan Against Securities is a hassle-free way to get funds without liquidating the assets. With loan up to Rs 10 crore and Nil Part Payment/Foreclosure Charges it is supported by dedicated relationship manager who is available 24/7 to assist customers with all the requests.
Financial Institutions Lending
Light Engineering Finance: A personal financing option that provides customers access to a large amount of funds. The loan offers funds up to ₹3.5 crore to meet personal expenses like wedding, home renovation, vacation and education costs or to consolidate existing debts into one easy loan.
Corporate Finance
Warehouse Financing: : Loans for warehouses where SME owners can fund warehouse operations by stocking the right amount of inventory or open a new one to cater to new markets. It comes with affordable financing up to Rs 30 lakh and hassle-free unsecured financing.
Investment
Fixed Deposit: One of the safest investment options, fixed deposit enables to take control of investments with flexibility and offers guaranteed returns. Investors can easily choose a tenor between 12 months and 60 months, as per their financial needs. Attractive FD interest rates of up to 8.70% and higher interest rates for senior citizens helps to multiply their savings easily with minimum deposit of Rs. 25,000.
Mutual Funds: Bajaj Finance Mutual Funds comes with Low risk, high returns and diversification, making investment profitable. It comes with small investment option, which is professionally managed keeping complete transparency and interactivity. It has low transaction costs and investment that can be liquefied at any time, unless they have specified lock-in period.
SME Finance
Home Loan: Home loan up to Rs. 3.5 crore at lowest interest rate with added features like additional top-up loan and doorstep service. It comes with additional benefits like lower interest rate of just 6.93%* under Pradhan Mantri Awas Yojna (PMAY), easy balance transfer facility, top-up loan, property dossier, flexible tenor, customised insurance schemes and minimal documentation.
Loan against Property: It enables one to finance child’s education, managing wedding expenses, expanding business, or even handling unforeseen medical expenses with customised property loan to salaried and self-employed individuals at affordable interest rates.
Gold Loan: Gold Loans to salaried or self-employed individuals and also to firms and companies. The loan promises to be reliable, hassle-free, with excellent financial service and the sanction process is simple and instantaneous.
Business Loan: With business loan SME owner can use funds to invest in infrastructure, expand operations, upgrade to the latest plant and machinery, maintain inventory, or to increase working capital. It comes with features and benefit like affordable large capital, flexi loan facility, no collateral and can be availed for a sum up to Rs 30 lakh for short term needs.
Loan Against Shares: The loan offers quick secured financing, of up to Rs. 10 crore against Securities, mutual funds, insurance, or bonds, stocks, shares (equity shares & demat shares and more) for all the financial needs for diversifying financial needs. It comes with benefits like dedicated 24/7 relationship manger, nil part payment/foreclosure charges and wide list of approved securities.
Professional Loan: A loan to professionals like Doctors, Chartered Accountants and engineers to cater the unique need of every professional. It comes with flexi loan facility, quick processing and hassle-free application. The loan ranges from Rs 2 crore to 25 lakh depending up the profession of the applicant.
Working Capital Loans: A Working Capital Loan is a loan to help businesses fund their day-to-day or short-term operations like procure raw materials, purchase inventory, pay for overhead costs, finance blocked payments from debtors, supplier payment in advance and to maintain a healthy level of cash. Unsecured working capital loan can be availed up to Rs 30 lakh with benefits like hassle-free approval with 24 hours, flexible withdrawals and repayments.
Developer Finance: Developer Finance is a mortgage variant offering financial assistance to developers for meeting their project construction costs and corporate term loans for their working capital requirements. It comes with features and benefits like Loan amount up to Rs. 150 crore, more than 100 developers in the portfolio and experienced, dedicated local relationship manager in every location to offer customized solutions.
Used Car Finance: : Fund pre-owned car purchase in a smart, quick and hassle-free way with Used Car Finance. It offers asset-based loan up to 90% of the car valuation at an attractive rate of interest rates. It comes with doorstep facility with instant approval and end-to-end car care services facility.
