SBI Securities Introduces ‘Women’s Mode’ on App
 

The launch is part of Infinity8, a vision by SBI Securities, aimed at fostering sustained engagement with women investors and strengthening and smoothening financial participation through thoughtful platforms and solutions.
 

Women across India are increasingly taking an active role in financial planning and investment decisions, reflecting a broader shift towards greater financial independence and long-term wealth creation. As this participation grows, the need for financial platforms that are simple, relatable and confidence-building becomes even more important.
 

The Women’s Mode has been developed with this perspective in mind. The feature offers curated goal-oriented journeys, special brokerage plan and simplified tools intended to help women navigate their investment decisions with greater clarity and confidence.
 

Ms. Bhuvaneshwari A., Managing Director & CEO, SBI Securities, said, “Women today are playing a far more active role in financial decision-making and long-term wealth creation. As participation expands, it becomes equally important for institutions to create platforms that make investing more approachable and relevant to their goals. With the Women’s Mode and the Infinity8 initiative, our objective is to move beyond symbolic recognition and focus on sustained efforts that support women in building financial confidence and independence.”
 

Infinity8 reflects SBI Securities’ belief that empowering women financially requires consistent effort and thoughtful innovation. Through such initiatives, the company aims to create an investing ecosystem that is more inclusive, accessible, and aligned with the evolving aspirations of women across India.
 

About SBICAP Securities Limited
SBICAP Securities Limited is a full-service stockbroker in India, offering a wide range of investment solutions including equity trading, derivatives and mutual funds. As a group company of the State Bank of India, the country’s largest public-sector bank, SBICAP Securities is committed to providing financial market access to everyone, built on a foundation of trust, innovation and resources that support clients throughout their investment journeys.

For more information, visit www.sbisecurities.in.

Registered & Corporate Office: SBICAP Securities Limited

Marathon Futurex, Unit No. 1201, B-Wing, 12th Floor, N M Joshi Marg, Mafatlal Mill Compound, Lower Parel East, Mumbai 400013. Corporate Identity Number (CIN): U65999MH2005PLC155485| www.sbisecurities.in | NSE, BSE, MCX-SX & MCX | SEBI Registration No.: Stock Broker: INZ000200032 | DP Registration No.: IN-DP-314-2017 | Research Analyst : INH000000602 | IRDA : CA0103 | AMFI ARN No. 0011
 

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According to EY’s H1 2025 India Private Credit Market Update, Indian corporates raised approximately USD 9 billion through private credit transactions in the first half of 2025, based on tracked market activity. Complementing this, Octus’ India Private Credit Deals & Rankings H1’25 indicates that real estate accounted for over 40% of total private credit issuance value during the period. Alt Credit aims to democratize this asset class, which has historically been reserved for institutional investors.

Alt has hired Mayuresh Saoji as the Chief Investment Officer for Alt (Credit). Mayuresh comes with over 18 years of institutional real estate and private credit experience of which the last 10 years have been with Altico Capital (acquired by $540 bn AUM global asset manager ARES) where he executed and managed senior secured structured credit transactions with cumulative size in excess of $500 mn backed by residential, office, IT SEZ, retail and Integrated Townships projects. Mayuresh holds a B.Tech from BITS-Pilani and an MBA from IIM, Ahmedabad.

The offering

Through Alt Credit, investors can access a diversified mix of credit instruments across multiple risk-return profiles with investments starting at ₹25 lakh. These include:

Real Estate Credit - High yield debt backed by prime real estate

• Yields ranging between 14–18%.

• High security cover

• Current coupon

• Listed and tradeable

·Private Corporate Bonds - High yield listed debt issued by private companies

• Yields ranging between 10–14%.

Security and Governance

All investments on Alt Credit are executed under Alt’s SEBI-regulated Online Bond Platform Provider (OBPP) licence, ensuring a fully digital and transparent process. Each opportunity is supported by:

• Defined end-use of funds and escrow mechanisms

• Documentation vetted by reputed law firms

• A framework aligned with institutional-grade underwriting rather than standard retail norms

• Trustee oversight

"As the private credit market has scaled, access to well-structured, asset-backed opportunities has largely remained confined to institutions," said Kunal Moktan, Co-founder, Alt. "With Alt Credit, we are addressing this gap by bringing institutional-grade credit opportunities to individual investors in a regulated, transparent, liquid and responsible manner while maintaining the same discipline around underwriting, risk management, and governance as institutional investors. In Mayuresh we have a seasoned investment professional who has seen multiple credit cycles and comes with a strong track record of investing in private credit."

"I am excited to join the Alt Credit platform and look forward to drawing on my extensive real estate credit investment experience on the institutional side to provide individual investors access to high grade private credit through a technology-first approach," said Mayuresh Saoji, CIO, Alt (Credit). "Alt revolutionalised technology-based real estate investing through Property Share, India’s first and only SM REIT and I look forward to scaling the credit side of the business in a similar manner through Alt Credit."

About Alt

Alt (www.altinvest.ai) is a tech-enabled alternative investment platform that provides individual investors direct access to institutional quality alternative assets. Alt is a Series-B funded tech company backed by investors like Westbridge Capital, Lightspeed, Beenext and Pravega Ventures.

Alt pioneered the fractional investment platform model in India in 2015 through Property Share, India’s first and largest fractional ownership platform, by allowing users direct access to institutional grade office assets. When the sector was regulated in Mar'24, Property Share became the FIRST platform to receive the Small and Medium REIT license from SEBI paving the way for a fully regulated and revolutionary new asset class it had pioneered. On 10th Dec, 2024, Property Share created history by listing PropShare Platina, India's 1st SM REIT on the Bombay Stock Exchange followed up with PropShare Titania in Aug’25. It remains the only SM REIT in the country as of date to have successfully listed assets.

With offices in Mumbai, Bangalore and London, Alt provides investors access to a diverse range of alternatives including private credit, private real estate in India and UK, public real estate in the US, Canada, UK and India through listed REITs, Cat II AIFs, Portfolio Management Services and an LRS fund out of GIFT City. With 300,000+ users and more than $250 million in assets under management, Alt is using technology in providing ground breaking access to alternative assets to individual investors.

About Alt Credit Platform

AltInvest Credit Platform Private Limited (“Alt Credit”) is a subsidiary of Alt, focused on presenting select credit investment opportunities to individual investors. Alt Credit is registered with SEBI as stock broker in the debt segment and also functions as an online bond platform provider.

It offers high-yield, institutional-quality real estate and corporate credit opportunities with regular distributions to individual investors.

Website - www.altinvest.ai/alt-credit.

Mr. Ajitesh Korupolu interacting with NRIs in Dubai, UAE

Ajitesh Korupolu’s direct engagement highlights ASBL’s commitment to transparency and education in an often opaque industry. By sharing insights and guiding attendees through the complexities of legal and financial processes, he empowered them to make more informed decisions. The NRI Realty Meets broke barriers and provided attendees practical advice directly from ASBL’s leadership about India’s real estate landscape and how to navigate it, helping simplify the process of real estate investment.

Breaking Industry Norms: Direct Engagement with the CEO

ASBL’s initiative represents a shift in an industry where executives typically remain behind the scenes. Ajitesh Korupolu’s hands-on approach provided attendees with the chance to ask questions directly to the CEO, from property evaluation to financing and legal requirements. These personal, one-on-one interactions helped demystify the home-buying process, making it clearer and more accessible.

Typically, top executives stay distant, attending high-profile events but rarely offering personal guidance. Ajitesh’s engagement at the NRI Realty Meets marked a refreshing change, focusing on transparency and providing direct, real-time interactions with potential investors. ASBL’s engagement with potential investors from across the globe helped promote Hyderabad’s growing real estate appeal. The city’s growth in infrastructure, strategic global investments, and investor-friendly policies make it a top choice for international investors seeking opportunities in both commercial and residential sectors.

A Closer Look at Hyderabad’s Real Estate Market

The NRI Realty Meets also highlighted Hyderabad’s growing attractiveness as a real estate investment hub. The city is rapidly emerging as one of India’s most promising markets, driven by robust infrastructure, business-friendly policies, and high quality of life. As the capital of Telangana, Hyderabad boasts a thriving economy, supported by key industries like IT, pharmaceuticals, education, and aerospace, making it an ideal location for investors.

Hyderabad is becoming a hub for Global Capability Centres (GCCs), accounting for nearly 40% of all new GCC setups in India over the past three years. These companies are expanding their presence while investing heavily in the city’s real estate market, further driving demand in both commercial and residential sectors.

The city’s office leasing market has seen substantial growth, positioning Hyderabad as a prime location for businesses. Global companies such as Amazon, Google, and Microsoft have established large offices here. In Q1 2025, Hyderabad witnessed a 30% year-on-year growth in office leasing, with 2.62 million square feet of office space absorbed, demonstrating the city’s strong appeal to multinational companies.

Additionally, Hyderabad’s transportation infrastructure continues to improve, enhancing connectivity and the overall quality of life for its residents. Major projects like the Outer Ring Road (ORR), Regional Ring Road (RRR), and metro network expansions are making the city more accessible. Hyderabad’s airport is globally recognized, ranking second worldwide for efficiency, improving both business and lifestyle factors.

NRI Confidence and Investment Trends

Knight Frank research indicates that NRI investments in Indian real estate grew by 35% in FY24 and are projected to reach USD 14 billion by 2025. Hyderabad continues to be a top destination for NRI investments, driven by strong growth metrics and the potential for capital appreciation. Suburbs in Financial District, like Kokapet, Tellapur, and Gachibowli have seen 8-12% annual price growth, reflecting investor confidence in the market.

Reports indicate NRIs account for 20% of total real estate investments in India in 2025. Investment activity is high in residential, commercial, and mixed-use developments, with strong returns due to rising rents and capital appreciation. The office leasing market in Hyderabad is also growing significantly, with 4 million square feet of office space absorbed in Q1 2025, driven by global firms expanding their presence.

A Competitive Advantage: Hyderabad vs. Other Indian Metros

Hyderabad’s real estate market offers a competitive edge over other metros like Bengaluru, Mumbai, and Delhi. In terms of travel efficiency, Hyderabad leads these cities, with commuters losing only 85 hours annually during peak hours, compared to Bengaluru’s 117 hours and Mumbai’s 103 hours, as per the TomTom Traffic Index 2025. This travel efficiency enhances the city’s appeal, improving residents’ quality of life.

Hyderabad has shown consistent growth in its real estate market, even amidst fluctuations in other markets. According to ANAROCK, the office leasing sector in India saw a 40% increase in H1 2025, with Hyderabad securing the second-largest share of leased office space, demonstrating the city’s stability and long-term investment potential.

Why NRIs Should Consider Investing in Hyderabad Real Estate

For NRIs seeking to invest in real estate, Hyderabad presents significant opportunities. With its growing infrastructure, thriving economy, and high quality of life, the city is an ideal location for investment. Whether looking to buy a home, purchase an investment property, or diversify a portfolio, Hyderabad offers properties to suit various preferences and budgets.

The NRI Realty Meets have proven to be an excellent platform for educating potential investors on the benefits of investing in Hyderabad. With guidance from industry leaders like Ajitesh Korupolu, NRIs are now better equipped to make informed investment decisions. Hyderabad is not only a great place to live but also a prime location for real estate investment.

ASBL is at the forefront of making these opportunities accessible to global investors, ensuring they can capitalize on the city’s sustained growth. As more NRIs recognize Hyderabad’s real estate potential, the city will continue to attract investments, cementing its position as one of India’s top investment destinations.

Oaktree Capital Invests Rs. 750 Crore in Market of India at SPR City, Boosting Chennai's Largest Township

The funds will accelerate the completion of SPR’s flagship developments:

• The Market of India, and

• The Mall of Madras,

together expected to redefine not only Chennai but also Southern India’s Shopping and Trade Landscape.

This investment is projected to unlock value for 3.5 million sq. ft. of commercial assets, mainly covering:

• Mall of Madras Coming with 6-Screen Cinema & over 300+ Branded Stores

• Market of India comprising 3000+ units serving categories like Gems & Jewellery, Electronincs, Building material, Textile & Acessories, Imported items, Packed foods & Multiple commodities

This investment is a very small fraction of the asset value expected to be unlocked in the next 8–12 months. This funding also allows full repayment of existing Altico Capital debt on the project.

Combined, the two assets will form the largest multi-commodity trade and shopping destination across South Asia (SAARC nations).

As per trends, any commercial place generates direct employment for one person and indirect employment for three people for every 100 sq. ft.

With this analogy, 3.5 million sq. ft. of Market of India and Mall combined will generate direct employment for 35,000 people and indirect employment for over 100,000 people, thus transforming the socio-economic landscape of not only North Chennai but the entire Southern India, in terms of trade and shopping.

Why Oaktree Invested

Oaktree’s decision follows extensive due diligence conducted by leading global advisors including Deloitte (financial & tax), AZB Partners (legal & title), Knight Frank (technical & cost), and Planmaxx (mall advisory & feasibility).

The key factors influencing the investment include:

• Strong asset coverage and high sales visibility

• The rapidly rising prominence of the Perambur Mill area, located just 4 km from Chennai Central — drawing parallels to Mumbai’s Lower Parel mill transformation

• SPR’s leadership in delivering high-rise and integrated township developments in Chennai

SPR has previously raised capital from JM Financial, Piramal, and LIC Housing, all of which have been fully repaid due to the project’s robust revenue generation.

The partnership with Oaktree further enhances SPR’s credibility with institutional investors, lenders, and homebuyers, ensuring timely delivery of the next phase of SPR City. With over 55% of retail space already leased and strong progress across residential and commercial components, SPR City is poised to emerge as the transformative growth hub of North Chennai.

For more details, please visit: www.sprindia.com.

IVCA’s DII & Exits Forum 2025 to Bring Policymakers and Investors Together to Deepen India’s Domestic Capital Base

The IVCA DII & Exits Forum arrives at a significant moment for India’s investment landscape. With AIF commitments touching ₹14.2 trillion as of mid-2025 and the industry delivering consistently strong performance across venture capital, private equity, credit and real estate, the country is witnessing a growing appetite for long-term private-market exposure. Yet, the participation of domestic institutional investors remains limited—well below global benchmarks—highlighting the need for deeper engagement, enabling regulation, and more robust exit pathways.

Speaking ahead of the Forum, Rajat Tandon, President, IVCA, said, “Domestic LP participation in AIFs has crossed 52%, signalling a structural shift in India’s private markets. This growing confidence from homegrown institutions must now translate into deeper allocations. India’s next decade of value creation will be shaped by how rapidly we mobilise our own pools of long-term capital.”

Reflecting on the rise of domestic LPs, Sameer Nath, CIO & Head, Venture Capital & Private Equity, 360 ONE Asset, said, “Domestic institutional investor (DII) capital in alternative assets has truly come of age. The impact of DIIs is growing in size and scope across venture capital, private equity, private credit, real estate and infrastructure. DII LPs are backing new investment themes and established strategies with steady conviction. Homegrown GPs are challenging global peers, filling gaps and strengthening ecosystem capacity. The rise of DII capital in India’s private market mirrors trends in other economies as well as in India’s public market. At 360 ONE, we are thrilled to partner with IVCA to promote this critical initiative.”

As domestic ownership in India’s public markets exceeds foreign ownership for the first time in 22 years—and mutual fund AUM crosses ₹75 trillion—the shift toward a more stable, Indian-anchored capital base is already underway. The DII & Exits Forum 2025 seeks to build on this momentum by examining how similar depth can be created within private markets through policy support, stronger reporting standards, and market-appropriate structures for long-term institutional investors.

The Forum will also spotlight the evolving exit environment, with India recording 552 IPOs between FY23 and FY25 and strong momentum across SME listings. Speaking on this, Rajan Anandan, MD, Peak XV & Surge, Co-Chair IVCA VC Council and IVCA Executive Committee Member said, “India is emerging as the 'Startup IPO Capital of the world'. Indian startups are scaling faster as our markets are getting deeper and a vibrant capital ecosystem is providing a fertile environment for IPOs. This combination of scaled companies and IPO-led exits have taken our startup ecosystem to new heights, signifying a new era of maturity and value creation."

Better recycling of capital increased domestic equity inflows, and strengthening governance standards are contributing to a maturing ecosystem—creating a more stable foundation for private-market investments. Speakers from PFRDA and BIRAC will join industry leaders to discuss policy coordination, liquidity solutions, secondaries, and regulatory reforms required to accelerate DII participation.

On the role of India’s capital markets in enabling this shift, Shashwat Tewary, Capital Markets Partner, Cooley, noted, “India’s maturing capital markets ecosystem and high-quality base of corporate issuers is driving successful exits and capital inflows. At Cooley, we leverage our cross-border expertise to help founders, issuers, investment banks and sponsors navigate capital markets complexity with confidence, ensuring transactions align with both local frameworks and international best practices.”

With India’s startup, innovation, infrastructure and deep-tech sectors poised for their next phase of growth, the discussions at the Forum are expected to help define how domestic capital can play a greater role in shaping an Aatmanirbhar investment ecosystem.

About Indian Venture and Alternate Capital Association (IVCA)
The Indian Venture and Alternate Capital (IVCA) is a not-for-profit, apex industry body promoting the alternate capital industry and fostering a vibrant investing ecosystem in India. IVCA is committed to supporting the ecosystem by facilitating advocacy discussions with the Government of India, policymakers, and regulators, resulting in the rise of entrepreneurial activity, innovation, and job creation in India and contributing towards the development of India as a leading fund management hub. IVCA represents 500+ funds with a combined AUM of over $350 billion. Our members are the most active domestic and global VCs, PEs, funds for infrastructure, real estate, credit funds, limited partners, investment companies, family offices, corporate VCs, and knowledge partners. These funds invest in emerging companies, venture growth, buyout, special situations, distressed assets, and credit and venture debt, among others.

Mitul Mehta, Co-Founder- National Finance Olympiad

The roots of the gap!

Educational, Physical, Infrastructural and Time-related Barriers 

When it comes to financial literacy, understanding the fundamentals remains one of the biggest challenges for women in India. Why? Many struggle with basic mathematical concepts due to gaps in foundational education, which makes informed financial decision-making difficult. This, in turn, affects their ability to save, invest and ensure their families’ financial well-being. Women without a college education may find it particularly hard to grasp core financial principles, including evaluating risk and reward, calculating compound interest, accounting for inflation and building a diversified portfolio. Adding to this, the financial world often feels exclusionary, filled with complex jargon that can be inaccessible, especially for those with limited prior exposure or English proficiency.

In rural and economically disadvantaged areas, the challenges are even greater. For many women, even basic literacy and numeracy are not guaranteed. In such contexts, financial education often takes a backseat to more immediate needs. The absence of trained educators, relatable role models, and community programs further adds to the problem. Additionally, the cost of courses can limit participation, particularly for women with tight budgets.

Physical and logistical barriers add another layer of difficulty. Travelling to financial literacy programs can be challenging due to unsafe, unreliable or expensive transport. Poor infrastructure, a lack of dedicated centres and limited internet connectivity further restrict opportunities to learn, whether in-person or online.

Time constraints also play a critical role. Women balancing work, household responsibilities and caregiving rarely have uninterrupted hours to focus on financial learning. For many, sheer exhaustion pushes it to the bottom of their priorities – not from lack of interest, but out of necessity.

In contrast, men are often encouraged towards early financial learning. From a young age, boys are more likely to be included in household money discussions, encouraged to manage allowances and given access to financial tools. They also tend to have better access to institutions, digital platforms, and educational resources, and face fewer time constraints due to traditional gender roles. These factors provide them with confidence and practical experience in managing money, contributing to the persistent gender gap in financial literacy.

Cultural Conditioning and Psychological Barriers
Cultural stereotypes have long shaped who makes financial decisions in Indian households. Traditional gender roles often assign men the responsibility of managing money, investments, and assets, while women are expected to focus on caregiving and domestic responsibilities.

This exclusion keeps women from participating in discussions about budgeting, planning or household expenses. Without these opportunities, they miss crucial hands-on experience, which is essential for building competence and confidence in managing money.

Over time, these cultural barriers feed directly into psychological doubts. Years of being excluded from financial decision-making erode self-confidence, leaving women hesitant to engage with money matters independently.

As said earlier, the mental load of balancing multiple roles – as mothers, homemakers, workers, and caregivers – further leaves little cognitive or emotional bandwidth for exploring financial concepts. And then comes the fear of making mistakes, which, when combined with financial validation, proves to be one of the major interrupters of financial education.

This cycle – where cultural conditioning leads to limited exposure, thereby fostering psychological barriers – creates a self-reinforcing pattern. Women, over time, perceive finance as complex or ‘not for them,’ and even when resources or educational opportunities are presented, they may feel unprepared to seize them.

The real reason why equal access to education is needed!
Providing female folks with equal access to financial education is not just a matter of fairness – it is essential for economic growth, social development and long-term resilience. Financially literate women are better equipped to manage household budgets, make informed investment decisions and navigate major life transitions such as marriage, parenthood or retirement. 

The benefits of empowering women through financial literacy, however, extend far beyond individual households. When women are financially educated, they can participate actively in the economy, drive local development, and make decisions that positively impact their communities.

Evidence underscores the scale of this impact: a 2024 World Bank report shows that countries with higher female education levels experience stronger GDP growth, lower income inequality and greater resilience to economic shocks. In India, McKinsey & Company estimates that closing the gender gap in digital finance could add $700 billion to GDP by 2025.

Moreover, OECD data indicate that financially educated and empowered women contribute to reduced domestic violence and improved child welfare, highlighting the profound social as well as economic dividends of inclusion.

Breaking the cycle!
Education and awareness can become the most invaluable tools in breaking the cycle of financial illiteracy. Teaching financial matters from an early age, for instance, will equip women with the necessary skills to budget, save, invest and manage money confidently throughout their lives

Integrating these concepts into schools and extracurricular programs will further act as a fail-safe plan that provides lifelong women's empowerment. It helps prepare future generations to contribute meaningfully to household and community finances.

Needless to say, technology can amplify this impact. Web-based or mobile-based applications that offer financial coaching and interactive workshops will make learning engaging and accessible. Volunteering programs, where young adults teach financial basics in rural schools, undoubtedly create a ripple effect – empowering children and inspiring families.

Equally important is building inclusive spaces that welcome women without any pre-conceived gender biases – think online forums, local meetups and networking events – where women can share experiences, learn collectively and find support. Language definitely plays an important role in all of this – communication that acknowledges female diversity ensures every woman feels represented and encouraged to participate.

Most importantly, raising financial awareness among women through targeted outreach can break the age-old stigma and promote a culture of proactive financial management. Above all, it must be realised from the core of the heart: financial literacy is not a choice but a requirement in today’s world, especially for all those who desire personal independence, empowerment and a more equitable society.

Ms. Bharti Aggarwal, Director, Signature Global (India) Ltd.

With NRI interest in Indian real estate rising rapidly, these programmes focused on understanding their latest preferences, effectively addressing the challenges they face when buying property in India, and developing better ways to meet their specific requirements.

Led by Signature Global’s Director, Ms. Bharti Aggarwal, the programme gave attendees a chance to interact directly with the company’s leadership and learn about its current and upcoming projects. Building on the success of its global investor initiatives, Signature Global plans to set up a dedicated NRI support team to assist NRI homebuyers and better understand their needs and preferences.

Reflecting on the successful Investor Programme, Ms. Bharti Aggarwal, Director, Signature Global (India) Ltd., said, "The opportunity to connect directly with our NRI customers in Jersey City was a profound and invaluable experience. At Signature Global, our focus is always on creating homes that reflect our customers' global aspirations. These discussions clearly highlighted that the priorities of our overseas clientele are location, reliability, and innovation. My commitment is to swiftly incorporate these fresh insights into our upcoming projects, making sure they reflect the high standards our customers truly want. Looking ahead, we are dedicated to strengthening our relationship with our international market by intensifying our outreach and ensuring our projects meet their changing needs and expectations.”

During the engagement session, overseas clients received a detailed presentation on some of Signature Global’s most sought-after projects, including the recently launched Cloverdale SPR, which has already generated strong interest among NRI homebuyers. Other flagship projects, such as Deluxe DXP and Titanium SPR, were also showcased, highlighting the company’s diverse offerings and commitment to high-quality standards.

Direct interactions gave participants a detailed view of Signature Global’s portfolio and allowed the company to gain valuable insights into the expectations of NRI buyers. The conversations further provided a clearer grasp of what international investors prioritize when purchasing in India, covering their choices for residence dimensions, floor plans, and essential facilities.

Through initiatives like this, Signature Global continues to strengthen its bond with NRI investors, showcasing its commitment to transparency, a customer-centric approach, and unwavering excellence. By actively engaging with global buyers and integrating their suggestions, we seek to deliver properties that not only satisfy but surpass expectations, cementing our position as a reliable and innovative real estate developer in India.

SaveSage, India’s leading AI-driven platform for credit card and loyalty programs optimisation, today announced the appointment of Bhavesh Gupta as Senior Advisor and Anchor Investor.

SaveSage Welcomes Paytm Ex-COO Bhavesh Gupta as Senior Advisor and Anchor Investor

Bhavesh previously was President & COO at Paytm helping it scale financial services and payments to dominant position. Before that, he led Clix Capital (a leading NBFC) as its founding CEO and had senior roles at IDFC First Bank and ICICI Bank in areas of retail banking in a career spanning over 27 years.

His appointment comes at a critical moment for India’s credit card market. The country has over 112 million^ credit cards across 75 million* unique users, yet more than 50%** of reward points go unredeemed each year due to low awareness or complicated redemption processes.  SaveSage is tackling this challenge through its AI-driven platform that helps users seamlessly track, manage, and maximise rewards.

Bhavesh Gupta said, "The credit card and loyalty rewards space in India is at an inflection point. With increased rewards awareness, evolving customer preferences, and digital adoption, SaveSage is poised for exponential growth. The opportunity to help users derive maximum value from their credit cards and loyalty programs is massive, and I’m excited to partner with the team to shape this journey."

Ashish Lath, Founder & CEO of SaveSage, said, "We are thrilled to have Bhavesh Sir guide us as we scale our efforts to empower users across India. His experience and strategic insights will help us deepen our impact and ensure that users are not just using their credit cards for expenses, but optimising them intelligently. With over 200,000 users already leveraging our platform, his guidance will enable us to hyperscale and bring even more value to our community."

Since launching in October 2024, the SaveSage app has already grown to 200,000 users, ranging from students to professionals to UHNIs, and is on track to reach 1 million users by March 2026. With Bhavesh’s guidance, SaveSage is doubling down on its mission to make every credit card in India work harder for its users.

About SaveSage

SaveSage is a mobile application that empowers users to track, manage, and maximize the value of their credit cards and loyalty program reward points. Launched in October 2024, SaveSage has quickly scaled to over 200,000 users and is on track to reach one million by March 2026. With a 4.8 rating on the Google Play Store, SaveSage is trusted by a fast-growing community of savvy consumers. The company is backed by leading investors including DSP Family Office, iSeed, Atrium Ventures, LV Fund, and prominent angels such as Bhavesh Gupta, Dr. Shriram Nene, Ravi Narayanan amongst others.

To know more, visit www.savesage.club

^As per RBI monthly data release for July 2025

*SaveSage internal estimates

**SaveSage Credit Card Survey 2025

Ali Kassab, Chairman of Freedom IP Capital

“Empathy and vulnerability are the foundation of trust. When people feel heard, they’re empowered to innovate,” said Kassab. “At Freedom IP Capital, we believe trust, empathy, and transparency are not optional—they are essential.”

Building a High-Impact Culture of Excellence

Inside Freedom IP Capital, the organizational culture is as progressive as the technology it champions. Employees are empowered, recognized, and provided with tools to thrive. The company invests heavily in:

• Continuous upskilling and professional learning

• Employee recognition programs

• Access to world-class infrastructure and digital tools

“We reward initiative and ensure every voice is valued. That’s how we build a team capable of delivering on our mission,” Kassab emphasized. Even in times of disagreement, Freedom IP Capital fosters constructive dialogue and shared purpose, turning conflict into opportunities for growth.

Client-Focused, Future-Ready

The company’s success is tied to its client-centric innovation. From fintech solutions to blockchain and digital payments, Freedom IP Capital prioritizes listening to its clients before building solutions.

“Client feedback is our compass. The ability to adapt quickly is what delivers lasting impact,” Kassab noted. This relentless focus on value-driven service ensures that Freedom IP Capital continues to stay ahead in a rapidly changing global market.

Words of Wisdom for the Next Generation

Sharing advice for aspiring entrepreneurs navigating today’s opportunity-rich digital economy, Kassab said, “Stay committed to your vision. Be agile, not stubborn. Surround yourself with people who believe in your mission. Take risks—but make them informed. And above all, never stop learning.”

A Revolution in the Making

Ali Kassab is not just building a company—he is shaping a movement. Through visionary leadership, a fearless embrace of innovation, and an unwavering belief in human potential, Kassab is transforming Freedom IP Capital into a global leader at the intersection of fintech, blockchain, and AI.

“This is more than evolution. It’s a revolution in the making—and we are proud to be leading it from the front,” Kassab concluded.

About Freedom IP Capital

Freedom IP Capital is a Cyprus-based investment and innovation company specializing in fintech, blockchain, and AI solutions. With a strong focus on client-centric innovation, cutting-edge technology, and a people-first culture, Freedom IP Capital is driving the digital revolution and empowering businesses to thrive in the new economy.

REITs and InvITs have returned 11.0% p.a. since inception (2019), higher than G-secs, FDs and Debt MFs and marginally lower than Nifty 50.

This launch comes at a transformative time for India’s real estate and infrastructure sector:

• Listed REITs have crossed a market cap of $17 billion, showcasing the growing depth and acceptance of securitized commercial real estate

• Global Capability Centers are leading to some of the highest leasing and rent growth across Tier 1 cities

• InvITs are managing over $80 billion in infrastructure assets, playing a critical role in India’s infrastructure monetization strategy

• The government’s continued focus on building roads and power assets are leading to significant returns on infrastructure

Despite this growth, there has been no professionally managed PMS that offers structured exposure across REITs and InvITs - until now. REITs and InvITs are regulated hybrid assets that provide investors with current income through quarterly distributions and capital gains through increase in the value of underlying assets. REITs and InVits are also 33% less volatile than equity and have a low correlation of 0.23 to the Nifty 50 making them ideal for investors looking for stable income with lower risk than traditional equity products.

Alt (through Property Share) is a pioneer of the REIT industry having launched the first Small and Medium REIT (SM REIT) scheme PropShare Platina in Dec’25 followed up with the second and largest SM REIT scheme PropShare Titania in Aug’25. Alt’s team has over $3 billion investment experience across real estate with the founding team having invested in assets that were listed through the first REIT (Embassy Office Parks) in 2019.

ARIPS has drawn on the extensive knowledge and experience of the investment team to curate a portfolio of REITs and InvITs that it believes will provide higher risk adjusted returns to investors in one of India’s fastest-growing yield-generating asset classes. ARIPS will offer stable income (c. 8-9% pa yield, distributed quarterly) from institutional infrastructure & real estate assets. Investors can expect to make c. 12-15% unleveraged IRRs over a 4-year hold period through quarterly distributions and capital growth.

There is dual regulatory oversight, with SEBI regulating both REITs/InvITs and portfolio managers separately, providing investors with a safe and regulated asset and product. All investments would be in highly liquid listed securities with T+1 settlement.

As per existing PMS regulations, the minimum investment in ARIPS would begin at Rs. 50 lakh.

“India is at the cusp of a generational shift in wealth allocation from traditional financial assets to real assets,” said Kunal Moktan, Co-founder, Alt. “ARIPS is built to institutionalize access to REITs and InvITs for Indian investors - offering the same risk-adjusted returns and portfolio stability that global institutions have tapped into for decades.”

ARIPS aims to be the preferred vehicle for forward-looking investors who value

• Passive income with downside protection

• Liquidity through listed vehicles

• Professional selection and active monitoring

• Diversification from equity and credit-heavy portfolios

About Alt

Alt (www.altinvest.ai) is a tech-enabled alternative investment platform that provides individual investors direct access to institutional quality alternative assets. Alt is a Series-B funded tech company backed by investors like Westbridge Capital, Lightspeed, Beenext and Pravega Ventures.

Alt pioneered the fractional investment platform model in India in 2015 through Property Share, India’s first and largest fractional ownership platform, by allowing users direct access to institutional grade office assets. When the sector was regulated in Mar'24, Property Share became the FIRST platform to receive the Small and Medium REIT license from SEBI paving the way for a fully regulated and revolutionary new asset class it had pioneered. On 10th Dec, 2024, Property Share created history by listing PropShare Platina, India's 1st SM REIT on the Bombay Stock Exchange followed up with PropShare Titania in Aug’25. It remains the only SM REIT in the country as of date to have successfully listed assets.

With offices in Mumbai, Bangalore and London, Alt provides investors access to a diverse range of alternatives including private credit, private real estate in India and UK, public real estate in the US, Canada, UK and India through listed REITs, Cat II AIFs, Portfolio Management Services and an LRS fund out of GIFT City. With 300,000+ users and more than $250 million in assets under management, Alt is using technology in providing ground breaking access to alternative assets to individual investors.

It is especially suited for those wanting to invest small amounts regularly. Digital gold apps also let investors check live market trends and ensure liquidity without worrying about safety. Platforms like Wizely make the entire experience even more seamless, combining ease of use with high levels of security and transparency.

Physical Gold vs Digital Gold

Choosing between physical gold and digital gold depends on factors like convenience, cost, and security. While both serve as valuable assets, their features differ significantly. The table below highlights the key differences to help make an informed decision.

Why Choose Digital Gold?

Digital gold combines the timeless value of gold with the ease and efficiency of technology. It offers a smart, secure, and flexible way to save and grow wealth in today’s fast-paced world. Here are a few key benefits investors can consider:

• Acts as a stable safety net during market downturns

• Offers quick access to funds in emergencies through easy liquidation

• Combines traditional gold value with modern, secure technology

• Eliminates making charges and locker fees associated with physical gold

• Stored safely in insured vaults at no additional cost

• Enables low-cost, fractional investing starting from minimal amounts

• Ideal for beginners and those building wealth gradually or without a large corpus

• Eliminates concerns related to physical storage, theft, or loss

• Simplifies gifting by allowing digital transfers for any occasion

• Recipients can hold or convert the gold as preferred

• Preserves the cultural value of gold in a modern format

Taxation on Digital Gold

Taxation on digital gold applies in the same manner as physical gold. While offering a modern and convenient way to invest, gold investment is subject to capital gains tax. The holding period directly impacts tax liability and overall returns.

When investors hold digital gold for 24 months or more, it is treated as a long-term capital asset. In this case, a tax rate of 12.5% is applicable with a cess. If sold before 36 months, the gains are considered short-term, and tax is applicable as per the investor’s income tax slab.

Getting Started with Digital Gold Investment on Wizely

To invest in digital gold with Wizely, investors can download the app from the Google Play Store or Apple App Store. The following steps outline the process:

1. Enter a mobile number and email address, then verify through OTP

2. Set a secure 4-digit PIN to protect access

3. Provide the full name as per PAN card records

4. On the home screen, select the ‘Buy Gold’ option

5. Choose the investment amount, starting from Rs. 100

6. Complete KYC by entering the PAN number

7. Make the payment; the gold rate remains fixed for 7 minutes during this step

This straightforward process enables investors to safely and efficiently start investing in digital gold through the Wizely platform.

Buying digital gold is a smart and accessible way to grow wealth. It removes the limitations of traditional investment methods. On the WizelyApp, users can experience a seamless platform to start investing in gold from just Rs. 100. It offers real-time pricing and secure, insured storage.

Whether saving for long-term goals or building a saving habit, investing in digital gold through Wizely fits both new and experienced investors. With complete transparency and flexibility, it puts control and confidence in the hands of the user. Investors can download the WizelyApp today and take the next step in their digital gold investment journey.

Features of Bajaj Finserv Small Cap Fund

Let’s explore how the Bajaj Finserv Small Cap Fund may potentially fit into your mutual fund portfolio.

Focus on quality to manage volatility

Investing in a small cap company comes with its share of volatility. Being new businesses, they are more sensitive to market cycles, funding challenges and competitive pressure.

The Bajaj Finserv Small Cap Fund addresses all these challenges through a quality-driven, research-backed stock-selection process. This means that the fund seeks to invest in companies that have strong fundamentals and suitable management practices. By focusing on businesses like these, the fund aims to minimise exposure to speculative companies and build a potentially robust portfolio that may be more suitable in the long run. However, it must be noted that even a quality portfolio cannot be immune to short-term market movements. 

Targeting long-term scalable growth

One of the main objectives of the Bajaj Finserv Small Cap Fund is to select companies that have the capacity to scale in the future. This means that these companies are usually aligned to India’s broader structural shifts.

This fund also looks for long-term growth stories that are backed by sustainable businesses not just short-term gains. This emphasis on scalable growth, when combined with valuation discipline, is intended to support long-term wealth creation potential for investors.

A research-driven and disciplined approach

The small cap sectors can often have companies that are under-researched and overlooked. Many have limited analyst coverage or inconsistent disclosures. To overcome this, the Bajaj Finserv Small Cap Fund relies on in-depth analysis and Bajaj Finserv AMC’s proprietary INQUBE philosophy to evaluate opportunities.

This means scanning companies for their fundamentals, business models, and management track records. The fund management team also takes a meticulous approach to constructing the portfolio, seeking diversification across sectors.

Through this active management of the fund, the portfolio may be able to respond to market movements and keep a long-term focus rather than be influenced by short-term switches.

Who can consider investing?

Here’s a couple of deciding factors you may consider when investing in the Bajaj Finserv Small Cap Fund:

1. Your risk appetite – If you are someone with a higher risk appetite, this mutual fund may be a suitable option for you

2. Your investment horizon – If you are looking to invest for a longer period, the small cap space may be a potential option to explore

3. Your portfolio diversification – If you are looking to diversify your portfolio, a mutual fund in the small cap segment may be your opportunity to potentially add variety to your portfolio

Considering all this, if you are still averse to exploring the small cap segment, you can start with a Systematic Investment Plan in the mutual fund of your choice. In this scenario, doing an SIP in the Bajaj Finserv Small Cap Fund may help you gradually build exposure in the small cap space while mitigating market risks and building long-term participation. You can consider using an SIP calculator to calculate your monthly SIP amount based on your financial goals.

How to invest

You can invest in the Bajaj Finserv Small Cap Fund online through the official Bajaj Finserv AMC website or via authorised mutual fund distributors. Investments can be made through direct or regular plans. To learn more about the investment process, visit www.bajajamc.com.

Units will be available at an offer price of Rs. 10 per unit during the NFO period (June 27, 2025 – July 11, 2025).

Conclusion

If you are looking to venture into small cap investing, the Bajaj Finserv Small Cap Fund may offer you an entry point with its structured and quality-focused approach. The fund invests in companies that are trading under their intrinsic value due to a temporary shift which means that you can add companies with sustainable practices to your portfolio.

Before investing, it is advisable to assess whether this fund aligns with your financial goals and risk tolerance. Investors may also explore systematic investing options like SIPs and consult a financial advisor to make a well-informed decision.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

It allows investors to buy, sell, and store gold online without any hassle. While physical gold has drawbacks like storage and handling, digital gold is popular for the ease it provides. Wizely stands out among various apps that allow investment in this asset online with its simple interface and smart features.

It offers live tracking of gold prices, secure storage, and instant withdrawals. Here’s how Wizely makes gold savings smarter and more convenient.

Digital Gold vs Physical Gold: Which is Better?

Physical gold offers ownership in coins or jewellery and acts as a hedge against inflation. It offers liquidity but requires safe storage and insurance, and in some cases, high making charges. Often times, buyers may face issues like a high initial investment amount, risk of theft, and lack of physical documentation about purity or hallmarks.

Digital gold provides a modern means to invest in gold online using apps and websites. It enables investors to buy small quantities of gold without physically securing it themselves. With real-time pricing that reflects the market price of physical gold as well as easy liquidity, digital gold suits tech-savvy investors.

Here is a quick comparison between the two:

How Wizely Simplifies Gold Investing for Savvy Investors

Wizely strives to make digital gold investments effortless. Here are some features of this robust app:

• One can start investing in 24K pure digital gold with as little as Rs. 100 without waiting to accumulate a larger corpus

• When customers invest in digital gold online, a physical equivalent is securely stored in vaults/bank lockers by trusted partners

• Investors can stay updated with live gold prices displayed on the app, ensuring informed decision-making

• Investors can buy or sell gold anytime with instant withdrawals, offering the flexibility of capitalising on market fluctuations and managing investments easily

• Users can invest in digital gold without the hassle of setting up a separate Demat account

• Digital gold investments on this app require no physical documentation and offer complete transparency
   

Stepwise Guide to Start Investing on Wizely

To get started with their digital gold investment and savings journey, customers may begin by downloading the app. The Wizely app is available on both the Google Play Store and the Apple App Store.

Once customers install the app on their device, they can follow these simple steps on logging in for the first time:

1. Enter mobile number and email and verify with an OTP

2. Set the app PIN for security

3. Enter the name as per PAN details

4. On the home page, click on ‘Buy Gold’

5. Choose the amount to invest, starting from as low as Rs. 100

6. Click on ‘Complete KYC’ and enter the PAN number for verification

7. Complete the payment process (Wizely locks the current gold rate for 7 minutes until consumers complete the purchase)

Consumers can then monitor their gold investment in real time through the app's dashboard​ and sell or redeem the investment for physical gold whenever required.

With digital gold now offering a secure and convenient way to partake in the yellow metal, savvy investors are making the switch. Wizely helps in this process with features such as:

• Minimum investment amount starting at just Rs. 100

• 99.99% 24K pure gold from SafeGold certified by NABL

• Instant and hassle-free process to buy or sell gold

• Protection of gold in highly safe vaults

With the Wizely app, users can track live gold prices and make smarter buy-sell decisions for better profits. For anyone who wants to invest in digital gold smartly and conveniently, Wizely is one of the best solutions. Users can download the Wizely app and begin saving in gold today to upgrade their investment portfolio!

Axis Max Life Unveils Smart Innovation Fund to Tap High-Growth Sectors

The Axis Max Life Smart Innovation Fund aims to capitalize on emerging opportunities in artificial intelligence, healthcare, biotechnology, Financial sector, energy, consumer sector and other disruptive industries, offering potential long-term capital appreciation.

Sachin Bajaj, EVP and Chief Investment Officer, Axis Max Life Insurance, stated, "Innovation is the key driver of economic growth, and investors today are keen to participate in transformative sectors that define the future. The Axis Max Life Smart Innovation Fund is designed to identify companies across sectors, that are going to benefit from the innovation theme and strategies. With a dynamic and actively managed investment approach, we aim to deliver sustainable long-term growth while aligning with evolving investor preferences."

In order to identify the most promising investment opportunities, Axis Max Life will assess and benchmark companies’ innovation capabilities and potential across three critical dimensions: Commitment, Influence, and Originality. These parameters help evaluate businesses striving to enhance their competitive edge through innovative practices and technologies. Moreover, the fund’s active management approach ensures adaptability to market conditions, making it a compelling addition to Axis Max Life’s growing suite of ULIP investment options.

The fund will be available through Axis Max Life's- ULIP products, including the Online Savings Plan, Flexi Wealth Advantage Plan, and Smart Term with Additional Returns ULIP.

About Axis Max Life Insurance Limited

Axis Max Life Insurance Limited, formerly known as Max Life Insurance Company Ltd., is a Joint Venture between Max Financial Services Limited (“MFSL”) and Axis Bank Limited. Axis Max Life Insurance offers comprehensive protection and long-term savings life insurance solutions through its multi-channel distribution, including agency and third-party distribution partners. It has built its operations over two decades through a need-based sales process, a customer-centric approach to engagement and service delivery and trained human capital. As per the annual audited financials for FY2023-24, Axis Max Life Insurance has achieved a gross written premium of INR 29,529 Cr. 

For more information, please visit the company website at www.maxlifeinsurance.com

Mr. Navneet Garg, Founding Partner, Tavasya Capital Managers LLP (Investment Manager)

Tavasya SSF is a Category I Alternative Investment Fund (Special Situation Fund) established in the last quarter of 2023. The fund was set up by Ms. Shivani Singla and Mr. Navneet Garg who bring in a blend of experience spanning the international markets and the distressed assets space in India.

The initial close of the second scheme comes within six months of the successful close of the first scheme of Tavasya SSF with a fund size of Rs. 400 Crores.

Tavasya Mudrikaran Scheme II intends to co-invest with leading Asset Reconstruction Companies of the country to acquire debts of distressed companies.

This model of investment blends the stability of Asset Reconstruction Companies with the flexibilities offered by Alternate Investment Funds platforms.

This investment strategy has found favour with evolved investors which is evidenced from the fact that despite the SSF category being a new investment theme, the Tavasya Mudrikaran Scheme II, was met with investor commitments from leading domestic family offices and HNIs.

Statements from the Founders

“This growing interest from sophisticated domestic investors reflects the market perception of higher certainty in outcomes in distressed assets transactions in India and bodes well for this sector,” Shivani Singla - Founding Partner, Tavasya Capital Managers LLP (Investment Manager).

“We believe that with blend of a deep understanding of the distressed asset space in India and proprietary access to distressed opportunities, Tavasya SSF is uniquely positioned to identify and deploy in opportunities at levels lower than their intrinsic values and deliver superior portfolio returns to our investors,” Navneet Garg - Founding Partner, Tavasya Capital Managers LLP (Investment Manager).

Mr. Rajesh Shukla Chief Strategist, National Intellectual Advisory, Mentor at Inspire India Now, Venture Studio Capital, Jagoo Nari Federation and Padhega Bharat
 

Enhancing Transparency and Trust

Compliance ensures that businesses maintain accurate records and disclose critical financial and operational details. This transparency builds trust between the investor and the company.
 

A company listed on the stock exchange is required to publish audited financial statements quarterly. Adhering to this requirement assures investors of the company’s financial health and reduces the risk of fraud. As a result, it provides higher investor confidence leads to increased funding and a stable shareholder base and good returns to a company and investors.

Minimizing Risks Through Legal and Regulatory Adherence

Following regulations like environmental, financial, or industry-specific standards protects businesses from fines, lawsuits, and reputational damage, which could erode profits.
 

In India, companies compliant with SEBI (Securities and Exchange Board of India) regulations ensure fair practices in financial dealings, making it safer for investors to buy shares. A case like Satyam Computers (2009 fraud) shows how non-compliance can destroy investor wealth, while compliant companies like TCS consistently deliver returns and remain investor favourites.

Protecting Investors’ Capital: By complying with corporate governance standards, businesses ensure that the company is managed ethically, and the investors’ interests are prioritized. A company issuing debentures must adhere to the Companies Act, which mandates creating a debenture redemption reserve. This reserve ensures that investors receive their principal and interest on maturity, reducing the risk of default.
 

Ensuring Longevity and Growth

Compliant companies are more likely to sustain growth as they can access broader markets, secure better partnerships, and avoid regulatory setbacks. When Reliance Industries followed all FDI regulations to secure investments from Facebook and Google for Jio Platforms, it showcased its compliance-driven growth strategy. Investors gained billions in returns due to the company’s scalable business model and adherence to legal frameworks.

Attracting Global Investors

International investors prioritize companies that comply with global standards, such as ESG (Environmental, Social, and Governance) criteria. This opens doors to larger pools of investment. Tesla, by maintaining ESG compliance, attracts green investors who value sustainability. This has bolstered Tesla’s market capitalization and allowed investors to make significant profits.

Reducing Costs Associated with Non-Compliance

Avoiding penalties, legal fees, and damage control from non-compliance helps businesses retain profits, which translates to better returns for investors. Companies like Volkswagen faced billions in fines for emissions scandals, eroding shareholder wealth. In contrast, compliant automakers like Toyota maintained investor confidence and delivered steady returns.

The Criticality of Being Compliant

Compliance is the rule and regulation, the enforcement of a culmination of laws, standards, codes of practice, and ethics that an organization must adhere to. Hence, for investors and, in particular, for companies operating in extremely regulated sectors like finance, healthcare, or real estate, compliance is obligatory; it is basic a necessity and not optional.

Risk Mitigation: Legal and Financial

Failure to comply with regulatory orders could lead to horrendous fines, more lawsuits and serious reputational damage for the firm. For example, violating securities law or anti-money laundering laws could bring adverse effects on a company's financial standing or on investor confidence. Rather than viewing compliance as a mere complete process involving taxes and audits, the compliance perspective promotes proactive compliance frameworks to address the risk by focusing on mitigating the risk itself first, thus enabling companies to keep their focus on growth.

Trust building with stakeholders

Regulatory adherence indicates confidence and respect of clients, partners, and investors in the companies. This emphasizes the compliance culture of the company and place it as legitimate and ethical in the market.

Expanding Market on International Level

For companies considering workable expansion into global markets, compliance takes on immeasurable importance. The company must understand foreign regulations to conform to standard practices within the local laws and procedures. Non-compliance can hamper border-crossing activities; hence, a good compliance program is absolutely critical.

The Role of Expert Teams

Where compliance lays down a foundation towards stability, it is these expert teams that drive innovation and helps in taking strategic decisions. Such teams comprise of experts with specialized knowledge and skills responsible for maximizing the returns on investment.

Data-driven Decision Making

A team of specialists in analytics using big data performs complex market opportunity exploration and risk analysis. It will facilitate the right action on insights from complex datasets for informed investment decision-making at a business entity.

Portfolio Optimization

These are models to create optimized portfolios by investment professionals like portfolio managers analysts and strategists. They act as a steering force to provide assurances that investments have congruency with short-term goals and long-term strategies, ensuring a balance between risk and return, maximizing rewards in terms of returns.

Regulatory Expertise

Inclusion of legal and compliance experts into the team is an assurance that every investment activity is compliant with all applicable regulations. Their experts are updated on all regulatory changes, so that firms never miss such evolutions, nor do they fall into difficulties.

Operational Efficiency Improvement

Operational experts streamline processes, reduce costs, and enhance execution efficiency. Whether it is automation of routine tasks or implementation of advanced trading platforms, their contributions significantly raise the bar on performance.

Now comes the magic through the interplay between compliance and expert teams in the alignment between the two to create a powerful ecosystem that may drive sustainable and high returns on investments. It works as described below:

Alignment of Strategy: While compliance works on bringing investment strategies under regulatory requirements, expert teams devise innovative strategies under available building blocks.

Risk Management: The convergence of risk analysts with compliance teams ensures the early recognition and mitigation of threats.

Reputation Management: The innovative strategies of the expert teams, in combination with a very strong compliance system, further enhance brand reputation and efficiency in attracting investors and more opportunities.

The world-wide expansion involves utilizing local knowledge on regulations and market information, with these establishing opportunities for companies to enter into new geographies fearlessly.

Specialized Industry

Finance & Financial Stability

In the finance sector, firms must adhere to regulations such as the Basel III framework and MiFID II (Markets in Financial Instruments Directive II) to ensure compliance. Quantitative models and AI are used by expert teams for trading strategies and risk management to ensure compliance while neither sacrificing returns.

Access to Credit and Capital Markets

Banks and financial institutions prefer lending to companies with a clean compliance record. This lower borrowing costs, allowing companies to invest in growth and improve investor returns. A company compliant with Basel III norms (international banking regulations) will have better credit ratings and access to cheaper loans, ensuring financial stability and growth.

Healthcare

Health-care investments must comply with stringent regulations, such as HIPAA, FDA guidelines, etc. Expert teams with doctors and regulatory executives go through every investment in biotech, pharmaceuticals, or health-care facilities to make sure that investments in those sectors meet the guidelines while still identifying satisfying opportunities.

Conclusion

Maximizing returns on investments is a multifaceted endeavour that demands more than just market expertise. A robust compliance framework ensures stability and mitigates risks, while skilled teams drive innovation and deliver the precision essential for strategic growth. This powerful combination forms a steadfast formula for success in an increasingly competitive marketplace. For investors and firms aiming to thrive, integrating compliance with expertise is no longer merely a prudent strategy—it has become an absolute necessity.

The Writer is Mr. Rajesh Shukla is Chief Strategist, National Intellectual Advisory, Mentor at Inspire India Now, Venture Studio Capital, Jagoo Nari Federation and Padhega Bharat.

Bharat Bank Organizes the Bharat Business Meet, A Business meet Specially Crafted for Entrepreneurs and Visionaries

The Meet was inaugurated by the Chairman of the Bank Shri. Suryakant Jaya Suvarna, in the presence of Vice Chairman Adv. S.B. Amin, Directors Shri Naresh K Poojari Shri Mohan G Poojary, MD & CEO Shri. Vidyanand S. Karkera, Joint Managing Director Shri. Dinesh B. Salian & General Manager Shri. Vishwanath Suvarna.

The Chairman of the Bank Suryakant J. Suvarna in his speech thanked all the participants for participating in the business meet and assured the participants about Bank’s commitment to work in developing new products and induction of new technology in Banking.

Some of the valuable customers who were present during the meet, shared their experiences and feedback.

Shri. Umesh Tayde, Chairman of AAMA (Additional Ambernath Manufacturers’ Association) congratulated and appreciated the efforts put forward by the management & the staff of Bharat Bank towards conducting an exclusive event for businesses at and around MIDC Ambernath Additional Industrial Area. Adding to this Mrs. Sumati Patil of Suma Pharmaceuticals reflected on her long-lasting relationship with the Bank and how bank employees provide best customer service to its customers due to which now every member of her family has a strong banking relationship with Bharat Bank. 

Mr. Sameer Mody of Mody Pumps highlighted the long fruitful association with the bank and he praised ethos of the Bank, as management of the bank upholds honesty and transparency in their operations. He also lauded the service of BHARAT BANK which transformed itself with changing times, and highlighted on how the bank has adopted technology and is constantly striving on delivering the best to its customers. Ashok Kumar Hegde of Garuda Family Restaurant expressed his views on the role of banking sector in the growth of the economy and expressed his gratitude to the employees of the bank for their customer friendly service. 

Mr. Kanti Gada of Medion Healthcare thanked Bharat Bank for its unwavering support due to which he was able to scale his business trifold in the past few years. Being associated with the Bank since 1991 he applauded Bank’s efforts to maintain its customer-friendly banking service and provide safety of funds to its customers.

To add value to the entire event and the attendees Bharat Bank planned a knowledge sharing session under which industry veterans and professionals with strong business acumen conducted three training sessions as below 

“Work Life Balance & Productivity” by Mr. Vidhu Sharma, Ex VP Novartis, Diebold and Abbott, “Transfer of Power to 2nd Generation in Business” by Mr. Shyam Iyer, Ex HR Head TATA Group and “Digital Transformation in Business” by Mr. Pradip Pardeshi, Certified Microsoft Trainer. These sessions were cheerfully accepted and were whole-heartedly participated by all the attendees.

During the closing note Mrs. Kasturi Poojary - Branch Head - Ambernath Branch gave a warm thank you note sharing her gratitude for the benevolent presence of everyone in the event and shared her special thanks to our valued customers, our board of directors, our management, the credit department and the marketing team.

Entrepreneur First (EF), the world’s first “Talent Investor”, has launched a new office in South Park, San Francisco to connect the world’s best founder talent with the world’s best funding ecosystem.  Five Indian companies built from scratch in EF's Bangalore program will be invited to relocate to San Francisco following EF’s pre-Seed Investment Committee.

Rahul Samat, Partner & India Head Entrepreneur First

These Indian startups will have the opportunity to continue their journey in San Francisco, growing what they’ve built into an early-stage company while gaining access to US investors, customers, and markets. This immersive program further reinforces EF’s commitment to strengthening the India-US corridor, helping exceptional Indian founders build global-first companies from their very inception.

The inaugural San Francisco batch will be made up of 33 global teams who will be working on everything from non-invasive brain-computer interfaces to decode language-related thought in the brain to Figma for spatial computing. EF has also upgraded its investment terms for founders joining their programs across the globe. Teams that pass their pre-Seed Investment Committee will be offered a $125,000 investment for an 8% convertible instrument. In addition to the $125,000 investment amount per company, every founder will receive a pre-seed advance of up to $5,000 investment amount upon acceptance into one of their programs in India.

The immersive program comes as a follow-up to the graduate program launched in India in March 2023. Successful teams from the graduate program were given the tools, advisory, and required funding to launch their startup focused on rapidly growing their idea into an early-stage company. The EF India team has been mentoring 30 exceptional individuals as a part of this cohort and preparing the India teams for creating value with a global customer base from their inception. The selected teams from India comprise of:

• CodeAnt AI | Amartya Jha, Chinmay Bharti | CodeAnt AI is a DevTool that helps companies find and auto-fix code issues and security vulnerabilities.

• Hanomi | Marco Mascolo, Drishti Bhasin | An engineering co-pilot to slash design cycles for hardware companies by 50x.

• Insight XR | Sudhanshu Heda, Akshat Khare | Building an Analytics and Insights Platform for XR Experiences to help teams build data-backed experiences.

• Iterate AI | Saksham Aggarwal, Shubhram Bhattacharya | Creating infinite engineering bandwidth for product teams.

• Repello AI | Aryaman Behera, Naman Mishra | Automated red-teaming tool to proactively find vulnerabilities in generative AI applications.

• Unproject | Rishabh Singh, Viba Mohan | Building the Figma for spatial computing. 

Alice Bentinck, co-founder and CEO of Entrepreneur First, said, “It’s well known that Europe and India have some of the world’s most talented engineers. But their path to becoming globally important founders is still too fraught with obstacles. Launching the SF hub is not just about access to the world’s best investors, but it’s about the ‘wet-ware’ mental upgrade EF founders will get from being surrounded by a dense ecosystem of ambitious peers.”

Talking about the immersion program Rahul Samat, Partner and India Head of Entrepreneur First, said, “From Bengaluru to San Francisco, our immersive program is a testament to our commitment to Indian founders, enabling them to build global companies from inception. Witnessing their growth over the past year has been inspiring, and we eagerly anticipate their global impact. As they step onto the global stage, their diverse perspectives will not only contribute to the entrepreneurial fabric of their home countries but also enrich the global startup ecosystem.”

Once founders relocate to San Francisco post funding from EF’s Investment Committee, they will be matched with a Silicon Valley advisor, attend weekly conversations with experienced founders, operators, and investors, and pitch to world-leading investors at an in-person Demo Day hosted by Reid Hoffman.

Building across a wide range of sectors, EF India’s portfolio boasts 50+ successful startups such as gamified investment and personal finance platform Fello, which has a user base of over 1,000,000 people and raised US$4M in their latest funding round, and Beatoven, which harnesses artificial intelligence to empower video and podcast content creators in composing original soundtracks without any prior music expertise.

For  more information, please visit our website www.joinef.com

About Entrepreneur First

Founded in 2011 by Matt Clifford and Alice Bentinck,  Entrepreneur First is a category-defining investor in entrepreneurial talent. EF’s portfolio companies have been backed by world-leading investors, including Sequoia, Andreessen Horowitz, Softbank and GV (formerly Google Ventures). The startups cofounded on their programs are now worth over $10B, and include Tractable, Magic Pony Technology, Cleo, La Vie, Aztec, Sonantic, and many more. They have offices in London, Paris, Bangalore and San Francisco. Sharing their expertise, Matt and Alice have co-authored the book “How to be a Founder” (Bloomsbury Publishing), which was released in August 2022.

Entrepreneur First, the world’s first “Talent Investor” finds and funds the world’s best early-career, technical founder talent pre-team and pre-idea. Since 2014, they’ve built a portfolio worth >$10bn with this unique approach to company creation and are backed by founders including Patrick and John Collison, Reid Hoffman, Taavet Hinrikus and Matt Mullenweg.

EF’s impressive global roster of backers includes John and Patrick Collison (co-founders of Stripe), Taavet Hinrikus (co-founder of Wise), Reid Hoffman (co-founder of LinkedIn), Matt Mullenweg (co-founder of Wordpress), Tom Blomfield (co-founder of Monzo and GoCardless), Nat Friedman (former CEO of Github), Sara Clemens (former COO of Twitch and Pandora), Matt Robinson (co-founder of Nested and GoCardless), Patrick O’Shaughnessy (Positive Sum), Demis Hassabis and Mustafa Suleyman (co-founders of Deepmind), Claire Hughes Johnson, Sten Tamkivi, Elad Gil and Lachy Groom.

Appendix: Details of companies from India in the inaugural batch

CodeAnt AI | Amartya Jha, Chinmay Bharti | CodeAnt AI is a DevTool that helps companies find and auto-fix code issues and security vulnerabilities. Amartya led the DevOps and Infrastructure teams at unicorns like Zeta and ShareChat, scaling their infrastructures and applications to handle hundreds of millions of requests. Chinmay was the founding engineer at Zevi AI and built search infrastructure for the biggest D2C brands to handle millions of requests.

Hanomi | Marco Mascolo, Drishti Bhasin | An engineering co-pilot to slash design cycles for hardware companies by 50x. Marco was awarded Best Student in Imperial College's Engineering Department, with an MSc in Fluid Dynamics, and hands-on experience from NASA to Formula 1, building 3D printers and robotic arms since age 12. Drishti has a mechanical engineering background, from top IIT, combined with 5 years of AI expertise, and key roles at Microsoft, NannyML, Quansight, and multiple publications in top conferences.

Insight XR | Sudhanshu Heda, Akshat Khare | Building an Analytics and Insights Platform for XR Experiences to help teams build data-backed experiences. Sudhanshu was a Founding Member in a Series A funded XR Startup where he developed a platform to deploy AR/VR/MR Experiences for more than a dozen Fortune-500 Enterprises. These experiences garnered more than 50M users. Akshat graduated from IIT Delhi with a Computer Science Degree. He was a Senior AI Researcher developing cutting-edge AI solutions leveraging LLMs and LVMs for US State Governments and Pharmaceutical companies.

Iterate AI | Saksham Aggarwal, Shubhram Bhattacharya | Creating infinite engineering bandwidth for product teams. Shubhram was a product manager and built India's first book-keeping app for truck owners and scaled it to 1.2 million users. Saksham is a CS senior from BITS Pilani. He worked as a full-stack developer at pyor.xyz, building the interpretation layer for digital assets which led to scaling the waitlist to 120k+ users.

Repello AI |Aryaman Behera, Naman Mishra | Automated red-teaming tool to proactively find vulnerabilities in generative AI applications. Aryaman, with his 5 years of security research background, graduated from IIT Roorkee, was a part of Azure Red team at Microsoft. Naman is a software developer and ML Engineer who has built products used by more than half a million users and has worked with big companies like American Express. With research publications in ML Security, he brings deep-tech expertise to the team.

Unproject | Rishabh Singh, Viba Mohan | Building the Figma for spatial computing.  Unproject is currently working closely with design partners from Unity, Microsoft and Gravity Sketch to build the perfect tool for spatial designers. Viba was previously listed by Adobe as one of the 10 most promising designers of 2019. Rishabh previously worked at the Intel 3D research lab at Santa Clara with a focus on XR.

Upwisery, a boutique investment banking firm, played a pivotal role as the exclusive sell-side advisor to Altmin in this financial venture, while DSK Legal provided advisory services to the family office investor involved.

"Altmin with aspirations to become the largest manufacturer of Lithium Ferrophosphate (LFP), a cathode material required for EV battery production, aims to establish itself as a Tier 1 supplier to global cell manufacturers, leveraging a low-cost manufacturing ecosystem in India. The company envisions creating a robust supply chain to support India's transition to clean energy," said Anjani Sri Mourya Sunkavalli, Founder of Altmin.

Sunkavalli further added, "With our commitment to creating a sustainable circular economy, we have already secured interest from multiple battery players across the globe to supply our materials, and test trials of the material produced at the pilot stage are already going on with multiple clients. With this initial funding round from our strategic investor, we have secured the complete supply chain for our raw materials and will enable the company to transition from pilot-scale operations to full-scale commercial manufacturing."

Distinguishing itself in the industry, Altmin has secured a sourcing tie-up with Bolivian state company YLB, ensuring a consistent and secure supply of battery-grade lithium carbonate. Additionally, the company has forged a strategic collaboration with the Advanced Research Centre for Powder Metallurgy and New Materials (ARCI), an autonomous R&D Centre under the Department of Science and Technology (DST), Government of India, as its technology partner. Altmin has established a state-of-the-art pilot plant dedicated to LFP production in Hyderabad, further emphasizing its commitment to technological innovation and advancement in the field. www.altmin.in.

SIP investment

Understanding SIP: A wise approach to wealth creation

What is SIP?
A Systematic Investment Plan, or SIP, is a disciplined and hassle-free way to invest in mutual funds. It allows you to invest a fixed amount at regular intervals, typically monthly. This means you don't need a lumpsum to begin investing, making it accessible to a broader range of investors.

Benefits of SIP
SIP can be considered as a ‘Sabse Intelligent Plan’ that can help investors build wealth in the long run. There are a variety of benefits that SIP offers.

Rupee cost averaging: With SIP, you buy more units when the markets are low and fewer units when the markets are high. This strategy is known as rupee cost averaging and helps reduce the impact of market volatility on your investments.

Disciplined investing: SIP inculcates financial discipline. It's easy to invest a small amount regularly, which can accumulate into substantial wealth over time. It instils the habit of saving and investing consistently.

Compounding: One of the most potent wealth-building tools, compounding, is at play in SIP. Your money grows not just on the principal but also on the returns earned. The longer you stay invested, the more significant the compounding effect.

Affordability: SIP can be tailored to your budget. You can start with an amount as low as Rs. 500, making it accessible to investors from various financial backgrounds. You can make use on an online SIP calculator to determine a suitable investment amount for yourself.

How to start your SIP journey

Ready to embark on your SIP journey? Here's how you can get started:

1.Choose Your mutual fund: Select a mutual fund that aligns with your financial goals and risk tolerance. Bajaj Finserv Mutual Fund offers a range of SIP options catering to various needs. You can consider opting for Bajaj Finserv Flexi Cap Fund to build wealth in the long run.'

2. Set your investment amount: Determine the monthly amount you can comfortably invest. Remember, it's the consistency that counts, so choose an amount you can commit to regularly.

3. Select the SIP duration: Decide the duration for which you want to continue your SIP. Longer durations often result in reasonable returns.

4. Complete KYC: Ensure you've completed your Know Your Customer (KYC) formalities, a mandatory step in the investment process.
5. Start Your SIP: Once you've completed the above steps, you can start your SIP journey. Your investments will automatically be deducted from your bank account at the chosen intervals.

Who can consider investing in SIP?
Beginners in investing: If you're new to investing, SIPs can be a good starting point. It's user-friendly and doesn’t demand great financial knowledge.

Individuals with regular income: SIP aligns well with those who have a steady source of income, such as salaried employees. The systematic nature of SIP complements regular paychecks.

Long-term investors: Those with long-term financial goals, such as retirement planning or funding a child's education, can benefit greatly from SIP. The power of compounding is more pronounced over extended investment horizons.

Risk-averse investors: SIP allows you to invest in a diversified portfolio, which can help spread risk. It's a suitable choice for those who are risk-averse but still seek growth in their investments.

Busy professionals: For those with a hectic lifestyle, SIP's automatic deductions relieve the burden of manual investments. It's a convenient option for professionals with time constraints.

In a world where financial planning is often complex and overwhelming, SIP offers a simple yet intelligent solution. Start your SIP today and take the intelligent path to wealth creation.

Mutual fund investments are subject to market risks, please read all scheme-related documents carefully before investing.

EB-5 investors supported key piece of $400 million West Campus redevelopment in New Jersey’s second largest city

Funded, in part, by a $22.5 million CanAm EB-5 loan, the mixed-use project consists of two residential buildings - Cityline West on University Place and Cityline East on Carbon Place - and approximately 10,000 square feet of space for retail, together with two structured parking facilities. Approved by the New Jersey Economic Development Authority (“NJEDA”), the project was completed in conjunction with a larger redevelopment plan for NJCU known as University Place - a public-private transformative revitalization and expansion of NJCU’s West Campus into an urban village. Both EB-5-funded buildings have maintained robust occupancy since the commencement of leasing at Cityline West in late 2019. 

First established in 1927, NJCU serves nearly 8,000 students in 47 undergraduate and 30 graduate programs in wide-ranging fields including education, business, the fine and performing arts, the sciences, health, and the humanities.  The EB-5 project helps the University address the demand for quality housing, has exceeded its original goal of creating 256 U.S. jobs, and has met all USCIS requirements for processing investors’ applications for permanent U.S. residency (I-829 forms.)

“CanAm remains focused on delivering high-quality project offerings that make it possible for our EB-5 investors to get their green cards while giving them the best chances of repayment success,” said Tom Rosenfeld, CanAm President and CEO, noting that CanAm achieved its milestone 50^th repayment just three months ago. “We are pleased to work with well-established developers like PRC and its affiliates to provide much-needed housing for universities and colleges in this area, create new jobs and meet the immigration and investment goals of our investors and their families.” Rosenfeld said.

About CanAm Enterprises

CanAm Enterprises, with over three decades of experience promoting immigration-linked investments in the US and Canada, has a demonstrated track record of success. With over 60 financed projects and $3 billion in raised EB-5 investments, CanAm has earned a reputation for credibility and trust. To date, CanAm has repaid more than $2.26 billion in EB-5 capital from over 4,530 families. CanAm manages several USCIS-designated regional centers that stretch across multiple states. For further information, please visit www. canamenterprises.com

Disclaimer: Past performance is no guarantee of future results. EB-5 related decisions should be guided by the advice of and consultation with professional immigration attorneys, tax and financial advisors. Investments made through the U.S. EB-5 program must be “at risk” in the same way that investments in stocks or equity funds carry an inherent risk. There is no guaranteed financial return.

Dr. T R B Rajaa, Minister for Industries, Govt. of Tamil Nadu with senior officials from the state and industry leaders during the Global Investors Meet 2024 roadshow in New Delhi

Dr. Rajaa chaired the roadshow along with other senior officials from the state including Mr. Arun Roy, Secretary, Industry Department, Govt. of Tamil Nadu along with Mr. V. Vishnu, MD & CEO of Guidance, the state’s investment promotion agency with an objective to promote Tamil Nadu as a leading investment destination in the country by offering potential investors a host of incentives meant to garner investments and bring new business to the state.

Kicking off the domestic roadshows, Dr. Rajaa said, “Tamil Nadu possesses the best industrial landscape in the country, with the most skilled and diverse workforce, an inclusive government, a robust and mature policy framework and a strong sustainability portfolio. Tamil Nadu is the first port of call for any investor interested in India, and we are here to ensure everyone in Delhi hears that.”

“The Global Investors Meet is a fantastic opportunity to present the state’s strengths to potential investors and showcase Tamil Nadu as the powerhouse of industry and knowledge that it is. Our Chief Minister has set a target to make Tamil Nadu a US$ 1 Trillion economy by 2030, hence the state has been adopting a multi-pronged approach of wooing capital-intensive investment projects as well as employment-intensive projects, which will have a direct impact on the growth of the state’s economy,” added Dr. Rajaa.

The Chief Minister of Tamil Nadu, Mr. M.K. Stalin had recently undertaken roadshows in Japan, Singapore and UAE to attract investment to the State. He has also deputed an official delegation from Tamil Nadu to hold roadshows in other major cities.

The Delhi event saw the presence of eminent industry stakeholders including Mr. Kazuhiko Tamura, MD, Mitsubishi Electric, Mr. Shankar Vanavarayar, Chairman, CII Tamil Nadu State Council & Executive Director, ABT Industries Ltd. among others. They shared their insights on the positive investment show being prevalent in Chennai and its future prospects.

Other key dignitaries including diplomats as well as prominent industry leaders also participated at the Delhi Roadshow and had meaningful discussions and collaborations between the Government and the private sector to promote the speedy growth and development of Tamil Nadu’s industrial sector.

The Global Investors Meet 2024 is being organized by the Tamil Nadu Govt. with the objective of providing a common platform for global and domestic players to interact and explore investment opportunities in various sectors.

This summit offers an opportune platform for investors from the global community to explore the industrial opportunities in the state and also among other areas of bilateral/multilateral engagements.

This investment comes after certain funds advised by Convergent had led an investment of an amount aggregating to INR 1,540 million (USD 22 million) into HFL in 2019. The company’s revenues have since grown from INR 4,919 million (USD 71 million) for the year ended March 31^st 2019 to INR 25,981 million (USD 316 million) for the year ended March 31^st 2023, illustrating the company’s extraordinary performance and reflecting the strength of its management and business model.

HFL, founded in 1984, went public in 1988. Under the leadership of Managing Director Sameer Kothari, who took over in 2013, the company has transformed the contract manufacturing landscape in India through a relentless focus on customer relationships and strategic expansions into high-growth categories.

The company manufactures food and non-food products, including food and beverages, personal care, home care, leather shoes, accessories, and over-the-counter health products. Following this preferential allotment, Convergent’s leadership will continue to advise and assist Sameer with matters relating to organic growth and expansion, acquisitions, operations, and customer introductions.

Harsha Raghavan, Managing Partner at Convergent Finance, said, “Hindustan Foods, under Sameer’s leadership, has become a leader in India’s contract manufacturing space through its long-term approach to business expansion and deep relationships with its customers. The proposed investment is a reflection of Convergent’s stated strategy of helping build businesses over the long term, and is in line with our philosophy of helping great companies such as Hindustan Foods transform into global leaders.”

Sameer Kothari, Managing Director of Hindustan Foods Limited, welcomed this investment by saying, “We are delighted to further our partnership with Convergent. Over the last four years, the firm’s deep networks and capital allocation expertise have complemented our own capabilities and helped us leverage India’s consumption story. We are excited about future growth prospects and look forward to working with Convergent’s team more closely.”

About Hindustan Foods Limited

Hindustan Foods Limited was established in 1984 as a joint venture between the Dempo Group and Glaxo India Limited. Since the current management took over in 2013, the company has diversified its offerings across various FMCG categories including personal care, home care, food and beverages, leather shoes, and accessories.

About Convergent Finance LLP

Convergent Finance LLP is an investment management and advisory partnership at the forefront of bringing together Ideas, Capital, and passionate Entrepreneurs. The Convergent investment process involves identifying proprietary platform and bolt-on opportunities, speed of execution, and a relentless focus on performance improvement. The Convergent value investing approach believes in paying fair and reasonable valuations through bilaterally negotiated transactions.

Shri G. Krishnakumar, Chairman & Managing Director

Speaking at BPCL's annual shareholders meeting, Mr. Krishnakumar said, “We have consciously taken deliberate steps in reassessing and re-prioritizing our focus areas in light of the latest industry trends and governmental policies. Introducing 'Project Aspire' - our new strategy that is built on eight pivotal pillars. These pillars are clubbed under two main themes: 'Nurturing the Core' and 'Future Big Bets'. 'Nurturing the Core' has three foundational pillars: Refining, Marketing and Upstream. 'Future Big Bets' is anchored on five key areas: Gas, Non-fuel Retailing, Petrochemicals, Green Energy Businesses, and Digital Ventures. This aspiration is our roadmap to the future, and together, we will journey through this transformative era.”

BPCL has recently approved an Ethylene Cracker Project at Bina. With an investment of Rs. 49,000 crores, this project marks a historic milestone as the largest single investment in BPCL's history. As a part of the project, the capacity of Bina Refinery is being enhanced from 7.8 MMTPA currently to 11 MMTPA, which is expected to go a long way in securing BPCL’s markets in the Northern and Central India. “We believe that this project will drive the production of essential petrochemicals - increasing the share of petrochemicals in BPCL’s product portfolio to approximately 8%. This investment dovetails well with the government mission to make India a self-reliant and globally competitive petrochemical manufacturing hub,” added Mr. Krishnakumar.

“With an aim to expand BPCL’s infrastructure network, BPCL will be setting up POL (Petroleum Oil & Lubricants) & LOBS (Lube Oil Base Stock) installations along with receipt pipelines at Rasayani, with investments of approximately Rs. 2,753 crore. This is expected to debottleneck the evacuation of products from Mumbai Refinery and ensure seamless supplies, particularly to the Northern markets,” said Mr. Krishnakumar. 

BPCL is also diligently expanding its CGD networks across 25 Geographical Areas covering 62 districts in the country.

Towards achieving net-zero emissions by 2040 for both Scope 1 & Scope 2 emissions, BPCL has drawn a net-zero roadmap which encompasses the Green Energy Businesses, Carbon Capture, Utilization, and Storage (CCUS), efficiency improvement, and the offset procurements. This would require an estimated phased capital outlay of approximately Rs. 1 lakh crore till 2040 and BPCL is geared for the same.

In E-Mobility, BPCL plans to provide electric vehicle charging facilities at 7,000 energy stations in the next five years. Certain highways are already equipped with BPCL’s Rapid Charging EV Corridors.

In the Biofuel space, having achieved 10.6% ethanol blending in petrol in 2022-23, BPCL plans to increase the blending to 12% in FY 2023-24 and endeavors to reach 20% blending by 2025. BPCL is also setting up an integrated 2G + 1G Ethanol Bio-refinery at Bargarh, Odisha which is scheduled for completion by March 2024.

In the renewables space, BPCL aspires to build 1 gigawatt (GW) of renewable energy capacity by 2025 and 10 GW by 2040 - through both organic and as well as inorganic routes. BPCL will be investing approximately Rs. 1,000 crore to set up two 50MW captive wind power plants in Maharashtra and Madhya Pradesh to support the refineries in Mumbai and Bina.

In line with the government efforts towards boosting Green Hydrogen capacity, BPCL is also setting up a Green Hydrogen Plant at the Bina Refinery to meet the hydrogen requirements of the refinery.

Speaking about BPCL’s plans for the forthcoming rights issue, Mr. G. Krishnakumar said, “The initiatives under Project Aspire and the Net-Zero targets require substantial investments and the same are proposed to be funded through a combination of equity and debt, in addition to internal generations. In pursuit of this, BPCL has proposed a rights issue of equity capital of upto ₹ 18,000 crore towards funding of projects relating to Energy Transition, Net Zero and Energy Security Objectives.”

About Bharat Petroleum Corporation Ltd. (BPCL)

Fortune Global 500 Company, Bharat Petroleum is the second largest Indian Oil Marketing Company and one of the premier integrated energy companies in India, engaged in refining of crude oil and marketing of petroleum products, with a significant presence in the upstream and downstream sectors of the oil and gas industry. The company attained the coveted Maharatna status, joining the elite club of companies having greater operational & financial autonomy.

Bharat Petroleum’s Refineries at Mumbai, Kochi and Bina Refinery have a combined refining capacity of around 35.3 MMTPA. Its marketing infrastructure includes a network of installations, depots, energy stations, aviation service stations and LPG distributors. Its distribution network comprises over 21,000 Energy Stations, over 6,200 LPG distributorships, 525 Lubes distributorships, 123 POL storage locations, 53 LPG Bottling Plants, 70 Aviation Service Stations, 4 Lube blending plants and 4 cross-country pipelines.

Bharat Petroleum is integrating its strategy, investments, environmental and social ambitions to move towards a sustainable planet. The company has chalked out the plan to offer electric vehicle charging stations at around 7000 energy stations over next 5 years.

With a focus on sustainable solutions, the company is developing a vibrant ecosystem and a road-map to become a Net Zero Energy Company by 2040, in Scope 1 and Scope 2 emissions.  Bharat Petroleum has been partnering communities by supporting innumerable initiatives connected primarily in the areas of education, water conservation, skill development, health, community development, capacity building and employee volunteering. With ‘Energising Lives’ as its core purpose, Bharat Petroleum’s vision is to be the most admired global energy company leveraging talent, innovation & technology.

Combining analytical approach with over three decades of local experience, SMC is well placed to match businesses with the right global partners while navigating cultural and business intricacies. Translink, with its expansive network across 35 nations, unlocks a plethora of prospects for Indian enterprises.

Commenting on the partnership, Shweta Aggarwal, Director SMC Capitals, said, "This exciting new partnership with Translink Corporate Finance will allow SMC to open a myriad of opportunities for Indian companies seeking global alliances through Translink’s strong presence across Europe, Asia and the Americas. At SMC, we pride ourselves on our local market knowledge and relationships across sectors from IT/ITes and healthcare to FMCG and manufacturing. With this collaboration, we can expand our international capabilities and offer a range of solutions across geographies to our Indian clientele.

Drawing on a rich reservoir of experience, SMC Capitals brings a distinctive edge to the forefront. Our strategy seamlessly fuses quantitative and qualitative methods, highlighting our consistent knack for identifying optimal business alliances. Our skill in navigating diverse business and cultural terrains uniquely positions us to streamline and enhance the deal-making process. With Translink's expansive global network, we are poised to enrich domestic offerings and bolster our international M&A capabilities.”

David Strempel, Vice Chairman Translink Corporate Finance, said, “We are truly pleased to have SMC Capitals join Translink. India has always been of keen interest for our clients around the globe. With SMC Capitals as our partner in India, we will be able to benefit from their extensive coverage, knowledge and network of relationships across India. We are convinced that we will see an important increase in our cross-border deal flow with India,” says David Strempel, Vice Chairman Translink International.

A win-win partnership

With seamless knowledge sharing between SMC Capitals and Translink, Indian companies will be able to access a wider network, providing them with local insights and exceptional deal execution capabilities, as well as expertise in cross-border transactions, with local support in India and the target country. Translink’s sector knowledge will give Indian companies deep insight into target countries’ business potential and deal dynamics.

On the other side, SMC’s deep network in India, and access to VC/PE investee companies, this partnership will deliver high-quality, strategic deal opportunities for international clients seeking to capitalise on India’s market growth and technological advancements. This means access to a large pool of public and private companies in India, efficient target mapping supported by local intelligence and qualitative metrics, and crucial guidance to build the requisite relationships and comply with regulatory bodies to get the deal done.

The partnership presents massive potential for Indian and international companies, with a team of experienced advisors on-hand to steward deals from start to finish.

About SMC Capitals

Headquartered in Mumbai, SMC Capitals is an investment banking firm that operates with a proactive and research-driven approach. We are part of SMC Group, a well-established financial services group that has been operating for three decades and has presence in 450+ cities across India. The group is led by experienced management with extensive relationships with prominent conglomerates across India.

SMC Capitals specialises in providing result-oriented services in mergers & acquisitions (M&A), capital raising, and strategic advisory. SMC Capitals is a Category I Merchant Banker registered with the Securities and Exchange Board of India. Merchant banking services encompass public issue management, capital restructuring, stressed funding, debt syndication, corporate advisory, and ESOP Valuation.

The Company and its team have a proven track record of successful deals, particularly in sectors such as Infrastructure, Industrial, Logistics, Chemicals, Healthcare, Manufacturing, and FMCG.

About Translink

Translink Corporate Finance is an independent partnership of firms dedicated to Corporate Finance and M&A advisory services through over 35 offices in the key markets in Europe, North and South America, Asia, Australia, and Africa. Translink has been successful in advising clients on thousands of transactions since its founding in 1972 and Translink offices have acted as advisers in over 100 M&A projects during the last twelve months. Translink’s scale, reach and local knowledge is their critical differentiator, along with its formidable footprint. It leverages collective intellectual capital with deep, local, specialist sector knowledge to support its clients wherever and whenever required.

If you wish to continue getting competitive interest rates, as par with market, on your investment, you can decide to renew your FD. Bajaj Finance Limited gives you the freedom to select the renewal plan, the reinvestment amount, and the tenure to maximise the returns on your savings. You can renew your fixed deposit up to 24 hours before the maturity date.

Renew your Bajaj Finance Fixed Deposit

You can renew your Bajaj Finance Fixed Deposit in a few clicks by visiting our customer portal – My Account.

Let us elaborate the process of how you can complete the renewal in a few steps.

• Visit My Account on the Bajaj Finance website

• Enter your registered mobile number in the pop-up that appears and submit the OTP to sign-in.

• Verify your details by entering your date of birth.

• Choose your fixed deposit from ‘My Relations’.

• Click on the ‘Renew your FD’ option from the ‘Quick Actions’ section.

• Check your existing FD details and click on ‘Proceed'.

• Select the details of the renewal plan, such as amount, tenure, and renewal option.

• Verify your details with the OTP sent to your registered mobile number and proceed with renewal.

Benefits of Renewing your Bajaj Finance Fixed Deposit

1. Continuity of Investments: Renewing your FD allows you to maintain continuity in your investments. Instead of withdrawing the matured amount, you can reinvest it, ensuring that your funds remain invested, and you continue to earn interest.

2. Stable Returns: FDs offers stable returns, making them an attractive option for risk-averse investors. By renewing your FD, you can continue enjoying the safety and stability of this investment avenue. Bajaj Finance FD has one of the highest stability and safety rating to assure you of the investment.

3. Flexibility in Tenure: During renewal, you have the flexibility to choose a new tenure for your FD. You can select a tenure that aligns with your current financial goals and liquidity requirements. Bajaj Finance FDs also has an option of special tenures that can earn you even higher returns.

4. Compound Interest: Renewing your FD allows you to take advantage of compound interest. By reinvesting the matured amount, you not only earn interest on the principal amount but also on the interest earned during the previous tenure.

In case your Bajaj Finance FD has a joint holder, an OTP will also be provided to the joint account holder's registered mobile number while renewal. Though, the renewal request should be made by the primary account holder.

Renewing your fixed deposit offers a seamless and beneficial way to continue investing and growing your funds. With assured returns, safety, and flexibility in tenure, renewing your FD allows you to make the most of your investment journey

How can an FD calculator help you?
An Fixed Deposit interest calculator is an invaluable online tool that can help you make informed investment decisions. It can help you calculate the maturity amount of your fixed deposit investment, considering different parameters such as the potential interest rate, duration of investment, and applicable charges. By experimenting with different parameters, you can determine the most profitable investment strategy.

Bajaj Finance FD Calculator
Bajaj Finance FD Calculator is one of the most reliable and easy-to-use calculators available in India. The Bajaj Finance FD calculator allows you to calculate your possible returns on your FD investment in a user-friendly interface. The tool also takes into account the interest rate offered by the scheme and the compounding benefits. With the Bajaj Finance FD Calculator, you can calculate the matured amount that you will receive upon the maturity of your FD. If you are planning to invest in an FD scheme offered by Bajaj Finance, the online tool is a must-have in your investment arsenal.

Core USP of Bajaj Finance FD Calculator
The Bajaj Finance FD calculator provides a simple way to estimate the returns on your investment. The online tool is easy to use and offers investors the flexibility to experiment with different parameters. With the Bajaj Finance FD calculator, investors can easily input details such as the investment amount, the tenure of the deposit, the interest rate, and the type of FD scheme to determine the returns. The calculator gives you an option to calculate returns based on the FD you want to invest in on basis of the investor (senior citizen and non-senior citizen). It also has the option to choose the kind of interest payout you would choose for your returns. You can choose cumulative FD and non-cumulative FD which helps you extensively understand how your FD returns will vary based on your payout option. The calculator also takes into account the compounding benefits, or the interest earned on the interest.

How to use Bajaj Finance FD Calculator?

To use the Bajaj Finance FD Calculator, follow these steps:

1. Go to the official website of Bajaj Finance.

2. Click on the Investment tab on the homepage.

3. Click on The FD Calculator tab under Fixed Deposit.

4. Enter the principal amount that you wish to invest.

5. Select the tenure of your investment from the available options.

6. Next, select the type of FD scheme you wish to invest in.

7. Finally, enter the applicable interest rate to obtain an estimate of your potential return.

FDs are a safe investment option, and an FD calculator can help you determine the optimal investment plan to maximise your returns. Bajaj Finance FD Calculator is a reliable tool for people looking to invest in fixed deposits from Bajaj Finance. By using this free tool, investors can determine the expected returns of various FD schemes offered by Bajaj Finance. With its user-friendly interface and accurate calculations, the Bajaj Finance FD Calculator has become a popular tool for investors in India.

Bajaj FD Interest Rates
One of the primary reasons why Bajaj FD is attractive to investors is its high-interest rates. Bajaj Finance offers up to 8.05% interest rate at maturity for a tenor of 36 to 60 months for non-senior citizens. Bajaj Finance also offers senior citizens an additional 0.25% interest rate over and above the regular interest rates. There is also a higher interest rate applicable for special tenures of 15, 18, 22, 30, 33 and 44 months. The highest FD rate offered by Bajaj in 2023 is 8.60% for senior citizen for a tenure of 44 months.

High-interest rates make Bajaj FD a safe bet for investors seeking fixed income with minimal risk. It also serves as a hedge against inflation. The FD interest rates calculator can be used to compute the returns.

Diversification with Bajaj FD
While FDs are known for their low-risk profile, they also offer a good opportunity for diversification. Investors can invest in multiple FDs with different tenors to spread the risk and maximize the returns. With Bajaj Finance, investors can start with as low as Rs. 15,000 per FD. Bajaj Finance also offers flexible tenors ranging from 12 to 60 months. This allows investors to align with their financial goals and liquidity requirements.

Experts suggest that investors should allocate around 10-15% of their portfolio towards fixed income investments such as FDs. By diversifying your portfolio with Bajaj FDs, investors can mitigate the impact of market volatility and interest rate fluctuations.

Apart from this there is also diversification in the payouts Bajaj Finance offers for their FD. There is monthly, quarterly, half-yearly, and yearly interest payout options. You also have the option of full payout (interest + principal) at the end of the tenure (maturity).

Safety of Bajaj Finance FD Bajaj Finance Fixed Deposits have one of the highest [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings ensure that your deposits are secure and safely invested to yield good returns at maturity. This safety parameter makes Bajaj Finance Fixed Deposit a sought-out investment option for different strata of investors.

Bajaj FD for Long-Term Financial Goals
Bajaj FD is particularly useful for long-term financial goals such as child’s education, retirement planning, or saving for a home. With long-term FDs, investors can enjoy higher interest rates and high returns. The amount invested in Bajaj FDs can be used to fulfil financial goals without worrying about the market volatility and other external factors that affect other asset classes such as stocks and mutual funds.

The flexibility in tenor options also allows investors to plan their cash flows and liquidity requirements. For instance, if an investor has a financial goal that falls due in 5 years, they can invest in a 5-year FD and lock-in the interest rate for that tenor. This ensures that the investor is not exposed to interest rate fluctuations and can enjoy the high-interest rate for the entire tenor.

Core USP of Bajaj FD
One of the core USPs of Bajaj FD is its stability and strong financial standing. The NBFC has a long-standing reputation for offering high-quality financial products and services to customers. The high credit rating and robust financial performance indicate that Bajaj Finance is a reliable and stable NBFC.

Furthermore, Bajaj Finance offers flexible tenor options and attractive interest rates that make FDs an attractive investment opportunity. The ease of online account opening, and management also makes the investment process hassle-free.

In conclusion, diversification is an essential aspect of an investor’s investment strategy. Bajaj FD serves as an excellent avenue for diversification due to its fixed income and low-risk profile. Furthermore, Bajaj Finance offers competitive interest rates, flexible tenor options, and strong financial performance, making it a reliable and attractive investment opportunity. Investors can use the FD interest rates calculator to compute their returns and plan their investments accordingly. By investing in Bajaj FDs, investors can mitigate the impact of market volatility and save for their long-term financial goals.

"We are excited about this profitable arbitrage opportunity," said Suman Banerjee, Chief Investment Officer at Hedonova. "By partnering with Glencore, we ensured the utilisation of this valuable high-grade Nickel asset in the growing electric vehicle market."

Hedonova allocated $6.76 million from its investment fund, while clients contributed $33 million. The inventory purchase was completed on 10 June. Hedonova's decision to exit the Indonesian nickel co-investment was driven by concerns over Indonesia's loose labour and environmental standards, which contradict the country's aspirations to become a hub for clean technologies. The acid-leaching process used in nickel mining has resulted in highly acidic waste being dumped into oceans or pumped underground, contaminating drinking water. Additionally, local communities have suffered from the destruction of paddy farms, acid rain, and respiratory problems due to the thick smoke and dust generated by mining activities. These environmental, social, and governance (ESG) issues played a pivotal role in Hedonova's departure from the investment.

In addition to financial gains, Hedonova remains committed to environmental sustainability. The investment in high-grade Nickel inventory for electric vehicle batteries aligns with the firm's dedication to supporting sustainable industries and technologies. Hedonova continues to explore alternative investment opportunities that offer attractive growth potential while managing risks effectively. The firm's proven track record and client-focused approach have positioned it as a trusted partner in the investment landscape.

About Hedonova

Hedonova is an alternative investment firm specialising in identifying and capitalizing on unique investment opportunities across various sectors. With a focus on delivering exceptional returns, Hedonova provides clients with access to alternative investment options that offer attractive growth potential. The firm's experienced professionals utilize in-depth market knowledge and rigorous analysis to ensure strategic investments are aligned with clients' financial goals.

IVCA’s Secondaries Conference Sets the Stage for New Investment Horizons in India’s Rising Secondaries Market
 

Rajat Tandon, President, IVCA, said, “Investors seeking growth opportunities should consider capitalising on the untapped potential of the secondaries market in India. Secondary transactions will be a catalyst this decade for PE-VC activity in India by facilitating liquidity, attracting new investors, optimising portfolios, enabling exits, and expanding the deal pipeline. These transactions will play a crucial role in sustaining the growth and development of the Indian PE-VC ecosystem.”

In the global financial system, secondary transactions have emerged as an attractive investment option, providing fund managers with quick access to liquidity and the flexibility to adjust in their investment portfolios. Considering the vast pool of dry powder available and revisions in start-up valuations, as well as with a number of funds nearing end of fund life, the Indian fund management landscape is expected to witness an increased prevalence of secondary transactions this year.

Gregory Barclay, Partner and Chair, Singapore Office, Goodwin, said, “In light of historic levels of secondary fund dry power, macroeconomic conditions, and greater market acceptance we expect the volume of GP-led fund restructuring transactions in Asia generally and India specifically to continue to increase over the coming years. The complexity of the related commercial, legal, regulatory and tax issues makes it an exciting area for us to advise GPs and secondary buyers alike.”

Secondary transactions in India represent a compelling investment opportunity, and by recognising and capitalising on their advantages, limited partners and financial sponsors are expected to continue utilizing the secondary market in 2023 as generating liquidity remains a key focus of investors. 

Divaspati Singh, Partner, Khaitan & Co said, “As the alternatives industry matures in India and private commitments rise, a burgeoning secondaries market becomes imminent for the continued growth of the industry. Liquidity is ofcourse the driving consideration behind secondaries. Whether it is the investors wanting an earlier liquidity or the fund not having to rely solely on IPOs, secondary transactions can act as the bridge between LPs and funds wanting liquidity for their assets and incoming investors looking for access to identified assets. With SEBI closing the window for funds to extend their life beyond the originally stipulated term, secondaries could be the real saviour for such funds,” said,

The IVCA Secondaries Conference session shed light on various aspects of GP-led secondaries in India, such as key commercial and regulatory considerations, emerging themes and challenges, and taxation. Industry experts Vivek Mimani, Partner, Khaitan & Co, and Divaspati Singh, Partner, Khaitan & Co, shared insightful observations on the evolution, considerations, and challenges of GP-led secondaries in India. Dominic Wong, Counsel, Goodwin, and Manish Ranjan, Counsel, Goodwin explored international trends in secondaries and their relevance for India. Neha Grover, Regional Lead-IFC, South Asia Funds Group, International Finance Corporation, & Bijal Ajinkya, Partner, Khaitan & Co, participated in an illuminating fireside chat at the conference. The event concluded with a stimulating discussion on the future of and expectations for GP-led secondaries, in which Alok Gupta, Head of India, Foundation Private Equity; Dominic Goh, Managing Director, HarbourVest; Peter Lui, Executive Director, LGT Capital Partners; Norbert Fernandes, Director, TR Capital; Siddharth Shah, Senior Partner, Khaitan & Co; Nitin Agarwal, Managing Director, TPG NewQuest; and Gregory Barclay, Partner, Goodwin, shared their views and projections.

About IVCA

Indian Venture and Alternate Capital Association (IVCA) is a not-for-profit, apex industry body promoting the alternate capital industry and fostering a vibrant investing ecosystem in India. IVCA is committed to supporting the ecosystem by facilitating advocacy discussions with the Government of India, policymakers, and regulators, resulting in the rise of entrepreneurial activity, innovation, and job creation in India and contributing towards the development of India as a leading fund management hub. IVCA members are the most active domestic and global VCs, PEs, funds for infrastructure, real estate, credit funds, limited partners, investment companies, family offices, corporate VCs, and knowledge partners. These funds invest in emerging companies, venture growth, buyout, special situations, distressed assets, and credit and venture debt, among others. 

Bajaj Finance Insta Personal Loan

Let's explore the significant benefits of opting for a Bajaj Finance Insta Personal Loan:

Hassle-free application

With the Insta Personal Loan, there is no need to go through a lengthy application process to determine the eligible loan amount. Both existing and new customers can effortlessly check their Insta Personal Loan offer by providing their mobile number and OTP. Customers can seamlessly access funds in a matter of minutes without ever needing to leave the comfort of their homes.

Quick processing

Insta Personal Loans excel in providing swift processing and disbursal of funds. Customers are provided with the flexibility to accept a pre-approved offer or select a lower loan amount according to their preferences. The procedure is significantly expedited owing to the evaluation of the customer's creditworthiness which is conducted beforehand. Select customers can have the funds transferred directly into their bank account within just 30 minutes.

No income proof and no hidden charges

Select existing customers of Bajaj Finance Limited can obtain the loan without the requirement of submitting any paperwork, including income proof, bank account details or KYC documents. The loan process is transparent, with all applicable fees and charges clearly mentioned in the loan documentation and on the Bajaj Finserv website. There are no hidden charges, ensuring a straightforward borrowing experience.

Flexible loan tenures

Insta Personal Loans offer customers the advantage of flexible repayment tenures. Borrowers have the option to repay their loan over a span of 6 to 60 months, providing them with the freedom to choose a duration that best suits their financial capabilities. Furthermore, customers can utilise the Insta Personal Loan EMI Calculator to determine the Equated Monthly Instalment (EMI) for varying tenures and loan amounts.

Obtaining an Insta Personal Loan is a simple and straightforward process. Customers can head over to the Insta Personal Loan page on the Bajaj Finserv website and click "CHECK OFFER". A pre-assigned loan limit will be displayed on the screen after customers enter their 10-mobile number and OTP. Customers can choose the loan tenure that best suits their needs by adjusting the loan amount and tenure options.

The Bajaj Finance Insta Personal Loan can serve as an excellent choice for quick financial support when you find yourself in need of immediate cash to meet your expenses. With its generous loan value of up to Rs. 10 lakh disbursed instantly, the Bajaj Finance Insta Personal Loan stands as the ultimate go-to option for individuals seeking quick and reliable financing solutions.

Bajaj Finserv Insta Personal Loan | Get money in your account within minutes | #NoWaitLoanReadymade

Video - www.youtube.com/watch?v=usOfCerxMaw

Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 72.98 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

Get up to Rs. 47 lakh with Bajaj Finance Loan Against Car

Bajaj Finance Limited offers a high-value loan against car that comes with simple eligibility criteria and minimal documents.

Customers can choose this loan against car and get up to Rs. 47 lakh to manage their planned and unplanned expenses. This loan product is an excellent choice for individuals seeking quick access to funds, making it a suitable option for fulfilling their multiple financial needs.

Here are the primary features of a Bajaj Finance Loan Against Car:

Loan value of up to Rs. 47 lakh

Secure a high-value loan of up to Rs. 47 lakh and effectively manage a diverse range of big and small expenses. Whether it is home renovations, education expenses, medical bills, or any other financial requirement, this loan provides with the necessary financial flexibility to handle any kind of expenses easily.

Quick disbursal of funds

Customers can enjoy the convenience of having the loan amount credited to their bank account within 48 hours* once the loan is approved. This quick disbursal ensures that the customer gets prompt access to funds, enabling them to address their financial requirements without any delays.

Minimal documentation

A loan against car requires customers to submit only a few essential documents. The application is quickly verified after all required documents are submitted. Most loans against car applications are approved within a day of document verification, allowing customers to receive an immediate response and proceed with fulfilling their financial obligations.

Flexible tenures

Bajaj Finance Loan Against Car comes with a range of flexible tenure options ranging from 12 months to 72 months. Customers can choose a repayment tenure that suits their budget so that loan repayment is easy for them.

End-to-end online application process

Customers can get benefit from the online application process as they can get a loan against their car from the comfort of their home. This hassle-free online process makes availing of funds easy and convenient for customers.

Three unique variants

Bajaj Finance offers the Loan Against Car in three unique variants - Term Loan, Flexi Term Loan, and Flexi Hybrid Loan. When customers opt for the Flexi variant, a loan limit is assigned to them from which they can withdraw funds as per their requirements. Interest is only charged on the withdrawn amount, not the entire approved limit. Additionally, customers have the flexibility to make multiple withdrawals and part-prepayments without incurring any additional costs. The Flexi Hybrid Loan option also provides the added advantage of paying interest-only EMIs during the initial part of the tenure.

A loan against car is a great alternative to traditional financing options, providing individuals with quick access to funds while allowing them to continue using their vehicle. With a competitive loan against car interest rates, Bajaj Finance Loan Against Car is an excellent choice for customers looking for a quick way to deal with urgent funds requirements.

*Terms and conditions apply

Sinhasi Social Impact Initiative

The Social Impact Initiative curated by Sinhasi is a novel social investment platform designed to complete individuals’ 360-degree life plan circle- by bringing an equilibrium in people’s lives by broadening their investment portfolios, not only in financial terms but also in terms of investing in goodness and the betterment of the world.

After 18+ years of earning alpha returns for clients, Mimi Partha Sarathy, MD & Founder of Sinhasi Consultants, aims to assist to complete their life plan by driving their financial portfolio and social investments in alignment with their personal financial goals and allow them to contribute for a better and brighter future.

The theme for the inaugural campaign under Sinhasi Social Impact Initiative - Social Investments for Wildlife, Nature and Climate Change, is inspired by Lt M A Partha Sarathy, father of Mimi Partha Sarathy, a pioneer and a global legend, visionary and game–changer in the space of wildlife, nature and environmental conservation. 

With the pressing need to address concerns for our environment and climate change globally, the theme for Sinahsi’s Social Impact Initiative Collective-1 holds the utmost importance today. Climate change is no longer a future problem.

As per the IPCC’s Sixth Assessment report, published in 2021, found that human emissions of heat-trapping gases have already warmed the climate by nearly 2 degrees Fahrenheit (1.1 degrees Celsius) since pre-Industrial times (starting in 1750). The global average temperature is expected to reach or exceed 1.5 degrees C (about 3 degrees F) within the next few decades. These changes will affect all regions of Earth.

“As an established Personalised Wealth Management firm, we are immensely proud to start the social impact initiative. Being the first wealth management firm to do so, Sinhasi aims to create symbolic relationships between genuine NGOs/ institutions with corporates and individuals to work towards a more sustainable and resilient future. We wish to drive the CSR contributions to more on wildlife and nature conservation which merely stand at 1% and 6%, respectively. The curated social investment initiatives reflect our unwavering commitment to sustainability and align with the values and aspirations of our clients,” said Mimi Partha Sarathy, MD & Founder of Sinhasi Consultants.

Sinhasi has strategically designed a comprehensive framework that aligns responsible investing with its core values. By leveraging Mimi's extensive expertise, and credible connections over decades in the space of nature and conservation, the firm seeks to bridge the gap between capital requirements and resources to tackle critical environmental challenges and ensure a thriving planet for future generations.

With a deep commitment to sustainable practices and a vision for a better future, Sinhasi aims to play a pivotal role in protecting our planet's invaluable ecosystems and driving positive change on a global scale.

Named Sinhasi Social Impact Initiative Collective 1- the theme stands as a testament to Wildlife, Nature and Climate Change - the noble cause supported by Lt M A Paratha Sarathy.

Event Details

Date - Wednesday, 2nd Aug 2023

Venue - Satish Dawan Hall, Indian Institute of Science, Bangalore.

Time - 10.00 am Till 5.30 pm (With Lunch and Tea Break)

What is Unique about the Sinhasi Social Impact Initiative?

• This is a structured platform which offers curated opportunities for each of us to "Give Back" and "Pay Forward".

• An opportunity to invest in something bigger than you.

• Invest directly in a credible platform.

• Explore, network and connect directly with what touches you

• We embrace diversity. Find the cause that sparks a fire within you and take simple, steady steps towards creating a positive impact.

Meet the Speakers

The event is blessed to be associated with some top international and Indian nationals from the background of nature, conservation and wildlife. The event is designed to throw light on the importance of nature conservation and how collective support can help fight the dreading concern of climate change and conservation.

Morning Session

1. Prof. R. Sukumar - Senior Ecologist - National Science Chairperson at the IISc, Bangalore

2. Mr. Chiranjiv Singh - Chairman - AME Foundation, IAS (Retd) Officer - Govt of Karnataka & former Ambassador of India to UNESCO in Paris

3. Mrs. Suprana Ganguly and Mrs. Sheila Row - Founder Trustees - CUPA - WRRC, Bangalore

4. Mr. Vance G Martin - Internationally renowned Nature Conservationist & Former President of The WILD Foundation, Boulder, Colorado

5. Mr. Paul Spencer Sochacazewski - Former Communications Director WWF International, Author and communications consultant, Geneva, Switzerland

6. Dr. Tarsh Thekaekara - The Shola Trust, Gudulur & Co-founder of The Real Elephant Collective

7. Mr. Avinash Krishnan - Wildlife Biologist, Director - A Rocha India

8. Dr. Nishant Srinivasaiah – Behavioral Ecologist, Frontier Elephant Programme, Senior Researcher - Foundation for Ecological Research Advocacy and Learning (FERAL) 

9. Mr. Sanjay Ajanikar - Asian Nature Conservation Foundation

Afternoon Session

1. Ms. Hamsini Bijlani - Ecologist and Field Research Biologist, Environs Kimberly, Broome, Western Australia

2. Dr. Sharachchandra Lele - Distinguished Fellow, Ashoka Trust for Research in Ecology and the Environment | ATREE · Centre for Environment and Development

3. Dr. Nitin D Rai - Political Ecologist and Independent Scholar

4. Dr. Siddappa Setty - Ethnobotanist, Professor - Ashoka Trust for Research in Ecology and the Environment - ATREE

5. Dr. Tarun Chabbria - Senior Ecologist, a practising doctor, ethnobotanist & Todas expert

Special Guests

1. Prof. Madhav Gadgil - Padma Shri & Padma Bhushan, Renowned Ecologist, Head of 2010 Gadgil Commission - the Western Ghats Ecology Expert Panel

2. Mr. Ravi Singh - Secretary General and CEO at WWF-India

3. Mr. CS Murali - Chairman, Entrepreneurship Cell, Society of Innovation and Development, IISc, Bangalore

About Sinhasi Consultants

Sinhasi Consultants Pvt. Ltd., set up in June 2005, is a much-valued Virtual Family Office and a SEBI Registered Investment Adviser. We are a boutique wealth management firm, exclusively serving high-net-worth Individuals across India through a choice of personalised holistic wealth management services, or distribution services.

About Mimi Partha Sarathy

Ms. Mimi Partha Sarathy, Founder and Managing Director, has built up an enviable client base of both individuals and corporates in India and overseas. She holds a double Master's in Finance, a Master's in Marketing and Diploma in Accounting from Webster University in Geneva, Switzerland. She draws together a rich experience having worked with reputed private banking firms in Switzerland and India. Before setting up Sinhasi, Mimi had a 6-year stint as Regional Head of - Private Client Group in ILFS Investsmart Ltd. - later known as HSBC Investsmart. 

Using an FD calculator is easy. You input the principal amount, tenure, and interest rate, and the calculator will give you a detailed breakdown of the interest earned and maturity amount at the end of the investment period. With the help of an FD calculator, investors can compare various FD options offered by different financial institutions, find the best interest rates, and make informed investment decisions.

One of the benefits of using an FD calculator is that it saves a lot of time for investors, who would otherwise need to manually calculate their FD returns. Traditional methods of calculating FD returns were tedious and time-consuming and sometimes led to errors. With an FD calculator, investors can get an accurate calculation in just a few seconds.

The Bajaj Finance FD Calculator is one of the most popular FD calculators available online. The calculator is user-friendly, making it easy for investors to calculate their FD returns. With the Bajaj Finance Fixed Deposit Calculator, investors can compare different investment plans based on tenures and interest rates.

Let us look at a few advantages of using the Bajaj Finance FD Calculator:

1. Accurate calculations: The Bajaj Finance FD Calculators employ cutting-edge algorithms to compute the interest gained on a fixed deposit while taking into consideration variables like the deposit amount, tenure, and interest rate. As a result, they are extremely accurate and dependable.

2. Convenience of usage: You may simply compute the interest earned on your FD using the online calculator on the Bajaj Finance platform from the convenience of your home or workplace. This eliminates the need to go to a bank or other financial institution or depend on external help to complete your investment needs.

3. Efficiency: The Bajaj Finance FD Calculator is designed to produce results quickly, allowing you to determine the interest earned on your fixed deposit without any wait. This makes investment decisions easy, as well as comes in handy in times of need.

4. Compare and invest: To assist you with the decision of where to invest your money, the online FD calculator also lets you compare the interest rates provided by various banks and financial organisations.

5. Investment planning: By giving you a clear image of the interest received on your fixed deposit and empowering you to make better financial decisions, the online FD calculator may help you plan your money more efficiently.

Investing in FDs is an excellent option for those who are looking for safe and reliable investment options. However, choosing the right FD scheme can be challenging, given the variety of options available. FD calculators make the process more manageable, allowing investors to make informed investment decisions.

In conclusion, FD calculators are a must-have tool for smart investors. These online tools save time, reduce errors, and help investors make informed investment decisions. Bajaj Finance's FD calculator is a reliable and user-friendly option that offers accurate calculations, considering compounding and payout frequency. With the help of an FD calculator, investors can maximise their returns and grow their wealth safely.

Access the SIP calculator: Log in to your Bajaj Finance account or visit the Bajaj Finance website to access the SIP calculator. The calculator is available under the funds section and helps you get an understanding of approximate returns and fund value based on the investment details such as initial investment amount, frequency (monthly, quarterly), and tenure of SIP.

Understand the inputs: The SIP calculator requires specific inputs to generate accurate results. These inputs include the investment amount, SIP duration, expected rate of return, and frequency of investment (monthly, quarterly, etc.). Ensure you have the necessary information readily available before using the calculator.

Define your investment goals: Before using the SIP calculator, clearly define your investment goals. Determine the amount you wish to invest, the duration of your investment, and the target returns you hope to achieve. This will help you set realistic expectations and make suitable investment decisions.

Select the best mutual funds: Research the best mutual fund schemes available on the Bajaj Finance platform that align with your investment goals and risk profile. Consider factors like past performance, fund manager expertise, expense ratios, and investment philosophy. Shortlist a few mutual funds that you believe are suitable for your investment needs.

Input accurate data: Enter appropriate data into the SIP calculator to ensure precise calculations. Provide the investment amount you intend to invest periodically, the duration of the SIP, and a reasonable expected rate of return based on historical data and market conditions.

Analyse the results: Once you input the necessary data into the SIP calculator, it will generate results based on the provided inputs. The calculator will show you the estimated future value of your investments, the total amount invested, and the estimated gains. Analyse the results to understand the growth potential and evaluate if it aligns with your investment goals.

Compare different scenarios: Experiment with different investment amounts, SIP durations, and expected rates of return using the SIP calculator. Compare various scenarios to determine the most suitable investment plan that aligns with your financial objectives. This will help you make more informed decisions about the best mutual funds and SIP options available on the Bajaj Finance platform.

Seek expert advice: While the SIP calculator can provide useful insights, it is advisable to seek expert advice from a financial adviser or planner. A professional can help you interpret the results, provide personalised recommendations, and guide you in selecting the most appropriate mutual fund schemes on the Bajaj Finance platform based on your financial goals, choice of investment, and risk tolerance.

Review and refine your investment strategy: Regularly review the performance of your investments and revisit the SIP calculator periodically to assess if your investments are on track. Market conditions and personal circumstances can change, requiring adjustments to your investment strategy. Stay updated with market trends and consult with experts when necessary.

Stay disciplined: Making the best use of the SIP calculator requires discipline and consistency in your investment approach. Stick to your investment plan, maintain regular contributions through SIPs, and avoid making impulsive investment decisions based on short-term market fluctuations.

By leveraging the SIP calculator on the Bajaj Finance platform effectively, you can make informed decisions about the best mutual fund schemes available in the market. Plan your investments wisely, set realistic expectations, and regularly evaluate your portfolio to stay on track toward your financial goals and earn maximum returns.

During this period IIFL Securities completed 15 IPOs which include among others, IPOs for Mankind Pharma, Avalon Technologies, KFIN Technologies, Sula Vineyards, Kaynes Technology India, Archean Chemical Industries, Bikaji Foods International, Fusion Micro Finance, Tracxn Technologies, Electronics Mart India, Syrma SGS Technology, eMudhra and Rainbow Children’s Care Hospital. IIFL Securities also managed the QIPs of Indiabulls Real Estate, Ujjivan Small Finance Bank and Data Patterns during the same period.

IIFL Securities has built a strong Capital Markets platform which has been possible due to its unwavering commitment, superior client focus, strong research and superior distribution across investor categories – institutional investors (both foreign and domestic), high net-worth individuals and retail investors.

Nipun Goel, Head of Investment Banking at IIFL Securities said, “IIFL Securities has become the most preferred investment bank for corporates in India on the back of best-in-class equity research and agile banking and distribution team. We ensure that there is no compromise on compliance and disclosure, which has earned us the trust of India Inc. IIFL Securities will continue to adhere to the highest levels of corporate governance in its dealings with clients across the platform.”

“A large part of our business tends to be repeat business from existing clients and we are grateful to our clients for the trust that they have reposed in us.”

In FY24, India's GDP growth is expected to remain robust and the country will remain the fastest growing major economy in the world as it fared better in recovering from pandemic-induced contraction, Russia-Ukraine conflict and Inflation. Backed by strong macro fundamentals, Indian economy has staged a broad based recovery across sectors. Indian capital markets are also seeing strong support from both DIIs and FIIs. Equity Capital Markets saw record inflows from SIPs in 1Q-FY24.

On the back of stronger fundamentals, FIIs also reinstated their commitment to India with Net FII Inflows standing at INR 1 Trillion (USD 12 Billion) in the first quarter of FY24. As the Indian economy continues to grow at a firm pace, IIFL Securities expects traction in the equity issuances by companies with growth plans.

About IIFL Securities 

IIFL Securities Ltd (NSE: IIFLSEC, BSE: 542773) is one of the key capital market players in the Indian financial services space. IIFL Securities along with its subsidiaries offers advisory and broking services, financial products distribution, institutional research and investment banking services. IIFL Securities has established itself through a combination of leading-edge technology, diverse product offerings, management expertise, and a wide network of branches across India. The Company has developed long-term relationships with its customers with sustained high quality performance and continues to be their preferred investment partner.

Usually, these instruments offer lower returns given the low-risk tendency of such instruments, however, Bajaj Finance, a leading financial institution, offers FDs at attractive interest rates maximising your returns while minimising investment risk. 

Here are a few strategies that you can keep in mind to maximise your FD returns while keeping risk at a minimum. 

• Keep all eggs in different baskets

Diversification of investments is often an overlooked yet extremely important step. Financial experts suggest keeping all eggs in different baskets as this helps in mitigating risks. Investing in different types of tools based on risk appetite can help in maximising profits when the market is performing well and hedging against losses when the market is bearish. Bajaj Finance FD is the perfect tool for diversifying your investments as you earn generous returns while keeping capital secure. 

• Select longer tenures

The interest accrued on your deposit is directly proportional to the tenure chosen. Hence, longer tenures assist in getting higher returns. Bajaj Finance offers flexible tenures between 12 and 60 months. Tenures 36 months and above have considerably higher returns up to 8.60% p.a. This is why choosing a longer tenure can help in maximising returns.

Bajaj Finance also offers a few special tenures that carry higher than usual FD rates. Here is a list of the special tenures with respective rates of returns: 

 As you can see, choosing these can help in getting a better yield as opposed to similar regular tenures. 

• Choose the cumulative FD option

Bajaj Finance offers investors both cumulative and non-cumulative FD options. If you choose cumulative FDs, the interest is compounded annually and reinvested. On the other hand with non-cumulative FDs, the interest is paid out periodically. If liquidity is not a concern and you wish to maximise your returns, then choosing a cumulative FD is a smart option. Thanks to the power of compounding, you can significantly enhance your returns over time. 

• Ladder your deposits

Laddering your deposits is a popular investment strategy where instead of putting all funds in one FD you divide your investments across several FDs of different tenures. This provides investors with liquidity as well as gives them the chance to take advantage of potentially higher interest rates, which may be announced in the future. You can easily stagger or ladder your FDs with Bajaj Finance and maximise your returns by using this simple laddering strategy.

These were a few ways of taking advantage of a higher FD rate regime. You can create generous wealth by making sure you choose all those options that lead to higher returns. Apart from this choosing a reliable financier helps in minimising risks. Always opt for FD issuers that have been accredited with good safety ratings. 

Bajaj Finance has been bestowed the highest safety ratings of AAA STABLE by ICRA and AAA STABLE by CRISIL, which are the highest in their respective safety domains. This ensures the utmost safety of initial deposit and timely returns. Armed with this information you can now test this strategy to maximise your returns while minimising the associated risks.  

The Importance of Monitoring CIBIL Score with Credit Pass

Understanding your CIBIL Score and the factors that influence it

Your three-digit CIBIL Score is a number ranging from 300 to 900 that showcases your financial credibility. The higher the score, the better your chances of getting approved for loans or credit cards. A score of 750+ is ideal because it opens doors to better terms and lower interest rates.

However, your CIBIL Score is not set in stone. It’s influenced by various factors, and keeping track of them is vital for maintaining a healthy credit profile. There are five primary factors with a contributing weightage to the calculation of your credit score:

• Payment history (35%): Timely payments are the building blocks of a strong credit foundation. Every payment made on time and in full strengthens your CIBIL Score, while missed or delayed payments damage it.

• Credit utilisation (30%): Just like consuming an entire pizza makes you appear greedy and hurts your physical health, using your total available credit each month is a red flag for lenders and hurts your financial health.

• Length of credit history (15%): Lenders are impressed by an established track record of responsible credit management.

• Credit mix (10%): A healthy credit mix proves that you’re capable of handling different types of credit and inspires confidence in lenders.

• Credit enquiries (10%): Every ‘hard’ enquiry that occurs when you apply for credit and lenders pull up your credit report hurts your CIBIL Score. Too many of these within a short duration creates the impression that you’re credit hungry and relying too heavily on credit.

The need for monitoring your CIBIL Score

Imagine driving a car without looking at the dashboard. You wouldn’t know if the fuel is running low, if the engine needs attention, or how fast you’re going and if you need to slow down. That could be dangerous, right? Monitoring your CIBIL Score is like checking those vital gauges – you can detect any unexpected changes, identify areas that need attention, and take action before it’s too late. Keeping a close eye on your score helps you stay on track and make informed financial choices.

Why Bajaj Finance Credit Pass?

With the Credit Pass advantage, you get a new perspective on credit monitoring that makes your journey towards financial success a smoother and brighter experience. Elevate your credit game by making the most of a range of Credit Pass benefits:

• Stay informed: Your personalised Credit Pass dashboard gives you a complete overview of all your credit accounts and real-time updates on your credit health, ensuring you never miss a beat.

• Detect and correct: Track your credit factors and your CIBIL Score through monthly updates to identify areas of improvement and discrepancies or errors, and then take prompt action to fix them.

• Improve your score: Use interactive tools like the Credit Score Simulator and the EMI Calculator to make informed decisions to improve your score.

Harness the power of Credit Pass and enhance your creditworthiness. Whether it’s paying bills on time, reducing your credit card balances, or diversifying your credit mix, Credit Pass equips you with all the insight you need to unlock a world of financial opportunities.

Monitoring your CIBIL Score with Credit Pass is not just a smart move; it’s a game-changer. Confidently navigate the credit landscape and transform your credit dreams into reality by taking that first step to success and signing up for the Bajaj Finance Credit Pass. Now available with free and unlimited access to all its features, valid for the first 12 months. 

With the current interest rate regime many financiers offer decent FD returns, however, with an ROI of 8.60% p.a. Bajaj Finance offers one of the best FD rates in the current market. However, to materialise your goals not only choosing the best FD rates but also selecting a suitable investment type is crucial. Once you are clear on your investment goals, you can choose a Bajaj Finance Fixed Deposit type that serves you best.

Bajaj Finance and most other financiers primarily offer two types of FDs, cumulative and non-cumulative FD. You can select one based on your preferences and goals.

1. Cumulative fixed deposit

A cumulative fixed deposit account is where you get your payout amount all at once until the tenure ends. You get a lump sum at maturity. This type is perfect for those looking to fund long-term goals. Be it buying a car, saving for a home down payment, or funding your child’s wedding. This tool is ideal when you need money altogether at once and do not have immediate cash requirements. You can use the online FD calculator to get an idea of how much you can make at maturity.

2. Non-cumulative fixed deposit

This type of FD is perfect for those who require a regular cash flow. Here the interest is paid off periodically, you can choose from monthly, quarterly, half-yearly, or annual payouts. These payouts can be used to pay off EMIs, loan amounts, and credit card bills or even be used as a monthly income source, especially for senior citizens who are retired. You can easily plan your retirement by investing in a non-cumulative FD and use these FD proceedings as a monthly payment as a substitute for your salary. You can use the Bajaj Finance online FD monthly payout calculator to get an estimate of how much you need to invest to get a desired monthly payout.

3. Systematic Deposit Plan (SDP)

In addition to cumulative and non-cumulative FD types, Bajaj Finance also offers an industry-first investment option called the Systematic Deposit Plan (SDP). The SDP is more like a combination of both types of FDs and SIP. This allows you to start your investment journey even if you do not have a large savings corpus in place. Making it perfect for students and early earners. This helps in inculcating a savings habit early in life. You can start with just Rs. 5000. Under the SDP, you have two variants based on payout options, one being the Monthly Maturity Scheme (MMS) where you get monthly payouts much like the non-cumulative option and the Single Maturity Scheme (SMS) where you get a lump sum payout at maturity.

Based on your investment goals, income, and expenses you can evaluate these 3 options and choose the one that suits you best. Apart from choosing an FD option with the highest FD rates choose the right FD type, which is made to achieve your goals. You can use the easily available online FD calculator to evaluate and compare FD options for your investment goals. Each type offers individual advantages to suit your investment objectives. Doing this can help you achieve your investment goals in a hassle-free manner.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 66.05 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.
 

To know more, visit www.bajajfinserv.in. 

If you own gold jewellery, availing a loan against it can be a wise choice for immediate financing. Many Indian households possess gold jewellery, and a significant portion of it remains unused. Therefore, utilising your gold as collateral for a loan can be a smart financing option during emergencies. Bajaj Finance offers the convenience of obtaining a quick gold loan ranging from Rs. 5,000 up to Rs. 2 crore against your 22-karat gold jewellery.

Video Url: www.youtube.com/watch?v=rMmKNPKG5ns. 

What makes gold loan a smart choice for quick finance | Bajaj Finserv

Let's explore the benefits of choosing a gold loan for meeting your urgent financial crisis needs.

Quick approval and disbursal

One of the primary reasons to consider a gold loan is the immediate access to funds. Unlike unsecured loans that often involve lengthy approval processes, documentation requirements, and credit checks, a gold loan provides a swift solution. By pledging your gold as collateral, lenders can quickly evaluate its value and disburse the loan amount, ensuring you receive the much-needed funds quickly.

No credit history or income proof required

Traditional loans rely on credit scores to determine eligibility. However, gold loans are secured by the collateral, i.e., the gold itself. Even if you have a poor credit history or no credit score at all, you can still avail an instant gold loan. You also do not need a proof of income to avail of a gold loan.

Lower interest rates

Compared to unsecured loans or credit cards, Bajaj Finance Gold Loan interest rates are typically lower. The interest rates on gold loans are determined based on the loan-to-value (LTV) ratio and market rates. As gold acts as collateral, lenders consider it a secure form of borrowing, thereby reducing the risk associated with the loan. You can easily avail of a gold loan from Bajaj Finance with interest rates starting at just 9.50% per annum.

High loan value

Getting a significant amount of money at the last minute can be challenging and burdensome. However, using your idle gold to raise funds is much easier. Gold loans offer a high loan-to-value ratio, with Bajaj Finance offering loans for up to 75% of the gold's market value. Bajaj Finance also offers a free online gold loan calculator, allowing you to determine the gold loan per gram rate. This helps you in evaluating the maximum loan amount based on the weight of your gold jewellery.

How to obtain an instant gold loan from Bajaj Finance

If you are seeking immediate funds to fulfil your urgent needs, consider exploring Bajaj Finance Gold Loan. If you are an Indian citizen aged between 21 and 70 years, you can conveniently apply for the loan using your KYC documents. Typically, a voter ID card, Aadhaar Card, passport, or driver's licence is all that is required to secure the loan.

To apply for a gold loan, simply visit a nearby Bajaj Finance branch or choose the convenience of applying online through the Bajaj Finance website. Follow these easy steps to apply:

• Step 1: Visit the Gold Loan section of the website

• Step 2: Click on the online application form

• Step 2: Enter your 10-digit mobile number and click on ‘GET OTP’

• Step 3: Enter OTP to verify your details

• Step 4: Select your state and city to locate your nearest branch

• Step 5: Enter your full name and date of birth as per your PAN

• Step 6: Set up your appointment at the nearest branch in your city.

Apply now and manage your expenses with an instant gold loan from Bajaj Finance.

Terms and conditions apply.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 66.05 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.
 

To know more, visit www.bajajfinserv.in.

What are the features and benefits of Bajaj Finance FD?

Below are some of the exclusive features of Bajaj Finance FDs that offer numerous benefits to investors:

• Flexibility of payout option: Investors have the flexibility to choose their preferred frequency of receiving the interest payout. They can go for monthly payout options if they are looking for just an extra source of income. Alternatively, they can opt for quarterly, half-yearly, or even yearly payouts in case they need a bulk amount.  

• Higher rates for special tenures: To increase the returns of investors from FD, Bajaj Finance offers one of the best FD rates for special tenures. These special tenures are 15, 18, 22, 30, 33 and 44 months. Also, they offer a 0.25% p.a. higher FD interest rate for senior citizens. Keeping in mind their increased need for money due to lack of a fixed monthly income.

• Availability of loan against FDs: Investors in urgent need of funds can go for a loan against their FDs. If they have a cumulative deposit account, Bajaj Finance allows a credit of 75% of the deposited sum. However, depositors can get a credit of 60% of the invested amount in case they have a non-cumulative deposit account.

• Guaranteed safety of deposits: Bajaj Finance has a safety rating of [ICRA]AAA(Stable) and CRISIL AAA/STABLE. It encourages investors to park their funds with them. Furthermore, they can also be sure of receiving their interest payouts on time and fulfilling their financial goals at the expected tenure.

How can investors increase their returns from FD investments?

There are several factors that investors can optimise to increase their returns from investments. These include:

• Opting for a long-term investment: If an investor selects a tenure of 14 months, they can get returns of up to 7.40% p.a. On the contrary, choosing an FD duration of 15 months will allow them to receive interest rates of up to 7.50% p.a. To optimise the tenure for maximum returns you can use the FD calculator.

• Selecting special FD tenures: Choosing special tenures instead of the normal ones allows investors to receive a higher interest rate. For instance, the FD rate for 30 months, which is a special tenure, is 7.45%. Whereas investors will have a lower interest rate of 7.35% on choosing a 31-month duration.

• Choosing the right investor profile: Since Bajaj Finance offers higher interest rates to senior citizens, individuals can book an FD account in the name of their parents. This allows them to get access to increased returns.

• Going for cumulative payout option: Investors can go for the cumulative payout option to receive the interest at the end of the maturity period, instead of monthly, quarterly, or half-yearly payouts. This ensures that they earn more returns from FD investments. Individuals can use a Bajaj Finance FD Calculator to determine their returns and accordingly select the right payout mode.

Here is a table that reflects the difference in interest rates on select cumulative and non-cumulative payouts.

Note: The tenure marked with (*) is a special tenure

Why is fixed deposit a popular investment option for investors?

FD happens to be a popular investment option for people with a low-risk appetite. It offers stable returns on investment as it is not associated with market fluctuations. The consistency in FD rates throughout its tenure allows investors to predict their returns and plan their finances accordingly.

Another benefit of FDs is that it allows investors to deposit as low as Rs.15,000 to start their investment journey. Thus, young investors who are new to the job market can also deposit in this option. Also, the steps to open FDs at Bajaj Finance are simple and can be done in just a few clicks without any need for assistance.

Investors can choose tenures between 12 and 60 months based on the FD rates associated to increase their returns. Furthermore, they can manage their FD accounts as well as download essential documents from the dedicated customer portal My Account. 

This increase in the repo rate has led to an increase in Fixed Deposit interest rates. It is good news for investors who are looking for a safe and secure way to grow their money. Bajaj Finance Fixed Deposit, the highest-rated NBFC with [ICRA]AAA(Stable) and CRISIL AAA/STABLE rating ensure that your deposits are secured with us.

Here are a few tips for how investors can make the most of Bajaj Finance fixed deposits when rates are high:

1. Choose the investment amount: Basis your financial goal, choose the investment amount and the right investment amount. You can start investing in Bajaj Finance Fixed Deposit with a minimum amount of Rs. 15,000 up to Rs. 5 crore.

2. Consider different maturities: Fixed deposits come with different maturities, so you can choose one that fits your needs. If you need access to your money in the short term, you might want to choose a shorter-term deposit. If you are looking for a longer-term investment, you might want to choose a longer-term deposit. Bajaj Finance offers fixed deposits with maturities ranging from 12 months to 60 months, so you can find a term that meets your needs.

The FD rates for senior citizens, for different tenures are mentioned below:

3. Choose special tenures: Bajaj Finance offers higher interest rates on fixed deposits with special tenures of 15, 18, 22, 30, 33, and 44 months. This means that investors who choose these tenures will earn more interest on their investment than those who choose a different tenure. Senior citizens: Senior citizens get an additional rate benefit of up to 0.25% p.a. on the base rate. 

4. Use the FD calculator: An FD calculator can help you estimate how much interest you will earn on your investment, based on the amount you invest, the interest rate, and the term of the FD. This can help you decide how much money you need to invest to reach your financial goals. It can also be used to compare different FD options from different banks and financial institutions.

By following these tips, you can make the most of Bajaj Finance fixed deposits when rates are high. Fixed deposits are a great way to grow your money safely and securely.

If you do not want to invest a large amount of money upfront in a fixed deposit (FD), you can opt for a Systematic Deposit Plan (SDP). With an SDP, you can start making small monthly contributions to your investment and earn significant returns early. Bajaj Finance offers an industry-first SDP that allows you to start saving with as little as ₹5,000 per month. Each deposit you make goes into a separate FD. You can either get the entire amount back at maturity (Single Maturity Scheme) or receive a portion back each month (Monthly Maturity Scheme).

Conclusion

Bajaj Finance fixed deposits are a safe and secure way to grow your money. When interest rates are high, Bajaj Finance fixed deposits can offer a great return on investment. By following the tips in this article, you can make the most of Bajaj Finance fixed deposits and reach your financial goals.

Choose products that suit every investment and saving goal on Bajaj Markets
 

Fixed-income instruments such as fixed deposits or sovereign gold bonds offer assured returns, which is why they’re the preferred choice of savings instruments in India. However, according to the research conducted by CRISIL in 2022, Indian households are looking to move beyond savings, as they seek higher returns. In the quest for new asset classes that yield higher returns, most Indian investors are now turning to mutual funds and tax-saving instruments like the National Pension Scheme (NPS).

Industry-leading partners for wealth creation on Bajaj Markets

Bajaj Markets has partnered with leading financiers to help people build wealth and achieve their financial goals. On this platform, individuals can start browsing and comparing different savings and investment opportunities on Bajaj Markets. Here’s a look at the different partners on this platform:
 

Savings and investment opportunities available on Bajaj Markets

For those looking to grow their wealth, Bajaj Markets is a one-stop destination for different types of savings and investment options. Here’s a look at the different products one can explore on this platform:

Fixed Deposit

One can earn interest rates up to 8.60% p.a* and also reap these benefits:

• Flexible tenors ranging from 12-120 months

• End-to-end paperless application process

• Facilities such as loan against FD, nomination and auto-renewal

Mutual funds

Invest in direct mutual funds at zero commission and enjoy other benefits such as:

• Free and instant account opening process

• Convenient process for setting up the account

• Detailed performance insights of the portfolio

US Stocks

Start trading with just $1 and benefit from:

• A user-friendly platform to start investing in global markets

• Simplified digital onboarding process

• State-of-the-art encryption protocols for a safe investment process

National Pension Scheme (NPS)

Open an NPS account with a completely digital process and enjoy features like:

• Tax benefits under Section 80CCD

• Superannuation fund transfer without tax implications

• ​​Subsequent contributions to an NPS account through a simplified portal

Sovereign Gold Bond (SGB)

SGB is available for subscription when the tranche is open. Subscribers can benefit from a discount of Rs. 50 per gram and enjoy these benefits:

• Fully digital, 3-step investment process

• An investment that can be used as a loan collateral

• Investment in gold without the hassle of managing physical assets

In addition to the above-mentioned list of products, one can look to open a demat account for free. Those traveling abroad can also apply for a forex card - a safe and convenient way to carry foreign currency, on Bajaj Markets. These diverse choices make it easy for individuals to start investing or to grow their savings easily through this platform. 

About Bajaj Markets
Bajaj Markets, a subsidiary of Bajaj Finserv, and one of the fastest growing fintech in India, is a one-stop digital marketplace that offers multiple financial products across all categories - Loans, Cards, Insurance, Investments, and Payments. Bajaj Markets has partnered with some of the most trusted names to offer choices to its customers and help them achieve their financial life goals.

Having started its journey as a fintech, Bajaj Markets has since then, built a very strong business as a techfin. Its technology services businesses are built on its core capabilities in consumer insights, technology, and data analytics. Its first B2B SBU, Skaleup, has been created to become the leading digital technology services provider in India through deep domain expertise and execution capabilities.

Bajaj Markets has built a new business unit to become the preferred partner for digital technology initiatives across all group companies of Bajaj Finserv. Herein, the strategy is to align with the digital technology roadmap objectives of all the group companies of Bajaj Finserv and offer digital technology services and platforms at market competitive rates.

Visit www.bajajfinservmarkets.in or download the Bajaj Markets app from Play Store or App Store. With Bajaj Markets, “Ab Choices Hue Aasaan”.

Why choose Bajaj Finserv Home Loan

Bajaj Finserv Home Loan offers a wide range of advantages like a higher loan amount of Rs. 15 crore*, a low interest rate, an easy application process, and quick disbursal in 48 hours* of approval. In addition, you can benefit from the low EMIs of Rs. 769 per lakh along with zero foreclosure charges. You can also calculate your EMIs by using the Home Loan EMI Calculator and plan your EMIs better.

Read on to know more about the features of Bajaj Finserv Home Loan:

Low interest rates: When you plan to apply for a home loan, the interest rate plays a vital role in making a final decision. It influences your monthly instalment amount, consequently the repayment tenure. It also plays a part in helping you plan your future financial commitments in a better way. Bajaj Finserv Home Loan offers low interest rates starting from 8.50%*, therefore helping you plan your EMIs better.

Loan amount: Buying a home is a one-time commitment and most people would not compromise. With a home loan from Bajaj Finance, avail of a high amount of Rs. 15 crore* or more and live your dream. There are factors like your credit history and income that will determine the loan amount you are eligible for. You can check your eligibility by using the Home Loan Eligibility Calculator.

Longer repayment tenure: Higher loan amounts can lead to hefty EMIs so it could be wise to choose a long repayment tenure to reduce your monthly financial outflow. A longer repayment tenure allows you to plan your EMIs as per your monthly financial capability. With Bajaj Finserv Home Loan, repay your loan comfortably over a tenure of up to 30 years*.

Easy approval and quick disbursal: Home loan applications can be tedious and lengthy. But with the Bajaj Finserv Home Loan online application, applying for a loan is quick and easy. If you meet the eligibility criteria, the loan will get approved quickly and disbursed within 48 hours* of approval.

Top-up loan: You can even transfer your existing home loan to Bajaj Finance to avail of a low interest rate of 8.50%* p.a. onwards. Additionally, you will qualify for a top-up loan of up to Rs. 1 crore* for your additional expenses like interiors, décor, appliances, and so on, without any additional collateral.

Home loan from Bajaj Finance is one of the most viable and popular housing finance options in India. Professionals like doctors, CAs, businessmen in other industries, and, self-employed individuals from almost all small and metropolitan cities can easily avail of a home loan.

*Terms & conditions

About Bajaj Housing Finance Limited  

Bajaj Housing Finance Limited is a 100% subsidiary of Bajaj Finance Limited - one of the most diversified NBFCs in the Indian market, catering to more than 66 million customers across the country. Headquartered in Pune, Bajaj Housing Finance Limited offers finance to individuals as well as corporate entities for the purchase and renovation of homes, or commercial spaces. It also provides loans against property for business or personal needs as well as working capital for business expansion purposes. The Company also offers finance to developers engaged in the construction of residential and commercial properties as well as lease rental discounting to developers and high-net-worth individuals. Bajaj Housing Finance Limited enjoys the highest credit ratings from CRISIL as well as India Ratings. The Company is rated AAA/Stable for its long-term debt programme and A1+ for its short-term debt programme from CRISIL and India Ratings.

For more information, please visit www.bajajhousingfinance.in I Facebook I LinkedIn.

George Kobiashvili, CIO and President Economist, Vanguard Hedge Fund

Founder George Kobiashvili believes that the Indian market has tremendous potential and deserves much more FDI to maintain its pace of growth. Reducing this gap is an important mission for Vanguard Hedge Fund, as the firm hopes to establish and grow its operations in the country.

Vanguard Hedge Fund comprises a team of experts and experienced professionals who specialise in helping companies secure capital from investors across the world, particularly from USA and UK. Their services are designed to help clients raise the funds they need to fuel their growth and achieve their business goals. Last year, the firm’s investments exceeded 1 Billion USD, and is currently valued at 1.7 Billion USD. In 2021, Vanguard Hedge Fund opened satellite branches in New York and Amsterdam. The expansion to Mumbai is part of their global growth plan.

“The Indian market has incredible potential and is also not very saturated at this point in time. There is a massive scope for foreign financial institutions to help Indian companies and start-ups raise capital from global investors. That is why we think this is a great time for Vanguard Hedge Fund to expand to India. Our office is set up in the heart of BKC, and we are excited to work with diverse firms to help them secure funds that will fuel their growth!” says George Kobiashvili, CIO and President Economist, Vanguard Hedge Fund.  

About Vanguard United

We are a Financial Consultancy for Capital Fundraising from the USA and UK. Vanguard United Investment Consulting is a team of experienced professionals who specialise in helping companies secure capital from investors based in the United States and the United Kingdom. Our services are designed to help our clients raise the funds they need to fuel their growth and achieve their business goals.

Vishal Subharwal, Chief Marketing Officer & Group Head - Strategy, HDFC Life

Through its latest campaign, #InsureKareinBinaDelay, HDFC Life endeavours to educate consumers on the critical role that life insurance plays in securing a family’s dreams and their financial future. In a way, this campaign works as a reminder to buy life insurance before it is too late. 

The ad film 'Patri' is about a young, married couple on their first train-trip together, where they meet a co-passenger, a lady in her early fifties, whose story inspires them to prioritise purchasing life insurance. Watch the ‘Patri’ film, here.

Further, the film also serves as a connection between the present and an older campaign film by HDFC Life, 'Har Sapne Ka Aadha Hissa,' where the co-passenger from the current film is seen as the protagonist who succeeds in fulfilling her daughter's aspiration of becoming a pilot using HDFC Life YoungStar Udaan Insurance plan. Watch the older film, here.

Speaking on the campaign, Vishal Subharwal, Chief Marketing Officer & Group Head - Strategy, HDFC Life, said, “#InsureKareinBinaDelay is a wake-up call for every individual with responsibilities. Most of us have a bucket list. However, we often do not realise that to fulfil those dreams, we need to be financially secure and so does our family. India has a huge protection gap of over 83%. This basically means that in case something was to happen to the breadwinner, most families would not be able to continue with their aspirations.

Through this film, we want to give a reality check to consumers. It is a reminder to prioritise life insurance. This film is part of the HDFC Life Universe where the protagonist narrates her life experiences (this actually links back to our old campaign) and through her story, she inspires a young, newly-married couple to purchase life insurance early so they can go about fulfilling their dreams, with complete peace of mind.”

Speaking on the concept of the film, Manesh Swamy, Chief Creative Officer (CCO) & Senior Vice President - Creative, Social Media & Design, LS Digital, said, "The inspiration for our story came from a customer testimonial that deeply moved us. We realised that this story had the potential to make a significant impact in the lives of our consumers. Our goal was to inspire, educate, and motivate them to take action now to secure the future of their loved ones. In creating the Patri campaign, we built upon the foundation of our previous campaign, weaving in breadcrumbs that led to our protagonist's journey. We've created our own universe within this story, and we're optimistic that this short film will effectively convey the message of the importance of securing one's future in a timely manner."

In conclusion, 'Patri' is a poignant tale of life's uncertainties and the importance of life insurance in securing our future. HDFC Life believes that this film will inspire people to act and prioritise life insurance in their financial planning.

About HDFC Life

HDFC Life Insurance Company Limited ('HDFC Life' / ‘Company’) is a joint venture between HDFC Ltd., India’s leading housing finance institution and abrdn (Mauritius Holdings) 2006 Limited, a global investment company.

Established in 2000, HDFC Life is a leading, listed, long-term life insurance solutions provider in India, offering a range of individual and group insurance solutions that meet various customer needs such as Protection, Pension, Savings, Investment, Annuity and Health. The Company has more than 60 products (including individual and group products) and optional riders in its portfolio, catering to a diverse range of customer needs.

HDFC Life continues to benefit from its increased presence across the country, having a wide reach with branches and additional distribution touch-points through several new tie-ups and partnerships. The count of distribution partnerships is over 300, comprising banks, NBFCs, MFIs, SFBs, brokers, new ecosystem partners amongst others. The Company has a strong base of financial consultants. 

For more information, please visit www.hdfclife.com You may also connect with us on Facebook, Twitter, YouTube and LinkedIn.

Gold loans are becoming popular for multiple reasons. They do not require a specific purpose and can serve different needs. They are known for being affordable, easy, and quick. With a Bajaj Finserv Gold Loan, borrowers can easily obtain funds starting from Rs. 5,000 up to Rs. 2 crore, and the loan can be disbursed within just 15 minutes. Customers can apply online with minimal details such as their name, 10-digit mobile number, and OTP.

How to get a gold loan with low CIBIL score | Bajaj Finserv

YouTube link: www.youtube.com/watch?v=fwBjEWwhNfs&feature=youtu.be

Here’s a closer look at some of the key benefits offered by an instant gold loan from Bajaj Finance.

Low interest rate

A big advantage of taking a gold loan is that the interest rates are typically lower than those of unsecured loans such as personal loans. This is because the borrower pledges their gold as collateral, which reduces the lender's risk and enables them to offer lower interest rates.

Bajaj Finserv Gold Loan interest rate starts from 9.50% per annum, making it a great choice for obtaining funds. By using the online gold loan calculator, borrowers can easily estimate their interest payments based on the weight of their gold jewellery or the loan amount.

Multiple repayment tenures and high LTV ratio

Bajaj Finance provides customers with a great deal of flexibility in loan repayment. They have the freedom to decide when and how to repay the loan. For instance, they can choose to pay the total interest amount at the beginning of the loan term and clear the remaining principal at the end. Alternatively, they can make interest payments on a monthly, bimonthly, quarterly, half-yearly, or yearly basis.

Moreover, with a Bajaj Finserv Gold Loan, borrowers can get a high loan-to-value (LTV) ratio of up to 75% of the estimated weight of their gold.

No CIBIL Score check

Another main advantage of gold loans is that borrowers can secure them without requiring a good credit history or CIBIL Score. This is because the loan is backed by collateral in the form of gold jewellery, which provides the lender with a means of recovering the amount in case the borrower defaults. To be eligible for the loan, applicants only need to possess jewellery made of 22-karat gold.

Minimal documentation and quick processing

Loan applications can be burdensome due to the extensive documentation required, such as salary history, income proof, and tax records, among others, which may vary depending on the loan type. However, gold loans require only basic KYC details, which can be submitted much more quickly than the paperwork demanded by other loans.

The documentation process followed by Bajaj Finance is simple and involves KYC verification. Borrowers are only required to submit one of the following KYC documents - Aadhaar Card, voter ID card, passport, or driving licence. Unlike other loans, there is no need to present income proof documents.

Quick processing 

Gold loans are processed quickly due to minimal documentation and no extensive eligibility checks. Any Indian citizen aged between 21 years and 70 years can obtain a gold loan without difficulty.

Bajaj Finance offers two convenient options to apply for a loan against gold. The first option involves visiting a nearby branch of Bajaj Finance and applying in person. Alternatively, borrowers can apply from the comfort of their own home by visiting the Bajaj Finance website and following a few easy steps.

Step 1: Navigate to the Bajaj Finserv Gold Loan page.

Step 2: Select and open the online application form.

Step 3: Fill in your first and last name as it appears on your PAN card.

Step 4: Enter your 10-digit mobile number and select your city.

Step 5: Enter the OTP sent to your registered mobile number and submit the application.

Once the online application is submitted, a Bajaj Finance representative will help borrowers schedule an appointment at their preferred gold loan branch. With more than 800 branches located nationwide, Bajaj Finance provides fast and easy loan processing, ensuring that borrowers have a convenient experience with loan disbursement. To avail of a gold loan today, simply visit the Bajaj Finance website.

*Terms and conditions apply.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 66.05 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

Bajaj Finance FD is an NBFC FD that has been accredited with the highest safety ratings by ICRA and CRISIL, the two leading credit rating agencies in India. Making it a profitable investment option for risk-averse investors.

Here are more reasons why you must invest in a Bajaj Finance Fixed Deposit.

Higher FD rates

You can earn up to 8.20% p.a. on your deposits with Bajaj Finance. This is one of the highest FD rate offerings by any NBFC in the country. Higher FD rates result in a more handsome yield at maturity. You can even use the online FD calculator to estimate your returns even before you choose to invest in an FD.

Given below is a table showing the returns you can get by investing in a Bajaj Finance FD.

1. Citizens aged below 60 years

1. Senior citizen

Easy online application process

Bajaj Finance FD offers a 100% end-to-end paperless and online process, which can be undertaken at any time from anywhere. You can book an FD in under 10 minutes.

Highest safety and credibility

The safety of returns is a crucial parameter when booking an FD. Bajaj Finance has been accredited with CRISIL AAA and ICRA AAA ratings. With these high ratings, you can be assured of zero defaults and timely payments.

Multiple liquidity options

Bajaj Finance offers multiple liquidity options to investors. You can choose the frequency at which interest is paid out on a non-cumulative FD. You can choose a payout option of monthly, quarterly, half-yearly, or yearly to cover your monthly expenses, such as unpaid utility bills and EMIs. It is an ideal option for those who depend on recurring interest payments to cover monthly obligations.

Systematic Deposit Plan

If you find investing in a lump sum inconvenient but still want to embark on your investment journey, then you can start making small savings early on. Bajaj Finance offers an industry-first monthly savings option. This is called the Systematic Deposit Plan. You can make small monthly contributions, with just Rs. 5000. These are treated as independent fixed deposits. And can help you align your investments with your goals. This works just like a Systematic Investment Plan sans the market risk.

It is time to open an FD with Bajaj Finance and make your wealth grow with one of the safest instruments available in the market with timely payouts.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 62.91 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

Here are more reasons to why you must open a Bajaj Finance Fixed Deposit.

High FD rates

You can earn up to 8.20% p.a. on your deposits with Bajaj Finance. Being the highest-rated NBFC Bajaj Finance offers higher FD rates resulting in a more substantial yield at maturity. You can even use the online FD calculator to estimate your returns even before you choose to invest in an FD.

Given below is a table showing the returns that you can get by investing in a Bajaj Finance FD.

1. Citizens aged below 60 years

2. Senior citizen  

100% digital application process

Bajaj Finance FD offers a 100% end-to-end paperless and online process, which can be undertaken at any time from anywhere. You can book an FD in under 10 minutes.

Safety and credibility

The safety of returns is a crucial parameter when booking an FD. Bajaj Finance FD has the highest safety ratings of CRISIL AAA/STABLE and [ICRA]AAA(Stable), making it an ideal investment option for risk-averse investors.           

Flexible tenure investment options

The Bajaj Finance FD can be easily customised to fit the many short-term and long-term financial goals that investors may have. With a customisable investment horizon, investors may make sure that the tenure exactly matches their objectives. From 12 to 60 months, Bajaj Finance offers numerous tenure options. By carefully organising their investments, investors can achieve both short-term and long-term goals.

Systematic Deposit Plan

If you find investing in a lump sum inconvenient but still want to embark on your investment journey, then you can start making small savings early on. Bajaj Finance offers an industry-first monthly savings option. This is called the Systematic Deposit Plan. You can make small monthly contributions, with just Rs. 5,000. These are treated as independent fixed deposits. And can help you align your investments with your goals.  

Book an FD with Bajaj Finance now and be assured of high returns and timely payouts. Easily grow your wealth with one of the safest instruments available in the market.

About Bajaj Finance Limited

Bajaj Finance Limited, the lending company of the Bajaj Finserv group, is one of the most diversified NBFCs in the Indian market catering to more than 44 million customers across the country. Headquartered in Pune, the company’s product offering includes Consumer Durable Loans, Lifestyle Finance, Digital Product Finance, Personal Loans, Loans against Property, Small Business Loans, Home loans, Credit Cards, Two-wheeler and Three-wheeler Loans, Commercial lending/SME Loans, Loan against Securities and Rural Finance which includes Gold Loans and Vehicle Refinancing Loans along with Fixed Deposits. Bajaj Finance Limited prides itself on holding the highest credit rating of FAAA/Stable for any NBFC in the country today.

One of the key factors that make the Bajaj Finance Fixed Deposit for senior citizens a preferred choice is its high-interest rates. The FD rates for senior citizens are up to 8.20% p.a. for a tenure of 44 months. With senior citizen FD rates, they get additional rate benefits of up to 0.25% p.a. on base rates. Furthermore, FD rates are fixed for the entire tenure of the deposit. This means that senior citizens can expect a good return on their investment, which they can compute even before they choose to invest.

Why do senior citizens prefer this FD? Apart from high-interest rates, Bajaj Finance Fixed Deposit offers several other benefits, such as:

Safety

Bajaj Finance is a reputed financial institution with a long-standing history of financial stability. It has a credit rating of CRISIL AAA/STABLE and [ICRA]AAA(Stable), which indicates the highest level of safety and stability. 

Flexible tenures

It offers flexible tenures ranging from 12 to 60 months, allowing senior citizens to choose the tenure that suits their financial goals and liquidity requirements.

Non-cumulative option

Bajaj Finance offers both cumulative and non-cumulative FD options. In a cumulative FD, the interest is compounded and paid out at maturity along with the principal amount. On the other hand, in a non-cumulative FD, the interest is paid out periodically, such as monthly, quarterly, half-yearly, or annually. This is particularly useful for senior citizens who are looking for a passive income stream to supplement their retirement income. The interest payout frequency can be chosen as per the senior citizen's preference and financial needs.

Furthermore, the interest payout is not subject to TDS (Tax Deducted at Source) if it is below the taxable limit, which means that the senior citizen can receive the full interest amount without any deductions.

​Higher returns

Bajaj Finance Fixed Deposit offers higher returns than most banks, making it an attractive investment option for senior citizens. Here is an example where a senior citizen invests Rs. 5,00,000, Rs. 10,00,000, and Rs. 15,00,000 in an FD with Bajaj Finance for 44 months. Here is how much they will receive at the end of their chosen tenure.

Disclaimer: The above calculations are done using the online FD calculator.

With Bajaj Finance Fixed Deposit’s high-interest rates, safety, flexible tenures, and non-cumulative options, it emerges as a prudent choice for senior citizens. This is investment option can surely help secure one’s golden years and grow their wealth steadily over time.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 66.05 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.