Make your next vacation affordable with the Bajaj Finserv EMI Network

Make your next vacation affordable with the Bajaj Finserv EMI Network

The festive season may be the perfect excuse to spend some quality time with your family on a much deserved vacation. And with the Bajaj Finserv EMI Network, you can make sure your next holiday does not burn a hole in your pocket. 

Simply book a vacation through a Bajaj Finserv partner and benefit from easy equated monthly instalments (EMIs). Not only do you get to divide the cost of your vacation into instalments without the burden of interest, but you can also win exciting prizes thanks to the ongoing Bajaj Finserv Sparkling Diwali sale!

Simply check out your pre-approved EMI limit and begin!

Book your holiday and get lucky

Book a holiday to your dream destination with MakeMyTrip, Cox & Kings, via.com, SOTC, Musafir.com and Thomas Cook between 21st September and 20th October 2017, for a chance to win a swanky car, stylish bikes, and gold vouchers!

Here are the prizes on offer during the Bajaj Finserv Sparkling Diwali sale:

  • 12 cars for the highest spenders during the offer period
  • 68 bikes for daily highest spenders
  • 615 gold vouchers other high spenders
  • Chance to 100% cashback on LG LED TVs
  • New customers can win a Rs.70,000 MakeMyTrip voucher every week
  • New customers also take home assured MakeMyTrip discount e-vouchers

Simply book your vacation with the Bajaj Finserv EMI Network for big offers and even bigger savings!

Why travel with the EMI Network?

With the Bajaj Finserv EMI Network, you don’t have to worry about the expenses of your holiday upfront. And this can be the difference between a domestic holiday and an exotic international vacation!

Upgrade your vacation plans and choose from an array of other benefits such as:

  • Easy EMI
  • Instant approval
  • Minimal documentation
  • Flexi tenor options

Book your next holiday and shop for your favourite products across 50 different categories at more than 43,000 partner stores. Get everything on EMI! Think it. Done with the Bajaj Finserv EMI Network.

Unlock your pre-approved EMI limit Find the latest deals

Redecorate your home and upgrade your wardrobe with the EMI Network

Redecorate your home and upgrade your wardrobe with the EMI Network

With the festive season upon us, now is a great time to redecorate your home and upgrade your wardrobe. Check out the best deals on furniture, clothes, accessories, and more with the Bajaj Finserv EMI Network.

This Diwali, find the best in furniture from @Home, Lifestyle Home Centre, Evok, Hometown and Urban Ladder between 21st September and 20th October 2017 and stand the chance to win cars, bikes, and gold vouchers.

You can also buy your favourite kurtas, lehengas, sarees, and other traditional wear on No Cost EMI! All you need to do is select the Bajaj Finserv EMI Network to make your payment.

And the best part, you can avail this and more even if you don’t own a Bajaj Finserv EMI Card! That’s right, simply discover your pre-approved EMI limit and start shopping.

Win cars, bikes, and gold

Bajaj Finserv EMI Network is offering a host of prizes for the highest spenders during the offer period. For the 12 highest spenders during the offer period, Bajaj Finserv is giving away 12 brand new cars! The top spenders of the day stand the chance to take home a flashy new bike –there are 68 of these to be won, while others can win one of 615 gold vouchers!

Plus, you can win up to 100% cashback when you purchase an LG LED TV.

New customers of Bajaj Finserv who qualify as the top spenders of the week can win a foreign travel voucher worth Rs.70,000 from MakeMyTrip. You can also get assured holiday discount vouchers with your purchase as well!
Also Read: This Diwali, shop for the latest electronics on easy EMI
Buy clothes, accessories, footwear, watches, handbags, and more to look your best this festive season. Redecorate your living room and bedroom with the latest furniture and bring in prosperity. Check out the best deals and offers on the Bajaj Finserv EMI Network.

The EMI Network: 1 million+ products. 50 different categories. 43,000+ partner stores. 950 + cities. Think it. Done with Bajaj Finserv.

Unlock your pre-approved offer Check out the best offers

How To Find Your Business Niche

How To Find Your Business Niche

Finding your business niche is your first step to success, as it addresses a gap in the market or caters to a specific need. It also gives consumers a clear and direct message about what you do-one that they are more likely to remember. You can take a niche approach in terms of your area of operation, the audience you cater to and even the platform you sell through.

Take a look at how you can find your business niche:

Explore Your Passions and Skills:

  • Start by making a list of what your passions and skills are. Then you can craft business ideas that match them.
  • If you start a business that you are passionate about, it will motivate you consistently and push you to achieve more.
  • When you put forth all your effort into a niche idea that you feel strongly about, you instantly boost your chances of making profits.

Conduct Market Research and See Where Your Idea Fits in:

  • Market research is important for the success of any business. It gives you needed data about the segment, the demand and the competitors operating within your chosen niche.
  • This will help you zero in on a target audience and help you define your USP better. It will also tell you if your niche has been explored by several other people and has lost its novelty value. If this happens, go back to step one and identify a new niche or think of a way to tweak your offerings.
  • You can also learn from how other businesses have performed in the same sphere. This will give you a head start and prevent you from making the same mistakes or learning valuable lessons.

Study Your Competition and See If You Can Offer Something Better:

  • Once you have narrowed down on your focus area after your initial market research, study your competition in detail.
  • See how their products are priced and marketed, and calculate how much of the market they are tapping into. Also see how much you will need to pay for related activities or services such as inventory costs and distributions costs. Consider how your competition pays for this.
  • Then consider your own offerings and think about whether you can offer your target audience something better than your competition. This may be in terms of lower pricing, a free product or service or a more evolved design.

Calculate Profitability in Your Chosen Segment:

  • While it is admirable to follow your passion, a business must result in profits too.
  • Study the various costs attached with the product or service you are thinking of providing. This will help you understand if it a viable proposition.
  • Make note of the laws and market forces that can affect your business’ bottom line and also pay attention to profits of similar firms.
  • You can identify profit patterns and take the necessary measures to ensure success for your SME.

Know That You Cannot Please Everyone and Test Your Business Idea:

  • A product or service is bound to receive positive, mixed or even negative reviews initially. Don’t forget that niche business is all about gaining profits from repetitive sales made by a set of loyal customers. So, take negative feedback in your stride and focus on the audience you’re catering to.
  • Before setting up shop, be sure to test your idea. This will give you valuable feedback and will allow you to eliminate any glitches. This way, when you start operations you will have less to worry about.
  • This activity will also increase transparency and build trust with customers.

Once you find your niche, make sure you arrange convenient and affordable means of business finance. Grow your business with a Business Loan from Bajaj Finserv. This loan offers you various benefits like flexible tenor, line of credit and competitive interest rates.

Apply for Business Loan Online Check your Business Loan Eligibility

This Diwali, shop for the latest electronics on easy EMI

This Diwali, shop for the latest electronics on easy EMI

With Diwali around the corner, now is the best time to shop for the latest electronics. Shop across the Bajaj Finserv EMI Network, get the biggest offers and discounts on some of the best brands in the market, and stand the chance to win a host of prizes including cars, bikes, and gold!

Visit a partner store, choose your favourite products, select a tenor that works for you, and pay for it on easy EMI. And the best part? You can shop even if you don’t own a Bajaj Finserv EMI Card.

Simply discover your pre-approved EMI limit and start shopping today!

Loads of prizes to be won!

You can opt for easy EMI when you shop for the latest electronics and gadgets from Samsung, Sony, Vivo, LG Electronics, Oppo, Whirlpool, Lloyd Electric, Godrej, Panasonic, and more. The highest spenders over the offer period of 21st September to 20th October stand to win one of these amazing prizes:

  • 12 cars for the highest spenders
  • 68 bikes
  • 615 gold vouchers
  • Up to 100% cashback on LG LED TVs

New customers are also eligible for the following rewards:

  • MakeMyTrip foreign travel vouchers worth Rs.70,000 to be won
  • Assured MakeMyTrip discount e-vouchers during the promo period

You can avail the above offers on many home and kitchen appliances and gadgets. From the latest televisions to refrigerators, ACs, washing machines, laptops, smartphones, smartwatches, tablets, microwaves, dishwashers, and more, everything is available on easy EMI this Diwali.

Pay with ease using Bajaj Finserv EMI Network

The Bajaj Finserv EMI Network works like pre-approved loan. All you need to do to get your appliance is to choose your product and select an EMI plan. Next, you swipe your card and get an instant approval. The only pre-condition is that the swipe amount must not be greater than the available credit limit.

Why Bajaj Finserv EMI Network?

The benefit of the Bajaj Finserv EMI Network is that you can convert your bill into easy EMI. And unlike other products, there is no extra interest charged on the EMI. Plus, there’s minimal documentation. You also get the benefit of flexible tenors and zero prepayment/foreclosure charges.

Bottom line

Why wait till the next sale when you can click pictures with your new smart phone this festive season! There are 1 million+ products from 50 different categories on offer at more than 43,000 partner stores across 950 + cities. This Diwali, make your shopping both fun and satisfying with India’s fastest growing EMI network. Think it. Done with Bajaj Finserv.

Unlock your pre-approved offer Check out the best offers

Tips on Making Prudent Investments After Retirement

While you may have saved money before retirement, investing it correctly after retirement helps manage your finances efficiently, so you can enjoy the same standard of living as you were before. The returns from investments can be used to pay for your living expenses, your family’s expenses, and perhaps even pending responsibilities like your child’s or grandchild’s education. Banks, financial institutions, and the government have all come up with numerous schemes that can help you finance your retirement better. Some of these include fixed deposit schemes, senior citizen saving scheme, post office monthly income scheme and mutual funds.

Investment Options that are Beneficial for You Post Retirement

Before choosing one or even multiple investment options, it is important to conduct detailed research of the various available schemes, and then determine what it is you want from them. While some offer high returns, others keep your savings safe. If you are investing post retirement, it is best to keep your risk at the lowest and divide your investments among the options that give you liquidity, tax savings, and good returns.

fd apply

When making a final decision, you can choose the best investment option for yourself from these top schemes for senior citizens:

  1. Fixed Deposits:

    Most risk-averse investors prefer fixed deposits over other forms of investment. This is because FDs offer growth for your savings while keeping them absolutely safe and sound. They deliver steady and fixed returns over your chosen tenor. The interest rate on FDs for senior citizens is also usually higher. Bajaj Finance, for example, offers its senior citizen customers up to 8.10% interest depending on the fixed deposit scheme selected. Not only do FDs offer a range of financial gains, they are also free from market fluctuations, making them a risk-free investment. There are numerous schemes for FDs that you can choose from, like recurring fixed deposits, cumulative deposits, and non-cumulative deposits.

  1. Senior Citizen Savings Scheme:

    The Government of India has created a personalized option of investment for senior citizens seeking retirement income. Called the Senior Citizen Savings Scheme, this offers its investors high interest returns of up to 9.2%. In this scheme, investors can deposit a maximum amount of Rs.15 lakh and is ideal for customers aged 60 years and above.

  1. Post Office Monthly Income Scheme:

    This scheme offers its investors an interest rate of almost 8.5%. It was designed for senior citizens and is sponsored by the Indian Post Office. This scheme helps the investor receive a steady monthly income, and involves investing money over a period of 6 years with a maximum investment of Rs.4.5 lakh. The returns from this option are taxed based on the income bracket of the investor.

  1. Mutual Funds:

    With a bit of research and study, you can mitigate the risks associated with mutual funds and get high returns as well as tax deductions on your investment. Check the asset manager and the fund’s performance over the last few years to judge its safety and invest in equity via this option. It is important to note that mutual funds rise and fall with market fluctuations that can be unpredictable, which makes them a slightly riskier option to invest in.

Any or all of the above choices could be ideal for a retiring investor, but it is important to keep in mind that while selecting an option, you should carefully examine the terms and conditions attached with every investment scheme. This will give you an idea of what you are entitled to and the rules binding your investment.

When looking for the right financial company to entrust your post-retirements savings with, consider Bajaj Finance. It offers high interest on FDs and more safety on its mutual funds to give you the best returns.

Know About Senior Citizen FD

Invest in Fixed fixed-deposit

Wise Investment Options for Retired People

Narayan Verma worked as a manager in a packaging company and knew with each passing day that his retirement was close. However, Narayan had a family along with two grandchildren to support. As a result, he needed to find an option that would secure their future. After a lot of research and numerous discussions with his employers, well-wishers, and mentors, he came to the conclusion that he had to find a suitable investment scheme that could financially secure life after retirement for his family and himself. He decided to meet with his chartered accountant and get an estimate of his savings. After an in-depth look at his finances, he invested in a fixed deposit, apart from signing up for an insurance policy.

fd apply

Today, Narayan receives monthly interest on his fixed deposit and pays all his expenses with his own income. Additionally, the insurance policy will give a fixed amount of money to his family in the event of his demise and safeguard their future.

If you are seeking retirement, you can easily follow Narayan’s example and secure both your and your loved ones’ futures. When it comes to investments, there are numerous options to choose from like fixed deposit, senior citizen savings scheme, mutual funds and many more.

Various Options Suitable for Retirees

  1. POMIS: The Post Office Monthly Income Scheme works on a monthly income basis. You can invest any given sum and gain up to 8.5% in the form of periodic returns. The tenor is a fixed period of 6 years. The maximum amount that you can invest is Rs.4.5 lakh. The returns from this option are taxed based on the income bracket of the investor.
  2. Mutual Funds: This option is ideal for investors who know how to deal in equity and have a healthy appetite for risks. As a retiree you can invest a lump sum or adopt an SIP approach to invest in mutual funds and gain high returns. It is important to check the ratings of the asset manager of your mutual fund and do some research before you invest, since these are affected by market ups and downs.
  3. Company FDs: Steady interest rates, smooth growth, and optimal safety are some of the major benefits offered by fixed deposit schemes. It is remarkably easy to take a sum of money and invest it in an FD, and benefit from high FD interest rates that are fixed. The normal rates of interest range from 7% to 8.30%; with senior citizens getting the highest rates of interest. FDs with longer tenors offer increased maturity for your savings while those with shorter tenors offer more flexibility and quick returns.
  4. SCSS: The Senior Citizen Savings Scheme is designed exclusively for senior citizens and retired investors. If you invest in this scheme, you can benefit by earning interest up to 9.2%. In this scheme, investors can invest an amount of up to a maximum of Rs.15 lakh.
  5. National Savings Certificate: An exceptional idea is to invest a recurring amount on a monthly basis and make it grow over a period, which is exactly what the NSC does. It involves investing a minor sum of at least Rs.100 on a monthly basis and gaining interest. After 5-6 years the amount matures and can be withdrawn.

All of these options are ideal for retiring or retired investors as they are mostly low risk and can protect your earnings.

Get the most rewarding investment options with Bajaj Finance, which offers FDs at attractive rates of interest for senior citizens with liquidity, easy application and flexible interest pay-outs.

Know About Senior Citizen FD

Invest in Fixed Deposit

5 Best Upcoming Smartphones to Watch Out for in 2017

5 Best Upcoming Smartphones to Watch Out for in 2017

The year 2017 may be past its halfway mark, but tech lovers still have a lot to look forward to in terms of upcoming Smartphones in India. So far, Smartphones launched this year have been celebrated for their full-screen displays containing minimal bezels to impart an elegantly modern look. Advanced facial recognition systems, professional-grade cameras, and fingerprint sensors on the screen itself have also been introduced in many models this year. Most of the Smartphone reviews of 2017’s models have been favourable, even though their prices may seem a bit steep. If you are a true tech enthusiast, however, a high price tag should never keep you from purchasing your favourite Smartphone, especially now that the Bajaj Finserv EMI Store offers the best gadgets on No-Cost EMI.

With the EMI Store offering tons of advantages to make your purchase convenient and quick, your decision to buy these 5 highly-anticipated flagship Smartphones in 2017 has become easier than ever. Take a look at the best in mobile advancement:

  1. iPhone 8

iPhone’s 10-year anniversary will coincide with the announcement of iPhone 8, the iPhone 8S, and the much anticipated iPhone X, which is expected to revolutionize the way we think of and use an iPhone. Rumours suggest about this Apple Smartphone is that it will include a full-screen display, wireless charging, 60 FPS front camera, and a 3D facial recognition system. Tech specialists claim its price to exceed Rs.63,000.

  1. LG V30

After G5’s dull performance, LG Smartphones were out of the competition until G6 brought it back in the game! Now, with the V30, LG plans to capture the Smartphone market by introducing a more advanced version of the G6. It will probably sport a Snapdragon 835 chipset, a bigger OLED FullVision display, an improved dual camera, a Bang & Olufsen audio, and a longer-lasting battery. All this for a probable price of Rs.48,000.

  1. Google Pixel 2

After the developer-focused Nexus was replaced by Pixel, Google made an admirable entry into the premium Smartphone segment. That’s why a lot rests on the shoulders of Pixel 2 and Pixel XL 2. Pixel 2 by HTC is expected to have a display with slimmer bezels, Edge Sense, and a single lens camera. The phone with a 6 GB RAM, 13 MP primary camera and 3,000 mAh fast-charging battery carries a price that is expected to be a little below Rs.50,000.

  1. Samsung Galaxy Note 8

Trying to make up for the disaster that was the Galaxy Note 7 will be difficult, but Samsung definitely has the means to make it happen. Note 8 will continue with the S8’s Infinity Display, adding an improved S Pen. It may also debut with a dual-rear camera, which is new for Samsung Smartphones. With a hefty price tag of Rs.80,000 approximately, buying this Samsung Smartphone on No-Cost EMI is something you can certainly look forward to!

  1. Nokia 8

Unwilling to get beaten by newer entrants, Nokia is making a genuine effort to provide a quality Smartphone experience. Nokia 8 will be equipped with a Snapdragon 835 chipset, 4GB RAM, and 64GB storage. Carl Zeiss, a highly-regarded name for Smartphone camera optics, will return for Nokia 8 along with a new dual camera setup. Leaks suggest it looks more similar to OnePlus 5 than the Galaxy S8, which suggests a better build quality. The expected price for the device is Rs.45,000.

Looking forward to buying one of these amazing devices? Make it happen with the greatest convenience through Bajaj Finserv’s EMI Store, which offers advantages such as:

  • Best prices

Buying a newly-launched Smartphone could put a dent in your monthly expenses. Tackle this by buying it on No-Cost EMI from the EMI Store. It offers all the latest Smartphones, from the Oppo A37F 16GB to the Google Pixel, at the best prices.

  • Delivery straight to your door

Not only does buying from the EMI Store entitle you to doorstep delivery, it also provides the fastest possible delivery times due to the hyperlocal Bajaj Finserv EMI Network. You can get your hands on the product in just 24 hours of placing the order!

  • No documentation

If you are an existing customer, Bajaj Finserv makes sure you do not have to go through the tedious documentation process by granting instant approval, and skipping the need for any more paperwork!

Begin your rewarding journey with the EMI Store, and avail the best deals on the latest Smartphones on no cost EMIs.

Which are the Top 5 AC Brands in India?

Which are the Top 5 AC Brands in India?

Air conditioners are an indispensable appliance if you live in a place that is hot and uncomfortable all year round. But, before purchasing an AC, be sure to consider factors like weather, price and capacity. Depending on your cooling needs you can choose from different kinds of air conditioners such as a split AC, inverter split AC or window AC. It is also important to opt for leading AC brands like Voltas, Hitachi and General. Purchasing an AC from a well-reputed brand ensures you get an efficient product and good after-sales service. Certain brands also provide various innovative features like anti-dust filters and anti-bacteria filters.

Here’s a look at the Top AC Brands in India:

Hitachi

  • This Japanese air conditioner brand is known for its constant innovation in air conditioning design.
  • It offers air conditioners customised to suit various weather conditions.
  • Hitachi offers both split and window air conditioners.
  • The brand has pioneered special Auto Climate Technology and Twin Motor Technology for uniform cooling.
  • Moreover, these air conditioners’ anti-bacterial filters guard you and your family from respiratory conditions.

General

  • The brand also has to its credit various features created specially for air conditioners. These include jet cooling, deodorizing and No-Sound Technology for ACs that take away odours from the room and work soundlessly.
  • General is also known to provide a one-year warranty on most of its products. Moreover, it offers a five-year warranty on the compressor.

Mitsubishi

  • This brand is known to offer better cooling, low power consumption and longer AC life.
  • Mitsubishi manufactures both split and window ACs for you to choose from.
  • These air conditioners also feature Auto Climate Technology and silent cooling, where the AC is able to adjust the air conditioning to suit the climatic of your environment automatically.

Voltas

  • Voltas is one of the leading AC brands that also makes excellent refrigerators.
  • This company produces ACs for diverse customer profiles, making their products ideal for both domestic and commercial use. Air conditioners offered by Voltas include window ACs, cassette ACs, split ACs and slimline ACs.
  • The brand is also known for its excellent customer service.
  • Compared to other brands, Voltas also offers better warranty on its air conditioners. As a result, you can benefit from convenient maintenance and servicing.

Blue Star

  • This brand is known for its high-grade air conditioners. With technologies like Anti-Corrosive Copper Condenser, dust-filter and Active Carbon Filter, Blue Star is a great high-end option.
  • Air conditioners manufactured by this company offer superior performance when it comes to power efficiency.
  • Their ACs also feature a high rating from the Bureau of Energy Efficiency. So if you’re looking for air conditioners that lower your electricity bills, Blue Star is a good option for you.

Now that you know the best brands of air conditioners, it’s time to plan your purchase from the best place. Check out the Bajaj Finserv EMI Store!

Get doorstep delivery within 24 hours, No Cost EMI, and pre-approved offers on not just ACs, but TVs, laptops, smartphones, and more. Explore the EMI Store today.

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