Bajaj Finance (BFL) is one of the leading asset finance NBFCs. The USP of BFL is its stronghold in the consumer durable (CD) & lifestyle product financing business (~15% of the AUM). Further, it has a diversified loan portfolio with five heads viz. consumer finance (39% of loans), SME (33%) commercial (12.9%), rural (7.2%) and mortgage (7.8%). Such diversity has given BFL an edge in terms of AUM growth (>40% CAGR to | 60194 crore in FY11-17) and asset quality with steady 1.2-1.6% GNPA in the past three years). PAT rose 40% CAGR in FY11-18 to | 2646 crore (old GAAP)....