Bajaj Finance Limited reported robust financial results for the quarter and year ended 31 March 2026. The consolidated profit after tax grew by 27% in Q4 FY26, with AUM crossing the milestone of ₹5 lakh crore. The company added 17.51 million new customers during FY26, bringing the total franchise to 119.33 million. These results reflect strong performance across all business segments and a successful focus on digital and AI transformation.
Financial Highlights
Bajaj Finance delivered a powerful performance in Q4 FY26. The consolidated profit before tax reached ₹7,552 crore, a 26% increase compared to the previous year. For the full fiscal year FY26, consolidated profit after tax grew by 24% to ₹20,689 crore. The company’s total assets under management (AUM) reached ₹509,975 crore, marking a 22% year-on-year growth. Capital adequacy remained strong at 21.55%, ensuring a resilient foundation for future expansion.
Customer Franchise and Operational Reach
The company continued to scale its market presence significantly. During FY26, Bajaj Finance added 17.51 million customers to its franchise, reaching a total of 119.33 million customers by the end of March 2026. The geographic footprint expanded to 4,098 locations, supported by an active distribution network of over 242,000 points of sale. This expansion is underpinned by a commitment to omnichannel service delivery.
Strategic AI Transformation
The FINAI digital transformation initiative remains central to the company’s long-term strategy. Bajaj Finance has accelerated the deployment of AI use cases across its entire business, from customer onboarding and underwriting to debt management and software development. Early results demonstrate tangible productivity gains, with 203 dedicated employees currently working in the AI unit, a number expected to grow significantly in FY27.
Subsidiary Performance
Subsidiaries also reported impressive results for FY26. Bajaj Housing Finance Limited (BHFL) saw its AUM grow by 23% to ₹140,706 crore, with a profit after tax of ₹2,560 crore. Meanwhile, Bajaj Financial Securities Limited acquired 399,000 new customers, bringing its total client base to 1.38 million, and achieved a 46% growth in profit after tax to ₹203 crore.
Outlook for FY27
Looking ahead, the company is optimistic about its growth trajectory in FY27. Management expects AUM growth in the range of 22-24% and remains confident in adding 15-17 million new customers. The company continues to prioritize sustainable profit growth, aiming for a long-term return on equity (ROE) of 19-20%, supported by disciplined asset-liability management and continued investment in technology.
Source: BSE
