RESEARCH PROJECT REPORT

ON

“A STUDY ON THE ROLE OF BAJAJ FINSERV LTD

IN MINIMISING BUSINESS RISK IN TWO
WHEELER SECTOR IN LUCKNOW CITY”

Towards partial fulfilment of

Integrated Master of Business Administration (IMBA)
School of Management, Babu Banarasi Das University, Lucknow

Presented By:
Abhishek Mathur
Roll No:- 1200675003
IMBA VIIIth Semester
 INTRODUCTION

Inside the developing global competition, the productivity of any commercial enterprise
challenge depends upon the behavioural aspects of consumers. This subject matter offers
with improve product from Bajaj Finserv Ltd at Lucknow. This assignment report carries 5
one-of-a-kind chapters, the record starts with the introduction to organisation, its region of
operation, its business enterprise shape, its achievements etc.
The second chapter is the conceptual background of the study and literature review, the brief
idea regarding the advanced products and services provided by the Bajaj Finserv Ltd India,
branch in Lucknow, where the project is undertaken.
The third chapter contains the research design, methodology adopted in preparing this report
is mentioned. It includes the sample procedure, types of data used, data collection methods
and need for the study, limitations etc.
The fourth chapter comprehensive coverage of forecasting concepts techniques which shows
the analysis of data and interpretation through graphical representation, ratio analysis, data
collected from survey.
The fifth chapter deals with the findings, suggestions and conclusion part which is very
important after analysis is made. In each of the 5 chapters as defined above every bankruptcy
has been scheduled in a way with a purpose to permit the reader to understand the content
material effortlessly the report is supported through figures and information anywhere
important with a purpose to help the reader in developing a clear out information of the
subject.
 COMPANY PROFILE

BAJAJ GROUP:-
Bajaj Group is an Indian conglomerate founded by Jamnalal Bajaj in 1926, Mumbai. Bajaj Group
is one of the oldest & largest conglomerates based in Mumbai, Maharashtra. The group comprises
34 companies & its flagship company Bajaj Auto is ranked as the world's fourth largest two- and
three- wheeler manufacturer. some of the notable companies are Bajaj Electricals, Mukand Ltd &
Bajaj Hindustan Ltd. Involvement in various industries that include automobiles (2- and 3-
wheelers), home appliances, lighting, iron and steel, insurance, travel and finance. The Group is
headed by Rahul Bajaj.

BAJAJ FINSERV LIMITED:-

Bajaj Finance Limited, a subsidiary of Bajaj Finserv, is an Indian Non-Banking Financial Company
(NBFC). The company deals in Consumer Finance, SME (Small and Medium-sized Enterprises)
Commercial Lending, and Wealth Management. Originally incorporated as Bajaj Auto Finance
Limited on March 25, 1987, the non-bank singularly focused on providing two and three wheeler
finance. After 11 years in the auto finance market, Bajaj Auto Finance Ltd launched its initial
public issue of equity share and was listed on the BSE and NSE.. At the turn of the 20th century,
the company ventured into the durables finance sector. In the subsequent years, Bajaj Auto Finance
diversified into business and property loans as well https://en.wikipedia.org/wiki/Bajaj_Finance -
cite_note-3. In the year 2006, the company’s assets under management hit the Rs.1,000 crore mark
and is currently at Rs.52,332 crore. 2010 saw the company’s registered name change from Bajaj
Auto Finance Limited to Bajaj Finance Limited.
 OBJECTIVE OF STUDY

• To understand the current scenario of the two-wheeler sector in Lucknow

• To examine the bank execution in the matter of credit

• To analyse the loans and advances recovered

• To study the rules governing the process of granting a loan

 RESEARCH METHODOLOGY

It is the techniques for information representation. Fascinate examination includes overviews and actually
discoveries enquire of various types, the motivation behind clear research is representation the condition of issue as
an exists at current. In business research we frequently utilize the term trade fact to research for notify the study
concentrates on.
SAMPLE SIZE
Sample of 100 people is taken for the study, and their data was collected.
SAMPLING TECHNIQUE
To study the Project, a Simple Random Sampling technique is used.
DATA COLLECTION TOOLS
Information mainly gathered from both primary and secondary sources.
Primary Data: Primary information was gathered by the bank authorities and questionnaires.
Secondary Data: Secondary data was gathered from published materials, books, websites, balance sheets and
records.
STATISTICAL TOOLS
Trend and Ratio analysis
QUESTIONNAIRES
Tools of Analysis:
Out of the total respondents, the respondents who responded logically will be considered while going into
statistical details & analysis of data. The tools that will be used for analysing data and inference drawing are
mainly statistical tools like percentage, ranking, averages, etc.
 DATA ANALYSIS AND INTERPRETATION

Total Loans and Advances sanctioned by the

Bajaj Finserv Ltd India: Year Loans and Advances
(Amount in crores)
2018-19 12,09,829
2019-20 13,00,026
2020-21 15,09,500
2021-22 16,27,273
2022-23 19,34,488

Interpretation:
From the year 2019-20 the loans and advances has been increased by 7.45%. In the year 2015-
2016 increased by 16.11%. In year 2021-22 increased by 7.80%. And in the year 2022-23
increased by18.90%. In the above chart we can see that there's a fast growth in loans and
advances that indicates the nation financial institution of India is assisting the economic needy
human beings with the aid of imparting loans and advances at the low price of interest.
 Total Two Wheeler Loanss sanctioned by BAJAJ FINSERV LTD:
Year Loan Amount

(in crores)
2018-19 140738
2019-20 159237
2020-21 190552
2021-22 276454
2022-23 313106

Interpretation:
Form the above graph we can understand that, the Bajaj Finserv Ltd India providing more Two
Wheeler Loanss to their customers. In this from the year 2014-15 there is a increased of
Rs.18499crores. In the year 2015-16 increased Rs.31315 crores, in the year 2016-17 again increased
Rs.85902 crores, and in the year 2017-18 it increased to Rs.36652 crores. So we can see that the
increasing in Two Wheeler Loanss of BAJAJ FINSERV LTD by every year, because of it provides Two
Wheeler Loanss in a low rate of interests.
Q1: Are you aware of products and services provided by Bajaj Finserv Ltd?

No. of Respondents Percentage(%)

Yes 80 80%

No 20 20%

Total No. of People 100 100

Interpretation:
From the above data it is clear that is 80% of the people of the Lucknow have the idea about the
products and services of BAJAJ FINSERV LTD. And the remaining 20% of the people have the
idea about the product they are using. These people are typically from rural areas.
Q3:What do you feel about the services provided by the Bajaj Finserv Ltd in Advance
products?
No. of Respondents Percentage(%)
Excellent 25 25%
Good 55 55%
Satisfactory 20 20%
Bad 0 0%
Total No. People 100 100%

Interpretation:
The people are using different products and services of the BAJAJ FINSERV LTD, and the
sample of 20 people the 25% people are giving excellent feedback , 55% of the people are gave
good, 20% of the people are satisfactory. In this there is no one is giving bad feedback about
BAJAJ FINSERV LTD products and services.
 FINDINGS

• From this project it is found that Bajaj Finserv Ltd advance product having the 1 st place in the
market at Lucknow, there is a great opportunity to compete with Other Bank & to retain its
customer by fulfilling the requirement of customer in Bajaj Finserv Ltd advance product.
• In this project it is found that the sanctioning of loans and advances are increased by the bank
every year. And it is providing these loans and advances at a low interest rates.
• From this project the deposits of the Bajaj Finserv Ltd India is increasing by every year.
• It's been located that about 80% correspondents are using advance manufactured from Bajaj
Finserv Ltd and 20% aren't using any sort of increase made from Bajaj Finserv Ltd in Lucknow.
• All of Bajaj Finserv Ltd customers are glad with the services supplied by using the financial
institution.

Reasons for highly use of Bajaj Finserv Ltd Advance Product:

Much less Paper paintings
Attractive hobby charges
Transparency
simple & speedy Processing
Longer compensation duration
short Processing
 LIMITATION

• The investigation depends on the information of past 5 years only.

• The information for concentrate for the most part dependent on solitary bank.

• As lion’s share of the clients are employees of the bank, they may be biased in giving

the data.

• The timespan of the research was limited.

• .
 SUGGESTION AND RECOMMENDATION

• Purchaser recognition software is needed in order that more people must attract toward

strengthen product.

• If there are any kind of hidden prices than that must disclose to consumer earlier than giving

loan to them.

• Bajaj Finserv Ltd ought to take feedbacks of clients regarding capabilities & services.

• Bajaj Finserv Ltd need to take some steps so that customers can get their loan in time. Like

cellphone verification with the aid of client care that one customer is were given their mortgage

on time or not. It ought to be earlier than a sure date so vital steps can be taken.

• Bajaj Finserv Ltd need to greater problem about physical verification as opposed to cellphone

verification so it'll keep away from fraud or cheating.

 CONCLUSION
From the analysis component it is able to be finish that the clients have an amazing reply toward
Bajaj Finserv Ltd increase merchandise. Bajaj Finserv Ltd is in 1st function having massive wide
variety of customers and offering right offerings to them. The bank has a wide client base, so the
financial institution have to concentrate on this to preserve those customers.
In gift situation Bajaj Finserv Ltd is the largest advance product issuer in India. Within a totally
short period of time the fulfillment made by using Bajaj Finserv Ltd is super, what a everyday
financial institution can’t expect, but it's miles being carried out through Bajaj Finserv Ltd. It occurs
due to employee determination closer to the organization, quickest growing Indian economy and
brand photograph.
The present research work dealt with the performance of the Bajaj Finserv Ltd With reference to
Ratio analysis and percentage analysis. There is a sufficient progress and good performance up to
the 2021-22 and later the 2022-23 bank is in loss. The performance of the Bajaj Finserv Ltd has
been analysed in detail in terms of deposit mobilisation, loans and advances, invest position, earning
and profitability efficiency.
In the economic year 2022-23 the Bajaj Finserv Ltd attributed the net loss to decrease trading
income and sizeable marketplace to marketplace losses due to hardening of bond yields and better
provision because of wage revision and enhancement inside the gratuity ceiling.
 BIBLIOGRAPHY

www.omfinancialservices.co.in
www.onlineomfinancialservices.com
www.economictimes.indiatimes.com
www.rbi.com