Buy Antique Look Furniture

Reinvent the Look of your Home with EMI-Financed Antique Furniture

Interior design and antique furnishing go hand in hand. Bring home some old-world charm to your dwelling by upgrading it with antique furniture.

If you think antique furniture can make your home look too old, try mixing and matching it with contemporary furniture. Many people are also open to subjecting their bedroom’s mood to dynamic period styles and bringing in a unique element of personality. In cases where money proves to be a little tight, EMI financing serves as the ideal solution.

Let’s take a peek into this rising trend of modern furnishing with antique-looking designs and see why you should consider buying now and paying later.

Why Go Antique?

Antique furniture lend a rustic touch and an earthy charm to your room instantly. Though many modern furniture incorporate an element of antique design, they still don’t match up to the elegant vibe of an antique piece. They can serve more purpose than just being a statement piece for the room. You can go with furniture like wardrobes, cabinets, tables, and other pieces that increase your storage area. Use antique sofas to upgrade your entertainment area and increase its edginess.

If you’re not entirely comfortable going with antique furnishings, you can mix it with contemporary pieces to project your individualistic taste.

Once you decide antique is the way you want to go, you move on to checking how you can pay for it all. If your savings is not up to bearing the expenses, you will need to look at your options, like EMI financing.

How can you Finance it?

While finding these antique treasures may not be as daunting as you think it is, financing it can paint a whole other picture. If you’re someone who takes home decor seriously and consider it a reflection of your true self, you don’t want to leave any stone unturned when it comes to financing the purchase.

No matter how charming these furniture are, they will still be an expensive splurge that can break your bank.

So, instead of draining your savings, you should consider all your financing alternatives. One financing method that has gained popularity due to its easy application process and lower interest rates, when compared to credit cards, is the EMI. If you opt to fund your purchase with an EMI Card from Bajaj Finserv, you can pay easy monthly installments over a stipulated period of time, allowing you to take home your precious finds as soon as possible.

Why EMI Financing has Grown in Popularity

The advantages that come tied to EMI financing are what has fueled its growth among the masses.
Some of these benefits are:

  • Easy to repay As EMIs are relatively low instalments that are paid over a certain timeframe, these expenses are easier to factor into a budget.
  • Come with low interest rate Unlike Personal Loans or Home Loans, EMI financing come with a significantly lower interest rate. This aids in the affordability of this financial option.
  • Allow customers access to otherwise inaccessible products With the option to buy now and pay later, EMI financing lets you purchase products that otherwise would have been deemed too expensive to add your assets. By opting for an EMI option, and an EMI Card, you open the doors to a whole new realm of shopping experiences.

Keep these pointers in mind when giving your home an antique touch. Also, don’t forget to always buy your furniture from reliable sources, even if you are using your EMI Card.

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PL Flash Sale

The big flash sale on personal loans from Bajaj Finserv is here

 

A Personal Loan and Personal Line of Credit can come in handy when you need instant money. Be it to manage a medical emergency, to plan a vacation, to finance higher education, your dream wedding, or anything else, these unsecured loans are a source of instant financing over flexible tenors.

And Bajaj Finserv, one of the most diversified non-banking financial companies (NBFCs) in India, brings to you a limited time offer on its Personal Loan and Line of Credit products. Avail a Personal Loan from Bajaj Finserv between 29th August to 4th September  and get assured gift vouchers up to Rs.14,000 on loans up to Rs. 25 lakh .

Line of Credit Facility Available

Along with a Personal Loan and this exclusive offer, Bajaj Finserv also offers a Line of Credit facility. A personal line of credit is a unique credit facility allocated to individuals for a specified amount. The person borrowing the amount is free to withdraw any amount of money from within the allowed limit. The distinguishing feature of this however, is the fact that you only have to pay interest on the amount you withdraw. While this interest is payable every month, the total amount withdrawn has to be repaid at the end of the chosen tenor of the facility.

Check your Eligibility and EMI

Before you apply for a Personal Loan, you can check your eligibility for the Personal Loan by putting in basic information such as your income, employer, date of birth, etc. in our Personal Loan Eligibility Calculator.

Once you know you are eligible, calculate your probable EMI to get a better idea of what to expect.

Instant approval

Bajaj Finserv approves loan applications instantaneously. Post approval, the loan amount is disbursed to your account in as little as 48 hours. All you have to do is apply for one on the website, show that you meet our eligibility criteria and get your application approved.

To further sweeten the deal, Bajaj Finserv is also offering you a number of exciting gifts.

Vouchers with every Personal Loan

Bajaj Finserv is offering you airline vouchers, cash cards as well as shopping vouchers worth up to Rs.14,000 on every Personal Loan or Line of Credit.

Remember the dates, apply between 29th August to 4th September and fulfil your financial needs. Simply log on to the Bajaj Finserv and apply!

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

A bias for agility

How companies can stay agile

Human resources: How companies can stay agile

A walk through on how agility can be the deciding factor behind organizational success & how to achieve it at both personal & business level.

This is an era of disruption. New technology or a process is changing the way we work. A number of businesses are getting started every day to solve some problem or the other.

The impact on businesses is significant. Managing human resources becomes a challenge when prospects outside a traditional workplace get more & more attractive.

According to a 2015 survey by Aon Hewitt earlier this year, one in every five employees moved on to seek better opportunities in the services sector in 2015. This is reflected in the steadily elevated attrition rate staying elevated. When economic prospects look good, people tend to go forth & grab them.

For organizations, managing these needs of the people is a key imperative. This requires agility on the part of the company and a pro-active approach. While the business agility is an aspect that takes care of disruptions or challenges on the business side, organizational agility helps look after challenges to internal processes.

Growth within company

At a time when opportunities open up within the company, businesses need to offer a chance to existing employees. It does not matter what role they are in right now. Those employees who have finished a specific period in one position should always be encouraged to look at new opportunities within the organization.

A method we use involves opening up the position for hire to existing employees across departments. Employees interested apply for the position irrespective of their existing experience or skill set. It is compulsory for the hiring manager to interview internal employees. If they are rejected, The hiring manager needs to give strong reasons to reject such applications, if at all.

Impactful steps

The result of this method of hiring is several-fold. Employees can look forward to a different path for growth. If not selected, they know the exact reasons why not they cannot be hired for that position. This allows them to either work on skills needed for that position or look forward to another posting within the company.

For the company, this is a good way to engage existing employees and figure them out for hidden talent. Many of our employees have grown laterally and are gaining career-shaping experiences.

Lateral moves

Anant Pal Singh Gill joined the company to lead brand, digital marketing, and communication. He is a seasoned advertising professional. He worked on shaping up the communication and brand strategy for Bajaj Finserv. After spending 3 years, he moved on over to the business side. He worked on the retail equated monthly installment or EMI project. Anant now heads customer activation, retention, and usage for sales.

Do you think these strategies are effective? Share your views in the comments.

Personal Loan From Bajaj Finserv

6 Reasons Why You Should Get a Personal Loan From Bajaj Finserv


Go on a dream vacation or have a destination wedding without breaking the bank, simply apply for a Personal Loan. A Personal Loan might help you cover all your immediate expenses as well as consolidate all your credit card debt.

Although, Personal Loans are the most sought after loans, applying for one can prove to be a hassle. Of all the other available options, the best and the most convenient are the one’s available online.

Following are seven reasons why Bajaj Finserv’s Personal Loan is the best option:

  1. Instant Online Approvals
    Applying for a Personal Loan is synonymous with questions on eligibility, approvals and waiting on disbursals. Bajaj Finserv is the only financial institution which provides end to end online Personal Loan solutions, from approval to disbursal. Get instant approval in 3 minutes and disbursals within 72 hours, through our online facility. From wherever you are, simply log onto the online section, fill an online form and within 90 seconds, get approval on your application. It’s as simple as 1, 2 and 3. Click here to apply Personal Loan online.
  2. Part Prepayment facility
    At times you may have spare cash and it would make sense for you to pay part of your Personal Loan. Bajaj Finserv not only allows you to prepay up to 6 times in a year but also lets you do it without any fees or charges. Check your Personal Loan part prepayment here.
  3. Loans up to Rs.25 lacs
    Your bold dreams require big means. Bajaj Finserv offers Personal Loans of up to Rs. 25 lacs, so that you can pursue bolder dreams.
  4. Flexi Loans An industry first, Flexi Loan facility allows an existing customer who has successfully foreclosed his/her Personal Loan to avail a Personal Loan with a click of a button. Bajaj Finserv firmly believes in a relationship that lasts a lifetime. Click here to know more about our Flexi Loans.
  5. Online Account Access
    Get all information about your loan like repayment track, interest certificate, payment schedule, etc through our digital customer portal. Just log in with your loan account number and access whatever information you want about your loan. You could also check the same through the mobile app. Click here to download the app.
  6. Preapproved Offers
    As an existing customer, you would periodically receive exclusive preapproved offers, which you can avail without any document submission.

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

LinkedIn Top Attractors list

Why talent development matters

One in every two professionals is worried about the bad work culture in their company. They are also equally worried about an unclear career growth path.

The latest Timesjobs survey is an eye-opener. It highlights worries we always thought mattered.

The findings reveal that more than two-thirds of them feel that their work never gets due recognition.

For those managing businesses, these are no good signs. Talent development has to be high up in the list of priorities for companies to succeed.

Here are pointers that explain why talent development matters:

1. Business continuity: India is witnessing a significant start up activity. A lot of new businesses are opening up job opportunities. This clearly means that some deserving people within your organization could get opportunities to further their careers. It is hard to stall the churn of employees beyond a limit when the economy booms. However, if you have a culture of talent development and pipeline of leadership, you will constantly produce people to take over responsibilities. This will ensure business continuity.

2. Future growth: A fast-changing business environment throws up challenges for the future growth. Any exercise on talent development has to be based on the road map of the future. Identifying future leaders, engaging them in a meaningful way to prepare for future roles are important.

3. Retaining talent: Employees need to see a future career path. They need an environment that lets them be. A work place that lets people express themselves and also question the status quo. In a recent Linkedin survey ‘Top 25 Attractors India 2016’, Bajaj Finserv scored high due to the ability to attract and retain talent. There are three fundamental parameters of rating. These include job applications, engagement, and new hire staying power. We scored high on all counts among companies in India.

4. Attracting talent: Good practices with employee talent development could go a long way in attracting talent. Young people are on the move. They not only seek compensation that suits their talent but also look for opportunities to excel. Leadership is about creating an environment where young people look forward to working for the business. At Bajaj Finserv, our ability to get new hires to stay longer was appreciated in the Linkedin Survey.

5. Engagement: A lot of data analytics used by human resources these days provides significant insights into the minds of modern employees. A key thing that worked for us was our ability to analyse this piece of information. A regular feedback mechanism, engaging employee events, 360-degree performance reviews, could reveal more on employee satisfaction than hurriedly conducted ‘employee satisfaction’ surveys at the end of the year.

Strategic Focus

5 ways to make ‘strategic focus’ work for your business

“The essence of a strategy is choosing what not to do.”, once said Michael Porter, a renowned Harvard management guru.

With possibilities galore, there is always a tendency to follow too many options for business growth. A strategic focus becomes paramount as a result. If not for a result-oriented approach to business strategy, companies would lose sight of their goal to grow.

Here are the five ways:

1. Identifying competency: To begin with, identify things a business in your sector can do. Take a look at its strength. You must let go things that you cannot do & pick those you can do the best instead. Easier said than done if you are an existing conglomerate or a large business house, right? In non-banking finance, infrastructure financing is a high-value business. There are many other forms of lending a non-banking finance company can get into. For instance, we chose to focus on retail finance.

2. Technology: Once you identify your competitive strength, pick a technology that will let you get to your customer faster. Use it to make your service efficient. A strategic focus will ensure that you will extract the right solution needed from the technology prowess that you build.

3.Innovation: The next thing to work on is innovation. You got to differentiate your product or service. There is no other way you can stand in the fiercely competitive world. The innovation could be either through unique features of the offering or solving a major problem. For example, in finance and banking sectors, the activity to fill up customer application forms, maintain and verify records and approve loans each time you buy something slows the whole process. We took this head-on with a retail EMI card. The customer gets a pre-approved loan amount and can buy multiple things up to that level on EMI.

4. Disruption: When you innovate, you disrupt existing markets for products or services. When you use technology actively, you disrupt the standards of productivity and lift them. Every time you do something, you must question. Is this the best way to do a particular thing? That leads to new solutions or products that could trigger disruption. While nobody starts with a plan to disrupt the market, a strategic focus is a step towards it.

5. Focus on profit: Chasing growth is good but it needs to be a profitable one too. You cannot only focus on revenue and forget about profits. You got to set goals at all levels and ensure that a result-oriented approach is the only way forward. Any action has to have a goal. For business, it has to be profit. It cannot be sacrificed for a faster growth that ends up putting a strain on company resources. At Bajaj Finance, this is a mantra we follow from the word ‘go’.

We would love to know your point of view on this article. What according to you are the ways to make ‘strategic focus’ work for your business?

Excelsior

3 core competencies that define Excelsior – Way for Recognizing and rewarding talent at Bajaj Finserv

Outside of the profit it earns, an organization’s worth is judged by the employees it retains and the work culture it fosters. Without proper training and development, the employees start slagging, which is bound to affect any company’s growth and profit-earning capacity.

At Bajaj Finserv, we lay due emphasis on core competencies like talent development, agility, and result orientation, with the aim of developing the core skills of our employees and offering them a platform to grow and flourish.

As a part of this initiative, we launched Excelsior, an event aimed at recognizing our excellent talent pool. But before delving into its details, let’s take a look at the core competencies that define our commitment towards developing our employees.

Nurturing talent

Talent development is important when it comes to making our employees recognize their full potential and pushing them to excel in their work. We nurture our employees in a way that they don’t settle for good but go for great. At Bajaj Finserv, we believe that ‘good work’ is only the first step towards excellence. Our employees are trained and motivated to always give in a hundred percent and push their horizons.

Our Chief – Human Resource, Group Learning Academy and Administration, Deepak Reddy, in his article titled ‘Some questions need to be asked more than they need to be answered’ highlighted the importance of talent development “Challenging yourself and people you employ needs to be a constant process.”

Encouraging agility

Agile employees quickly adapt to new routines without it hampering their efficiency and skill sets. They can analyze a problem quickly and do whatever it takes to fix it. Our employees are trained to be quick on their feet so that they’re always ready to take on new challenges and understand the latest market trends. Since, our products are directly affected by the financial market, it’s important that our employees can quickly understand the changes and convey the same to our valued customers.

Emphasizing on result orientation

At Bajaj Finserv, we take results very seriously, because at the end of the day, results are a measure of our success. Result orientation is an important competency skill and we train our employees in a way that they understand which results matter and how to achieve them. We also help our employees identify resources that can be utilized for achieving these results successfully.

How Excelsior started and what is its purpose?

Excelsior was started in the year 2011 to reward our employees who have excelled in the above-mentioned core competency areas. Our organization recognizes employees who adopt our company’s motto to always ‘Do more, earn more’ by including them in the Excelsior league.

Every year, we organize this event to recognize and promote employees who have given in their best in achieving results and have shown great agility. This year, too, the ceremony was held at the Hyatt Regency to honour such employees who have made Bajaj Finserv one of the leading financial institutions of the country.

Owing to our great organizational culture and the performance of our employees, Bajaj Finserv has found a place in the top 25 workplaces in Asia. And, with our continued efforts of encouraging our employees and giving them an environment to grow, we hope to come to the top of that list soon.

We would love to feature your point of views in this article. What according to you are the ways to recognize and reward talent in the company?

Town Hall

5 things about Townhall meetings

As an employee, you may think your company either does too many of the ‘Townhall’ meetings or too few. As someone who leads a company, you may think about issues like the frequency of “Townhall’ meetings or just how much information you should reveal to all.

Here are 5 things we would like to share from our experience that you may find useful:

1. What to talk: Employees would be interested in knowing about future prospects of the business. The company would like to talk to them about future business targets they got to work with. While many such meetings focus on the big picture in many companies, it is a good idea to tell it like it is. There is no reason to mask any bad performance or exaggerate success here. The idea is to align employees to the company’s strategic interest. You need to ensure that everyone in the team is aware of challenges that lie ahead.

2. How much: In the short duration of the meeting, it is not possible to do it all. It may be a good idea to give quick functional updates on human resource initiatives besides the financial performance. An important point to note is that employees are interested in action like as managers we are too. Hence, a quick update on announcements made in the previous meeting and their delivery status would be welcome.

3. Why Town hall: Very few people like surprises at the work place. Very often, businesses hold Townhalls for special occasions or during crisis. But just like shareholders, employees are stakeholders who are hungry for information on business prospects. Their future depends on that and your future depends on them. It is a good idea to institutionalise the information flow. As a company, it will set standards and expectations among employees.

4. Rewards and recognition: Praise in public but reprimand in private is a famous management mantra. This is an important aspect of employee motivation. Many employees are motivated to do well after looking at other achievers. Yes, good performance rewarded can actually rub off and spread among employees. Make it an event that people in your company would look forward to.

5. Engagement: It is a good idea to prepare well for the meeting. Ahead of the meeting, you may take queries from employees for the senior management. Employees can choose to stay anonymous. Encourage all employees to ask difficult questions. While it is not possible to incorporate all of them, you may want to figure out a way to bucket them. Every company will have own way of doing it. At Bajaj Finance, our employment surveys have consistently suggested that people look forward to our quarterly event ‘Confluence’. There is something right happening in terms of engagement then.

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