About Bajaj FinaNCE

Bajaj Finance Limited, a subsidiary of Bajaj Finserv, is an Indian Non-Banking Financial Company (NBFC). The company deals in Consumer Finance, SME (Small and Medium-sized Enterprises), Commercial Lending, and Wealth Management. Headquartered in Pune, Maharashtra, the company has 294 consumer branches and 2,392 locations with over 114,000+ distribution points.

Make Credit Decisions

Replacing the Rule Engine Embedded Inside the Loan Origination System

At Bajaj Finance, all business rules and credit decision parameters were firmly implemented in the loan origination system. It decided to move the same to a flexible and agile environment of ACTICO Rules.


Inconvenience Due to Hard Coded Business Logic

The maintenance of business rules and decisioning strategies in the in-built rule engine was inconvenient as most of them were hard-coded. The target was to decouple the maintenance of business rules from the loan origination system and empower business users to adapt the rule models.


  • Replacement of inbuilt rule engine
  • Decoupling of the business rules maintenance from the loan origination system
  • Empower business users to take ownership of credit decisioning parameters

Quick Deployment of New Business Rules

ACTICO Rules speeds up time to market of new business rules and makes maintenance easier. This is made possible by the graphical modeling environment, which makes the development time faster and enables better organizational harmony by putting more power in hands of the business user. The solution also seamlessly integrates with the company’s loan origination system and data warehouse.


More Agility, Faster Time to Market

Bajaj is now able to roll out business decisions much faster, as the company’s business users are now in control of the decisioning and pricing parameters. Furthermore, less regression testing is required since rules are modelled using ACTICO, and business teams can perform simulations within rule engine itself before going live.

ACTICO Platform – the Business rules engine

Bajaj is now able to roll out business decisions much faster, as business users are now in control of the business logic.

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