Bajaj Auto’s Subsidiary Receives RBI Approval for NBFC Operations

Bajaj Auto’s subsidiary, Bajaj Auto Consumer Finance, has received regulatory approval from the Reserve Bank of India (RBI) to commence its non-banking financial institution (NBFC) operations. This significant development allows the company to expand its financial services without accepting public deposits.

Approval Received on August 31, 2023

The certificate of registration from RBI, permitting Bajaj Auto Consumer Finance to operate as an NBFC, was issued on August 31, 2023, and marked a pivotal moment for the company.

Application to RBI for NBFC License

Bajaj Auto made the formal application to the Reserve Bank of India for an NBFC license on July 9 of the same year, seeking the regulatory green light to diversify its financial operations.

Key Details of the Certificate

Bajaj Auto’s communication on the matter outlined key details of the certificate:

  • Certificate of Registration issued under section 45-IA of the Reserve Bank of India Act, 1934.
  • The company is authorized to carry on the business of a non-banking financial institution.
  • The license is subject to specific conditions stipulated in the certificate.

Disclaimer by RBI

While granting the license, the RBI included a disclaimer that emphasized its non-involvement in endorsing the financial soundness of the company or verifying the accuracy of the company’s statements, representations, or opinions. The RBI also disclaimed any responsibility for the company’s liability.

Background: Setting up Bajaj Auto Consumer Finance

Bajaj Auto had previously announced the establishment of Bajaj Auto Consumer Finance, a wholly-owned subsidiary, in 2021. The subsidiary’s primary mission is to provide financing exclusively for products manufactured by Bajaj Auto.

Strong Financial Performance

In the first quarter of FY24, Bajaj Auto reported a robust profit after tax (PAT) of Rs 1,665 crore, representing a remarkable 42 percent increase compared to the corresponding quarter in the previous year. This financial strength positions the company favorably for its foray into the NBFC sector.

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Piyush Shukla

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