Background: Bajaj Finance, a subsidiary of Bajaj Finserv is a leading NBFC with INR 280bn Assets under Management. The AUM is diversified with 2-3 Consumer Finance 38%, SME business 55%, Commercial- 6%. Asset Quality is strong with Gross NPA - 1.7% & Net NPA - 0.6% with Prov Coverage at 68%. On liabilities Banks & Debt markets account for 47% & 49% respectively. Return ratios are very healthy with FY15 ROA at 3.1% & ROE at 20.4%....