Bajaj Finance Limited has released its investor presentation for the quarter ended June 30, 2026 (Q1 FY27). The company reported significant growth across key metrics, including a 24% increase in Assets Under Management (AUM) and a 28% rise in Profit Before Tax (PBT) to ₹8,149 crore. The presentation highlights a strong quarter for new customer addition and loan bookings.
Bajaj Finance Unveils Robust Q1 FY27 Performance
Bajaj Finance Limited presented its investor update for the first quarter of the fiscal year 2027 (Q1 FY27), ending June 30, 2026. The consolidated results showcase an excellent quarter across all key performance indicators, including AUM, new customer addition, credit cost, profits, ROA, and ROE.
Key Financial Highlights
Assets Under Management (AUM) experienced a growth of 24%, reaching ₹546,944 crore. The company delivered an AUM addition of ₹36,969 crore. Profit Before Tax (PBT) grew by a notable 28% to ₹8,149 crore. Furthermore, Bajaj Finance booked 16.13 million new loans and added 5.10 million new customers during the quarter. The customer franchise stood at 124.43 million.
Key metrics highlighted include:
- AUM: ₹546,944 crore (Growth: 24%)
- Opex to Net Total Income: 33.4%
- PBT: ₹8,149 crore (Growth: 28%)
- PAT: ₹6,081 crore (Growth: 28%)
- ROE (Annualised): 20.4%
- Net NPA: 0.39%
Operational Performance
The company demonstrated strong operational efficiency, with Net Interest Income growing by 23% to ₹12,571 crore and Net Total Income growing by 22% to ₹15,224 crore. The Opex to Net Total Income ratio was maintained at 33.4%. Loan losses and provisions for Q1 FY27 were ₹1,993 crore, which includes prudent management and macro-economic provisions. Excluding these, loan losses and provisions saw a decline of 14% compared to Q1 FY26.
Asset Quality and Capital Adequacy
Asset quality remained robust, with Gross NPA and Net NPA improving to 0.96% and 0.39% respectively, as of June 30, 2026. The provisioning coverage ratio on stage 3 assets stood at 60% in Q1 FY27. Capital adequacy remained strong at 20.90% as of June 30, 2026, with Tier-1 capital at 20.01%.
Subsidiary Performance
The presentation also detailed the performance of its subsidiaries:
- Bajaj Housing Finance Limited (BHFL): Reported a good quarter with PBT growing 23% to ₹929 crore and AUM growing 24% to ₹149,624 crore. Annualized credit cost was at 5 bps.
- Bajaj Financial Securities Limited (BFSL): Added 108K customers in Q1 FY27, with AUM growing 60% to ₹9,770 crore and PAT growing 22% to ₹50 crore.
The company also provided an update on its FINAI transformation, highlighting investments in AI and digital platforms to accelerate business growth and enhance customer experience.
Source: BSE
