CHAPTER-2

COMPANY PROFILE
1.Bajaj finance limited

Founded - 2007
Founders - Bajaj Group (Rahul Bajaj)
Headquarter - Pune
Market Cap - ₹4.5 trillion
Revenue - ₹35,000+ crores

Bajaj Finance Limited is one of India's leading non-banking financial

companies (NBFCs), offering a wide range of financial products and
services. The company is a part of the Bajaj Group, a well-known
conglomerate in India. Bajaj Finance is known for its innovative financial
solutions and strong presence in both urban and rural markets.

History:
Bajaj Finance was incorporated in 2007 as a subsidiary of Bajaj Finserv
Limited. Over the years, it has grown rapidly through a combination of
organic growth and strategic acquisitions. The company has diversified its
product portfolio and expanded its customer base significantly.

Operations:
Bajaj Finance operates through a vast network of branches and digital

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platforms, catering to a diverse customer base. The company provides a
range of financial products, including consumer loans, SME loans, and
wealth management services. Bajaj Finance is known for its customer-
centric approach and innovative financial solutions tailored to the needs.

Product Portfolio:

 Consumer Finance: Personal loans, home loans, and loans for

 SME Finance: Loans for small and medium enterprises, including

working capital and equipment finance.

 Wealth Management: Investment products and advisory services.

 Insurance: Life and general insurance products through Bajaj

Allianz.

Presence:
Bajaj Finance has a widespread presence with over 3,000 branches across
India, serving millions of customers. The company has a strong foothold in
both urban and rural areas, contributing significantly to its growth and
market share.

Subsidiaries and Joint Ventures:

 Bajaj Housing Finance: Offers home loans and housing finance

solutions.

 Bajaj Financial Securities: Provides stock broking and investment

services.

Vision-Statement:-
To be the most respected and trusted financial services provider, creating
value for all stakeholders.

Mission-Statement:
To deliver innovative and inclusive financial solutions that drive
sustainable growth and create value for all stakeholders.
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1.Shriram finance limited

Founded - 1979
Founders - R. Thyagarajan, A.V.S. Raja, and T. Jayaraman
Headquarter - Chennai, India
Market Cap - ₹1.2 trillion
Revenue - ₹25,000+ crores

Shriram Finance Limited is one of India's largest non-banking financial

companies (NBFCs), primarily focused on financing commercial vehicles,
two-wheelers, and small and medium enterprises (SMEs). The company is
part of the Shriram Group, which has a significant presence in financial
services, insurance, and other sectors.

History:
Shriram Finance was established in 1979 as Shriram Chits and
Investments Limited. Over the years, it has grown through various
mergers and acquisitions, including the merger with Shriram Transport
Finance Company in 2020, which significantly expanded its portfolio and
market presence.

Operations:
The company operates through a vast network of branches across India,

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focusing on underserved and rural markets. It provides a range of
financial products, including vehicle loans, SME loans, personal loans, and
gold loans. Shriram Finance is known for its customer-centric approach
and innovative financial solutions tailored to the needs of its diverse
customer base.

Product Portfolio:

 Vehicle Finance: Financing for commercial vehicles, two-wheelers,

and used vehicles.

 SME Finance: Loans for small and medium enterprises, including

working capital and equipment finance.

 Personal Loans: Tailored loan products for individual customers.

 Gold Loans: Loans against gold ornaments and jewelry.

Presence:
Shriram Finance has a widespread presence with over 2,800 branches
across India, serving millions of customers. The company has a strong
foothold in rural and semi-urban areas, contributing significantly to its
growth and market share.

Subsidiaries and Joint Ventures:

 Shriram General Insurance: Offers general insurance products.

 Shriram Life Insurance: Provides life insurance solutions.

Vision Statement:
To be the most trusted and preferred financial services provider,
empowering customers to achieve their dreams.

Mission Statement:-
To deliver innovative and inclusive financial solutions that drive
sustainable growth and create value for all stakeholders.

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2.Muthoot finance limited

Founded - 1939
Founders - Muthoot Ninan Mathai
Headquarter - Kochi
Market Cap - 432.10billion
Revenue - ₹10,000+ crores

Muthoot Finance Limited is one of India's largest gold financing

companies, primarily focused on providing loans against gold jewelry. The
company is part of the Muthoot Group, which has a significant presence in
financial services, healthcare, and other sectors. Muthoot Finance is
known for its customer-centric approach and strong presence in rural and
semi-urban markets.

History:
Muthoot Finance was established in 1939 by Muthoot Ninan Mathai. Over
the years, it has grown to become a leading player in the gold loan sector.
The company went public in 2011, further expanding its reach and
customer base.

Operations:
Muthoot Finance operates through a vast network of branches across

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India, focusing on underserved and rural markets. It provides a range of
financial products, including gold loans, money transfer services, and
foreign exchange services. Muthoot Finance is known for its quick loan
disbursement and customer-friendly services.

Product Portfolio:

 Gold Loans: Loans against gold ornaments and jewelry.

 Money Transfer Services: Domestic and international money

transfer services.

 Foreign Exchange Services: Currency exchange and related

services.

 Insurance: Life and general insurance products.

Presence:
Muthoot Finance has a widespread presence with over 5,000 branches
across India, serving millions of customers. The company has a strong
foothold in rural and semi-urban areas, contributing significantly to its
growth and market share.

Subsidiaries and Joint Ventures:

 Muthoot Homefin India Limited: Offers home loans and housing

finance solutions.

 Muthoot Insurance Brokers Private Limited: Provides insurance

broking services.

Vision Statement:
To be the most trusted and preferred financial services provider,
empowering customers to achieve their dreams.

Mission Statement:
To deliver innovative and inclusive financial solutions that drive
sustainable growth and create value for all stakeholders.
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