Name: Updated Business Model Of Bajaj Finance - 2025 Data | IIDE
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<div class="raw-html-embed"><div data-bglz="1" class="et_pb_text_inner"><h1><span style="font-weight: 400;">About Bajaj Finance</span></h1><p><img fetchpriority="high" decoding="async" class="wp-image-230716 size-medium aligncenter" src="https://iide-media.blr1.cdn.digitaloceanspaces.com/production/upload-1736872371374-e8772bd5ac48b94be58400e3112dd719.webp" alt="Bajaj Finserv Logo | Business Model of Bajaj Finance | IIDE" width="300" height="225"></p><p>Bajaj Finserv Limited is based in Pune, India. the organization has 294 purchaser branches and 497 provincial areas with over 33,000+ dissemination focus. The organization detailed a pre-charge benefit of Rs.626 crores and a post-charge benefit of Rs.408 crores at a ROA of 0.8% and ROE of 5.1%.</p><p><span style="font-weight: 400;"><a href="https://www.bajajfinserv.in/" target="_blank" rel="nofollow noopener noreferrer" data-schema-attribute="">Bajaj Finance Ltd</a>, an auxiliary of Bajaj Finserv Ltd, is a supplier of non-banking monetary administrations with store tolerating exercises. Its arrangement of contributions includes advances, speculations, protection, and cards.</span></p><p><span style="font-weight: 400;">Loaning arrangements incorporate credits for individual use, home, gold, advance against offers, property, and fixed stores; rent lease limiting; advance for experts; and vehicle advances. Speculation administrations incorporate common assets and fixed stores. The protection portfolio comprises inclusion forever, wellbeing, and non-life.&nbsp;</span></p><p><span style="font-weight: 400;">The organization additionally offers credit and EMI cards, and e-wallets. It takes into account individual and business customers through an organization of branch workplaces, online gateways, and venture counsels across India.&nbsp;</span></p><p><span style="font-weight: 400;">Let us now start with the business model of Bajaj Finance.</span></p><h1>Business Model of Bajaj Finance</h1><p><img decoding="async" class="aligncenter wp-image-230714 size-full" src="https://iide-media.blr1.cdn.digitaloceanspaces.com/production/upload-1736872371886-5ae72fc894bcb3227fb17961e134862c.webp" alt="Bajaj Finance Coins Stack | Business Model of Bajaj Finance | IIDE" width="286" height="235" data-srcset="https://iide.co/wp-content/w3-webp/uploads/2021/09/SDfj.pngw3.webp 286w, https://iide.co/wp-content/uploads/2021/09/SDfj-150x123.png 150w" sizes="(max-width: 286px) 100vw, 286px"></p><p><span style="font-weight: 400;">The business model is used to determine a company’s plan for generating revenue. It determines the products or services the business plans to sell, its identified target market, and any anticipated expenses.</span></p><p><span style="font-weight: 400;">Let’s take a look at all the elements of the Business model of Bajaj Finance step by step.</span></p><h2>1. The retail segment of Bajaj Finance</h2><p><span style="font-weight: 400;">In 2007-08 there were financial crises and all banks were suffering mostly in the retail segment where people couldn’t return the amount back. So later on all the banks didn’t participate in the retail segment.</span></p><p><span style="font-weight: 400;">But during this time bajaj finance thought of investing in the retail segment because at that time there weren’t any competitors in that section of the market. Due to this, they earned a large amount of profit.</span></p><p><span style="font-weight: 400;">Let us now see its revenue model.</span></p><h2>2. Revenue Model of Bajaj Finance</h2><p><span style="font-weight: 400;">They earn from different fees like EMI card fee which comes to approximately 10% of its revenue. They also apply their charges on delayed loans, processing fees, penalties, etc. through which they earn.</span></p><p><span style="font-weight: 400;">They also earn from the following methods:</span></p><ul><li><span style="font-weight: 400;"><strong>0% EMI</strong> – </span>They tied up with manufacturers and retailers and started charging them for their services in which they would give the people 0% interest loans which would help the retailers and manufacturers to sell their products faster.</li><li><strong>Small medium-sized enterprises loans</strong> – They provide them with secured loans and unsecured loans where they provide loans secured loans by keeping some collateral and unsecured loans are given without any collateral.</li><li><strong>Rural loans</strong> – These are the loans provided to the rural people and they have also started FD’s for farmers.</li><li><strong>Commercial loans</strong> – They are big-sized loans that deal with different companies in the market but here they charge less amount of interest than other categories. But even with less amount of interest the amount earned from the large sum is a profitable amount for them.</li></ul><p><span style="font-weight: 400;">Let us now see the customer segmentation of Bajaj finance.</span></p><h2>3. Customer segmentation of Bajaj Finance</h2><p><span style="font-weight: 400;">Most of their loans are taken by their existing customers. This is because when they come in contact with any of their customers they make a relationship with them by being in touch with them by sending emails and offers.</span></p><p><span style="font-weight: 400;">This helps them to keep their customers coming back or the customers tell about bajaj finance by word of mouth.</span></p><h2>4. Product and service segmentation of Bajaj Finance</h2><p><span style="font-weight: 400;">Bajaj Finance provides its customers with different services like consumer finance, SME finance, commercial lending, lending.</span></p><p><span style="font-weight: 400;">Let us now see the digital marketing methods used by Bajaj finance.</span></p><p><img decoding="async" class="aligncenter wp-image-230715 size-full" src="https://iide-media.blr1.cdn.digitaloceanspaces.com/production/upload-1736872372504-dadc69a6da51072f9ac23f080acc9424.webp" alt="Bajaj Finance Coins Stack | Business Model of Bajaj Finance | IIDE" width="800" height="480" data-srcset="https://iide.co/wp-content/w3-webp/uploads/2021/09/jgh.pngw3.webp 800w, https://iide.co/wp-content/uploads/2021/09/jgh-480x288.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw"></p><h2>5. Digital marketing methods used by Bajaj Finance</h2><p><span style="font-weight: 400;">They have optimized their SEO in such a way that if a customer searches for anything related to Bajaj finance then their company website is on the top. Which makes the customer come back on the same page.</span></p></div></div>

<div class="raw-html-embed"><div data-bglz="1" class="et_pb_text_inner"><h1>Conclusion</h1><p><span style="font-weight: 400;">On the analysis of the business model of bajaj finance, we have known that it has categorized its business model as to the market. Thus this created a large advantage for them now and in the future. </span><span style="font-weight: 400;">They have made some successful decisions like entering the retail segment during 2007-08 and capturing most of the market. </span><span style="font-weight: 400;">They have different revenue streams like small medium-sized enterprises loans, rural loans, commercial loans, and charges for their services. </span><span style="font-weight: 400;">They also provide their customer with different products and services like consumer finance, SME finance, commercial lending, lending. </span><span style="font-weight: 400;">Bajaj finance has also been using digital marketing like optimizing its SEO and showing its website on all its customer’s related searches.</span></p><p><span style="font-weight: 400;">Wasn’t it interesting to know the business model of Bajaj Finance? Learn how to grow your business using digital marketing, check out </span><a href="https://iide.co/"><span style="font-weight: 400;">our website for more information</span></a><span style="font-weight: 400;">.</span></p><p><span style="font-weight: 400;">You can also check out </span><a href="https://iide.co/meetups/?utm_source=Organic_Marketing&amp;utm_medium=Blogs&amp;utm_campaign=Marketing_Meetup"><span style="font-weight: 400;">Free Digital Marketing Masterclass by IIDE</span></a><span style="font-weight: 400;"> to understand what digital marketing is all about.</span></p><p><span style="font-weight: 400;">If you are interested in digital marketing and wish to be in touch with our academic counsellors then connect with them at </span><a href="mailto:admissions@iide.co"><span style="font-weight: 400;">admissions@iide.co</span></a><span style="font-weight: 400;"> for a free counselling session.</span></p><p><span style="font-weight: 400;">Hope you liked this case study and found it informative and insightful!</span></p></div></div>

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Looking for the business model of Bajaj Finance? In this blog, read Bajaj Finance' revenue model, customer segmentation, key activities etc

Updated Business Model Of Bajaj Finance - 2025 Data | IIDE

<div class="raw-html-embed"><div class="et_pb_text_inner"><span style="font-weight: 400;">Bajaj Finance is one of the flourishing NBFC in India which provides its customers with the fastest financial services in the country. It has a net worth of 35938.74 crores.</span><p><span style="font-weight: 400;">Thus this makes us keen to know the business model of Bajaj Finance and know its flourishing business model.</span></p><p><span style="font-weight: 400;">In this blog, we have discussed the business model of Bajaj Finance in detail which includes its revenue model, customer segmentation, and service segmentation.</span></p><p><span style="font-weight: 400;">Before getting into the roots of its business model let us know about Bajaj Finance as a company.</span></p></div></div>

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Updated Business Model of Bajaj Finance

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