Bajaj Finserv Placement Papers 2026

Last Updated: March 2026

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Company Overview

Bajaj Finserv is one of India's largest non-banking financial companies (NBFCs) and a subsidiary of the Bajaj Group. It offers a diversified range of financial products including personal loans, home loans, insurance, investments, and digital payment solutions through its Bajaj Pay platform.

Key Facts:

• Founded: 2007 (Bajaj Finance Ltd established in 1987)
• Headquarters: Pune, Maharashtra
• Employees: 40,000+
• Revenue: Rs 80,000+ crore (FY 2025)
• Market Cap: Rs 2.5+ lakh crore
• Business Verticals: Bajaj Finance, Bajaj Allianz Life Insurance, Bajaj Allianz General Insurance, Bajaj Finserv Health

Bajaj Finserv is known for its aggressive digital transformation initiatives, making it a sought-after employer for tech graduates. The company hires heavily from Tier-1, Tier-2, and Tier-3 engineering colleges across India during the April-June placement season.

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Eligibility Criteria

Criteria	Requirement
Degree	B.Tech/B.E, M.Tech, MCA, BCA, B.Sc (CS/IT)
Branches	CSE, IT, ECE, EEE, Mathematics, Statistics
Academic Score	60%+ or 6.0 CGPA in X, XII, and Graduation
Backlogs	No active backlogs at time of application
Gap	Maximum 1 year gap allowed
Experience	Freshers (0 years) for campus roles

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CTC & Compensation

Role	CTC (Fresher)	In-Hand (Approx)
Software Developer	Rs 6-10 LPA	Rs 42,000-65,000/month
Data Analyst	Rs 5-8 LPA	Rs 35,000-55,000/month
Business Analyst	Rs 5-7 LPA	Rs 35,000-48,000/month
DevOps Engineer	Rs 7-10 LPA	Rs 48,000-65,000/month
QA Engineer	Rs 5-7 LPA	Rs 35,000-48,000/month

Note: CTC varies based on role, location (Pune HQ vs other offices), and college tier. Top performers from premier institutes may receive higher offers.

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Selection Process

The Bajaj Finserv campus recruitment process typically consists of the following rounds:

1. Online Aptitude Test - Quantitative ability, logical reasoning, verbal ability
2. Technical MCQ Round - Programming concepts, DBMS, OS, networking
3. Coding Round - 2-3 programming problems on a coding platform
4. Technical Interview (1-2 rounds) - DSA, project discussion, CS fundamentals
5. HR Interview - Behavioral questions, salary expectations, location preference

The entire process usually takes 1-2 days during campus drives. Off-campus candidates may face an additional telephonic screening round.

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Exam Pattern

Section	Questions	Duration	Topics
Quantitative Aptitude	20	25 min	Profit/Loss, Time & Work, Percentages, SI/CI
Logical Reasoning	15	20 min	Puzzles, Coding-Decoding, Blood Relations, Syllogisms
Verbal Ability	10	10 min	Reading Comprehension, Grammar, Sentence Correction
Technical MCQs	20	25 min	OOP, DBMS, OS, Data Structures, Networking
Coding	2-3	45 min	Array/String problems, Dynamic Programming

Total Duration: Approximately 125 minutes Negative Marking: No (in most campus drives) Platform: HirePro / AMCAT (varies by campus)

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Aptitude Questions

Q1: Compound Interest Calculation

A sum of Rs 10,000 is invested at 10% per annum compounded annually. Find the amount after 2 years.

Solution: A = P(1 + r/100)^n = 10000(1 + 10/100)^2 = 10000 x 1.21 = Rs 12,100

Q2: Time and Work

A can complete a job in 12 days, B can complete it in 18 days. If they work together for 4 days, what fraction of work remains?

Solution: Combined rate = 1/12 + 1/18 = 5/36 per day Work done in 4 days = 4 x 5/36 = 20/36 = 5/9 Remaining = 1 - 5/9 = 4/9

Q3: Percentage Problem

A shopkeeper marks up goods by 25% and then offers a 10% discount. What is his profit percentage?

Solution: Let CP = 100. MP = 125. SP = 125 x 0.9 = 112.5 Profit % = (112.5 - 100)/100 x 100 = 12.5%

Q4: Probability

Two dice are thrown. What is the probability that the sum is 7?

Solution: Favorable outcomes: (1,6), (2,5), (3,4), (4,3), (5,2), (6,1) = 6 Total outcomes = 36 Probability = 6/36 = 1/6

Q5: Ratio and Proportion

The ratio of ages of A and B is 4:5. After 5 years, their ratio becomes 5:6. Find the present age of A.

Solution: Let ages be 4x and 5x. (4x + 5)/(5x + 5) = 5/6 24x + 30 = 25x + 25 x = 5. Age of A = 4 x 5 = 20 years

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Technical Questions

Q1: What is the difference between an abstract class and an interface in Java?

Q2: Explain normalization in DBMS. What are 1NF, 2NF, and 3NF?

Q3: What is a deadlock in operating systems? How can it be prevented?

Q4: Explain the concept of indexing in databases.

Q5: What is the difference between TCP and UDP?

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Coding Questions

Q1: Two Sum Problem

Given an array of integers and a target sum, return indices of two numbers that add up to the target.

def two_sum(nums, target):
    seen = {}
    for i, num in enumerate(nums):
        complement = target - num
        if complement in seen:
            return [seen[complement], i]
        seen[num] = i
    return []

# Example: two_sum([2, 7, 11, 15], 9) -> [0, 1]

Time Complexity: O(n) | Space Complexity: O(n)

Q2: Check if a String is a Palindrome

Given a string, check if it reads the same forwards and backwards, ignoring non-alphanumeric characters.

def is_palindrome(s):
    cleaned = ''.join(c.lower() for c in s if c.isalnum())
    return cleaned == cleaned[::-1]

# Example: is_palindrome("A man, a plan, a canal: Panama") -> True

Q3: Find the Maximum Subarray Sum (Kadane's Algorithm)

Given an integer array, find the contiguous subarray with the largest sum.

def max_subarray(nums):
    max_sum = current_sum = nums[0]
    for num in nums[1:]:
        current_sum = max(num, current_sum + num)
        max_sum = max(max_sum, current_sum)
    return max_sum

# Example: max_subarray([-2, 1, -3, 4, -1, 2, 1, -5, 4]) -> 6

Time Complexity: O(n) | Space Complexity: O(1)

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HR Interview Questions

1. Tell me about yourself. Focus on your education, projects, internships, and why fintech interests you.
2. Why Bajaj Finserv? Mention the company's market leadership, digital initiatives, and growth trajectory.
3. Where do you see yourself in 5 years? Show ambition aligned with the company — mention roles like Senior Developer or Tech Lead.
4. Are you comfortable relocating to Pune? Be honest. Bajaj Finserv HQ is in Pune, and most tech roles are based there.
5. How do you handle pressure and tight deadlines? Give a specific example from academics or projects.
6. What is your expected salary? Research the role's market rate and mention a reasonable range.
7. Do you have any questions for us? Always ask about team structure, tech stack, or learning opportunities.

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Preparation Tips

1. Aptitude Practice: Solve 50+ problems daily from R.S. Aggarwal or IndiaBix. Focus on percentages, profit/loss, time-distance, and probability.
2. Technical Fundamentals: Revise OOP, DBMS (SQL queries, normalization, joins), OS (process management, memory, scheduling), and networking basics.
3. Coding Practice: Solve 100+ problems on LeetCode or GeeksforGeeks. Focus on arrays, strings, hash maps, and dynamic programming.
4. Mock Interviews: Practice with friends or platforms like Pramp/InterviewBit. Record yourself and review.
5. Company Research: Understand Bajaj Finserv's products (personal loans, Bajaj Pay, insurance), recent news, and digital transformation initiatives.
6. Resume: Keep it to 1 page. Highlight projects with tech stack, quantified impact, and relevant skills.
7. Communication: Practice clear, concise answers for HR rounds. Prepare STAR method responses for behavioral questions.

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Previous Year Cutoffs

College Tier	Written Test Cutoff	Final Selection Rate
Tier 1 (IITs, NITs)	65%+	~30% of shortlisted
Tier 2 (BITS, VIT, SRM)	70%+	~20% of shortlisted
Tier 3	75%+	~10% of shortlisted

Cutoffs are approximate and vary year to year based on number of applicants and vacancies.

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FAQs

Does Bajaj Finserv hire freshers from non-CS branches?

Yes, Bajaj Finserv hires from ECE, EEE, and other engineering branches for roles like Business Analyst, QA Engineer, and Data Analyst. For Software Developer roles, CSE/IT candidates are generally preferred, but non-CS candidates with strong coding skills and relevant projects are also considered.

What is the tech stack used at Bajaj Finserv?

Bajaj Finserv primarily uses Java, Spring Boot, and Microservices for backend development. The frontend stack includes React and Angular. They also use Python for data analytics, AWS for cloud infrastructure, and Kafka for event streaming. Mobile development uses React Native and Kotlin.

How difficult is the Bajaj Finserv coding round compared to other companies?

The coding round is moderate difficulty, similar to LeetCode Medium level problems. Questions typically involve arrays, strings, hash maps, and basic dynamic programming. Unlike product companies like Google or Amazon, the focus is more on clean code and problem-solving approach than on solving the hardest algorithmic challenges. Practicing 100-150 LeetCode problems (Easy to Medium) should be sufficient preparation.

Is there a bond or service agreement at Bajaj Finserv?

Some roles may have a service agreement of 12-18 months. This varies by role and batch. Confirm the specific terms during the offer stage.

What are the work locations for freshers?

Most tech roles are based at the Pune headquarters. Some positions may be in Bangalore or Gurugram depending on the business vertical. Remote/hybrid work policies depend on the team and role.

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All the best for your Bajaj Finserv placement preparation! Focus on strong aptitude, solid technical fundamentals, and clear communication to crack the selection process.