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A REPORT ON

STUDY OF CONSUMER BEHAVIOUR TOWARDS

FINANCING

By

A.ABHINAV

(Roll No. : 121106)

(PGDM-MARKETING & FINANCE)

VIGNANA JYOTHI INSTITUTE OF MANAGEMENT

HYDERABAD

A report submitted in partial fulfilment of the requirements of

PGDM

(BATCH-XX)

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Declaration

I A.ABHINAV hereby declare that the project report entitled Consumer behaviour

towards financing at Bajaj Finserv Ltd submitted by me is an original and bonafide work

undertaken by me in partial fulfilment of the requirement of the course of PGDM.

I also declare that this project is the result of my own effort and is not submitted to any other

Institution or university for the award of any degree/diploma certificate or published any time

before. However, in an attempt to make this project with my best effort, I have also collected

information from various other secondary sources.

Date:

A.ABHINAV

PGDM (MARKETIN& FINANCE)

VJIM, HYDERABAD

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ACKNOWLEDGEMENT

I take this opportunity to express my gratitude to my guides both in the academia and Bajaj

Finserv Ltd and also to my team mates and colleagues who have helped me in this endeavour.

I wish to express my deep sense of gratitude and offer my heartiest regards to my project

guide Mr. K. Suresh. This project would not have been the light of the day without his

guidance. I express my special thanks to Course Coordinator and other faculty members for

their cooperation and encouragement.

I am extremely indebted to my respected project guide, Mr. Amar Kumar, Sales Executive

at Yesmart, Kukatpally for his valuable guidance, close supervision and helpful suggestion

over the past two months. He inspired and encouraged me to work all through the training

period. I am really thankful to him for allowing me to handle such a big project and opening

up tremendous learning opportunities in front of me. I also extend my sincere thanks to Mr.

Suresh Sales Executive at Yesmart, Kukatpally for his suggestions and help.

Further I would like to thank Mr. Praveen Assistant Sales Manager and Team leader for

guiding me patiently with valuable inputs at every stage of the project and bringing out the

best in me.

I wish to specially thank my parents and friends for the support and help they have provided

in this project directly or indirectly.

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Executive Summary

This project is assigned to me to know the consumer behaviour towards financing at BAJAJ

FINSERV Ltd. Company provides a broad range of loaning products for different type of

products. But this study is pertaining to consumer durable goods only. Company is providing

loan at 0 % of interest for consumer durable goods only.

Company is providing different of schemes for consumer durable products with respect to

festivals, weekends and weekdays. This specific study is limited to study the consumer

behaviour towards financing at YESMART store Kukatpally, Hyderabad.

The main objective of study was to study which type of customers prefer financing for a

product depending upon their salary, cost of the product, and interest on the product etc. High

technology products like Laptop, mobile and Digital cameras are charged an interest of 7%

and processing fee for financing the product.

The study was a resultant of a market research of seventy sample respondents. Questionnaires

are used for primary data resource. Internal data of company and sales person experience are

used as secondary data research. It was a random sampling plan.

I found that most selling products were AC, Air cooler and Refrigerators .Daikin AC is the

most preferred brand in AC segment, Symphony and Bajaj among Air coolers and Samsung

among refrigerators. Products were offered at a low price compared to most of the stores but

the dealer buy down charges was a disadvantage which leads to loosing certain amount of

customers.