Tag: Bajaj Finance

  • Bajaj Finance Invests in TrueFan AI: 5% Stake Acquired Under Finserv Intelligence Initiative

    Bajaj Finance Invests in TrueFan AI: 5% Stake Acquired Under Finserv Intelligence Initiative

    Mumbai, September 8, 2026 – Bajaj Finance Ltd., a subsidiary of Bajaj Finserv Ltd. and India’s largest private sector non-banking financial company, has acquired a 5% stake in TrueFan AI (Hogwarts E-learning Universe Private Limited), an AI-powered video generation platform. The investment is part of Finserv Intelligence, Bajaj Finserv’s group-wide strategic initiative in applied research and innovation focused on developing and supporting high-tech, scalable solutions built in India, for India and the world.

    Through this initiative, Bajaj Finance aims to invest in early-stage technology startups—from seed to Series B—that demonstrate strong innovation and scalability potential in AI, cybersecurity, quantum technologies, fintech, and consumer technology.

    The investment in TrueFan AI builds on an existing commercial relationship between the two companies. Bajaj Finance has already deployed TrueFan’s platform at scale, generating millions of personalized videos for customer engagement and dealer enablement. This supports Bajaj Finance’s broader strategy of deploying AI-led automation and personalization across its digital ecosystem.

    Rajeev Jain, Vice Chairman and Managing Director of Bajaj Finance, said, “As a FINAI company, we are deploying AI at scale across the company. Our investment in TrueFan AI follows sustained, production-scale use of its technology, giving us first-hand experience of the platform’s capabilities and its execution. This investment reflects our commitment to supporting proprietary AI innovation in India and our belief in TrueFan’s potential to drive enterprise adoption of AI-powered communication.”

    Nimish Goel, Co-founder and CEO of TrueFan AI, added, “Bajaj Finance is one of India’s most forward-looking enterprises in AI adoption. There is no stronger validation than seeing one of our largest customers also become a shareholder after experiencing our technology first-hand. It is a strong vote of confidence in the TrueFan AI team and what we have built. We look forward to deepening our partnership with Bajaj Finance and the wider Bajaj Finserv ecosystem.”

    Beyond the equity investment, Bajaj Finance and TrueFan AI intend to expand their collaboration across personalized marketing, video generation at scale, in-app live avatar assistance, AI-powered multilingual communication, dealer communication, learning and development, and digital onboarding. In line with Finserv Intelligence’s value-creation-first philosophy, the partnership will extend beyond financial investment to building technological capabilities and creating long-term strategic value.

    The TrueFan AI platform is built for enterprise-grade deployment, optimized for low-cost inference, high-volume generation, and seamless integration into existing enterprise workflows.

  • Top Fintech Stocks to Watch in July 2026: Global and Indian Picks for Digital Payments and Lending

    Top Fintech Stocks to Watch in July 2026: Global and Indian Picks for Digital Payments and Lending

    The fintech sector continues to surge, offering investors a mix of high-growth opportunities and varied risk profiles. From global payments leaders to Indian digital-finance champions, these seven stocks provide exposure to digital payments, lending, cross-border finance, and financial technology innovation.

    PayPal (PYPL, US)

    PayPal stock trades at $56.08 with a market cap of $49.53 billion, a P/E ratio of 10.64, and a dividend yield of 0.74%. Growth drivers include rising digital payments, merchant services, and new products like cryptocurrency and buy now, pay later (BNPL). The stock is down 27.72% over the past year after peaking in 2025, with a 52-week range of $38.46 to $79.50.

    Risks: Intensifying competition (Visa, fintechs), margin pressure, regulatory scrutiny.
    Thesis: PayPal’s entrenched network and transition to AI-driven merchant tools and crypto features could revive growth, though near-term execution and macro uncertainty temper the outlook.

    Block, Inc. (SQ, US)

    Block trades at $77.15 with a market cap of $45.92 billion, a P/E of 63.33, and average daily volume of 4.9 million shares. Its 52-week range is $48.21 to $84.08. Key drivers are Cash App (payments, Bitcoin) and SMB payment terminals (Afterpay BNPL). Analysts give a Positive/Buy rating.

    Risks: High valuation, crypto volatility, consumer spending slowdown.
    Thesis: Block’s diversified fintech ecosystem (POS, digital bank products, crypto) drives strong revenue growth. Prudent reinvestment and expansion in developing markets and crypto can reward long-term holders despite short-term volatility.

    Adyen (ADYEY, Netherlands)

    Adyen’s market cap is $28.55 billion, stock at $9.01. The company powers payments for global merchants (Netflix, Shopify) and expands in Asia. FY25 net revenue grew 17%, but market cap dropped 50% YoY amid margin pressure. P/E is 23.7, and analysts rate it Buy on 30%+ long-term EPS growth.

    Risks: E-commerce slowdown, pricing competition, FX swings.
    Thesis: Adyen’s unified platform and global reach support above-market growth. Despite headwinds, its conservative profitability and digital commerce migration make it attractive.

    Wise plc (WISE, UK)

    Wise market cap is £9.28 billion, FY25 revenue £1.212 billion, profit before tax £565 million. It has 10 million+ users for low-cost cross-border transfers and multi-currency accounts. P/E is 24.8. Analysts rate it Buy.

    Risks: FX risk, competition from banks and fintechs, economic downturn cutting remittances.
    Thesis: Wise dominates peer-to-peer currency transfers with a trusted brand and asset-light model. As cross-border payments grow, Wise should deliver steady profit growth.

    One97 Communications (PAYTM, India)

    Market cap: Rs. 82,213 crore ($9.8 billion), FY25 revenue Rs. 6,494 crore (+5.7% YoY). Turned profitable in FY26 (est. profit $5.4 billion). Paytm’s digital payments, financial services (UPI, wealth, lending), and commerce platforms fuel India growth. Q1 FY26 revenue rose 28% YoY to Rs. 2,410 crore. Analysts raised target to Rs. 1,476.

    Risks: Regulatory changes, intense competition (Google Pay, banks), profitability execution.
    Thesis: India’s leading fintech super-app with immense scale. Government push for digital finance and expansion into banking/loans should drive outsized growth. Suits high-growth, India-focused investors.

    Bajaj Finance (BAJFINANCE, India)

    Market cap: Rs. 6,30,565 crore, FY25 net profit Rs. 16,779 crore, AUM Rs. 4.17 lakh crore. Bajaj Finance offers consumer loans, BNPL, insurance, and app-based lending. Stock up 10% in one year, near fair value per analysts. P/E is 32.6.

    Risks: Rising credit defaults (auto, MSME loans), higher borrowing costs, regulatory lending limits.
    Thesis: Blends fintech innovation (BFL app) with prudent risk management. Should deliver 20%+ annual growth, strong franchise and capital make it a core long-term holding in India.

    MercadoLibre (MELI, Argentina/US)

    Market cap: $91.2 billion, FY25 net revenues over $30 billion (Q126: $8.8 billion, +49% YoY). Net income $1.99 billion (2025 estimate). Dominates Latin American e-commerce and fintech (MercadoPago payments, credit). Trades at 46x earnings. Analysts: Moderate Buy.

    Risks: Latin America economic instability, high valuation, rising competition.
    Thesis: With 600M+ addressable users and increasing fintech penetration, MercadoLibre is uniquely positioned. Diversified model (commerce + fintech) should generate strong double-digit growth. High-risk, high-reward.

    Frequently Asked Questions

    1. Which fintech stocks are included in this July 2026 list? The seven companies are PayPal, Block, Adyen, Wise, MercadoLibre, One97 Communications (Paytm), and Bajaj Finance.
    2. Which stock may suit value-focused fintech investors? PayPal’s P/E of 10.64 is considerably lower than peers, though its valuation reflects competition and margin concerns.
    3. Which two Indian fintech stocks are covered? One97 Communications (Paytm) and Bajaj Finance — the former high-growth digital ecosystem, the latter established consumer lending.
    4. Which stock carries the highest growth and valuation risk? Block and MercadoLibre, due to valuation and execution risks, crypto volatility, consumer spending, and economic instability.
    5. Are fintech stocks suitable for conservative investors? Fintech can be volatile. Conservative investors may prefer Bajaj Finance or PayPal over speculative high-growth names.

    Disclaimer: This article is for informational purposes only and does not constitute investment advice. Always conduct your own research before investing.

  • Why a 65-Inch TV in 2026 Needs AI Upscaling, Dolby Atmos, and 120Hz for the Ultimate Experience

    Why a 65-Inch TV in 2026 Needs AI Upscaling, Dolby Atmos, and 120Hz for the Ultimate Experience

    Most Indian households have one primary TV in the living room that handles everything — morning news, afternoon cricket, evening OTT, weekend films, and occasional gaming sessions. A 65-inch TV in 2026 is built for exactly this usage pattern, but what separates a genuinely good model from one that merely looks big comes down to five specific technologies.

    AI upscaling improves older and non-4K content, QLED and OLED panels deliver a more premium picture experience, and 120Hz with VRR makes sports and gaming look significantly smoother. Getting these features right matters far more than the brand name on the bezel.

    Five Technologies That Make a 65-Inch TV Worth the Upgrade in 2026

    1. Does AI Upscaling Make Older Content Look Better on a Large Screen?

    Yes. Most cricket broadcasts, Hindi films, and regional content are not natively 4K. AI upscaling analyzes each frame and improves lower-resolution content by:

    • Rebuilding texture detail
    • Reducing compression noise from streaming and broadcasts
    • Sharpening edges and minimizing motion blur
    • Adjusting picture settings for sports, films, or regular TV automatically

    On a 65-inch screen, the difference is noticeable across everyday content.

    2. What Is the Difference Between QLED and OLED at 65 Inches?

    The right panel depends on your room and viewing habits.

    For most Indian living rooms, QLED is the more practical premium choice. OLED delivers a better cinematic experience in darker rooms.

    3. How Does 120Hz Improve Gaming and Sport on a 65-Inch TV?

    A 120Hz panel refreshes twice as often as a standard 60Hz panel.

    • 120Hz refresh rate: Smoother movement in fast-paced games.
    • Variable Refresh Rate (VRR): Prevents screen tearing by matching the TV’s refresh rate to the console output.
    • Auto Low Latency Mode (ALLM): Automatically switches to Game Mode and reduces input lag.

    For cricket and football, 120Hz and AI motion processing make fast action and camera pans look cleaner.

    4. Does Spatial Audio on a 65-Inch TV Replace a Soundbar?

    Not entirely. Dolby Atmos processing creates a wider, more immersive sound experience, making crowds and movie effects feel more realistic. However, a dedicated Dolby Atmos soundbar still delivers superior audio performance.

    5. What Smart Features Matter Most on a 65-Inch TV in 2026?

    Google TV and Tizen remain the most well-supported platforms in India. They support major streaming apps, regular updates, and voice control. AI recommendations and universal search also make it easier for households to find content across multiple subscriptions.

    Price List of Best-Selling 65-Inch TVs in India in July 2026

    From budget 4K models to premium smart TVs, here are the best-selling 65-inch TVs in India:

    Disclaimer: EMIs and prices may vary by partner store, offer period, location, and variant. Please check the latest information at the partner store before purchase.

    How to Buy a 65-Inch TV from Bajaj Finance Partner Stores

    Bajaj Finance makes it straightforward to bring home the right 65-inch TV. Follow these steps to get started:

    1. Browse and compare online: Explore 65-inch TV models on Bajaj Mall and compare panel type, smart features, and audio before visiting a store.
    2. Visit partner stores: Check shortlisted models at Bajaj Finance partner stores and get expert guidance from in-store representatives.
    3. Opt for Easy EMI Loan: Finance up to Rs. 5 lakh with tenures of 3 to 60 months. Zero down payment available on select models.
    4. Check eligibility online: Verify your pre-approved limit using your mobile number and OTP.
    5. Use the Insta EMI Network Card: Existing cardholders can convert purchases into EMIs instantly through a paperless process.

    Whether you are comparing QLED vs OLED 65-inch TVs in India in 2026, looking for the best 65-inch TV under Rs. 1,00,000, or searching for 65-inch TVs with 120Hz and Dolby Atmos in India, Bajaj Finance makes the upgrade affordable.

  • How to Calculate Your Car Loan EMI: A Complete Step-by-Step Guide

    How to Calculate Your Car Loan EMI: A Complete Step-by-Step Guide

    Buying a car is a major financial decision for most households. While you may start by dreaming about a particular model or variant, the real choice often comes down to how comfortably you can repay the loan each month. A car loan allows you to spread the purchase cost over a fixed tenure, but your monthly repayment must fit your income, expenses, and long-term financial plans.

    This is where a car loan EMI calculator becomes invaluable. It helps you estimate your monthly instalment before you apply for a car loan. By entering the loan amount, repayment tenure, and interest rate, you can instantly check whether the EMI is manageable and compare different repayment options with clarity.

    Lenders like Bajaj Finance offer high-value new car loans with flexible repayment tenures and simple eligibility criteria. Before applying, you can use a car loan EMI calculator to compare repayment options and choose a plan that suits your income and expenses.

    What is a car loan EMI calculator?

    A car loan EMI calculator is an online tool that estimates your monthly instalment based on three key inputs:

    • Loan amount
    • Repayment tenure
    • Interest rate

    Once you enter these values, the calculator shows your estimated EMI. Some calculators also display the total interest payable and the total repayment amount. This tool saves time and removes guesswork — you can test different loan amounts, tenures, and interest rates within seconds.

    Why calculate your car loan EMI before applying?

    Calculating your EMI in advance helps you borrow within a comfortable range. A car is a long-term purchase, and the EMI should align with your monthly cash flow. Benefits include:

    • Understanding your monthly repayment amount
    • Comparing different loan tenures
    • Seeing how interest rate changes affect your EMI
    • Deciding the loan amount you can manage
    • Planning your down payment, if required
    • Avoiding financial strain

    For example, a longer tenure may lower your monthly EMI but increase total interest paid. A shorter tenure may raise the EMI but reduce the total repayment cost. The calculator helps you compare these trade-offs clearly.

    How does a car loan EMI calculator work?

    The calculator uses the loan amount, tenure, and interest rate to estimate your monthly instalment. Here is what each input means:

    • Loan amount: The amount you want to borrow for the car purchase.
    • Tenure: The repayment period over which you will repay the loan.
    • Interest rate: The rate charged by the lender on the loan amount.

    The calculator applies the standard EMI formula and shows your estimated monthly instalment.

    Step-by-step guide to calculating your car loan EMI

    Step 1: Enter the loan amount

    Start by entering the loan amount you want to borrow. This depends on the estimated on-road price of the car and how much you plan to pay upfront. The on-road price may include:

    • Ex-showroom price
    • Registration charges
    • Road tax
    • Insurance
    • Local charges
    • Accessories (if selected)
    • Other applicable costs

    The final on-road price may vary by city, variant, registration type, insurance plan, and other charges.

    Step 2: Select the repayment tenure

    Choose the repayment period. Tenure affects your EMI in two ways:

    • A longer tenure can reduce your monthly EMI.
    • A shorter tenure can reduce your total interest outgo.

    The right tenure balances a manageable EMI with a reasonable total cost.

    Step 3: Enter the interest rate

    Enter the applicable interest rate. Even a small change in the rate can significantly affect the total amount you pay over the loan tenure. Compare different EMI values before finalising your plan.

    Step 4: Review the EMI result

    Once you enter the three values, the calculator shows your estimated EMI. Review it carefully and ask yourself:

    • Can I pay this EMI every month?
    • Will I still have enough for regular expenses?
    • Can I manage fuel, insurance, service, and maintenance costs?
    • Does the tenure increase the total interest too much?
    • Should I increase the down payment to reduce the EMI?

    This step helps you choose a repayment plan that fits your income and lifestyle.

    What factors affect your car loan EMI?

    Your EMI is mainly affected by three factors:

    • Loan amount: A higher loan amount usually means a higher EMI.
    • Interest rate: A higher rate increases the EMI and total interest paid.
    • Tenure: A longer tenure lowers the EMI but may increase the total repayment cost.

    Other factors such as your CIBIL score, income, employment type, existing EMIs, and lender policy can also influence your loan terms.

    How Bajaj Finance New Car Loan fits into EMI planning

    The Bajaj Finance New Car Loan supports buyers who want structured repayment. It offers:

    • Funding from ₹1 lakh to ₹10 crore
    • Financing of up to 100%* of the car’s road price
    • Tenure options from 12 months to 96 months
    • Minimal documentation
    • Simple eligibility criteria

    Use the new car loan EMI calculator on the Bajaj Finance website before applying to estimate your monthly instalment and interest payable. Approval, loan amount, rate, and tenure are subject to eligibility and terms.

    A car loan EMI calculator helps you plan your car purchase with confidence. It shows the estimated monthly EMI, helps you compare tenure options, and gives you a clearer view of the total borrowing cost. Before applying for a car loan, enter the loan amount, select the repayment tenure, add the interest rate, and review the estimated EMI carefully.

    Frequently asked questions

    What is a car loan EMI calculator?

    An online tool that estimates your monthly EMI based on loan amount, repayment tenure, and interest rate.

    Is the EMI shown by the calculator final?

    No, it is an estimate. The final EMI depends on the approved loan amount, applicable interest rate, tenure, charges, and lender assessment.

    Can a longer tenure reduce my car loan EMI?

    Yes, a longer tenure can reduce your monthly EMI. However, it may increase the total interest paid over the loan period. Always compare EMI comfort with total repayment cost.

    What details do I need to use a car loan EMI calculator?

    You need three details: loan amount, repayment tenure, and interest rate.

    Can I use the calculator before choosing a car?

    Yes, you can use it before choosing a car to compare budgets, variants, down payment options, and loan tenures.

    *Terms and conditions apply.