I have got my air conditioner financed through bajaj finserv and they are very nice people to deal with my loan was approved on the spot and had no problems at all during my loan tenure. I also got my emi card on time. the main benefit is 0% interest on most electronic items. I would recommend financing electronic items through bajaj finserv. I am looking for buying a mobile phone next month through my emi card lets hope my expectations are met.