Hi @parthiban91
The allocation is approximate mentioned above.
I still feel that it is strong franchise and is going through consolidation because of Jio finance entry.
Just like the large banks, Bajaj Finance has been able to reduce its cost to income ratio (from 45% to 35% over the past decade). However, as a relatively late entrant and with the handicap of not having a readymade customer base, Bajaj did this by creating a cross sell customer franchise which can be sold multiple products over and over again. Additionally, its performance-oriented culture has meant that 90%+ employees are on monthly/ quarterly target oriented variable pay thus linking a large part of costs directly to revenues.
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