At half-past three on a Thursday afternoon, we are ushered into a lounge on the 6^th floor of Bajaj Finserv’s Pune headquarters. We’re here to meet Sanjiv Bajaj, vice-chairman of the holding company which owns, in terms of market cap, the country’s second-largest non-banking finance company (NBFC); the most-profitable private general insurance company and the biggest private life insurer in terms of lives covered. Bajaj steps out of a marathon executive meeting to speak with us but appears relaxed and unhurried as he settles down to talk about his company’s metamorphosis over the past decade.