Bajaj Finserv DSA Franchise

Bajaj Finserv DSA doesn't disclose the amount of any of these charges.

* Breakdown as published by Bajaj Finserv DSA. Bajaj Finserv DSA confirms one charge without disclosing the amount — get it in writing before you pay.

Ways to Partner with Bajaj Finserv DSA

1 partner model published by the brand. Figures it doesn't publish are left blank.

What the press, courts and real franchisees or customers have said about Bajaj Finserv DSA — summarised by us, with every source linked.

• regulatory· 2 May 2024

  RBI barred new sanctions under eCOM and Insta EMI Card (Nov 2023 - May 2024)

  RBI ordered Bajaj Finance on 15 Nov 2023 to stop sanctioning and disbursing loans under the two products, citing concerns, and lifted the curbs on 2 May 2024 after remedial steps. The restriction concerned consumer products, not the DSA channel.

  Source: Business Today
• regulatory· 16 Oct 2023

  RBI penalties on Bajaj Finance: Rs 2.5 Cr (Jan 2021) and Rs 8.5 lakh (Oct 2023)

  MoneyLife (IANS) reported RBI fined Bajaj Finance Rs 2.5 Cr in Jan 2021 for failing to ensure its recovery agents did not harass or intimidate customers. MoneyLife reported a further Rs 8.5 lakh penalty in Oct 2023 for non-compliance with the fraud-monitoring directions for NBFCs (certain frauds not reported or reported late). Both are past penalties on the lender, not on the DSA channel.

  Source: MoneyLife
• regulatory· 28 Apr 2026

  CRISIL reaffirms Bajaj Finance at AAA/Stable (28 Apr 2026)

  CRISIL reaffirmed AAA/Stable and A1+ and assigned AAA/Stable to a Rs 25,000 Cr NCD programme. It also flagged consolidated gross NPA rising to 1.21% at Dec 2025 (0.96% at Mar 2025), credit costs of 2.1% for nine months of FY26, return on managed assets falling to 3.7% from 3.9%, and about 35% of the portfolio in personal and consumer-durable loans.

  Source: CRISIL rating rationale

Key Terms at Bajaj Finserv DSA

The clauses that shape day-to-day running and your exit — read these before the fee.

Renewal

The partner is bound to Bajaj Finance as a partner for 5 years from the date the agreement is signed.

Payments to the brand

Payouts for sourced cases are disbursed in the payout cycle of the following month; the payout is earned on loans disbursed to customers the partner acquired.

Penalties

For manipulation or misrepresentation of sales compliance policies Bajaj can recover 1% or more of the payout on affected cases, dock incentives for a period, and/or deactivate the partner ID.

Exit

Bajaj can terminate the agreement 'forthwith' without a notice period in cases of such manipulation; notice and exit terms for a normal exit are not published.

Legal & Contract Summary

Key contract terms at a glance — read before you sign.

Who Can Apply for Bajaj Finserv DSA

Conditions the brand sets for partners, and the licences the business needs.

• Nationality and age: Indian; 18 years and aboveRequired
• KYC: Valid KYC; PAN, date of birth and bank details (name, account number, IFSC) are collected at onboardingRequired
• Employment link: Applicant and family must not be on-roll or off-roll employees of Bajaj Finance LimitedRequired
• Business documents (firms and companies): PAN, cancelled cheque or 3-6 months' bank statement, proof of business, constitution documents (partnership deed or MOA/AOA)Required

About the Brand

Bajaj Finserv DSA Outlet Network

These figures are for Bajaj Finance Limited (listed NBFC); Bajaj Finserv Limited holds 51.39% at 31 Mar 2025, not this brand alone — separate from what a single franchise outlet earns.

A profitable franchisor doesn't mean profitable franchisees. These are the company's numbers, not an outlet's. A franchisor can grow on fees and supplies while outlets struggle — talk to existing franchisees and see their accounts before you decide.

Company Health Check

What Bajaj Finserv DSA's franchisor company has filed with the registrar and the courts — the checks a lawyer would run before you sign.

Status with the registrar

Active

Annual filings

Up to date

Last AGM

24 Jul 2025

Pending cases against it

1

Pending cases it filed

0

Paid-up capital

₹622.6 Cr

Auditor

S R B C & Co LLP

Brand trademark

Not checked at IP India (captcha-gated)

Source: MCA records via Tracxn; CRISIL rating rationale (28 Apr 2026). Tracxn shows no insolvency (CIRP) flag. The nature of the one pending case as respondent is not shown. Parent Bajaj Finserv Limited (listed) not queried separately. IP India trademark and RBI NBFC register not checked directly. (checked Oct 2026)

How Bajaj Finserv DSA looks once the numbers are checked side by side.

• •Investment below the Business Services medianMidpoint ₹0 L vs a category median of ₹9.3 L across brands on FranchiseChuno.
• ✓The franchisor company is profitableIts latest filed accounts show a net profit. That's the franchisor's money, not yours: a profitable franchisor doesn't mean its franchisees make money. Check real outlet numbers before you invest.
• ✓Brand operating for 39 yearsFounded in 1987. The brand doesn't state when franchising began.
• !2 red flags in the news or public discussionSee Reputation & News below, and ask the brand to address each one.

Ask Before You Sign

Questions tailored to what Bajaj Finserv DSA does and doesn't publish.

1. 1Speak to at least 3 franchisees who have run an outlet for 2+ years and see their actual monthly sales and profit — a franchisor making money doesn't mean its franchisees do.
2. 2Ask for every upfront payment in writing — deposit, onboarding, equipment or stock — and which parts are refundable.
3. 3Ask exactly how your margin or commission is calculated, when it's paid, and whether the brand can change it.
4. 4Ask whether you get an exclusive territory, and how large it is.
5. 5Ask the brand to respond to each red flag listed under Reputation & News.
6. 6Have a lawyer review the franchise agreement before paying anything.
7. 7Visit 2–3 existing outlets and speak to their owners without the brand present.

What Bajaj Finserv DSA franchisees say

We haven't yet heard from enough Bajaj Finserv DSA franchisees to show anything. We publish totals once 3 or more people who run an outlet have answered and we've called each one to check.

Frequently Asked Questions