{"id":5216,"date":"2022-12-17T03:37:00","date_gmt":"2022-12-17T03:37:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=5216"},"modified":"2026-02-26T08:11:08","modified_gmt":"2026-02-26T08:11:08","slug":"bajaj-finance-limited-corporate-fixed-deposit","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/","title":{"rendered":"BAJAJ FINANCE LIMITED CORPORATE FIXED DEPOSIT"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#ABOUT_THE_COMPANY\" >ABOUT THE COMPANY<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#WHAT_ARE_CORPORATE_FIXED_DEPOSITS\" >WHAT ARE CORPORATE FIXED DEPOSITS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#INTEREST_RATE_OFFERED_BY_BAJAJ_FINANCE_LTD_CFD\" >INTEREST RATE OFFERED BY BAJAJ FINANCE LTD CFD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#FIXED_DEPOSIT_RELATED_GUIDELINES_BY_BFL\" >FIXED DEPOSIT RELATED GUIDELINES BY BFL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#PREMATURE_WITHDRAWAL\" >PREMATURE WITHDRAWAL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#FINANCIAL_OVERVIEW\" >FINANCIAL OVERVIEW<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#CORPORATE_FIXED_DEPOSITS_A_PRIMER\" >CORPORATE FIXED DEPOSITS : A PRIMER!<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#STRENGTHS_OF_THE_COMPANY\" >STRENGTHS OF THE COMPANY<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#Well_Diversified_NBFC\" >Well Diversified NBFC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#Strong_Capitalisation\" >Strong Capitalisation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#Growth_of_Assets_under_Management\" >Growth of Assets under Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#Robust_Earnings_profile\" >Robust Earnings profile<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#Strong_expectation_of_support_from_the_Bajaj_Group\" >Strong expectation of support from the Bajaj Group<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#LIQUIDITY_OUTLOOK\" >LIQUIDITY OUTLOOK<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/#How_are_Corporate_Fixed_Deposits_different_from_other_Debt_Instruments\" >How are Corporate Fixed Deposits different from other Debt Instruments?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ABOUT_THE_COMPANY\"><\/span><strong>ABOUT THE COMPANY<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A non-banking financial institution registered with the RBI, Bajaj Finance Ltd. accepts deposits. BFL was founded in 1987 and is a subsidiary of the Bajaj Group&#8217;s financial services division, Bajaj Finserv (52.8%). BFL offers a wide range of products, including loans for vehicles (two- and three-wheelers made by Bajaj Auto), consumer durables, personal loans, mortgage loans, loans for small enterprises, loans against securities, commercial finance, and rural finance. BFL is India&#8217;s top provider of financing for two-wheelers and consumer goods.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5217\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1-300x87.jpg\" alt=\"About Bajaj Finance Ltd\" width=\"556\" height=\"161\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1-300x87.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1-1024x297.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1-768x223.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1-585x170.jpg 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031527\/table-1.jpg 1141w\" sizes=\"(max-width: 556px) 100vw, 556px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"WHAT_ARE_CORPORATE_FIXED_DEPOSITS\"><\/span><strong>WHAT ARE CORPORATE FIXED DEPOSITS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Company Fixed Deposits (corporate FDs) are term deposits kept for a set amount of time at a set interest rate. Financial institutions, both banking and non-banking, provide Company Fixed Deposits (NBFCs). A few months to a few years are the possible maturities for different corporate fixed deposits.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"INTEREST_RATE_OFFERED_BY_BAJAJ_FINANCE_LTD_CFD\"><\/span><strong>INTEREST RATE OFFERED BY BAJAJ FINANCE LTD CFD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Rate of interest per annum valid up to Rs. 5 Crores per deposit-<\/span><\/p>\n<p><b>Senior Citizens get an additional rate benefit of 0.25% p.a.<\/b><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5240\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-300x184.png\" alt=\"INTEREST RATE OFFERED BY BAJAJ FINANCE LTD CFD \" width=\"624\" height=\"383\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-300x184.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-1024x627.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-768x470.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-1536x940.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-2048x1253.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-1170x716.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-1920x1175.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102258\/Picture7-585x358.png 585w\" sizes=\"(max-width: 624px) 100vw, 624px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FIXED_DEPOSIT_RELATED_GUIDELINES_BY_BFL\"><\/span><strong>FIXED DEPOSIT RELATED GUIDELINES BY BFL<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Minimum amount<\/strong> for opening a Fixed deposit with BFL is Rs. 15,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Depositors falling under the special category of <strong>senior citizens<\/strong> (person more than 60 yrs of age) will be eligible for an <strong>additional interest rate of 0.25% p.a.<\/strong> Per deposit for an amount up to Rs. 5 Crores.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Interest rates may vary on deposits of more than 5 crores<\/strong> and will be decided on a case to case basis but within the rate cap as specified by the Reserve Bank of India.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>In case of online applications<\/strong>, deposits will be booked upon the receipt of the funds and hence will be booked <strong>within 5 days from the date of application.<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Interest payable<\/strong> would be calculated from-<\/span>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The date of application made through BFL portal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The date of receipt of funds by BFL<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The date of realization of amount by BFL<\/span><\/li>\n<\/ol>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Upon maturity the repayment of deposit<\/strong> will be made <strong>through RTGS or NEFT or account payee cheque<\/strong> unless it receives any request for renewal within the prescribed period before the date of maturity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <strong>request for renewal<\/strong> shall reach the company <strong>at least 24 hrs before the maturity date of deposit<\/strong> either in physical format or through online portal.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Renewal of deposits<\/strong> will be subject to the rate of interest and other terms &amp; conditions prevailing at the time of renewal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>In case the depositor has opted for renewal of deposit through deposit application form<\/strong> and wishes to <strong>cancel the renewal request<\/strong> shall submit the request to the company in written format <strong>at least 3 business days prior to the maturity of deposit.<\/strong><\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"PREMATURE_WITHDRAWAL\"><\/span><strong>PREMATURE WITHDRAWAL<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Investors that meet certain requirements and are subject to the regulations of the Reserve Bank of India can ask for premature withdrawal. Please note that the below mentioned conditions are to be followed in case of premature withdrawal-<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5220\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-300x125.jpg\" alt=\"Bajaj Finance ltd premature withdrawal conditions \" width=\"662\" height=\"276\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-300x125.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-1024x427.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-768x320.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-1170x488.jpg 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature-585x244.jpg 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/17031712\/premature.jpg 1340w\" sizes=\"(max-width: 662px) 100vw, 662px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FINANCIAL_OVERVIEW\"><\/span><strong>FINANCIAL OVERVIEW<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Snapshot stating the Net worth, Revenue, Expenditure, Total Debt and PAT-<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5238\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-1024x672.png\" alt=\"Bajaj Finance Ltd Snapshot stating the Net worth, Revenue, Expenditure, Total Debt and PAT \" width=\"462\" height=\"303\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-1024x672.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-300x197.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-768x504.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-1536x1008.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-1170x768.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1-585x384.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102059\/pat-1.png 1916w\" sizes=\"(max-width: 462px) 100vw, 462px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Financial Ratios-<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5237\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-1024x471.jpg\" alt=\"Financial Ratios for Bajaj Finance Ltd\" width=\"465\" height=\"214\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-1024x471.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-300x138.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-768x354.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-1536x707.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-2048x943.jpg 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-1170x539.jpg 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-1920x884.jpg 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/19102055\/Ratio-1-585x269.jpg 585w\" sizes=\"(max-width: 465px) 100vw, 465px\" \/><\/p>\n<h4 class=\"post-title single-post-title entry-title\" style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"CORPORATE_FIXED_DEPOSITS_A_PRIMER\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/corporate-fixed-deposits-101-a-primer\/?utm_source=blog&amp;utm_medium=blog&amp;utm_bajajfinlim\">CORPORATE FIXED DEPOSITS : A PRIMER!<\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"STRENGTHS_OF_THE_COMPANY\"><\/span><strong>STRENGTHS OF THE COMPANY<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Well_Diversified_NBFC\"><\/span><strong>Well Diversified NBFC<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the major NBFCs for retail asset finance in India, Bajaj Finance, continues to pursue a two-pronged approach to increase scale and maximise profit.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Strong_Capitalisation\"><\/span><strong>Strong Capitalisation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of March 31, 2022, the capitalization was strong, with a sizable standalone net worth of Rs. 42,056 crore and appropriate Tier-I capital ratios of 24.8% and 27.2%, respectively. The ability to absorb possible losses on its portfolio is improved by the solid capitalization; the adjusted net worth to net NPAs ratio was 34 times as of March 31, 2022\u00a0 (35 times as on March 31, 2021).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Growth_of_Assets_under_Management\"><\/span><strong>Growth of Assets under Management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Assets under management (AUM) increased to Rs. 146,743 crores as of March 31, 2022, up 27% year over year and 10% quarter over quarter. The expansion in consumer finance, commercial finance, and rural lending portfolios were the main contributors.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Robust_Earnings_profile\"><\/span><strong>Robust Earnings profile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A significant fraction of high-yield companies and competitive borrowing costs promote earnings. Lower provisioning costs of Rs. 4,622 crore compared to Rs. 5,721 crore in fiscal 2021 and an increase in reported total income (net-off interest expenses) of Rs. 20,298 crore in fiscal 2022 compared to Rs. 16,100 crore in fiscal 2021 have helped to strengthen the earnings profile.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Strong_expectation_of_support_from_the_Bajaj_Group\"><\/span><strong>Strong expectation of support from the Bajaj Group<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BFL is strategically significant to the Bajaj group, and its parent company, Bajaj Finserv, provides the company with substantial financial, administrative, and operational support. Additionally, it benefits from synergies from serving as Bajaj Auto Ltd.&#8217;s captive financier.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"LIQUIDITY_OUTLOOK\"><\/span><strong>LIQUIDITY OUTLOOK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The liquidity position of the company remains comfortable on a standalone basis. The total repayments of BFL as on 31 March 2022 is of Rs. 13,827 Cr which is supported by the monthly collection of Rs. 11,000 Cr, as well as cash and cash equivalents and unutilised working capital of Rs. 11,351 Cr excluding collections.<\/span><\/p>\n<h4 class=\"post-title single-post-title entry-title\" style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"How_are_Corporate_Fixed_Deposits_different_from_other_Debt_Instruments\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/how-are-corporate-fixed-deposits-different-from-other-debt-instruments\/?utm_source=blog&amp;utm_medium=blog&amp;utm_bajajfinlim\"><strong>How are Corporate Fixed Deposits different from other Debt Instruments?<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>ABOUT THE COMPANY A non-banking financial institution registered with the RBI, Bajaj Finance Ltd. accepts deposits. BFL was founded in 1987 and&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[24],"tags":[],"class_list":["post-5216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-market"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BAJAJ FINANCE LIMITED CORPORATE FIXED DEPOSIT - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"BAJAJ FINANCE LIMITED CORPORATE FIXED DEPOSIT\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BAJAJ FINANCE LIMITED CORPORATE FIXED DEPOSIT - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"BAJAJ FINANCE LIMITED CORPORATE FIXED DEPOSIT\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/bajaj-finance-limited-corporate-fixed-deposit\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:author\" content=\"goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-17T03:37:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T08:11:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/12\/26081059\/Bajaj-Finance-Corporate-Fixed-Deposit.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; 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