Brands
Honda Cars India & Bajaj Finance collaborate for festive financing solutions
Mumbai: Honda Cars India Ltd (HCIL), leading manufacturer of premium cars in India, has partnered with Bajaj Finance Ltd, the lending arm of Bajaj FinServ Ltd, a leading financial services group in India, to offer attractive and affordable finance solutions for its customers. The partnership will help Honda customers avail exciting car finance schemes with low rate of interest and hassle-free quick sanction of loans on purchase of Honda Amaze, Honda City and soon-to-be-launched new SUV; Honda Elevate.
Under this partnership, Bajaj Finance Ltd will provide Honda customers with customised retail finance schemes with the introduction of Flexi Pay Scheme & digital-first experience, including up to 100 per cent on-road funding, providing Low rate of interest (RoI) starting from 8.75 per cent, hassle-free sanction with lower turnaround time as low as 30 min, among others To ensure greater convenience, the entire financing process will be enabled through a digital customer journey for loan disbursement process.
Speaking on the occasion Honda Cars India vice president, marketing & sales Kunal Behl said, “At Honda Cars India, we are dedicated to delivering top-notch services to our customers and we are excited about this partnership with Bajaj Finance. This alliance allows us to offer more financing options to our customers and enhance their ownership experience. The various schemes and options which will be offered by Bajaj Finance will lead to an affordable and accessible personal mobility solutions to a diverse set of valued customers.”
Bajaj Auto Finance chief business officer Siddhartha Bhatt added “Through our digital-first approach & affordable solutions (Flexi Loans), we strive to make car buying incredibly easy & affordable for our customers. Our straight-through process is aimed at improving convenience and speed of loan disbursement. We are delighted to join hands with Honda Cars India to provide hassle-free and flexible financing solutions to customers for owning a Honda vehicle in a very accessible and rewarding manner.”
Honda Cars India and Bajaj Finance are confident that this collaboration will strengthen their position in the market and reaffirm their shared mission of providing outstanding auto financing solutions to customers.
Bajaj Finance is a technology-driven NBFC, offering a comprehensive suite of financial solutions and focused on enhancing customer experience digitally.
HCIL has been taking initiatives to make car buying more attractive and rewarding for its customers. HCIL has partnered with multiple financiers such as PSU Banks, Retail Financiers, and NBFCs to enhance car buying experience for its customers, offering consumers a wide range of financial solutions to match their diverse needs.
Brands
Microsoft faces worst quarter since 2008 financial crisis
Cloud giant battles soaring AI costs and fierce competition from nimble startups.
MUMBAI: When the tech titan starts looking a little wobbly, even the Magnificent Seven can feel the tremors because Microsoft is currently starring in its own sequel, “Clouds and Doubts.” Microsoft is on track for its worst quarterly performance since the 2008 global financial crisis, according to Bloomberg, as investors grow increasingly uneasy about rising capital expenditure and intensifying competition from nimble AI firms. The company has been pouring money into AI infrastructure, yet markets are questioning when these hefty investments will finally deliver stronger revenue growth.
At the same time, investors are shifting away from traditional software stocks amid fears that AI startups such as Anthropic and OpenAI are developing autonomous agents capable of replacing established products, including those from Microsoft. Jonathan Cofsky, portfolio manager at Janus Henderson Investors, noted growing concern that customers may bypass Microsoft and deal directly with AI vendors, potentially disrupting its core business and putting pressure on pricing and margins.
Microsoft’s stock has tumbled 25 per cent in the first quarter, putting it on course for its largest drop since a 27 per cent fall in the fourth quarter of 2008. It has also emerged as the weakest performer among the so-called Magnificent Seven technology stocks, while a broader index tracking the group has fallen 14 per cent over the same period. The shares slipped a further 1.7 per cent after markets opened on Friday, marking a potential fourth consecutive session of declines.
Cofsky pointed out that Microsoft has become more capital intensive and that improved investor confidence will hinge on assurances that software growth will not slow materially. Despite the sell-off, the stock is now trading at less than 20 times projected earnings over the next 12 months, its lowest valuation level since June 2016. Its valuation remains slightly above that of the S&P 500 Index, although it has recently traded at a discount to the broader benchmark for the first time since 2015.
Bloomberg data shows Microsoft’s capital expenditure, including leases, is expected to surge to $146 billion in fiscal 2026, up around 66 per cent from $88 billion in fiscal 2025. Spending is projected to climb further to $170 billion in fiscal 2027 and $191 billion in fiscal 2028, based on average estimates. Investors are growing cautious about such levels of spending without clearer signs of stronger growth.
Microsoft’s Azure cloud division has reported a slight slowdown in growth compared with the previous quarter, while its Copilot AI product has seen limited user traction, prompting internal changes aimed at improving performance. Ben Reitzes, an analyst at Melius Research, warned in a March note that Microsoft’s upside in Azure could be constrained as the company works to address challenges related to its AI models and Copilot offering, adding that these issues are unlikely to be resolved in the short term.
Of the 67 analysts covering Microsoft, 63 maintain buy ratings, three hold ratings and one a sell rating. The average 12-month price target of $592 implies a potential upside of more than 64 per cent, the highest on record based on data going back to 2009. The stock is also trading below its 200-day moving average by the widest margin since 2009.
Reitzes suggested the dominance of buy ratings may indicate complacency among analysts, while highlighting risks in Microsoft’s productivity and business processes segment as well as its More Personal Computing division. In contrast, Tal Liani of Bank of America reinstated coverage with a buy rating, citing durable multi-year growth prospects across cloud and AI. Jake Seltz, portfolio manager at Allspring Global Investments, maintained that Microsoft retains strong long-term value and that its AI strategy is likely to be validated over time, viewing near-term concerns as a potential opportunity for longer-term investors.
The report highlights a growing divergence in market sentiment, with optimism around long-term AI potential weighed against immediate execution risks and investor uncertainty. In the world of big tech, even the mightiest clouds can have silver linings but right now, Microsoft’s investors are scanning the horizon for clearer skies.
