Background: Bajaj Finance, a subsidiary of Bajaj Finserv is a leading NBFC with INR 434bn Assets under Management. The AUM is diversified with 2-3 Consumer Finance 42%, SME business 44%, Commercial-11%. Asset Quality is strong with Gross NPA - 1.3% & Net NPA - 0.6% with Prov Coverage at 80%. On liabilities Banks & Debt markets account for 47% & 47% respectively. Return ratios are very healthy with FY15 ROA at 3.1% & ROE at 20.4%....