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Bajaj Finance Ltd. operates as a non-banking financial company. The company is headquartered in Pune, Maharashtra and currently employs 43,147 full-time employees. The firm is engaged in the business of lending and accepting deposits. The company has a diversified lending portfolio across retail, small and medium sized enterprises (SMEs) and commercial customers with a presence in both urban and rural India. The firm's product categories include consumer finance, personal loans, public and corporate deposits, rural lending, loan against securities, SME lending, commercial lending, and partnerships and services. Its consumer finance products include durable finance, lifestyle finance, digital product finance, EMI card, two and three-wheeler finance, personal loan, loan against fixed deposits, gold loan, home loan, retail EMI, retail finance, co-branded credit cards and co-branded wallet. Its commercial lending product offers short term credit to established businesses. The firm's rural lending products include gold loans and loans against vehicles.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹72,776 Cr on total income of ₹72,783 Cr.
Cost-to-income ratio at 18.0%. Provision coverage at 0.0% of income.
“credit loss guidance, but the analysts have operational hazards of picking that up.”
“foresee that the number next year as we as we enter could be anywhere between 9 and 65 and 9 and 75.”
“growth or EAM growth will gravitate between 22 and, 23%, but more likely to be, 22%, on a full year basis.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 16.7%▲ | 2.8% |
| ROCE | 11.2%▲ | 4.2% |
| Net Margin | 26.6%▲ | 11.9% |
| EBITDA Margin | 67.7%▲ | 29.0% |
| Debt To Equity | 3.82x▲ | 0.09x |
| Rev Growth 3yr | 25.6%▲ | 12.2% |
| EPS Growth 3yr | 17.1%▲ | 12.6% |
| Cost To Income | 18.0%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹86,164 Cr +23.7% | ₹69,684 Cr +26.8% | ₹54,969 Cr +32.8% | ₹41,397 Cr +30.9% | ₹31,632 Cr +18.6% | ₹26,668 Cr +1.1% | ₹26,374 Cr +42.7% | ₹18,485 Cr | |
| ₹4 Cr -89.8% | ₹41 Cr +217.0% | ₹13 Cr +56.7% | ₹8 Cr +4.0% | ₹8 Cr -46.6% | ₹15 Cr +26.4% | ₹12 Cr -29.0% | ₹17 Cr | |
| Total Income | ₹86,168 Cr +23.6% | ₹69,725 Cr +26.8% | ₹54,983 Cr +32.8% | ₹41,406 Cr +30.9% | ₹31,640 Cr +18.6% | ₹26,683 Cr +1.1% | ₹26,386 Cr +42.6% | ₹18,502 Cr |
| ₹58,326 Cr +22.4% | ₹47,663 Cr +33.6% | ₹35,681 Cr +37.9% | ₹25,880 Cr +16.9% | ₹22,137 Cr +7.0% | ₹20,691 Cr +8.5% | ₹19,064 Cr +54.7% | ₹12,323 Cr | |
| Profit Before Tax | ₹27,577 Cr +25.0% | ₹22,062 Cr +14.3% | ₹19,302 Cr +24.3% | ₹15,526 Cr +63.4% | ₹9,504 Cr +58.6% | ₹5,992 Cr -18.2% | ₹7,322 Cr +18.5% | ₹6,179 Cr |
| Exceptional Items | (₹265 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| ₹6,950 Cr +31.1% | ₹5,300 Cr +9.1% | ₹4,858 Cr +20.9% | ₹4,020 Cr +62.4% | ₹2,476 Cr +57.4% | ₹1,572 Cr -23.6% | ₹2,058 Cr -5.8% | ₹2,184 Cr | |
| Net Profit | ₹20,648 Cr +23.1% | ₹16,779 Cr +16.1% | ₹14,451 Cr +25.6% | ₹11,508 Cr +63.7% | ₹7,028 Cr +59.0% | ₹4,420 Cr -16.0% | ₹5,264 Cr +31.8% | ₹3,995 Cr |
| Profit (Owners) | ₹20,304 Cr +22.0% | ₹16,638 Cr +15.1% | ₹14,451 Cr +25.6% | ₹11,508 Cr +63.7% | ₹7,028 Cr +59.0% | ₹4,420 Cr -16.0% | ₹5,264 Cr +31.8% | ₹3,995 Cr |
| Minority Interest | ₹344 Cr +142.9% | ₹142 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Other Comprehensive Income | ₹40 Cr ↑ Recovery | (₹67 Cr) ↓ Decline | ₹90 Cr ↑ Recovery | (₹23 Cr) ↓ Decline | ₹34 Cr ↑ Recovery | (₹57 Cr) +50.5% | (₹115 Cr) | (₹0.18 Cr) |
| EPS | ₹32.62 | ₹26.77 | ₹23.35 | ₹19.01 | ₹11.61 | ₹7.33 | ₹8.75 | ₹6.91 |
| Diluted Shares | ₹623 Cr | ₹621 Cr | ₹619 Cr | ₹605 Cr | ₹605 Cr | ₹603 Cr | ₹602 Cr | ₹578 Cr |
| Fees And Commission | ₹3,944 Cr +51.8% | ₹2,598 Cr +34.5% | ₹1,932 Cr +2.1% | ₹1,891 Cr +8.4% | ₹1,746 Cr +40.0% | ₹1,246 Cr +18.0% | ₹1,056 Cr +48.2% | ₹713 Cr |
| Fees And Commission Income | ₹8,349 Cr +39.6% | ₹5,983 Cr +13.6% | ₹5,267 Cr +21.3% | ₹4,343 Cr +41.6% | ₹3,067 Cr +25.0% | ₹2,452 Cr -5.3% | ₹2,591 Cr +54.1% | ₹1,682 Cr |
| Profit Or Loss Of Associates | ₹21 Cr +17.0% | ₹18 Cr +133.1% | ₹8 Cr +357.5% | ₹2 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹9,895 Cr +24.2% | ₹7,966 Cr +72.0% | ₹4,631 Cr +45.2% | ₹3,190 Cr -33.6% | ₹4,803 Cr -19.5% | ₹5,969 Cr +51.9% | ₹3,929 Cr +161.7% | ₹1,501 Cr |
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Bajaj Finance Limited has informed the Exchange about Change in Directorate.
Bajaj Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 30, 2026. Further, the company has informed the Exchange regarding voting results.
Bajaj Finance Limited has informed the Exchange about Link of Recording
Bajaj Finance Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 30, 2026
Bajaj Finance Limited has informed the Exchange about Investor Presentation
Bajaj Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Bajaj Finance Limited has informed the Exchange regarding allotment of 114076 securities pursuant to Non Convertible Securities at its meeting held on July 23, 2026
Bajaj Finance Limited has informed the Exchange about Schedule of Conference call in respect of financial results for the quarter ended 30 June 2026.
Bajaj Finance Limited has informed the Exchange about Copy of Newspaper Publication under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Bajaj Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Bajaj Finance Limited has informed the Exchange regarding allotment of 139000 securities pursuant to Non Convertible Securities at its meeting held on Jun 18, 2026
Bajaj Finance Limited has informed the Exchange regarding allotment of 4,50,000 securities pursuant to Non Convertible Securities at its meeting held on Jun 12, 2026
Bajaj Finance Limited has informed the Exchange regarding 'Communication sent to shareholders regarding Tax Deduction at Source (TDS) on final dividend and updation of bank account details'.
Bajaj Finance Limited has informed the Exchange regarding allotment of 102500 securities pursuant to Non Convertible Securities at its meeting held on May 20, 2026
Bajaj Finance Limited has informed the Exchange regarding allotment of 289200 securities pursuant to Non Convertible Securities at its meeting held on May 12, 2026