BAJAJ FINANCE LIMITED Fixed Deposit Standard Operating ... for FD Distributors Final.pdf · BAJAJ FINANCE LIMITED Fixed Deposit Standard Operating Procedure (SOP) for Distributors

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BAJAJ FINANCE LIMITED

Fixed Deposit

Standard Operating Procedure (SOP) for

Distributors

Date: January 6, 2014

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Sr. No. Section Page No.

1 Scheme Features 3

2 Locations 4

3 Application Forms & Collaterals 4

4 Application Process A. Sourcing B. Acknowledgement C. Acceptance

5

5 FD Booking & Issuance of Receipt 7

5 Depositor Life Cycle Events A. Interest Payment B. Premature Withdrawal C. FD Maturity D. FD Renewal E. TDS Process

8

6 Service Framework 11

7 Online Partner Portal : B2B A. What is B2B Framework? B. Benefits to Distribution Partners C. B2B Process Flow

12

8 Business and Commission Payout Calendar Cycle 21

9 Partner Engagement Contact Details 21

10 Fixed Deposit FAQ’s 22

Annexure 28-35

--End of Section--

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Standard Operating Procedure: BFL FD

The Bajaj Finance Limited (BFL) Distributor Standard

Operating Procedure (SOP) details the end to end

process applicable for managing the BFL Fixed

Deposit (FD) Program for the distributors.

The relationship with a distributor begins with a

simple ‘Distributor Empanelment Application Form’

detailing the terms and conditions of the

relationship. Based on the application form, BFL will

generate a unique code for the ‘distributor’ referred

to as distribution partner in the document. This code

will be the basis for the relationship with the

distribution partner.

The SOP details some of the salient features of the

FD program, the locations wherein BFL will accept

fixed deposits, the application process flow and the

life cycle events for the depositor. It also provides

the snapshot of the B2B framework, which enables

the partner to get anywhere access to real time

information of the application, the deposit, the

depositor and the location wise business done. B2B

helps ease servicing of depositors and enable the

distribution partner to provide Statement of

Accounts (SOA), TDS certificate, maturity intimation,

etc., through a seamless interface with BFL.

1. Bajaj Finance Limited (BFL) Fixed Deposits:

Scheme Features

A. Scheme Options

I. Non-cumulative Scheme

In a 'Non-cumulative’ Fixed deposit scheme, the interest is payable on a monthly, quarterly, half yearly and yearly basis. The scheme will be convenient for an individual who requires a periodical interest payout.

II. Cumulative Scheme

In a 'Cumulative’ Fixed deposit scheme, the interest is payable at the time of maturity along with the principal and is compounded annually. This scheme is suitable for an individual who does not require periodical

interest payment and acts as a money multiplier scheme.

B. Deposit Period

Five deposit periods as shown below:

I. 12 months II. 24 months

III. 36 months IV. 48 months and V. 60 months

A depositor has the option to select any period from the above deposit periods. For example, a depositor may choose a 36 month deposit with a quarterly interest payout option.

C. Minimum Deposit Value

I. Delhi and Mumbai – INR 150,000 II. Bangalore, Chennai, Hyderabad, Kolkata,

Ahmadabad & Pune – INR 100,000 III. Rest of India (BFL Branch Locations as per

annexure 1) – INR 100,000 (cumulative scheme) & INR 50,000 (non cumulative scheme)

D. Interest Payment

Interest on the deposit, upto the date of maturity, will be payable, from the date of the realization of cheque or in the case of RTGS / NEFT, the date of transfer to BFL's bank account, which would be considered as the ‘value date’. Interest on deposits placed under non-cumulative options shall be paid on fixed dates as given below: Monthly Option – Last date of each month Quarterly Option – June 30, September 30, December 31 and March 31 Half Yearly Option – September 30, March 31 Annual Option – March 31

E. Pre-Mature Withdrawal

As per RBI Regulations, premature withdrawal is not allowed before completion of three months from the date of deposit, except in case of death of depositor. No interest is payable in case of request for premature withdrawal after the expiry of three months but before six months from date of deposit. Interest, if any, which is already paid to the

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depositor in respect of the deposit which is pre-maturely withdrawn before 6 months from the date of deposit, will be deducted along with TDS from the principal amount of deposit and net amount of deposit will be paid to the depositor. In case of request for premature withdrawal after the expiry of six months and before maturity, the interest payable is 2% lower than the interest rate applicable for the period for which the deposit has run. Alternatively, if no rate has been specified for that period, then 3% lower than the minimum rate at which the public deposits are accepted by BFL.

F. Renewal and Repayment (Maturity of proceeds) of Deposit

BFL will send intimation to the depositor and their respective distribution partners, 2 months prior to the maturity date of the deposit. The Option of either renewal or repayment will be given to the depositor. The depositor will have a choice of renewing principal only, principal and interest or opting for repayment on maturity. In case, if a depositor does not request for the renewal of the deposit, 7 days prior to the maturity date, BFL will initiate the maturity process. The principal amount along with the accrued interest will be credited to the bank account of the depositor on or before the maturity date. Repayment of deposit will be done only through NEFT/RTGS/ECS, based on the mandate provided by the depositor in the application form. Only in case of rejection of NEFT/RTGS instructions, repayment will be done by cheque. When the date of maturity falls on a bank holiday, the repayment will be made on the prior working day.

G. Fixed Deposit Receipt BFL will send to the depositor, a physical receipt of the deposit within 2 weeks of booking of the fixed deposit.

H. Mode of Acceptance

Deposits can be made only by a payable at par Cheque with an exception of RTGS / NEFT for deposits exceeding INR 50 lacs.

I. Who can Apply a) Resident Individuals b) Hindu Undivided Family (HUF) c) Sole Proprietorship

d) Partnership Firms e) Companies including group companies f) Club, Association and Society g) Family Trust

J. Who Cannot Apply a) Foreign Citizens b) Person of Indian Origins (PIOs) c) Non Resident Indians (NRIs) d) Charitable Trusts

K. Terms & Conditions

Terms & conditions for acceptance of fixed deposits with respect to RBI guidelines have been detailed in the deposit application form.

2. Location of FD Acceptance

BFL will accept fixed deposits from depositors in cities wherein BFL has a branch presence (a list of BFL branch addresses is attached as annexure 1). BFL will provide local application acceptance facilities to distribution partners at the following 18 BFL branches

I. North: Delhi NCR, Chandigarh, Ludhiana, Lucknow, Jaipur, Jalandhar

II. East: Kolkata III. West: Mumbai, Pune, Ahmedabad, Baroda,

Surat, Nagpur IV. South: Chennai, Bangalore, Hyderabad,

Kochi, Coimbatore

BFL will have sales managers in each of the above 18 locations to service distribution partners. Distribution partners in other locations will need to send the applications along with the cheque to BFL’s FD processing centre in Pune.

3. Application Forms & Collateral Indent

Distribution partners can place indent for application forms and FD collaterals by email to [email protected]. The same will be centrally dispatched to the partners with a confirmation email.

mailto:[email protected]

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FD Application Process

Deposit

Applicant

Distribution

partner

Explains FD

Scheme

Features

Documents

- FD Application

Form

- Cheque

- KYC Documents

- 15G/15H (If

Applicable)

Preliminary Distribution

Partner Check

- Check all documents

- Ensure Minimum deposit

size based on depositors

address proof

- Login application details in

BFL B2B portal

Top 18 Locations:

Send applications to

BFL Branch Office

Other Locations:

Send applications to

FD Central

Processing Unit

(Pune)

Duly signed & stamped acknowledgment

Top 18 Locations: Handed to the distribution partners

who will further handover to depositors

Other Locations: BFL will send acknowledgement to

distribution partners’ office who will further handover

to depositors.

Additionally BFL to provide email acknowledgment to

depositor and distribution partner

If Discrepancy in Application Form

If No Discrepancy

in Application

Applications Received at BFL Branch

Mark application as hold and send communication to

depositor and distribution partner Applications Received at FD central processing unit

Mark application as hold and send communication to

depositor and distribution partner

If Application

rectified within 10

days

If Application not rectified within 10 days

The application will be shredded and appropriate

communication will be sent to deposit applicant and

distribution partner

If Application

rectified within

15 days

If Application not

rectified within 15 days

The application will be

shredded and appropriate

communication will be

sent to deposit applicant

and distribution partner

CPU – For FD

Booking

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4. Application Process A. Sourcing

Distribution partner will explain the features of the fixed deposit schemes and the documentation required for opening a fixed deposit with Bajaj Finance to the deposit applicant. If a deposit applicant decides to open a fixed deposit with Bajaj Finance, the partner will collect from the applicant the following document and information

I. Completely filled and signed fixed deposit application form

II. Following KYC documents as detailed in the application form

a. Identity Proof b. Address proof and c. Depositors photograph

III. “At PAR”, CTS compliant Cheque favouring ‘Bajaj Finance Limited – Fixed Deposit

Account number 00070350006738 ’ and IV. Declaration of non taxable income from the

depositor, if applicable (Form 15H in case of senior citizens - 60 years and above, and Form 15G in case of below 60 year)

The partner will do preliminary checking of the application form to verify that it complies with the above requirements. Partners in top 8 cities will need to ensure that the minimum deposit size in these cities is in conformity of the city categorization. As mentioned earlier under the section ‘Minimum Deposit Value’, BFL will accept minimum deposit size of INR150,000 in Delhi & Mumbai and Rs.100,000 in Bangalore, Chennai, Hyderabad, Kolkata, Ahmadabad & Pune. The minimum deposit size will be tracked based on the deposit applicants address proof submitted to BFL. Partners in the top 18 locations mentioned earlier will need to login the entry of the application in BFL B2B portal (detailed in section 8) and send the application forms along with the necessary documents and cheques to the BFL branch office in the city. In other locations, the partners will need to login the entry of the application in BFL B2B portal and send the application forms along with the necessary documents and cheques to the FD central processing unit in Pune at the following address:

Tata Consultancy Services - BFL Process Electronic Sadan No.3

MIDC Bhosari Pune – 411 026 Maharashtra, India.

B. Acknowledgment

The operations team at the BFL branch in the above 18 locations will provide duly signed & stamped acknowledgement of the application forms to the partner. The partner will then handover the acknowledgement to the deposit applicant. In other locations, BFL will send the acknowledgment receipts to the partner’s office, the partner will handover, the same to the deposit applicant. An email acknowledgement of the receipt of application form will be sent to both the deposit applicant as well as the partner.

C. Acceptance

For applications received in the branch, Non-discrepant and KYC compliant applications will be accepted and sent to the FD central processing unit for booking the FD. Applications with discrepancy or incomplete KYCs will be marked as hold and appropriate communication will be sent to the depositor and the partner. Each such “on hold” application will be kept in custody of branch operations till the application is completed or a maximum of 10 days. If the application is still on hold for more than 10 days, the application will be shredded and the partner will be intimated. Appropriate communication will be sent to the deposit applicant. For application received in the FD central processing unit, All KYC compliance check and scrutiny of documents as per document checklist will be undertaken. Non-discrepant & KYC compliant applications will be forwarded for booking the FD. All Discrepant or KYC non-compliant applications will be marked on system as hold along with relevant reason for hold and appropriate communication will be sent to the depositor and the sourcing branch of the partner. Each such on hold application will be kept in custody of the FD central processing unit till the application is completed or a maximum of 15 days. If the application is still on hold for more than 15 days, the application will be shredded and the partner will be intimated. Appropriate communication will be sent to the deposit applicant.

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FD Booking

5. FD Booking & Issuance of Receipt

The FD central processing unit will capture all the relevant details of the deposit applicant for accepted applications, create a FD account in the system and then present the cheque to the bank. Post clearance of cheque the FD will be booked for the FD ‘value date’. If the cheque is dishonoured due to insufficient funds, then FD Account cancellation process will be undertaken on the system. All FD application related documents will be shredded and appropriate communication will be sent to the deposit applicant and the partner.

If the cheque is dishonoured due to technical reasons, (only for specific reasons, wherein a new cheque is not required from the depositor) the FD central processing unit will represent the cheque again. If total process involved in receiving the cheque and clearance of the cheque is more than 7 days, then the original FD Account will be cancelled and re-booked. Post FD cheque clearance and booking, fixed deposit receipt along with a welcome letter will be sent to the depositors communication address as mentioned in the application form.

FD Form Received at FD central processing unit

Capture details from application form & create FD

A/C

Present cheque for clearing

If Cheque Cleared

FD will be booked for the FD

‘value date’

If Cheque Dishonored

FD Receipt

Send FD Receipt along with

Welcome Letter to depositors

communication address

For Technical Reason

- If new cheque not required, FD

central processing unit will

represent the cheque again

- If total process involved in

receiving and clearing of the

cheque is more than 7 days, then

the original FD A/C will be

cancelled and re-booked

For insufficient Funds

- FD A/C cancellation process will

be undertaken

- All FD application documents will

be shredded

- Appropriate communication will

be sent to depositor and

distribution partner

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Depositor Life Cycle Events

Cumulative

Option:

Payment at the

end of tenor

Payout

Premature Withdrawal

- Provide FD receipt to BFL branch or partner

- Run FD premature withdrawal validations

and communicate depositor & distribution

partner if request can be accepted / not

If form 15G/15H

provided

No TDS deduction

If form 15G/15H not

provided

- TDS applicable if

interest payable on FD

in a financial year

exceeds INR 5,000

- Form 15G/15H

accepted only between

1st and 15th April

If not accepted

Return FD

receipt to

depositor

through

distribution

partner

If accepted

- Depositor would be

given acknowledgment

slip

- Payment to be

processed

- FD pre-maturity report

will be emailed to the

depositor

FD Maturity

- 60 days prior to FD maturity date,

communication to be sent through

courier/post to depositor along with

FD renewal instructions

- If FD renewal request not received 7

days prior to the maturity date, the

maturity amount to be credited to

depositors bank account

- Report containing details of

principal, interest and TDS to be

emailed to depositor

- If fund transfer still not successful,

depositor will be intimated

FD Renewal

- Renew Principal or

Maturity Amount

- Mention FD A/C and

scheme details and

submit the signed

application form

Interest Payout

- Interest payment through fund transfer to depositors bank account

- Statement of Account (SOA) containing interest payment details will

be emailed to depositor

- In case fund transfer is not successful, interest payment cheque will

be couriered to depositor

- If successful delivery is not done, then 2nd attempt will be made via

Speed Post.

Non Cumulative Option:

Monthly/Quarterly/Half

Yearly/Yearly interest payment

as opted by depositor

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A. Interest Payment

Interest payment will be based on the interest payout frequency opted by the Depositor (Non – Cumulative: Monthly / Quarterly / Half Yearly / Yearly OR Cumulative at the end of Tenor). Interest payment will be after deducting the TDS payable On successful transfer of the interest paid to the depositors account, a consolidated statement of account (SOA) will be e-mailed to the depositor. The SOA will contain all details of Interest paid till date and TDS adjusted till date. If fund transfer is not successful, then the FD central processing unit will send a Cheque to the depositor. This cheque will be dispatched to depositors address by courier. If successful delivery is not done, then 2

nd

attempt will be made via Speed Post. If undelivered for the second time, the same will then be marked in the system as returned as undelivered.

B. Premature Withdrawal

For premature withdrawal, depositor has to mandatorily provide the fixed deposit receipt to BFL. This will be done either by handing over the receipt at a BFL branch or to the distribution partner. The partner will send the fixed deposit receipt to the branch. The branch operations team will run all the validations (Example – Prematurity request before lock-in period which in BFL case will be 3 months)and communicate to the depositor and the partner if the prematurity can be accepted / not. If the request is not accepted, the fixed deposit receipt will be returned to the depositor through the partner. If accepted, the depositor would be given an acknowledgement slip. The FD central processing unit will authorize payment of the maturity proceeds. A FD Pre-Maturity report will be e-mailed to the depositor, this report will contain all details of principal paid, Interest paid till date and TDS adjusted till date. If fund transfer is not successful, then the FD central processing unit will send a cheque to the depositor. This cheque will be dispatched to the depositors address by courier. If successful delivery is not done, then 2

nd attempt will be made via Speed Post. If

undelivered for the second time, the same will then be marked in the system as returned as undelivered. On successful credit to the depositors account, intimation will be SMSed and emailed to the depositor.

C. FD Maturity

60 days before normal Maturity date, communication will be sent to the depositor as well as the distribution partner informing about the Maturity due date (along with instructions for Renewal). Communication will be sent by courier / registered post. Maturity date will be based on anniversary date (date of booking). If the renewal request is not received 7 days prior to the FD maturity date, the FD maturity amount will be credited to the depositor’s account. On successful credit to the depositors account a maturity report will be emailed to the depositor. This report will contain all details of principal paid, interest paid till date and TDS adjusted till date. If fund transfer is not successful, then the FD central processing unit will send a cheque to the depositor. This cheque will be dispatched to the depositors address by Courier. If successful delivery is not done, then 2

nd attempt will be made via Speed Post. If

undelivered for the second time, the same will then be marked in the system as returned as undelivered. On successful credit to the depositors account, intimation will be SMSed and emailed to the depositor. If fund transfer is still not successful, the depositor will be intimated about the unsuccessful attempt to credit the funds into the depositors account.

D. FD Renewal

For renewal, depositor will fill up his earlier FD account details, select the FD scheme, sign on the FD application form and enclose discharged deposit receipt for renewal. The application will be collected by the partner and the same process of application acceptance as detailed earlier will be followed. Depositor doesn’t have to submit KYC documents and Photograph again for renewal, only the reference number of the original fixed deposit receipt need to be submitted in the application form.

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Depositors will be able to renew either only for amount equal to Principal Amount or equal to Maturity Proceeds (Principal + Interest Amount).

E. TDS Process:

If for a Financial year, interest payable on the FD (for both non -cumulative as well as cumulative), is more than INR 5000, then BFL has to pay TDS as per Interest Payment frequency in case of non -cumulative FD and annually in case of cumulative FD. If a depositor has not provided Form 15H or Form 15G at the application stage, same will be accepted only between 1

st and 15

th of April for the associated

financial year A TDS certificate will be made available to the depositor by following mechanism:

I. Facility to download from B2C portal II. E-mail to the depositor

III. Provided to the depositor in physical mode (courier) on special request received at depositor service unit

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6. Service Framework

The service channels that will be offered by BFL for depositors partners will be:

I. Email Management II. B2C Portal

III. IVR and Bi-directional SMS IV. Corporate Web site

The complete depositor life cycle and service offering details are given below

Service Framework:

Services Offered Channel / Mode

Fixed Deposit FAQ's and scheme detailsWebsite, B2C, IVR, Mobile

App

FD Acquistion stage related communication framework

FD application login

Login discrepancies at branch

Login discrepancies at FD central processing unit

Cheque due for banking

Cheque bounce

FD account creation

On FD Booking

Hard copy of welcome letter & FD receipt by courier

and soft copy by email

Welcome SMS

Experia Login SMS

Self service functionality for FD account Experia Portal

Pre-Acquisition and Acquisition Stage

SMS & Emails

On Boarding Stage

Services Offered Channel / Mode

All Interest Payment events - success or failure

SMS and Email SOA, For

failure a Voice call will be

made

TDS certificate events SMS and Email

Pre-maturity - receipt of instruction SMS and Email

Pre-maturity proceed payment - success or failure



made

Maturity details - 60 days before maturity date SMS and Email SOA

Renewal Application form and related processes SMS and Email

Maturity proceed payment - success or failure



made

All service request / enquiry / complaintsWecare, B2C portal, IVR

and Voice

Life Cycle Events

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7. Online Partner Portal : B2B Framework

A. What is B2B Framework?

As BFL, we work with more than 10,000 merchants for various businesses. We also understand that we grow when our partners grow. To provide our partners with a complete and real time information platform, we invested 3 years back into a technology platform that delivers – service, transactions and reporting in a customized manner to each of our partners. We have extended this offering to our Fixed Deposit distribution partners as well. With a dedicated username and password based access, you will be able to:

a) Book a new FD

b) View the status of FD booked

c) Create batch for application dispatch

d) Track courier delivery to branch

e) Check application status at each stage –

received at branch, accepted at branch,

received at central processing unit,

accepted at CPU, rejected at CPU etc.

f) Reports of daily/weekly/monthly bookings

(status wise)

g) Maturity reminders and Maturity reports

h) Query portal

i) View Statement of Account (SOA), print the

SOA

j) View depositor docs submitted at the time

of FD opening,

k) TDS Certificate

And much more….

In addition, this is a multi layered structure to enable you to consolidate reports at various levels – city, state, zone and country level. With all required information at your fingertips, we help you to make your relationships more fruitful and in the process getting profitable depositors.

B. Benefits to Distribution partners: a) Instant information available for your business b) Internet based access provides anywhere access c) Depositor servicing is easy with B2B – print SOA,

TDS certificate or just mail them to depositors d) Maturity reports to help track closures and

ensure maximal renewals e) Multi layered structure enables reports as per

various levels f) All depositor data available till as long as you

need it g) Continuously evolving and adding more reports

and functionality

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C. B2B Process Flow

I. New Deposit:

Select 18 BFL Locations: Application Flow from Partner - Branch – Central Processing Unit (CPU)

Partner:

a) Partner logs in to B2B portal. – B2B

b) Creates New Deposit. Enter personal details.

Enter fixed deposit details. – B2B

c) Partner saves the details, when saved a

reference number is generated. –B2B

d) Partner writes this number on the Application.

e) Partner goes to dispatch tab. Enters date range

as search parameter. –B2B

f) Selects the cases to be dispatched. –B2B

g) Clicks on dispatch. When clicked Batch id is

generated and the status of each file changes to

dispatched. –B2B

h) A printout is taken and attached with the batch

and sent to the branch.

Branch

a) Branch executive inwards the batch coming

from Partner. –B2B

b) Do a data verification and raise discrepancy if

any. –B2B

c) Branch executive goes to dispatch tab. Enters

date range as search parameter. –B2B

d) Selects the cases to be dispatched. –B2B

e) Clicks on dispatch. When clicked Batch id is


dispatched. –B2B

f) A printout is taken and attached with the batch

and sent to the CPU.

CPU

a) Receive/Inward the batch/application coming

from branch. –B2B

b) Do a data verification and raise discrepancy if

any. –B2B

c) Acceptance of file for deposit creation in mother

system.- Finnone.

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Select 18 BFL Locations: Branch – CPU process:

Branch:

a. Branch executive logs in to B2B portal. – B2B

b. Creates New Deposit. Enter personal details.


c. Branch executive saves the details, when saved

a reference number is generated. –B2B

d. Branch executive writes this number on the

Application.

e. Branch executive does a Document Verification

Unit (DVU) check. –B2B

f. Branch executive goes to dispatch tab. Enters


g. Selects the cases to be dispatched. –B2B

h. Clicks on dispatch. When clicked Batch id is


dispatched. –B2B

i. A printout is taken and attached with the batch


CPU

a. Receive/Inward the batch/application coming

from branch.—B2b

b. Do a data verification and raise discrepancy if

any. –B2B

c. Acceptance of file for deposit creation in mother

system.-Finnone.

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Other BFL Locations: Partner – CPU process:

Partner:

a. Partner logs in to B2B portal. – B2B

b. Creates New Deposit. Enter personal details.


c. Partner saves the details, when saved a


d. Partner writes this number on the Application.

e. Partner goes to dispatch tab. Enters date range


f. Selects the cases to be dispatched. –B2B

g. Clicks on dispatch. When clicked Batch id is


dispatched. –B2B

h. A printout is taken and attached with the batch


CPU


from branch.-B2B


any.-B2B


system. –Finnone.

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II. Pre-Maturity

BFL Locations: Branch – CPU process:

Branch:

a. FD receipt is accepted by the Branch executive.-

B2B

b. Branch executive enters the FD receipt number

in B2B, verifies the details.-B2B

c. Selects foreclose with reasons.-B2B

d. Clicks on redeem.-B2B

e. Branch executive provides an acknowledgement

receipt to the depositor. -B2B

f. Branch executive does a DVU of receipt

received.

g. Branch executive searches the receipts accepted

for redemption. -B2B

h. Dispatch the receipts to CPU. -B2B

i. Prints out the batch and attaches with the files

and sends to CPU

CPU

a. Receive/Inward the batch/receipt coming from

branch. -B2B


any. -B2B

c. Acceptance of receipt for redemption. -Finnone

d. Centralized banking activities.

e. Credit amount to depositors bank.

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III. Renewal

Select 18 Locations: Partner - Branch - CPU

Partner:


b. Enters Receipt number/depositor id/Application

id/Reference number and fetch the FD and

personal details. – B2B









dispatched. –B2B



Branch:

a. Branch executive inwards the batch coming

from Partner. –B2B


any. –B2B

c. Branch executive goes to dispatch tab. Enters


d. Selects the cases to be dispatched. –B2B

e. Clicks on dispatch. When clicked Batch id is


dispatched. –B2B

f. A printout is taken and attached with the batch


CPU


from branch. –B2B


any. –B2B


system.- Finnone.

Page 18 of 35

Select 18 Locations: Branch – CPU process:

Branch:

a. Branch executive logs in to B2B portal. – B2B




c. Branch executive saves the details, when saved

a reference number is generated. –B2B

d. Branch executive writes this number on the

Application.

e. Branch executive does a DVU check. –B2B

f. Branch executive goes to dispatch tab. Enters


g. Selects the cases to be dispatched. –B2B

h. Clicks on dispatch. When clicked Batch id is


dispatched. –B2B

i. A printout is taken and attached with the batch


CPU


from branch.—B2b


any. –B2B


system.-Finnone.

Page 19 of 35

Other BFL Locations: Partner – CPU process:

Partner:













dispatched. –B2B



CPU


from branch.-B2B


any.-B2B


system. –Finnone.

Page 20 of 35

Online Partner Portal: Document Vault Sample Flow

Services Offered:

a) FD opening

b) FD file tracking

c) FD renewal

d) FD redemption

e) FD certificate/Receipt

f) TDS certificate

g) Policy Updates

h) Document Vault

i) Query desk.

Reports:

a) Daily Entry summary: This report will provide a

view of the number of cases sourced, matured,

redeemed daily.

b) Transaction report: This report will provide

number of transactions/ cases sources on

monthly basis or in a date range.

c) Case status view online: The case status can be

tracked using this report. This will show the user

where the file is and what the status from

sourcing to creation of deposit is.

d) SOA: Statement of account will provide a

detailed statement of the payment receivable

from BFL to the sourcing authority.

e) Maturity indicators/Forecast: Maturity report

will provide the insight to the user, on the

number of cases getting matured in the given

date range.

f) Number of FD renewed: This report will show

the number of FD renewed from the

counter/Partner.

g) Total number of FD created: This report will

show the number of FD created from the

counter/Partner.

h) Total number of FD matured: This report will

show the number of FD matured from the

counter/Partner.

i) Total number of FD redeemed: This report will

show the number of FD redeemed from the

counter/Partner.

j) Approval/Rejection Report: This report will

show the number of FD cases which are

approved/created and the cases which are

rejected.

k) TDS: For depositor walking in, Partner can

provide TDS report on request.

l) Form 15H/G: Form 15h and 15G can be

downloaded from B2B, for individual, firm or for

senior citizens.

Page 21 of 35

8. Business and Commission Payout calendar

Cycle

A. Business Calendar Cycle (BCC)

Definition: The “Business Calendar Cycle” would mean the opening date and the closing date for the specific period within which the Fixed Deposit’s value date has been created in the Core Deposit System.

The Business Cycle for all channels would be from 1st day of the calendar month to the last day of the same month.

B. Commission Payout calendar Cycle (CPCC)

The commission payout would happen within 30 days of the closure of the Business Calendar Cycle (BCC) along with the detailed statement of accounts.

9. Partner Engagement Contact Details:

Pune:

Rajorshi Chanda

Bajaj Finance Limited 5

th Floor, Bajaj Finserv Corporate Office

Off Pune Ahmednagar Road Viman Nagar Pune – 411 014. Mobile 91588 80902

Email : [email protected]

Mumbai:

Vishnu Singh

Bajaj Finance Limited 4

th Floor, 271 Business Park

Model Industrial Estate Near Virwani Industrial Estate Goregaon East, Mumbai -400 063 Mobile 98702 77575 Email : [email protected]

Delhi:

Lohit Mannan

Bajaj Finance Limited Office No. 1152 & 1351, Aggarwal Metro Heights , Plot E5, Netaji Subhash Place, Pitampura, New Delhi – 110034, INDIA. Mobile 98105 03256 Email : [email protected]

Chennai:

Santosh Kumar Bajaj Finance Limited Raheja Towers, 8th Floor Unit # 804,805,806 #177, Anna Salai Chennai - 600 002 Mobile 98450 07538 Email: [email protected]





Page 22 of 35

10. Fixed Deposit FAQ’s

1. What is a fixed deposit scheme?

A Fixed Deposit scheme is a savings option

which helps you earn interest on your

money parked with the offering

organization at periodic intervals either

through simple or compounded interest on

the principal amount. The rates of interest

are typically higher than money parked in

savings accounts owing to the fact that the

money is locked in for a specific period and

cannot be withdrawn at will of the

depositor.

2. What are the benefits of Bajaj Finance

Limited fixed deposit scheme?

Now avail best in class fixed tenor deposits

from Bajaj Finance Limited (AAA rated

NBFC) at attractive rates. Bajaj Finance

Limited, one of the fastest growing NBFC

from one of the most trusted and respected

business houses in India offers an all new

Fixed Deposit program for Indian residents.

1) Rated FAAA by CRISIL, which means highest

safety of your money

2) Attractive and assured rates of interest for

your money to grow periodically

3) 5 maturity buckets carrying different rates

of interests to suit everyone’s needs

4) Branch presence across over 100 locations

in India

5) Access to all loan account details on our

Customer Portal – Experia

6) Flexibility of payment option through

electronic (for deposits size more than Rs

50 lakhs) or physical modes

7) Special rates for senior citizens, existing

customers and group employees

8) Bajaj Finance in house products available at

attractive rates specially to the depositor

3. What are the service facilities that will

be offered to me?

We are a service oriented organisation with

complete focus on delivering the best

service experience. Some of the key

highlights being:

Easily accessible touch points

Simple and transparent policies

A readily available Fixed Deposit

online calculator which will help

you plan your needs

Detailed communication to

customers while booking a Fixed

Deposit, from request to maturity

Scanned copy of all the documents

submitted by you, available online

for easy access

An overall experience to delight

4. What is the min / max amount I can

invest?

For customers in National Capital Region

and Greater Mumbai, the minimum deposit

amount is Rs 1,50,000 – applicable for both

Cumulative and Non Cumulative Schemes

For customers in Chennai, Bangalore,

Kolkata, Hyderabad, Pune and Ahmedabad,

the minimum deposit amount is Rs 1,

00,000 – applicable for both Cumulative

and Non Cumulative Schemes

For customers in rest of India, only where

Bajaj Finance has branch presence,

minimum deposit amount is Rs 50,000 –

applicable for Cumulative Scheme. For

customers in rest of India, only where Bajaj

Finance has a branch presence, minimum

Page 23 of 35

deposit amount is Rs 1,00,000 – applicable

for Non Cumulative Scheme

Investments into any of our schemes need to be in multiples of 1000, over the minimum prescribed deposit acceptance size. Max amount - there is no maximum investment limit into any of our schemes

A list of BAJAJ FINANCE LIMITED branch

location cities is attached as annexure 1.

5. What is the min/max tenure I can

choose?

Min tenor – 12 months Max tenor – 5 years

6. What interest pay out options are

available?

We offer cumulative & non cumulative

interest payment options.

Non Cumulative: In a 'Non cumulative’

fixed deposit scheme the interest is payable

on a monthly, quarterly, semi annually and

yearly basis. This scheme will be convenient

if you require periodical interest payment.

Cumulative: In a 'Cumulative’ term deposit

scheme the interest is payable at the time

of maturity along with the principal and is

compounded annually. This scheme is

suitable for an individual who does not

require periodical interest payment and

acts as a money multiplier scheme. The

interest will be compounded annually.

The final payout will be subject to

deduction of tax, wherever applicable.

7. Will I need to provide any referral for

opening a Fixed Deposit account?

No referrals required, only KYC documents would suffice.

8. Who can open a Fixed Deposit account

with BAJAJ FINANCE LIMITED?

Resident Individuals

Hindu Undivided Family (HUF)

Sole Proprietorship

Partnership Firms

Companies including group

companies

Club, Association and Societies

Family Trust

9. Who cannot open a Fixed Deposit

account with BAJAJ FINANCE LIMITED?

Foreign Citizens

Person of Indian Origins (PIOs)

Non Resident Indians (NRIs)

Charitable Trusts

10. What are the various modes through

which I can make my payment?

The amount should be deposited only by

cheque made payable to ‘Bajaj Finance

Limited – Fixed Deposit Account number

00070350006738’ and crossed ‘Account

Payee only’.

The cheque should be CTS compliant and payable at par. A RTGS / NEFT can be made for deposits above Rs. 50 lakhs.

11. Can I open a deposit account by cash

payment?

Bajaj Finance does not accept cash payment

for creating a Fixed Deposit account. Also,

deposit account cannot be created through

borrowed funds.

Page 24 of 35

12. What are the various documents I

need to submit for opening a Fixed

Deposit account?

a) Latest photograph

b) Certified copy of the proof of identify

c) Certified copy of the proof of address.

In case the depositor has already submitted the above documents in his earlier deposit, then he need not submit the above documents again, but has to provide the reference of his customer number or deposit number. Further an existing customer of BAJAJ FINANCE LIMITED wherein the above documents are available need not re-submit the documents.

KYC documentation required:

INDIVIDUAL

PAN (Mandatory)

Id Proof (Any one):

Passport

Voters ID

Driving License

Aadhar Card

Address Proof (Any one):

Passport

Voters ID

Driving License

Aadhar Card

Latest Utility Bills (Landline

Telephone/Electricity)

Latest Bank Statement/Pass book with Bank

Seal

Registered lease agreement/sale deed

Demat account statement

Signature Proof (Any one):

Passport

Driving License

NON INDIVIDUAL

PRIVATE LTD/PUBLIC LTD:

PAN

KYC grid address proof

Certificate of Incorporation

Memorandum & Articles of Association

Authorized signatories list with specimen

signatures

Board resolution for opening the FD

account

ID proof of Authorized Signatories as per

the KYC grid of ID proof requirement

PARTNERSHIP:

PAN


Certificate of registration

Partnership deed


signatures

ID proof of Authorized Signatories as per

the KYC grid of ID proof requirement

HUF:

PAN of HUF


Self attested copy of PAN card in HUF name

is mandatory

Deed of declaration of HUF

Bank pass book / bank statement / Demat

statement in the name of HUF

KYC of all adult members of HUF as per the

KYC grid

Page 25 of 35

STATUTORY BOARD/LOCAL AUTHORITY:

PAN



signatures

Self Certification on Letter Head

REGISTERED SOCIETIES:

PAN


Copy of Registration Certificate under

Societies Registration Act

List of Managing Committee members

Committee resolution for persons

authorised to act as authorised signatories

with specimen signatures

True copy of Society Rules and Bye Laws

certified by the Chairman/Secretary

13. Is there any charge/processing fee

levied for opening a Fixed Deposit

account?

There are no charges levied to open your

Fixed Deposit account.

14. Can I show this FD investment for tax

exemption?

BAJAJ FINANCE LIMITED FD investment

cannot be shown as an investment under

section 80C for tax deduction benefit.

15. When will my interest amount be

paid?

Non Cumulative - Interest will be paid to a

customer based on scheme interest

payment frequency

Monthly option – Last date of each month.

The first interest will be paid on the last day

of the subsequent month in which the FD is

procured. Eg. If the customer has initiated

the FD on 25th

March and has requested for

a monthly interest, the same will be paid on

the subsequent month end that is 30th

Apr,

31st

May and so on.

Quarterly Option – June 30, September 30,

December 31 and March 31

Half Yearly Option – September 30 and

March 31

Annual Option – March 31

Cumulative scheme - The interest will be

compounded annually and will be paid on

maturity.

16. What is my FD amount, tenure,

interest %?

You can refer to your Statement of Account,

available on Experia for details.

17. I need my FD certificate /Receipt

The original FD receipt is couriered to your address updated in our records along with your welcome kit. A virtual copy of the FD certificate/receipt is available on Experia to view.

18. I was communicated an interest of

xxx% however, I have not received the

same.

Request you to check the scan copy of the documents available on Experia as the rate mentioned in the same is signed by you. In case of any further discrepancy please connect with our customer service team.

Page 26 of 35

19. I had requested for a tenure of xxx

however the FD is not issued on the

same lines.

Request you to check the scan copy of the documents available on Experia as the rate mentioned in the same is signed by you. In case of any further discrepancy please connect with our customer service team.

20. Can I withdraw this FD before the

tenure expiry? If yes, what is the

impact on interest?

The lock in period for any FD is 3 months, before which the FD cannot be withdrawn. For premature withdrawal there are penalty slabs: 0 -3 mths – FD cannot be withdrawn

3 -6 mths – No interest is payable on the

deposit. Only the principle is payable

>6 mths - interest payable is 2% lower than

the interest rate applicable for the period

for which the deposit has run for. In case of

no interest specified for the period run,

interest payable will be 3% lower than the

lowest rate at which Bajaj Finance accepts

deposits

21. If I require money can you give me

loan against my FD, at a lower rate?

Post 3 months of being on our books, we

shall provide our deposit customers with

deposit value of above INR 1 crore, a loan at

the discretion of Bajaj Finance Limited. The

loan will be a maximum of 75% of the

deposit amount at a rate which is 2% higher

than the rate of interest at which the

deposit has been created.

22. I wish to add a nominee / change the

nominee details on my FD.

Currently only one single person can be

nominated. A nominee can also be a minor

provided the relevant details are filled on

the nomination form.

In case the deposit is placed in the name of

a minor the nomination can be made only

by a person lawfully entitled to act on

behalf of the minor.

For any request to change the nominee name, fill/submit the nomination form duly signed, basis which changes will be made in our records

23. What is the process to claim a FD if the

customer is no more?

Nominee needs to fill in a form and request to encash the FD at the branch. In case of joint account holders, change in the names of deposit holders on deposit receipt and / or bank account to which interest and /or principal shall be credited shall be effected only on the production of a copy of the Death Certificate, certified to be true by notary public, without reference to the heirs and/or legal representatives of the deceased and instruction to the Company in this behalf by all the surviving deposit holder(s) jointly in writing. In any other case, it will be necessary for the legal representative of the deceased depositor to produce Succession Certificate/Letter of Administration/Probate of the Will etc. to the satisfaction of the Company.

24. Is the interest on FD taxable? What is

the taxable amount?

Yes, under Section 194A of the Income Tax

Act, 1961, in case of interest earned from

investments in fixed deposits floated by

NBFCs, exceeds Rs. 5,000, interest income is

taxable. At a PAN Card level for the

depositor, his interest income will be

arrived at after consolidating all his Fixed

Deposits. TDS will be calculated by Bajaj

Finance and paid into the government

account as per the interest payment

frequency. The TDS certificate will be

Page 27 of 35

provided to the depositor annually. In case

the depositor provides 15G/15H during the

application stage, he will be exempted from

paying tax at source on his interest income.

25. In case of non-payment of the existing

loan will my FD be impacted?

No there will be no impact on the FD.

26. How soon will I receive my Fixed

Deposit Receipt?

The depositor will receive the Fixed Deposit

receipt maximum within 2 weeks of

creation of his deposit account, along with

the welcome letter from our customer

service team.

27. I am unable to track my FD certificate.

Please assist.

A virtual copy of the FD certificate is

available online on our Customer Portal –

Experia, hence the same can be viewed

online.

28. What is the interest amount that will

be credited to my account?

Basis the scheme availed by the customer the interest amount will be credited to the customers bank account registered with us. Post interest credit to a customers account,

communication for the same is sent to the

customer via SMS/email.

Refer to your SOA for the details on the

scheme availed and interest payable details.

29. Scheme provided is incorrect. I had

asked for cumulative however non

cumulative has been given to me. Vice

versa

Request you to check the scan copy of the documents available on Experia as the rate mentioned in the same is signed by you. In case of any further discrepancy please connect with our customer service unit.

30. I wish to renew my FD

Bajaj Finance will send renewal reminders

to the depositor and the distributor 2

months before the date of maturity of the

deposit. The depositor will need to walk in

to the nearest Bajaj Finance branch along

with his physical Fixed Deposit receipt and

mention his desire to renew his deposit by

filling up the application/renewal form

atleast 7 days prior to the maturity date.

Post 7 days prior to the maturity date, no

request will be taken to renew the deposit

account. The depositor may renew only

principal or principal along with interest.

31. How will the maturity amount be

transferred?

The maturity amount will be transferred to

the bank account mentioned by the

depositor in the application form through

National Electronic Fund Transfer/Real Time

Gross Settlement modes only. The entire

amount shall be transferred on the date of

maturity of the deposit, along with the

interest calculated for the full period. In

case of electronic account transfer bounce,

the amount will be sent across to the

depositor through cheque.

Page 28 of 35

ANNEXURE

Page 29 of 35

Annexure: 1

BFL Branch Locations:

Sr. No.

Branch Location Branch Address

1 AGRA 2nd Floor, B-53, Kamla Nagar, Agra - 282 005.

2 AHMEDABAD

3rd Floor, Unit No.302 to 306, Torquoise Building, Opp. Centre Point, Panchvati Paanch Rasta, Off C. G. Road, Ahmedabad - 380 006.

3 AHMEDNAGAR

Office no B/24, Basement, Amber Plaza A, Opp. Old Bus Stand Near HDFC Bank, Station Road, Ahmednagar - 414 001.

4 AJMER

1st Floor, India Heights India Motor Circle, Kachehari Road, Ajmer - 305 001

5 AKOLA

Ground Floor, Parturkar Compound, Near Sylee Apartments, Ratanlal Plot, Akola - 444 001.

6 AKOT

1st Floor, Rehan Sankul, Above Shegaon Kachori, Near to Bus Stand, Akot - 444 101. Dist - Akola.

7 ALLAHABAD

1st Floor, Manorama House, 23/198-B, Mahatma Gandhi Marg, Civil Line, Allahabad - 211 001.

8 AMBALA

2nd Floor, S.C.F.15, Vikas Vihar, Opp. Pizza House, Ambala - 134 003.

9 AMRAVATI

2nd Floor, Vimaco Tower, Plot No. 15/2, Railway Station Road, Gawthan, Opp. Usmania Masjid, Amravati - 444 601.

10 AMRITSAR

2nd Floor, GR Tower, Mall Road, Near Smile Center, Amritsar - 143 001.

11 BANGALORE

801 to 805, 8th Floor, Prestige Towers, Residency Road, Bangalore - 560 025.

12 BARAMATI

1st Floor, C. R. Gujar Complex, Kacheri Road, Baramati - 413 102.

13 BARODA

4th Floor, 401, 402, 403, 404, Times Square Building, Fatehgunj, Baroda - 390 002.

14 BELGAUM

1st Floor, Sr. No.10714, Nehru Nagar, Above Union Bank Of India, Opp: Hotel Ramdev, JNMC Road, Belgaum – 590 010.

15 BHARUCH

405-406, Shree Mangalam Complex, Above IDBI Bank, Kasak Circle, Bharuch - 392 002.

Page 30 of 35

16 BHATINDA

1st Floor, Grover Complex, MC No.2739 A&B, Shri Hanuman Chowk, GT Road, Bathinda - 151 001.

17 BHAVNAGAR

3rd Floor, 307, Eva-I, Opp. Joggers Park, Atabhai Chowk, Bhavnagar - 364 002.

18 BHILAI

1st Floor, Plot No. 8, Nehru Nagar Commercial Complex, Nehru Nagar, Bhilai - 490 020. Dist : Durg

19 BHIWANDI

3rd Floor, Shop No2 & 3, Shri Siddivanayak Complex, Bhiwandi Kalyan Road, Temghar, Bhiwandi - 421 302.

20 BHOPAL

Mezzanine Floor, Alankar Complex, Plot No.10, Zone II, M.P. Nagar, Bhopal - 462 011.

21 BHUBANESHWAR

2nd Floor, A1/64, Nayapalli, Bhubaneshwar - 751 003.

22 BIKANER

JSR Complex, 3rd Floor, Near Railway Crossing, Ambedkar Circle, Hospital road, Bikaner - 331 001.

23 BILASPUR

2nd Floor, CG Plaza, Near BSNL Telephone Exchange, agrasen Chock, Bilsapur - 495 001.

24 CALICUT

Building No.1206 E, 2nd Floor, KVR Tower, Kannur Road, West Hill, Calicut - 673 005.

25 CHALISGAON

Ground Floor, "Sushobhit" Yeole Building, Shivaji Chowk, Gavali Wada, Chalisgaon - 424 101.

26 CHANDIGARH

1st and 2nd Floor, Plot No Sco - 26, Sector - 26, Chandigarh - 160 002.

27 CHANDRAPUR

1st Floor, Tukoji Maharaja Bhavan, Nanaji Nagar, Nagpur Road, Chandrapur - 422 402

28 CHENNAI

Unit No - 804, 805, 806, 8th Floor, Delta Wing, Raheja Towers, 177, Anna Salai, Chennai - 600 002.

29 CHIPLUN

Ground Floor, Dr. Jagtap Arogya Dham, Shivaji Chowk, Chiplun - 415 605. Dist - Ratnagiri

30 CHOPDA

Ground Floor, Ratnadeep Building, CST No. - 2457, Mujumdar Ganpati Mandir, Main Road, Chopda - 425 107.

31 COCHIN

3rd Floor, DD Trade Towers, Kaloor - Kadavanthara Road, Kaloor, Cochin - 682 017.

32 COIMBATORE

1st Floor, 104, Excellence, Race Corse Road, Next to Taj Vivanta, Coimbatiore - 641 018.

Page 31 of 35

33 CUTTACK

3rd Floor, Gajanan Complex, Buxi Bazar, Dolamundai, Puri Ghat, Cuttack - 753 001.

34 DAVANGERE

273/4-12, Sree Mallikarjuna Towers, Jayadeva Circle Road, Davangare - 577 002.

35 DEHRADUN

1st Floor, Shiva Complex, C-8 Nehru Colony, Near LIC Building, Haridwar Road, Dehradun - 248 001.

36 DHANBAD

2nd Floor, Office No. - 08, Mithu Road, Bank More, Dhanbad - 826 001.

37 DHARWAD

3rd Floor, Shop No.3, Shri Ranga Arcade, Opp : NTTF, P.B Road, Dharwad - 580 001.

38 DINDIGUL

1st Floor, TNPK Buildings, 83C, Thadikombu Road, Dindigul - 624 001.

39 DURGAPUR

2nd Floor, Ajit Banerjee Building, Bhirangi Nachan Road, Durgapur - 713 213.

40 ERODE

1st Floor, 3 KMY Street, Malathy Complex, Sathy Road, Opp. Erode Bus Stand, Erode - 638 003.

41 GOA

1st Floor, Off. No. - 103, Rizvi Towers, Rizvi Cooperative Housing Society, Caculo Island, St. Inez, Panjim, Goa - 403 001.

42 GUNTUR

1st Floor, D-5-37-155, Swapriya Tower, Broddipet, 4/15, Guntur - 522 002.

43 HOSHIARPUR

2nd Floor, BEHL Complex, Railway road, Hoshiarpur - 146 001.

44 HUBLI

1st Floor, Kalburgi Central Building, Above Reliance Digital, PB Road, Vidyanagar, Hubli - 580 021.

45 HYDERABAD

4th Floor, 6-3-891 & 892, The Belvedere, Rajbhavan Road, Near Somajiguda Circle, Hyderabad - 500 082.

46 INDORE

6th Floor, Off. Nos. 605, 606, 607-A, 607-B, Airen Heights, Plot No.13-14, P.U.3, Scheme No. 54, Indore - 452 001.

47 JABALPUR

2nd Floor, Arjun Chhaya, 1790 - Russel Chowk, Govind Kunj Colony, Napier Town, Jabalpur – 482 002

48 JAGADHRI

2nd Floor, SCO-125, Sector 17, Huda, Jagadhri - 135 003.

49 JAIPUR

5th Floor, Mangalam's Ambition Tower, D-46-B, Malan Ka Chauraha, Agrasen Circle, Subhash Marg, C - Scheme, Jaipur - 302 001.

Page 32 of 35

50 JALANDHAR

Shop No 203, 204, 1st Floor, Sahota Commercial Complex Pvt Ltd. Opp. Bus Stand, Green Park, Jalandhar - 144 001.

51 JALGAON

Plot No. 349, 3rd Floor, Dhake Towers, Jaikisan Wadi, Opp. G S Ground, Nr. Shivaji Statue, Above Dena Bank Jalgaon - 425 001.

52 JAMMU

2nd Floor, Plot No. - 6, Jeevan Bhawan, Narwal Complex, Jammu - 180 012.

53 JAMNAGAR

Off. No. - 403 & 404, 4th Floor, Kuber Building, Park Colony Main Road, Jamnagar - 361 001.

54 JAMSHEDPUR

3rd Floor, GDR Siddha, N. Road, Bistupur, Jamshedpur- 831 001.

55 JODHPUR

2nd Floor, 262 Dheer Jhankar, Main B Road, Sardarpura, Jodhpur - 352 003.

56 KAKINADA

2nd Floor, 6-2-34, Near Bala Tripura Sundari Temple, Opp. Vivekananda Park, Jawahar Street, Kakinada - 533 001.

57 KANPUR

2nd Floor, Sai Sadan, 52-T/15, Fazal Ganj, Kanpur - 208 001.

58 KARAD

1st Floor, Maurya Arcade, Near Kolhapur Naka, Shaniwar Peth, Beside HP Petrol Pump, Karad - 415 110.

59 KARNAL

2nd Floor, SCO 225, Sect. 12, Near DomiNoz, Karnal - 132 001.

60 KARNAL

2nd Floor, SCO 225, Sect. 12, Near DomiNoz, Karnal - 132 001.

61 KHAMGAON

Ground Floor, Ambar Chambers, Opp Ashyago, Old Bus Stand, Main Road, Khamgaon - 444 303. Dist - Buldana

62 KOLHAPUR

1st Floor, C/5, Sr. No.- 1127, E - Ward, Royal Prestige, Skyes Extention, Kolhapur - 416 008.

63 KOLKATA

Office - 1201, 12th Floor, Infinity Benchmark, Plot G-1, EP & GP, Sector 5, Salt Lake, Kolkata - 7000 091,

64 KOLLAM

2nd Floor, Vidya Bhavan, Janayugam Nagar No. 15, Kadappakada PO, Near Divya Lab, Kollam - 691 008.

65 KOPERGAON

Ground Floor, CTS No 2062/A, Gangwal Complex, Bank Road, Kopergaon - 423 601.

66 KOTA

2nd Floor, 344, Mewara Plaza, Shopping Centre, Gumanpura Rawatbhata Main Road, Kota – 324 007.

67 KOTTAYAM

3rd Floor, Geetha Trade Centre, Nagampadam P.O., Kottayam – 686 001.

Page 33 of 35

68 LUCKNOW

A-28, II Floor, Faizabad Road, Opp. Ravindra Palli Petrol Pump, Indira Nagar, Lucknow - 226 016.

69 LUDHIANA

1st & 2nd Floor, SCF-35-G, Bhai Randhir Singh Nagar, Opp. Police Station, Ludhiana - 141 002.

70 MADURAI

3rd Floor, S S Tower, No.78/4, Ponmeni Bypass Road, Madurai - 625 016.

71 MANGALORE

4th Floor, Raj Towers, Balmatta Road, Opp. Hotel Roopa, Mangalore - 575 001.

72 MUMBAI

4th Floor, 271 Business Park, Model Industrial Estate, Near Virwani Industrial Estate, Off. Western Exp. Highway, Goregaon (E) Mumbai - 400 063.

73 MYSORE

2nd Floor, 238, Narayana Shastry Road, Mysore - 570 024.

74 NAGPUR

1st & 2nd Floor, Plot No. - 5, Lotus Building, Gorepath Layout, WHC Road, Dharampeth, Nagpur - 440 010.

75 NANDURBAR

1st Floor, Raghuwanshi Complex, Near Nagar Parishad, Nandurbar - 435 412

76 NASHIK

3rd Floor, Hariprabha Solitario, Plot No. 87 to 89, Kulkarni Baug, Thatte Marg, College Road, Nashik - 422 005

77 NEW DELHI

Off. No. 1152 & 1351, 11 & 13 Floor, Aggarwal Metro Heights, Plot - E5, Netaji Subhash Place, Pitampura, New Delhi - 110 034.

78 PANDHARPUR

1st Floor, MSRTC Complex, Adjoining ST Bus Stand, Main Road, Pandharpur

79 PANIPAT

2nd Floor, Sheela Shoppee, Khasra No.3673/3/1, Sanjay Chowk, Opp. Hotel Midtown, GT Road, Panipat - 132 103.

80 PATIALA

2nd Floor, SCF 12-13, Dukhniwaran Sahib Market, Patiala - 147 001.

81 PATNA

1st Floor, 101, Deo Siddhi Newton Plaza, Kankarbagh, Main Road, Patna - 800 020.

82 PIMPALGAON

Ground Floor, Bank Street, Chinchkhed Road, Pimpalgaon Baswant - 422 209. Dist - Nasik

83 PONDICHERRY

1st Floor, New No.- 103, 105, Old No.- 79,81, Easwaran Koil Street, Pondicherry - 605 001.

Page 34 of 35

84 PUNE

Off. No. 601, 6th Floor, Bajaj Brand View, CTS No. 31, Pune Mumbai Road, Wakdewadi, Pune - 411 003.

85 RAIPUR

6th Floor, RC Printers, Office No. 609,610,611, Plot No.1, Block No. 9, Rajbandha Maidaan, D B Building, Near Dental College, Escort Hospital, Raipur - 492 001.

86 RAJAHMUNDRY

6-3-13, 1st Floor, Above South Indian Bank, Challapalli Vari Street, T - Nagar, Rajahmundry – 533 101.

87 RAJKOT

Office - 501 to 508, Tower B, 5th Floor, Imperial Heights, 150 Feet Ring Road, Rajkot -360005.

88 RANCHI

2nd Floor, Trikuta Hill, Kadura Road, Above Reliance Fresh, Ranchi - 834 001.

89 ROURKELA

2nd Floor, JBS Complex, Udit Nagar, Unit-43, Plot No. 290, Rourkela - 769 012.

90 SALEM

2nd Floor, Off. No. - W-1, Sri Vari Shopping Mall, 2-91, New Bus Stand, Near A.R.R.S Multiplex, Meyanur, Salem - 636 004.

91 SANGLI

1st Floor, Krishanya Arcoid, KBA, Opp. ZP, Plot No. 524/A, Miraj Road, Sangli - 416 416.

92 SHIMLA

3rd Floor, Travini Building, Lower Khalini Chowk, Shimla - 171 002.

93 SHIMOGA

2nd Floor, MRS Complex, Above Manohar Medicals, Park Extension Road, Shimoga - 577 201

94 SILIGURI

M/s Siliguri Auto, 1st Floor, Works Private Limited, 2nd Mile, Sevoke Road, Siliguri - 734 401.

95 SOLAPUR

2nd Floor, Gurusharan Complex, 165-D, Railway Lines, Solapur - 413 001.

96 SURAT

4th Floor, Office No. - 404 to 406, Trinity Business Park, L. P. Savani Road, Surat - 395 004

97 TANJORE

1649, South Main Street, Above Univercell Mobile Showroom, Tanjore - 613 001.

98 TIRUNELVELI

No. 21-C/1, 1st Flr, Western Side, M.K.M. Complex, Above MKM Jewellery, Opp. Municipal Corporation Office, S.N. High Road, Tirunelveli - 627 001.

99 TIRUPATI

2nd Floor, D 8-50/ B / B1, Saroja Towers, Air By Pass Road, Above Union Bank, Tirupati - 517 502.

100 TIRUPUR

1st Floor. 282/432, P N Road, Tirupur - 641 602.

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101 TRICHUR

3rd Floor, R V K Tower, High Road, Village Chembookkavu, Trichur - 680 001.

102 TRICHY

Kanchana Enclave, D-72, II Floor, 7th Cross, Thillainagar, North East Ext. Trichy - 620 018.

103 TRIVANDRUM

4th Floor, CSI Building, Puthenchanthai, Pulimoodu, MG Road, Trivendrum - 695 001.

104 UDAIPUR

3rd Floor, Raj Tower, 222/21, Above Axis Bank, 40-Panchvati, Saheli Marg, Udaipur - 313 001.

105 UDIPI

1st Floor, Raaj Towers, City Bus Stand, Udupi - 576 101.

106 VARANASI

3rd Floor, S.R. Complex, D-59/45-B, Mahmoor Ganj, Rathayatra Road, Varanasi - 221 010.

107 VIJAYAWADA

3rd Floor, Bajaj Probiking, No.38-8-28, Opp. All India Radio, M G Road, Vijayawada - 520 010.

108 VIZAG

2nd Floor, P N Raju Classic Building, D. No. - 46-15-44, Dondaparthy, Vizag - 530 016.

109 WARANGAL

2nd Floor, ABK Complex, Ho. Nos -2-4-641,641/1,642 to 646, Old Bus Stop, Ramnagar, Hanamkonda, Warangal - 506 001.

110 WARUD

1st Floor, Krishnarjun Complex, Kedar Chowk, Warud - 444 906. Dist - Amravati