Bajaj finserv is a holding company which is also investing into new capabilities. They can reach almost all of Indias households because of their financial services in Bajaj finance and Bajaj housing finance. They also provide insurance and investments solutions. Their emerging business are Bajaj Housing Finance which provides loans like home loans, loans to developers, and loans for commercial properties. Next is Bajaj Financial Securities which is a digital broking app for retail and HNI investors. Bajaj finserv direct which is their marketing app and how they attract people to their business. Next Bajaj finserv Health which connects customers to hospitals doctors and things like that while also providing claim management services. They also acquired a healthcare company. Their last emerging business is their AMC which is now the 27 out 44 largest AMC. Their large business include Bajaj Finance Limited which had good growth for their AUM which grew by 34 percent while their customer franchise grew by 21 percent. For Bajaj Allianz General Insurance their gross written premium grew by 33 percent and they have the highest solvency rate. Their life insurance also has the highest solvency ratio and a market share of 5.8 percent. Lastly Bajaj finserv has reached all time high revenue and pat. They have more then 330 finance solutions and more then 230 million customers served. They also have close to 200000 distribution points. They are also adopting gen ai and new tech to make financial transactions and business easier. Bajaj finserv financial service includes child plans home plans consumer durable loans, travel insurance, and many more. They have 8 businesses which is Financing, Banking deposits which is Bajaj finance. Protection which is their general insurance. Life goals which is their life insurance. Digital finance market place which is their Bajaj finance direct. Home finance which is their Bajaj housing. Mutual funds which is their AMC. Health tech which is their Health business. Lastly stock broking. BFS has a crucial role in all this as it own majority of the shares of all the companies listed above and they help them in operations and improving profits and stuff like that. As they are a core investment company 90 percent of their net assets have to be in investments with 60 percent of that in equity markets. Despite turbulence in the global economy the Indian economy is the fastest growing one. FY24 was a very good year for insurance with a lot of investments and sales of cars. Also government schemes and health insurance schemes are expected to help insurance companies. Bajaj finance is one of Indias largest NBFC. It uses strategies of a bank to deliver growth across the urban and rural areas. It offers diversified financial services to a lot of customers. Bajaj Finance is present in 4145 locations in the country which shows how massive their reach is. They focus on 8 broad things which are consumer lending, personal loans, SME lending, commercial lending, loan against securities, rural lending, deposits, and partnerships and services. Bajaj housing finance was a wholly owned subsidiary of Bajaj finance and offers a complete suit of housing financing like home loans, loans against property, lease rental discounting, developer financing, and rural mortgages. Bajaj financial securities which is also a wholly owned subsidiary of Bajaj finance is a stock broking company. Most of their clients are either retail or HNI. Their products include DP services, broking, margin trading facility and financing for offers for sale. Their PAT grew by 7times from 8cr to 56cr. Their general insurance company is one of Indias leading general insurance company with them offering almost all types of insurances while they also participate in tenders from the government. Their general insurance company PAT was dropping till this year where it witnesses more then a 10 percent increase. For their life insurances they provide protection, wealth creation to retirement solutions and more. Their Bajaj finserv direct service operates under 2 different sectors which are Bajaj markets which is their marketing site and Bajaj tech services focuses on building digital first solution for BFSI businesses. Bajaj finserv health offers a lot of things like connect providers of healthcare to customers, and provide healthcare and claims management services. Their AMC started just 2 years ago but they are already 27 out of 44th in all AMC. Summary. Bajaj finserv is a holding company with majority stake in a lot of other Bajaj companies like Bajaj finance, health and more. Unlike most of the holding company they are also operating by helping their subsidiaries in their operations. They overlook and help them with a lot of stuff. Personal thoughts. The company is a very solid company that should see some growth because of all the new subsidiaries. They have a lot of upcoming business ventures and in a market that is volatile it should stay stable. They have a very good name in the financing market and the auto market which should help them build up their other sectors.