Background: Bajaj Finance, a subsidiary of Bajaj Finserv is a leading NBFC with INR 602bn Assets under Management. The AUM is diversified with 2-3 Consumer Finance 45.1%, SME business 36.7%, Commercial-13.1% & Rural- 5.1%. Asset Quality is strong with Gross NPA - 1.68% & Net NPA - 0.44% with Prov Coverage at 74%. On liabilities, Banks, Money market and retail deposits for 35%, 57% & 8% respectively. Return ratios are very healthy in 4QFY17 with ROA at 0.8% & ROE at...