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Bajaj Finserv Insta EMI Card – Training Module

Step-by-Step Onboarding Process

Visit the Portal: Go to the Link you provide by your Team Leader.
Enter Mobile Number: Enter your 10-digit phone number and verify it using the OTP received.
Fill Application Details: Provide full name, PAN, date of birth, employment type, and address pin code.
Check Limit: View your pre-qualified EMI card loan amount.
Complete KYC: Complete digital KYC via Aadhaar Card or DigiLocker.
Pay Fee: Pay the one-time joining fee of ₹530.
Activate e-Mandate: Provide bank account details and IFSC code to set up AutoPay/e-mandate for automatic EMI deductions.
Access Card: After successful verification and activation, view your virtual card on the Bajaj Finserv app.

Important Post-Onboarding Steps

First Use: To fully activate the card, you must make an initial purchase at a physical Bajaj Finserv partner store.
Wait Period: After the first purchase, you can use the card online. Note that your next purchase is usually permitted 45 days after the first purchase, or once the first EMI is successfully debited.

1. Training Objective

इस training के बाद BDE:

Bajaj Finserv Insta EMI Card को समझ सके
सही customer target कर सके
EMI card activation करवाकर conversion कर सके
₹530 subscription payment conversion achieve कर सके

🟦 2. Product Overview

❓ What is Insta EMI Card?

👉 Bajaj Finserv Insta EMI Card एक digital EMI card है जिससे customer:

बिना credit card के shopping कर सकता है
हर purchase को EMI में convert कर सकता है
Online + offline दोनों जगह use कर सकता है

🟦 3. Key Features

💳 Card Benefits

Limit up to ₹3,00,000
Easy EMI (up to 24–60 months)
100% digital process
Instant approval (eligible users)

🛍️ Usage Network

1.5 लाख+ partner stores
4000+ cities (PAN India)

👉 Online + offline दोनों जगह use possible

🟦 4. Target Audience (Very Important)

🎯 सही customer कौन है?

Age: 21–54 years
Gender: Male & Female
CIBIL: 720+ (high approval)
Salaried person (higher approval rate)

👉 PAN India targeting

🟦 5. KPI & Earning Logic

👉 Conversion तभी count होगा जब:

✔ New user हो
✔ ₹530 subscription payment complete करे

👉 यही आपका main Salary trigger है

🟦 6. Sales Pitch (Ready Script)

🗣️ Opening Line:

“Sir, aap bina credit card ke bhi ₹3 lakh tak shopping kar sakte ho EMI par”

💡 Value Pitch:

“Aapko instant approval mil sakta hai aur 100% online process hai”

🔥 Closing:

“Sir sirf ₹530 activation hai, main abhi apply karwa deta hu”

🟦 7. Marketing Channels (Allowed)

BDE / Marketing team इन channels का use कर सकते हैं:

🟦 8. SMS Campaign Training

📩 Sample SMS Lines:

“Get instant approval on activation for Bajaj Finserv Insta EMI Card. Apply now!
“Shop now and pay later with Bajaj Finserv Insta EMI Card. Apply now!
“Loan limit up to ₹3 lakh. Easy EMI. Get now {#var#}”

👉 Important:

अपना DLT header use करना है
CTA link add करना mandatory है

🟦 9. Email Campaign Training

📧 Subject Lines:

Shop on Easy EMI with Bajaj Finserv Insta EMI Card
Get your Insta EMI Card with limit up to ₹3 lakh

👉 Email में include करें:

Benefits
Limit
Apply CTA
EMI flexibility

🟦 10. Customer Journey (Step-by-Step)

Lead generate (SMS / WhatsApp / Call)
Customer eligibility check
Application start
KYC verification
₹530 subscription payment
Card activation

🟦 11. Approval Logic (Important for BDE)

✔ High approval chances if:

Salaried customer
Good CIBIL (720+)
सही details

❌ Low approval if:

Low CIBIL
गलत info
बेरोजगार

🟦 12. Common Objections & Answers

❓ Customer: “Mere paas credit card nahi hai”

👉 Answer:

“Sir isi liye Insta EMI Card best hai — bina credit card ke EMI milti hai”

❓ Customer: “₹530 kyun pay karna hai?”

👉 Answer:

“Sir ye activation fee hai, iske baad aap ₹3 lakh tak EMI use kar सकते हो”

🟦 13. Common Mistakes (Avoid)

❌ Wrong targeting (low CIBIL)
❌ ₹530 payment explain नहीं करना
❌ Follow-up नहीं करना
❌ Wrong expectation set करना

🟦 14. Daily BDE Activity Plan

50 leads outreach
20 interested customers
10 applications
3–5 conversions (payment)

🟦 15. Training Assessment

Insta EMI Card क्या है?
Target CIBIL कितना होना चाहिए?
Activation amount कितना है?
KPI क्या है?
कौन सा customer ज्यादा approve होता है?

🟦 16. Final Summary

✔ High ticket product
✔ EMI = strong hook
✔ PAN India scale
✔ Digital onboarding

👉 Golden Rule:

Right Customer + ₹530 Payment = Successful Conversion

🔥 Ratro Strategy

Training Assessment – Bajaj Finserv Insta EMI Card

🟦 1. Assessment Overview

Total Questions: 30
Type: MCQ + Scenario + Practical
Passing Marks: 70%
Duration: 25 Minutes

🟦 2. Section A – Product Knowledge (MCQ)

Q1. Insta EMI Card क्या है?

A. Credit Card
B. Loan App
C. EMI Shopping Card
D. Debit Card
✔ Correct: C

Q2. Insta EMI Card किस company का product है?

A. HDFC
B. SBI
C. Bajaj Finserv
D. ICICI
✔ Correct: C

Q3. Maximum limit कितना मिल सकता है?

A. ₹50,000
B. ₹1 Lakh
C. ₹2 Lakh
D. ₹3 Lakh
✔ Correct: D

Q4. EMI tenure कितना होता है?

A. 3 months
B. 6 months
C. 12 months
D. Up to 24–60 months
✔ Correct: D

Q5. Card कहाँ use कर सकते हैं?

A. Only online
B. Only offline
C. Both
D. ATM
✔ Correct: C

🟦 3. Section B – Targeting & Eligibility

Q6. सही target age क्या है?

A. 18–60
B. 21–54
C. 25–65
D. All
✔ Correct: B

Q7. Ideal CIBIL score कितना होना चाहिए?

A. 600+
B. 650+
C. 720+
D. 500+
✔ Correct: C

Q8. किस customer का approval ज्यादा होता है?

A. Student
B. Unemployed
C. Salaried
D. Minor
✔ Correct: C

Q9. Location targeting क्या है?

A. Metro cities only
B. Rural only
C. PAN India
D. Tier 1 only
✔ Correct: C

Q10. कौन eligible नहीं है?

A. Salaried
B. Business owner
C. Low CIBIL user
D. Working professional
✔ Correct: C

🟦 4. Section C – Sales & Conversion

Q11. KPI क्या है?

A. Lead generation
B. App install
C. ₹530 payment
D. Click
✔ Correct: C

Q12. Conversion कब count होगा?

A. Form fill
B. App download
C. Payment complete
D. OTP verify
✔ Correct: C

Q13. Activation fee कितना है?

A. ₹100
B. ₹299
C. ₹530
D. Free
✔ Correct: C

Q14. सही sales pitch क्या है?

A. Free card
B. Loan card
C. EMI shopping without credit card
D. Insurance
✔ Correct: C

Q15. Closing line क्या होना चाहिए?

A. सोच लो
B. बाद में करना
C. ₹530 देकर activate कर लो
D. Free है
✔ Correct: C

🟦 5. Section D – Marketing Knowledge

Q16. Allowed channel कौन सा है?

A. Telegram
B. SMS
C. Cold call only
D. Newspaper
✔ Correct: B

Q17. कौन सा channel allowed है?

A. WhatsApp
B. Instagram DM
C. Random Ads
D. None
✔ Correct: A

Q18. Email campaign का use क्यों होता है?

A. Branding
B. Conversion
C. Follow-up
D. All
✔ Correct: D

Q19. SMS में क्या जरूरी है?

A. Image
B. CTA link (Whatsapp Par Har Team Leader ka Alag se CTA Link Mil Jayega)
C. Video
D. PDF
✔ Correct: B

Q20. DLT में क्या जरूरी है?

A. Template
B. Header
C. Both
D. None
✔ Correct: C

🟦 6. Section E – Scenario Based Questions

Q21. Customer कहता है “मेरे पास credit card नहीं है”

👉 सही जवाब क्या होगा?
✔ Answer: EMI card बिना credit card के काम करता है

Q22. Customer ₹530 देने से मना करता है

👉 क्या बोलोगे?
✔ Answer: यह activation fee है जिससे ₹3 लाख limit unlock होती है

Q23. Low CIBIL customer apply करना चाहता है

👉 क्या करोगे?
✔ Answer: Avoid / explain low approval

Q24. Customer interested है पर confused है

👉 क्या करोगे?
✔ Answer: Benefits explain + instant apply

Q25. Customer salary वाला है

👉 क्या करना चाहिए?
✔ Answer: तुरंत apply करवाना (high approval)

🟦 7. Section F – Practical Task

Task 1:

👉 Customer को live pitch करें

Task 2:

👉 Lead से conversion तक explain करें

Task 3:

👉 WhatsApp message draft करें

🟦 8. Section G – WhatsApp Pitch Test

👉 Example Answer:

“Sir aap bina credit card ke EMI par shopping kar sakte ho, ₹3 lakh tak limit milti hai. Sirf ₹530 activation hai, main abhi apply karwa deta hu.”

🟦 9. Scoring System

MCQ (20 × 2) = 40 marks
Scenario (5 × 4) = 20 marks
Practical (3 × 10) = 30 marks

👉 Total = 100 Marks
✔ Passing = 70 Marks

🟦 10. Certification Criteria

✔ 70%+ = Pass
✔ 85%+ = Expert
✔ 95%+ = Top Performer

🟦 11. Final Evaluation Checklist

✔ सही targeting
✔ सही pitch
✔ ₹530 conversion understanding
✔ objection handling

🏁 Final Conclusion

👉 Success Formula:

Right Customer + सही Pitch + ₹530 Payment = High Conversion