Bajaj uses ACTICO Rules as central decisioning and pricing engine

Bajaj Finance Ltd, a non-banking financial company in India, chose ACTICO Rules as central rule engine, seamlessly integrated into its loan origination system, to meet its claim of profitable growth and operational efficiency.


  • Replacement of inbuilt rule engine and decoupling of the business rules maintenance from the loan origination system
  • Empower business users to take ownership of business logic

Quick time-to-market for new lending rules

In order to achieve a clear competitive advantage, rules for lending need to be implemented and executed quickly. ACTICO Rules supports this challenge. A particular advantage of the software is that business users are able to easily create and configure business rules without having the IT department to program these rules, thereby gaining independence from release cycles. This reduces iteration cycles between the business and IT departments.


Extend the use of ACTICO Rules to other business areas

Business rules are now no longer hard-coded, but are modeled and configured by business users via a graphical user interface. In addition, less regression testing is required since business rules are modeled in ACTICO Rules, and business teams can perform simulations within rule engine itself before going live. This resulted in a considerable saving of time and resources. The management is already planning to extend the use of ACTICO Rules to other business areas.

The management is extremely satisfied with the product, as stated by Anurag Chottani, CIO, Bajaj Finance Ltd, "ACTICO Rules helped Bajaj Finance in having a flexible and centralized credit decisioning capability integrated with our loan origination system. ACTICO Rules allows us to quickly deploy the decisioning workflows on the platform without having to extensively develop programs or software coding."


Bajaj Finance Ltd (BFL), a subsidiary of Bajaj Finserv, is a 29-year-old non-banking financial company in India. The company portfolio covers consumer finance, SME (small and medium-sized enterprises) and commercial lending, as well as wealth management. Apart from being the largest financier of consumer durables in India, the company’s focus lies on profitable growth and operational efficiency to deliver best results to all its stakeholders.