Background: Bajaj Finance, a subsidiary of Bajaj Finserv is a leading NBFC with INR 523bn Assets under Management. The AUM is diversified with 2-3 Consumer Finance 45%, SME business 39%, Commercial-12% & Rural -4%. Asset Quality is strong with Gross NPA - 1.58% & Net NPA - 0.43% with Prov Coverage at 73%. On liabilities, Banks, Money market and retail deposits for 38%, 54% & 8% respectively. Return ratios are very healthy in 2QFY17 with ROA at 0.8% & ROE at 5.1% (not...