CUSTOMER TIMESA retrospective look at our Customer Engagement Programs

CUSTOMER RELATIONSHIP

Dear Esteemed Customer,

2014 is upon us and my team and I at Bajaj Finance Ltd., take this opportunity to wish you and your families a delightful, prosperous 2014, filled with promise, joy and fulfilled dreams.

Let me begin by expressing our delight at 2013 – it has by far been our best performing year - over the last several years. We are delighted to announce that Bajaj Finance is the largest consumer durable lender, easily among the top five/six lenders in unsecured lending and feature as one of the top six banc assurance insurance originators in the country. Our teams have worked diligently, passionately and systematically to build a 3% market share that we enjoy today, in the hyper competitive mortgages business in the country. While we were establishing market share, concurrently we also invested in a wealth management business, expanded our geographical presence in the country in urban markets and initiated our journey in rural markets with

new products like Gold loans and Refinance loans. Yes, it has been a story of growth and expansion all through 2013.

I invite you to reflect upon some of these remarkable facts related to you as our Customer:

• 24 lakhs new lending relationships last year,

• 5 lakh service requirements in a month across multiple channels, branch and point of presence.

• Delivering 92% first time resolutions and 80% within 2 days.

Our motto of “Customer Focus”, deeply entrenched in the company culture, has helped us deliver transparency in all our processes with the highest standard of integrity. In 2013 however, we achieved a new benchmark in the way we measure customer “satisfaction”. We shifted our focus towards customer effort and not solely on delivering customer satisfaction. We firmly believe that our customers’ interaction with Bajaj Finance Ltd. should be as smooth, effortless, seamless, efficient and delightful as possible. Our focus on customer effort led us to reflect, develop and introduce a slew of delivery channels to ensure that you would never be too far from or have to wait too long to have your queries clarified or issues resolved.

Elsewhere in the newsletter you will read about these

Wish you a happy 2014!

At the outset, let me share with you that, at Bajaj Finance Ltd. it is our firm belief that we owe our success to the patronage of our loyal customers. To deliver service par excellence and ensure that no customer ever feels less than special is what my teams aim for every single time, every single day.

It is thanks to you and your continued support that ensured we had yet another successful year in 2013. The very fact that we serviced 24 lakh customers for our Retail business, and extended our financing coverage to 113 locations in India is proof of our customers’ continued faith in us.

Innovation designed to enable ease, convenience and precise information for our customers has been the cornerstone of our success. Our Existing Member Identification (EMI) Card launched in 2011 is a case in point. Using this card, existing Bajaj Finance Ltd. customers can purchase products and simply swipe their cards for financing without the hassle of any documentation or other tedious personal loan process. Amazingly, with this card, our customers now spend just about 3 seconds (the time it takes to swipe the EMI card and await approval). And the proof of its efficacy is the more than 16 lakhs happy customers who have availed of the EMI Card. We have also improved the process for

repeat customers so that they are required to submit lesser documents while financing their second product. Maintaining transparency in transactions is yet another keystone of our success. Right from regular communication with our customer during the initial loan approval process to welcoming them to the Bajaj Finance Ltd. family with a Welcome kit and the subsequent add-on service extras including monthly Statement of

Account (SoA), are part of our Service Pride and Customer First philosophy.

Our customers can now access their loan information and even conduct transactions through Experia, the online portal providing the convenience from any location. Of course our customers can visit the Bajaj Finance Ltd. counter at any retailer shop at any time to service their request through the Bajaj Finance Ltd. representatives present there.

Our commitment and passion towards serving and servicing our customer promptly, efficiently and courteously has resulted in far few requests and queries from existing Bajaj Finance Ltd. customers. In fact it is our promise to process a customer’s requests in 2 days whereas other financial institutions take anywhere between 5 to 10 days . In a dynamic business like ours it is not realistic to expect zero customer complaints, however our objective is to understand and plug process gaps for a seamless experience for all our customers. Our mantra for a winning business: listen to our customers and improve on our processes.

I track the requests resolution analysis for the Retail businesses myself, as I try and ensure that there is not

even a single disgruntled customer. My personal review also helps keep the sales team customer service focused and keeps them on high alert. We know that every happy customer is an investment into our future as he/she is a source of repeat purchases and for glowing referrals. Whereas each unhappy customer can influence 10 incumbent and potential customers, leading to a huge loss of sales and our reputation and credibility. The very fact that 50% of sales are to existing customers is a testimony of our providing the highest level of customer satisfaction.

Today, as we move forward and grow, I am happy to announce that our product portfolio has grown to include lifestyle products such as furniture, modular kitchens, designer watches and fitness equipment, thanks to customer feedback. Yes, we are serious when we say we listen to our customers. In fact all our financial assistance programs can be availed by you at all popular retailers, that too at attractive price points.

As we wound down on 2013, we went “digital’ with our tie-ups with Apple, of HP, Acer, Dell, Sony, Toshiba, and Panasonic. With these tie-ups directly with the manufacturer of digital products we hope to provide you with the same level of service commitment, dedication and passion to bring all your aspirations to fruition.

With your continued patronage and our ever growing product portfolio, we are certain that Bajaj Finance Ltd. will continue to occupy pride of place as India’s leading NBFC. Let us make 2014 a very prosperous and wish-fulfilling year, together.

Yours sincerely,

Devang ModyPresident – Consumer Business

delivery channels, but I’d like to draw your attention to a few such as:

• “Single Customer view” to enable each employee of the company to service any customer, any time using our new “Service CRM system”

• “May I Help You” desk at our Branches

• Electronic self-service kiosks in our top 10 branches

• Introduction of missed EMI payment facility at our partner Bank branches

In keeping our promise of delivering unsurpassed excellence and continuing to journey on the path that we have been walking on, this year too we will continue to invest into further strengthening our service framework to provide a delightful experience in all your dealings with Bajaj Finance Ltd.

We owe our every success, every milestone, every innovation, to you. It is you who keeps us alert, ensures we deliver our promises and sustain our commitment to deliver financial assistance to fulfil your dreams and aspirations. We look forward to a great partnership which adds value in your personal life as well as in your professional ventures.

Regards,

Rakesh BhattCOO – Bajaj Finance Ltd.

Customer First – Today, Yesterday, Always

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

At Bajaj Finance Ltd., customers are paramount. Keeping this focus in mind, 2013 marked the beginning of a new chapter in our sojourn of delivering customer delight. “Any customer, Anytime” is our aspiration as we strive to deliver that through our

State of Art CRM which enables single customer view; coupled with “Service Pride Campaign” and focused training to all our employees.

As head of service delivery, my team and I are on high-alert for the slightest whiff of grievance, issue, or concern any of our customers bring to our notice. We are sensitive to the needs of our customers, and it is our sincere desire to ensure a seamless, hassle-free and delightful experience with us.

It is you who drives our teams to constantly strive to birth innovative ideas that enhance your experience with us. Our bouquet of services ensures that you have access to Bajaj Finance Ltd. and its customer delivery team at all times.

Kiosks

Customer Resolution Time and effort is a key performance indicator. We have self-service kiosks at all our key branches which are user friendly and help our customers avail important information such as: their Statement of Account, NOC (No Objection Certificates), and other loan details instantly.

Branches

We have 95 of our own branches where a customer can walk in with a requirement and walk out with a guaranteed resolution to their queries. Our employees at these branches are completely empowered and committed to customer resolution.

Online access

Portal: Our online portal, Experia (www.bajajfinservlending.in) offers you a host of services, including special offers and information about other key events within Bajaj Finance Ltd. which could be of immense value to you.

With Experia you can:

• Check Loan and EMI Details • View and print Statement of Account, No Objection Certificate, Interest Certificate • Pay Outstanding EMI • Foreclose your loan • Part pay your loan • Update your profile • Apply for TDS refund online • Raise and Track your complaints or requests • Apply for new loans • View offers • Get instant approvals for new loans

Digital Vault: E-Vault is a unique initiative by the team at Bajaj Finance Ltd. All customer documentation given at the time of loan application is scanned and available on our Customer Portal for our customers to view and refer to, anytime at their convenience. With their unique login and password, our customers can view, print or store all their loan and KYC documentation besides offering total transparency on the same.

Email: For any queries / complaints or suggestions, you can always write to our customer service team at wecare@bajajfinserv.in . It is our commitment that we will resolve your query within 2 working days.

Grievance Redressal Team: We are committed to resolving your queries/issues within 2 working days. Satisfactorily. In case you have not heard from us within 48 hours, or you are not satisfied with our resolution of your query you can write to us at grievanceredressalteam@bajajfinserv.in.

The Grievance Redressal Team investigates problems/issues raised by customers and provides an impartial resolution.

The Grievance Redressal Team is accessible to you six days a week from Monday to Saturday from 9:30 am to 6:30 pm

Online TDS: Bajaj Finance Ltd. customers can request TDS refunds from the comfort of their home or office by logging in to our portal Experia, filling up the requisite details as per the screen request, upload the original digitally signed Form 16A and the TDS refund request is generated and processed through a NEFT transfer. It’s that simple.

Mobile access

Bi-directional SMS: Bajaj Finance Ltd. leveraged mobile technology to provide instant information through Insta Info. Insta Info or Bi-directional SMS is a set of text messages where all you need to do is type a keyword and send it to +91-9227564444 from your registered mobile number and the information is sent back to you in a few seconds.

Keywords that help you access key information quickly, instantly, conveniently:

SOA Get your statement of accountNOC Get your loan No Objection CertificateGETEMAIL Know your current email addressUPDEMAIL Update your email address

GETADD Know your current mailing addressUPDADD Update your mailing addressCUSTID Know your Customer IDLAN Know your Loan account numberEXPERIA Know your Experia username a nd passwordPIN Know your 4 digit EMI card PIN EMI<> LAN Know your loan / EMI detailsREPSCH Get the repayment scheduleROI Know your loan rate of interest

Mobile App / WAP: Through our Mobile App, you can access information faster and on the move. With 3 easy steps you can download the app on your phone and

Customer Delight Enhancement at Bajaj Finance

have your loan related information on the move at your convenience. To download the app, visit app stores of Android, Blackberry, I-phone and Windows phones.

Missed Call: In a unique way of reaching out to our SBS customers, Bajaj Finance Ltd. launched the Missed Call Facility. A missed call to BFL ensures that our customer service representatives will call you back and assist you with any query.

Dynamic IVR: Our Customer IVR launched in 2011 (Integrated Voice Response) went a step further with an enhanced multi-lingual IVR in 10 languages. Then in 2013, we launched the Dynamic IVR.

Like a lot of our other features, Dynamic IVR is unique to Bajaj Finance Ltd. Its main advantage is that the customer is directly taken to the menu option from where he/she had last disconnected the call from, making it easy to locate his/her preferred menu option without any difficulty, every time they place a call. This is a time-saving, efficient and hassle-free process as it eliminates unnecessary authentication and selection menu options for the customer.

Customers can call our Toll free number 18002094151 or 18002095152 to experience the Dynamic IVR.

Product delivery benefits

Nil Foreclosure: Bajaj Finance Ltd. pioneered the nil foreclosure charges 1 year prior to other banking institutions even before RBI mandated it. We offer our customers nil foreclosure charges at at any time during their loan tenure offering them a seamless, convenient and transparent process. Customers can pay the foreclosure amount online, anytime through our website www.bajajfinservlending.in

Part Payment: Bajaj Finance Ltd. is the only organization to have a nil part-payment facility. Customers can prepay their loans by using our part payment facility upto 6 times in a calendar year at any interval with no limit on the maximum amount being paid. The minimum amount per prepay should not be

less than the sum of 3 EMIs. Customers can pay the part prepayment amount online, anytime through our website www.bajajfinservlending.in

Prompt Repayment: Bajaj Finance Ltd. offers an exclusive benefit to the customers who are prompt with their EMI payments. Subject to timely clearance of EMIs, BFL will refund between 0.5% to 1% of the annualized interest back to the customer. This is a unique proposition which not only helps to drive timely payment it also ensures no adverse remark on the CIBIL rating (CIBIL published scores that reflect the financial status of a customer). This bureau helps organizations to take sound decisions during loan sanctioning process.

Ajita KakadeNational Head -Customer Experience

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Service Xtras

Monthly SOA / NOC: A monthly statement of accounts is emailed to all customers each month giving them information of their loan status, EMIs paid and balance amount. Post the exit of the customer, an automated Exit letter along with an NOC gets emailed to all our customers. We email our EMI card customers a monthly EMI card statement giving information about their transactions.

Bi-annually all our customers get I-share, an e-zine from our CEO’s desk, detailing the organization’s performance across all its businesses.

CIBIL Glance: In one of our key initiatives to provide customer transparent information about their CIBIL history, Bajaj Finance Ltd., in partnership with CIBIL has developed ‘CIBIL Glance’. This front-end report provided to all customer service executives gives information about the latest input given by BFL to CIBIL. This report enables the executives at the branch to handle CIBIL related queries of the customer efficiently, also providing the customer a proof of the update sent to CIBIL by BFL.

Welcome Kit: A relationship and service guide is provided to all our customers within 4 days of disbursement of your financial assistance. The kit contains the customer key loan information and a detailed repayment schedule of the loan.

Effort score: Every query /complaint that is resolved, we ask our customers to rate us with the help of a non-intrusive SMS based tool, on the effort taken by them on the ease of getting a resolution and their overall experience. This rating and feedback helps us analyse our areas of improvement, customer pain points and the continuous enhancement and re-engineering of our customer service delivery. This is a proactive initiative and an unusual and uncommon practice not undertaken by too many organisations.

Grievance resolution channelsFTR: First Time Resolution is a key benchmark across industries on how well the customers are getting serviced ‘first’ time without having to revisit the same complaint / query again.

At Bajaj Finance Ltd. our service teams track FTR closely to ensure customers queries are answered at one shot. Our consistent 95% FTR scores indicate that our efficient and effective handling of customer complaints and grievances.

Resolution and close-looping: Every customer interaction is recorded in our CRM systems and resolution time tracked and measured. All customer interactions have a system automated request number which is communicated to the customer via SMS and email denoting the expected resolution time. Post resolution of the customer’s query / complaint, a confirmation SMS and email is sent

back keeping them informed of their query / complaint status.

In Service We BelieveService Pride: Bajaj Finance Ltd. launched an organization-wide intervention on service excellence called Service Pride in 2013.

All our employees across the company went through a series of planned service trainings on our key service philosophy and mantras. The aim of this initiative was to equip each person within the organisation to live the mantras on an everyday basis and deliver, manage and lead a service focused culture.

We have instituted service R & R programs for nurturing and motivating employees who have displayed these mantras to deliver the highest levels of customer satisfaction through their interactions.

Internal Service Guarantee: As part of this Service Pride drive within the organization, one of the key concepts we drive as a service team is Internal Service Guarantee - a firm commitment from our internal teams of guaranteeing excellent service to our customers. The service guarantee entails all internal stakeholders to work closely with the customer service team to understand customer pain areas and help to eliminate them in achieving customer delight.

Great Place to Work® Institute is all about, you guessed it – great places to work. Every year it conducts an in-depth analysis of various organizations across the spectrum of the Indian corporate landscape and comes up with its assessment and rankings of the great places to work based on very stringent criteria.

Bajaj Finance Ltd. is proud to announce that in June 2013, we were ranked as “The Third Best Financial Services Company to Work For in India” by the GPTW Institute in partnership with The Economic Times. This study has helped us understand perceptions as held by people from outside the organization and we are of course delighted that we do “walk the talk”. This doesn’t mean we will be complacent and rest on our laurels, it will only push us to continue to do what we do well, and strive to bring improvement in every other area and function. Customer delight and employee satisfaction is serious business at Bajaj Finance Ltd.

The annual employee engagement survey that we conduct with the help of “Aon Hewitt” to check the internal health of the organization, revealed a high score of 83% which made us eligible to participate in the “Best Employer Study”. The Aon Hewitt Best

Bajaj Finance Ltd. A Great Place To Work, it’s official!

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Employer Study is designed for defining best employers and is conducted across nine countries: China, Hong Kong, India, Indonesia, Korea, Malaysia, Singapore, Taiwan and Thailand.

At the time of going to print we were still waiting for the results to be announced.

Top 3 Attributes That Keep Our Employees Highly Engaged

1) “Hire Right” - This helps us identify the right talent pool entering the organization and our progressive career development opportunities clearly outline how employees can grow both functionally and cross-functionally.

2) High Performance Teams - Driving a strong sense of performance and metric orientation through all our people practices and initiatives has helped create teams which are high-achievers and performers.

3) “Heroes” - Our level and geography weighted Reward and Recognition Program, touches 36% of our total employee strength every year and culminates into an exclusive and aspirational club, “The Excelsior League.”

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

We at Bajaj Finance Ltd. are evolving and innovating and adapting to our customers’ lifestyle requirements. Our keen observation of market trends and customer aspirations has led us to introduce this remarkable lifestyle financial assistance service that helps fuel all your dreams.

Overview of the Lifestyle Financial Assistance Program

Loan Offered In These Two Product Categories:

a) OTC (Over The Counter) products - Smartphone, I-phone, Laptops, Tablets, Luxury Watches, Musical Instrument, Sound System, etc.

b) Delivery Products - Furniture, Home Improvement & Furnishings, Modular Kitchen, Jacuzzi, Bathroom Fittings, Fitness Equipment, Stem Cell.

Fact Sheet:a. Serving in 24 Indian cities

b. Distribution of 2000+ retailers across all categories

c. Tie up with National and Regional LFR (Large Format Retailers) in retail such as:

Live The Dream Life You Have Always Desired Bajaj Finance Ltd. launches the Lifestyle Financial Assistance Program

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Furniture & Kitchen: @Home, Home Centre, Home Town, Style Spa, Evok, Reliance Living, Godrej, Home Ideas, Sleek, OREN, Damro, Durian

Digital: I-store, UniverCell, Sangeetha, Poorvika, Big C, LOT mobiles

Watches: Helios, Ethos

Fitness: Proline, Grand Slam, OSIM, Acme

Musical Instruments: Furtados, Theme Music, Yamaha

Loan Features:

a. Minimum loan amount is Rs.15000 up to Rs.3 lakhs

b. Instant 3 minutes’approval up to loan limit of Rs.3 lakhs

c. Interest free loan to customers

d. No hidden charges.

e. Processing fee of Rs.749 only

f. Minimum documentation (ID Proof, Residence Proof, Cancelled Cheque)

Bajaj Finance Ltd. & CRISIL come together - SMEs & SISs to benefit from credit ratings

Two of India’s leading financial service providers, your very own Bajaj Finance Ltd. and CRISIL have decided to come together to form a unique partnership in service of our SME customers. How will this benefit them across 60 cities in India?

• Our SME customers will automatically get convenient access to CRISIL’s services.

• CRISIL will provide SME and SSI credit ratings which will help improve their credentials when dealing with other financial services providers such as Banks and Foreign Investors, besides providing buyers and suppliers an assurance of their credit worthiness.

• Good credit ratings will translate into lower interest rates for SMEs when financing their projects through other lenders.

• Good credit ratings can be leveraged by SMEs through smart PR activities which can help accrue other subliminal benefits.

• CRISIL’s services will be available at discounted rates.

• Good ratings from CRISIL for a Small Scale Industry will enable them to get additional concessions from National Small Industries Corporation (NSIC) over and above the concessional rating fees.

• A good credit rating and a stable post-loan disbursement performance meeting our internal criteria will pre-qualify customers for some exciting offers from Bajaj Finance Ltd.

Nearly 700 esteemed SME customers of Bajaj Finance Ltd. have already agreed to be rated by CRISIL. Want to know how you too can benefit from this exciting partnership? Write to creditrating@bajajfinserv.in or simply contact your Relationship Manager.

About CRISIL

CRISIL is India’s premier credit rating agency and provides a plethora of services to businesses such as credit ratings, infrastructure advisory, research, risk solutions, training and more, to the private and government sector as well as the non-corporate sector.

Till date CRISIL has rated over 45,000 SMEs in India and their ratings are widely used by banks for credit assessment and tracking performance. In addition, several of India's largest companies use CRISIL’s customized SME assessment services to evaluate their vendors, dealers, distributors, and franchisees.

Diwakar PundirChief Commercial Credit Officer

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Bajaj Finance Ltd. launched the Existing Membership Identification Card in 2011 to cater to the demands of ‘instant’ financial assistance of our customers, so that making purchases of white goods and other items within the limit of the card would be easy.

If you haven’t availed of the benefits of the EMI Card, here’s a quick primer on its features and other key milestones, giving you a bird’s eye view of the power of its simplicity.

What is an EMI Card?

• EMI Card refers to Existing Member Identification Card

• The EMI card is essentially a pre-approved loan nestling in your wallet

• Simply Swipe, Sign and Buy with your EMI card

• Minimum documentation: for using the EMI card, a customer does not need to furnish any documents

• It offers unsecured loans on select EMI Cards (Emergency Loan Card)

Key Milestones

• Launch of EMI Card: May 2011

• PAN India Coverage Extension: March 2012

• 1 Lakh Transactions Milestone: June 2012

• 1 Million Cards Milestone: November 2012

• EMI Card New Design Launch: July 2013

• 5 lakh transactions milestone: October 2013

• 50,000 Transactions in a single month Milestone: October 2013 (highest ever in a single month)

• 1.5 Million Cards Milestone: November 2013

Exciting Feature Coming Soon! Loading Loyalty on EMI Card: Bajaj Finance Ltd. is in the process of developing a Loyalty Program framework for all EMI Card customers and the pilot for the same would be launched by Q1 of FY 2014-15.

If you are a Bajaj Finance Ltd. customer and haven’t yet availed of the EMI Card benefits, why wait? For more information, visit www.bajajfinservlending.in or write to us at enquiry@bajajfinservlending.in

Have an EMI Card? Make purchases ‘bindaas’!

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New Introductions on the EMI Card

• External offers on EMI card - offers from Makemytrip.com (welcome gift), eBay, India Today group, baggittoday.com (on transacting with EMI Card)

• Catalogue Marketing - Catalogue marketing for EMI Card customers was launched in September 2013). Catalogues have been sent for all new EMI Card customers along with their EMI Card Welcome Kits. With this launch, our EMI Card customer can call up the vendor, Royal Images, to place orders over the phone and have their orders delivered to their homes. It’s easy, fun, quick and convenient.

Partner Offer

Bagittoday 2 discount vouchers

Yatra 2 holiday vouchers @ Rs. 3999/-

Living Media 50% discount across all digital magazines on Annual SubscriptionIndia Today for various magazines such as India Today, Business Today etc. eBay 7% off Discount value upto Rs. 750/-

Groupon Rs. 250/- flat discount

Dr. Batras 50% discount at all clinics onconsultation + 20% discount on treatments

Old EMI Card design(May 2011 to June 2013)

New EMI Card design(July 2013 onwards)

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Always dreamt of owning your own dream home?

Had visions of having a beautifully designed dream home?

Were worried about financing this dream?

You needn’t worry or wonder any longer. Bajaj Finance Ltd., India’s leading Non

Banking Financial Company is proud to introduce a first-of-its-kind, unique service, that will cater to your deep desire to have a beautifully designed home.

Yes! Now you can avail of financial assistance to purchase your home, as well as having it beautifully designed through the Interior Design Consultancy services offered by Bajaj Finance Ltd.

Benefits from this new offering...

•Interior Design Consultancy at 50% of the actual cost only for Bajaj Finance Ltd. Home Loan customers.

•Easy access to professionally qualified and renowned interior designers.

•A standardized service offered in six Indian cities – Bangalore, Chennai, Delhi, Hyderabad, Mumbai and Pune.

• Online access to services via ‘Experia’

• “Total Loan”** offers loans for interior design which can be availed in case you wish to utilize the IDC services offered by Bajaj Finance Ltd.

**Providing Total Loans will be at the sole discretion of Bajaj Finance Ltd. based on its internal policies and criteria

The IDC bouquet of features and services

• Site visits - the interior designer will meet you personally, assess the site, understand your desires and requirements which could be translated into proof-of-concept.

• Survey & floor plan creation** - in case of absence of a blue print, the designer will draw up a floor plan based on the survey of your residential unit giving you a top view showing the relation between and placement of the various spaces and rooms. In most cases a floor plan is provided by the builder.

Finance a designer homeunder one roof

Amit GaindaSenior Vice-President - Mortgages& Loan Against Securities

Bajaj Finance Ltd. has made the entire “from home to loan” process stress-free, convenient and reliable. Launched in January 2013, Bajaj Finance’s Property Search Services in partnership with Jones Lang LaSalle ( JLL) a leading international property Consultant offers assisted search for properties of your choice in addition to professional services for sale, purchase & leasing of properties.

Your gains through this strategic partnership:

• Property search through the most credible, trained resources

• Special promotional offers of exclusive properties from top developers especially for you

• Periodic updates on newly launched properties

• Access to structured real estate market information through newsletters and reports

• Option of funding your property requirements from Bajaj Finance Ltd.

• Property valuation services at a preferential tariff

• Structured market intelligence through Public Domain Reports and customized research reports

PSS’s services on offer:

• 360° real estate management

• Sale/purchase/leasing: commercial or residential properties through Bajaj Finance Ltd.

• Promotional Offers of exclusive properties from top developers for you

• Valuation services: Get your property valuated with our expert team

• Enhanced industry knowledge and market intelligence

• Customized research reports on the real estate sector across specific markets will be available for our customers at discounted rates. You can order for customized reports on the sector as well

• Priority sharing of Public domain reports

Login here http://www.bajajfinservlending.in/home-loans.aspx and get started on the right property that you have always dreamed of.

The One-stop-shop for all your property needs – from “loan to home and home to loan” – only with Bajaj Finance Ltd.

Getting a loan for your property is easier than…finding the right property!

Jones Lang LaSalle ( JLL) – our Property Search Partner

Jones Lang LaSalle is a financial and professional services firm specializing in real estate services. The firm offers integrated services delivered by expert teams worldwide to clients seeking increased value by owning, occupying or investing in real estate. With annual revenue of $3.9 billion, Jones Lang LaSalle operates in 70 countries from more than 1,000 locations worldwide. Jones Lang LaSalle, was voted as the most Ethical company for 6 years running by ‘Ethi Sphere’ –an international research based institute which is a leading international think-tank dedicated to the creation, advancement and sharing of best practices in business ethics, corporate social responsibility, anti-corruption and sustainability.

BAJAJ FINANCEProperty /

Home Services

Property Search

Home Loans

Online Approvals Interior DesignConsultancy

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

• Furniture layout – outlines and defines furniture and accessories’ placement within the residential unit. The designer will submit at least 2 furniture layouts depicting position of furniture and accessories like cabinets, upholstery, rugs etc.

• Mood boards – will be presented by the interior design consultant to give you an idea of the aesthetics of your home. These are a collage/ composition comprising text and image of various materials, textures, colors creating a look and feel of the home.

**Most property developers provide floor plans to their clients. In this case a survey may not be required to create a revised floor plan.

How do I apply for this unique offering?

Email confirmation of your application will be sent to your

registered email id within 48 hours and the Interior Designer would

contact you within 48 hours as well.

Avail of this fantastic and exciting new service offered by Bajaj Finance Ltd. to its Home Loan customers. Don’t just buy a home, design it too. Write to idc@bajajfinserv.in and we would be happy to revert.

Login to Experia, the online customer service portal with your

login ID and password. (the login ID and password are provided once your Home Loan is disbursed).

Click on the IDC banner displayed on the landing page once you login.

Profile of two designers would be displayed on screen and you can select

any one designer of your choice.

Once you agree to the terms and conditions of the service you can submit your IDC loan application.

Bajaj Finance Ltd., in keeping with its philosophy of “doing more” for its customers has introduced an entire product line of insurance products and services.

Life Insurance - Our product offering in Life Insurance is simple pure group term plans which come with a sum assured amount that is paid in the event of death of the Insured.

Health Insurance – Our health products have been selected on the basis of the clear benefits to our customers. (e.g., no sub limits on hospital room rent, etc.)

With IRDA’s new approved regulatory for marketing of insurance products over the phone, we at Bajaj Finance Ltd. have launched an easy-to-understand, convenient phone marketing of our health insurance products for our EMI card customers. Today our Consumer Durable customers can avail of Life Insurance policies over phone and Health insurance can also be bought by our Personal Loan customers.

Our objective is simple – To simplify the entire insurance process end-to-end based on the customer’s requirement without compromising our adherence to insurance regulations in order to deliver a seamless, timely and efficient solution.

Life Insurance ProductsA) Bajaj Allianz Group Credit Protection Plan

Ideal protection for the family from financial debt, in case of death, by way of single premium.

• Covers loan holders of Bajaj Finserv

• Single Premium Group scheme

• Term Cover option of 2 - 30 years

• Non-medical limit up to INR 2 crores of sum assured

• Has critical Illness rider that covers 11 critical illnesses

• Has Accidental Permanent Total Disability rider too

B) Bajaj Allianz Group Term Life

• Pure term protection for short term goals on group platform

• Term Cover up to 1 year

• Age bracket of 18 - 59 years covered

• Sum Assured coverage from 1 lakh to 10 lakhs

Health Insurance Products A) Bajaj Allianz Health Guard

Individual cashless medical cover to take care of hospitalization expenses in case of illness or accident.

B) Bajaj Allianz Family Floater

Medical cover that covers self, spouse and up to four children.

Both Health Guard and Family Floater cover the following:

• No limit on room charges, doctor’s fees or hospital consumables.

• Covers pre-hospitalization, 60 days prior to admission and all related medical expenses

• Covers post-hospitalization up to 90 days after discharge

• Any ailment contracted during first 30 days is not covered

• For pre-existing conditions, waiting period is 4 years

• No medicals up to age 50 for sum assured up to Rs.10 lakhs

• Cashless claims process managed internally by Bajaj Allianz

C) Bajaj Allianz Extra Care

This extended health cover on your existing health policy covers both individual and family policies at attractive premium rates and sum assured top up.

• Rs.3 lakhs existing policy can take a top up of sum assured up to Rs.10 lakhs

• Rs. 4 lakhs existing policy can take a top up of sum assured up to Rs.12 lakhs

• Rs.5 lakhs existing policy can take a top up of sum assured up to Rs.15 lakhs

D) Bajaj Allianz Star Package

This comprehensive protection plan provides 8 benefits where you have the option to opt for a minimum 3 of the below benefits for policy term options of 1 , 2 and 3 years.

• Hospitalization cover up to Rs.5 lakhs.

• Hospicash benefits

• Critical Illness coverage

• Personal Accident coverage

• Education Grant coverage

• Householder content coverage

• Loss of Baggage while travelling

• Public Liability

E) Bajaj Allianz Professional Indemnity / Medical Practitioners/Institutions

Policy indemnifies the insured for those sums which results due to the insured’s profession , which become liable to be paid as damages for loss caused by an accident that takes place in coverage territory during the policy period.

Be it your health or your life or your dreams and aspirations, we at Bajaj Finance Ltd. care for you. Our insurance products are an extension of our financial services with one aim: to make your life worry-free allowing you to achieve more, dream more and fulfill more.

For more details, please log on to www.bajajfinservlending. in or write to us at info@bajajfinservlending.in.

Be Safe & Secure For LifeWith Insurance Products, from Bajaj Finance Ltd.

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Log in and you’re in. That’s the mantra for our customers who wish to avail of loans.

Keeping pace with technological innovations, a forward-thinking organization like Bajaj Finance has a first mover advantage in introducing the Online approval for Salaried Personal Loans and Loans Against Securities.

Do you dream of buying a new home theatre system? A fabulous flat screen LCD 40”? What about Renovating your home? How about that long-awaited deserving holiday? Imagining a band baajaa walla beautiful wedding? Have dreams of Investing in your business?

Whatever your dream or aspiration, you can now fulfill the same by availing a loan online, in minutes. How? Very simple really. If you have a computer, an internet connection and are an existing customer of Bajaj Finance Ltd., imagine it done.

Benefits of Online Loan Approvals

•Instant Online Approval in 5 minutes and disbursal within 72 hours

•Nil Foreclosure charges. No part-payment charges

•Any time foreclosure of loan after clearance of first EMI

•Part-payment facility allows:

Nil part-payment charges

Minimum amount per part-pay transaction (not less than 3 EMIs)

Part-payment of your loan up to 6 times in a year

Any amount without an upper limit, for part-payment

Tell me more:

• Salaried loans online were introduced in 2012

• Personal loans with a minimum loan of Rs.1 lakh to a maximum of Rs. 15 lakhs can be availed

• Anyone earning between Rs.40,000 pm in metros or Rs.35,000 pm in other cities for tenures ranging between 12 – 60 months can access this convenience

• Loan against securities was launched in April 2013 – again a first for the industry

• Self-employed, salaried professionals or SMEs can avail loans to meet their short/long term capital requirements

• Loan available against securities, Mutual Funds (Debt & Equity), and Life Insurance (with Bajaj Allianz only)

• From Rs.25 lakhs – 10 crores with tenures ranging from 12 – 60 months is offered to customers with a minimum portfolio size of Rs.40 lakhs

• Offers flexibility to customers who can choose from a list of over 325 Scrips & Mutual Funds approved by us

• Avail of the additional benefit of swapping your securities within approved scripts, at any time

Moving with the times.Bajaj Finance Ltd. servicesare now available online.

2014 is all about your money working hard for you.

Some facts that you may be aware of:

• Disposable income of Indian customers up significantly in the period 1992-2012.

• Demand for safe and reliable investment options is high.

• Volatile equity markets have been posting 0% absolute returns over the last 4 years – your money has not been really earning anything in real terms and is in the red.

As the saying goes, when the going gets tough the tough get going. Being India’s leading NBFC we have kept our ear to the ground and heeded our customers’ deep desire to have robust and reliable investment instruments that give them a low risk, medium return option given the volatility of the stock markets and the general economic scenario since 2009.

Our legacy of serving well over 25,000 customers over the last 23 years has stood us in good stead and we are now re-launching the Fixed Deposit programme this year.

Our focus for the FD program is – safety, timely and stability.

Features:

1. Flexibility - 5 maturity options ranging from 1 – 5 years

2. Location friendly – wherever Bajaj Finance Ltd. has branches, all Indian customers’ deposits will be accepted

3. Superior Customer Service – trained staff to provide services par excellence to depositors

4. Convenience – auto-credit of maturity amount to the registered bank account on the maturity date and credit of interest will happen 1 day prior to the actual date of payout (in cases where the maturity date falls on a public / bank holiday)

5. Customer-sensitive – We understand the needs of senior citizens and will be offering 0.25% additional interest rates over the regular rates

6. Loyalty Interest – In fact Bajaj Finance Ltd. will provide even its existing customers an additional 0.25% interest over the regular rates

Our promise – As leading providers of financial services in the non-banking space, we promise to extend the same services including ease-of-application, quick processing, convenience and reliability that our customers have come to expect from us.

Let us help you in making your money work hard for you in the new year. Write to us at fd@bajajfinserv.in

Introducing FD instruments - Low risk and good returns

Vikram KaushalPresident - RelationshipsWealth Management

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

• Bajaj Finance Ltd. is the first NBFC in India to offer unique & innovative Flexisaver facility across all products combining the features of both term loan and revolving credit facility

• This facility is extended to premium customers (affluent self employed) on their existing loan

• The facility helps the customers to park excess funds in his loan account to reduce his interest burden with the flexibility of re-availing the same at a later stage based on business requirement

• Flexisaver is offered in Equal principal drop line (EPR) and Written down principal drop line method of loan repayment amortization

Flexisaver – makes sense to go with it

• Flexibility to transact (prepay & draw down) in term loan account as per cash flow requirements.

• Convenience to transact in term loan account through an integrated web based online platform with no manual intervention and without any additional documentation.

• Saving by way of paying interest only on the utilized funds. Customer can better utilize idle / surplus funds by part pre paying in term loan and is charged interest only on the utilized loan amount.

• The entire transaction is completely online, through the Bajaj Finance Ltd. customer portal – Experia.

• This self-service account access tool allows the customer to manage his loan account as per his convenience, without the hassle of contacting company representative for any transaction on his loan.

• The customer can drawdown through Experia or make pre-payments through net banking based on their requirement at their own ease. The drawdown amount is credited only to the customer’s authorized and registered bank account with Bajaj Finance Ltd.

• Flexibility to pre-pay loans with idle funds.

• Nil pre-payment charges.

• Re-avail the pre-paid amount within the available balance at any time within the loan tenor without any additional documentation.

• Saving on interest cost – customer pays interest only on utilized loan amount. No interest is levied on pre-paid amount.

• The customers have the flexibility of choice to convert the entire or partial principal outstanding of existing term loan into a flexisaver loan.

• Minimum annual maintenance fee – 0.10% every year of the loan amount on which the flexisaver facility is being availed.

• Loan against property customers – after minimum 3 EMI Payments of existing term loan without any bounce.

• Loan against securities customer – from day 1 of availing the loan with Bajaj Finance Ltd.

Flexisaver is a trademark of Bajaj Finance Ltd.under the category of insurance, financial and monetary affairs.

FEATURES TECHNOLOGICAL INNOVATION BENEFITS CRITERIA

THE FLEXISAVER DASHBOARD

Building Trust through Transparency in all our relationships

Serv

ice In

tera

ctio

ns Service RecoveryService Beliefs

OurServiceAttitude

•See every customer as a Bajaj Finance Ltd. customer, and therefore your customer

•Take care of your customer first , above everything else

•Show courtesy and respect when interacting with each customer

•Acknowledge your customer with a smile and appropriate greeting

•Listen attentively to understand stated and unstated customer wants

•Take personal responsibility to address all customer questions efficiently and effectively

•Apologize to your customer when something goes wrong, and say what you will do right

•Resolve customer complaints by providing solutions that they buy in to and work towards eliminating the root cause of such complaints

•Thank the customer for giving us a chance to serve him/her

•Show courtesy and respect when interacting with each customer

Innovating to exceedour customers’expectations consistently

Making it Convenient and Easy for allour customers to deal with us

Taking Ownership of my customers’ experience and alwaysfulfilling our promise to our customers

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Dear Asheesh

Would like to make special mention and thanks for your support in resolving this issue. Had called several times for system related data and statements, despite being in front of customers you helped with all the details over phone time to time.

Thanks again dear.

Regards,

Siddharth

Asheesh Gupta,Refund to Customer

Dear Vishal Dalvi

I must thank you for your prompt action in my case. I am indebted to you. Actually I did not expect that you would do it soon, given the responses that I had received so far. Wish you all the best in life and as we have in the Pilots community, have a nice landing ahead.

Regards,

Capt. P Sarma

Vishal Dalvi,NOC release

Dear Sir,

This mail is sent to you for appreciating your wonderful job for us. For the financial year 2010 – 2011, we had paid the interest to Bajaj Finserv Without deducting TDS. While we came to know through Income Tax Dept. that TDS should be deducted for Non Banking Financial Institutions, we had deposited the TDS amount Rs.13,59,082/- on 25.01.12

While we applied for claim you had done the wonderful job and arrange to get the refund within 2 weeks time and we had received on 8th February, 2012 itself.

Hence we appreciate your immediate and speedy action and convey our sincere thanks to you.

Thanking you,

H. N. Mohamed

R Ganesh Prompt refund of TDS

Dear Sir,

We are very thankful for your generous loan from your esteemed Institution Bajaj Finance Limited for funding our requirements of Rs.5.69 Crores bifurcated as Rs. 1.74 for Home Loan Rs.3.73Crores and Rs.0.228 Crores as Business loan.

We would like to show our gratitude and appreciate to the Planners & Controllers from the Bajaj Finance Limited i.e., Mr. Pravin Acharya, Mr. Ashish Jain and Mr. Sachin Jain for their cooperative effort, as with their continuous help & support we made out our way to the loan from Bajaj Finance Limited so quickly and uncomplicatedly. Your help and support is truly appreciated. Thanks again.

Your kindness and support will not be forgotten and be repaid promptly. We assure you that your generosity will be paid back even in the fate of unforeseen circumstances.

Your kindness and support is thought of often. Thanks again.

Bajaj Healthcare

Rs. 5.69 sanctioned to Bajaj HealthcarePravin Acharya Ashish Jain Sachin Jain

Dear Sir,

Our client, Ajay Kumar Agarwal had applied for a loan of Rs. 109,00,000/- out of which Rs. 100,000 was an FD. The customer did not receive the Fixed Deposit Receipt in time. Hence, the FD amount of Rs. 100,000 was to be adjusted against the outstanding to be paid by him against the final settlement of his Loan. In order to foreclose the loan and service the client, Ankush has been a great support and was always a call away in driving this case to its conclusion stage.

Please accept this mail as a mark of our goodwill and appreciation for his endeavour.

Regards,

M Hassan

Ankush Varule,End-to-end Client Service

Hi Jalinder & Ram,

I would like to put on record the positive Customer Experience I got dealing with Bajaj Finance & Bajaj Allianz. Considering the critical ailment that was diagnosed for myself in Jan’12 post which I was operated and started my treatment, I put in my claim on Jan 31st and my claim was settled by around 25th March which is a very reasonable timeframe.

While Jalindar, you assisted me with the claims paperwork, Mr. Ram Naresh’s courteousness and positive way of communicating the progress of the claim put me at ease. I was never made to feel uncomfortable at any point and instead had a lot of faith in the insurance terms & conditions and that my claim would be settled as my case was a genuine case.

I would like to thank the entire team of people from Bajaj Finance Ltd. & Bajaj Allianz that I have interacted with in this past year, as I was thoroughly supported with very professional behaviour which I truly appreciate as a customer.

A big Thank You to the entire team!

Best regards,

Namrata

Jalinder Ahvad,

S Ram NareshInsurance Claim Settlement

OurSERVICE HEROES

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Dear Mr Deepak Singh,

Thank you very much for your efficient, prompt and co-operative services as a sales manager right from the procurement of loan to foreclosure.

I have worked with numerous financial organisations; I found the services of Bajaj Finance as one of the best

The staff is courteous, addresses the needs of the clients and Mr Singh has been patiently handling all our requirements at all given time during our association in last 2 yrs Bajaj Finance Ltd. also send dockets about loan details and login I'd with complete documents which I haven't seen so systematically organised from any other banks.

Generally people is sales don't handle calls once their client is acquired but I am delighted as a customer as Mr Singh even after loan sanction was in touch for us regardingTDS refunds, accounts queries

Even at the time of closing the services were prompt and efficient. Our company has satisfactory experience and we are delighted with the services at Bajaj Finance Ltd.

We wish the very best to all team members and especially to Mr Singh who has been very helpful in our entire loan process from sanction to closure.

Regards,

Dr. Pratiksha

Deepak Singh,Client appreciation

Hi Toshita,

Happy Diwali to you, your family and your team at work.

I know, I sound rude sometimes but please understand, all this happens because of some unexpected situations that were created by someone in the customer service.

I would really like to appreciate the way you followed up on my complaint and Bhushan Bagul's way of working, this man had worked as per what he promised. He and his team not only completed the verification process on time but they also made sure by keeping me updated with the progress and at the end by calling me and Informing me that my Loan process was successful and your company has approved my loan. I would say though some people in the customer service spoil Bajaj Finserv name, but honestly speaking even though I had to face that problem but till the time people like Toshita Dalvi and Bhushan Bagul are working with this company, the negative points about your customer service wont harm your companies reputation.

Good Job.... You people made my this years Diwali great..... Just hoping that I also get the money credited in my bank a/c on time so I can make this years Diwali the Best.

Thanks Bajaj Finserv Team.

Regards,

Yukta

Toshita DalviThe Dynamic Duo

Dear Ajitha, Sreekanth and Team,

I am writing this letter as a humble note of appreciation for the quality of service provided by your office staff, Sreekanth PV recently. I had issues relating to paying off my consumer loan for an IFB washing machine that I purchased in the beginning of 2012.

I called your office several times, sent several emails and met with a few of your representatives however never got a resolution until I received a call from Sreekanth finally.

I must say the correct and prompt support extended by him was appreciable and commendable. He was very courteous throughout all our interactions, understood the problem that I was facing and offered to assist me post looking into my case history. He regularly followed up with me by giving me status updates and made me feel confident that the issue is being looked into with utmost priority. He also called me once the issue was resolved and let me know the actions that were carried out by him. I'm not sure if any other representative from

Sreekanth PV,The power of communication

Respected Mr.Lakshman Prasad,

I came to your office on 26th Nov, 2012, regarding NOC, for my pending accounts. I want to thank you for your quick and kind attention you showed towards me and I also appreciate your respectable behaviour towards me as a customer, which is a rare phenomenon these days.

Regards,

Dr. S Singh

Lakshman Prasad,Courtesy & prompt action

Dear Rajat,

I want to thank you for your support and mature behavior by personally intervening and controlling situation at Branch to address a customer complaint.

You displayed maturity while handling the issue of the customer. You gave a satisfactory resolution to the customer by addressing his problems, thereby living up to the Bajaj Finance service promise to the customers.

Regards,

Sanjeev VijBusiness Head Construction Equipment Finance

Rajat,Anger Management

Please consider my email as feedback for Manish Bajpai. I’d spoken to him 2 weeks ago for the first time for a loan. He gave me all the information and explained the advantages of borrowing money from Bajaj Finance Ltd. This impressed me because he not only facilitated my loan application but also gave me valuable suggestions which I have never received from any other sales executive. This makes him stand apart from other sales executives. I had simultaneously applied to Citibank, HDFC Bank and Axis Bank but did not receive such excellent services and suggestions.I am very impressed with Manish from BFL and I will recommend his name to my friends if they need loan anytime.

Regards,

Rajeev

Manish Bajpai,Friendly Guide

any other bank would have been able to close a case as swift as Sreekanth.

You should certainly feel proud of such resources, who can bring in goodwill for the company.I appreciate the way you have trained your staff and the way they are following their duty perfectly. Keep up the good work. Once again thank you for the good service and I wish Sreekanth the best always.

Sreekanth - You can really feel proud of yourself as you've done a wonderful Job. Keep up the good work as you've made me as a customer feel valued and very happy.

Ajitha - Thank you for referring this case to Sreekanth as I'm not sure if anyone else would have been able to resolve the issue so amicably as Sreekanth did. Thank you once again...

With best regards,

Ravi

CUSTOMER TIMES A retrospective look at our Customer Engagement Programs

Dear Sir,

I had purchased some furniture from Home Town - Ishanya and Amanora, amounting to over Rs. 1 Lakh. The furniture purchased from Amanora was financed by Bajaj Finance. The delivery was over due by many days, so I contacted the team at Home Town Amanora . Their manager Vishal gave me a reason that there was a delay from Bajaj Finance for documentation.

I contacted Harshal from your team. I must say that it was a pleasant experience for me as he gave me prompt service, and even returned my call (which is rare ;). He planned for a conference call with the team at Amanora which helped me to understand that there was no delay what so ever from Bajaj Finance.

However, I thought I should write this small thank you note for the fantastic service of your Manager.

Regards,

Sulekha

Harshal Bhandare,Letter of Appreciation

Hi Manish,

Just wanted to give you quick feedback on your service which you provided to avail personal loan,

1. I liked the proper understanding, clarity and quick response to my questions.

2. You guys were flexible to my request while submitting documents - the delays which happened from my side :) and even for not forcing insurance upon me.

3. On the product which I have taken, I liked prepay option without any charges.

Overall it was pretty good experience and keep up the good work.

Thanks,

Sandeep

Manish Bajpai,Letter of Appreciation

Jomon,

Thanks for your assistance in my application/ loan disbursal.

I would like to recognize your professionalism in this entire process. You have been very responsive to all my questions and have given me the clarity all through the evaluation/ decision-making process.

I must also mention that your approach is very customer-centric. You have built confidence and a trusting relationship during the last 2 weeks.

Please pass this email to your superiors so that they can get my direct feedback.

Thanks a lot,

Nripendra

Jomon Oommen,Professionalism

Dear Harmesh,

This mail is to give my feedback about Santosh Gupta & Nishant.

I would like to tell you that Santosh & Nishant are some of the very good resources working for you at Bajaj Finance Ltd. They work tirelessly and are trust worthy. Santosh’s hard work and dedication towards his work is unquestionable. His dedication to serve customers better results in customer satisfaction which I experienced in my last financial need.

I would like to appreciate Bajaj Finance & the team, especially Nishant for their customer centric approach. It was one of the best experiences.

It is fantastic to see regular updates through mails, SMS and personal calls. These regular updates make me confident that my financial needs are taken care of by Bajaj Finance.

Regards,

Feroz

Nishant Bhosale,In touch with the customer

Dear Sir,

Our special thanks to Mr. Nikunj Doshi for understanding our sentiment and giving a patient hearing to our repeated request to arrange to deliver the selected dining set by 14 April, 2013. You have made our new year (Bengali) a memorable one. Thank you so much!

Last but not the least; we would like to thank the delivery team who assembled the article so effortlessly.

Our good wishes to Home Town and everyone at Bajaj Finance Ltd.

Regards,

Sudeep & Sraboni

Nikunj Doshi,Empathy redefined

OurSERVICE HEROES

Left: Devang Mody - President Consumer Business,handing over the keys of a brand new Volkswagen Jettato the Grand Winner of ‘The Sparkling Diwali’ Contest.