Bajaj Finance is anon-banking financial company engaged in providing two and three-wheeler finance. The company has its headquarter in Pune, India. The company has started its operation 11 years ago. Bajaj Auto Finance Ltd has launched its initial public issue of equity and the shares are traded on the Bombay Stock Exchange and National Stock Exchange of India.<\/p>\n\n\n\n
Key Financial Highlights<\/u><\/strong><\/p>\n\n\n\n PAT increased 85% to Rs 2,125 crores.<\/p>\n\n\n\n Total income grew 28% to Rs 8,535 crores.<\/p>\n\n\n\n Gross NPA 0.78% in Q3 FY 2022.<\/p>\n\n\n\n Capital adequacy ratio 26.96%.<\/p>\n\n\n\n ROE increased 5.5% Y-O-Y.<\/p>\n\n\n\n Net Interest increased by 40% Y-O-Y.<\/p>\n\n\n\n Subsidiary companies<\/u><\/strong><\/p>\n\n\n\n Bajaj Housing Finance Limited (BHFL)<\/u><\/strong><\/u><\/strong><\/p>\n\n\n\n AUM increased by 39% to \u20b9 49,203 crore in Q3 FY 2022.<\/p>\n\n\n\n Net Interest Income increased by 30% to \u20b9 429 crore.<\/p>\n\n\n\n Loan losses and provisions for Q3 FY22 was \u20b9 56 crore as against \u20b9 107 crore in Q3 FY21.<\/p>\n\n\n\n Profit after tax increased 87% to \u20b9 185 crore in Q3 FY2022.<\/p>\n\n\n\n Bajaj Financial Securities Limited (BFSL)<\/u><\/strong><\/p>\n\n\n\n It has acquired 65K customers in Q3 FY22. Its Retail and HNI customer franchise stood at 269K.<\/p>\n\n\n\n Total income stood \u20b9 38 Crore in Q3 FY22.<\/p>\n\n\n\n Net profit in this sector for Q3 FY22 was \u20b9 7 Crore against \u20b9 1 Cr in Q3 FY21.<\/p>\n\n\n\n Conference Call Highlights:<\/u><\/strong><\/p>\n\n\n\n Management Updates<\/u><\/strong><\/p>\n\n\n\n The company has principal outstanding of Rs 213.35 crores and 681.18 crores for the quarter.<\/p>\n\n\n\n Bajaj Finance has the largest market cap in the consumer finance sector at Rs 4.73 lakhs.<\/p>\n\n\n\n The P\/E ratio is 10.7 while the P\/B ratio is 12.82.<\/p>\n\n\n\n Deposits book increased by 28% YOY to \u20b9 30,481 crore.<\/p>\n\n\n\n Loan losses and provisions is\u20b9 1,051 crore in Q3.<\/p>\n\n\n\n Business Updates<\/u><\/strong><\/p>\n\n\n\n NBFC has added 73 new loans in Q3 FY 2022.<\/p>\n\n\n\n The company has acquired d 492K new EMI card customers digitally.<\/p>\n\n\n\n In Q3, the company has booked 393K new loans from the marketplace. EMI store currently hosts 27,917 SKUs across 23,250 merchants.<\/p>\n\n\n\n The Payment Aggregator (PA) & Bharat Bill Pay Operating Unit (BBPOU) is waiting for regulatory approvals.<\/p>\n","protected":false},"excerpt":{"rendered":" Bajaj Finance is anon-banking financial company engaged in providing two and three-wheeler finance. The company has its headquarter in Pune, India. The company has started its operation 11 years ago. Bajaj Auto Finance Ltd has launched its initial public issue of equity and the shares are traded on the Bombay Stock Exchange and National Stock Exchange of India. […]<\/p>\n","protected":false},"author":1796,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6352,9908],"tags":[8265,9046,1792],"class_list":["post-128368","post","type-post","status-publish","format-standard","hentry","category-research-summary","category-research-tear-sheet","tag-finance","tag-financial","tag-financial-services"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":128674,"url":"https:\/\/alphastreet.com\/india\/bajaj-finance-limited-research-tear-sheet-q4-fy-2022\/","url_meta":{"origin":128368,"position":0},"title":"Bajaj Finance Limited Research Tear Sheet Q4 FY 2022","author":"sreerupa","date":"April 28, 2022","format":false,"excerpt":"Bajaj Finance is anon-banking financial company engaged in providing two and three-wheeler finance. The company has its headquarter in Pune, India. The company has started its operation 11 years ago. Bajaj Auto Finance Ltd has launched its initial public issue of equity and the shares are traded on the\u00a0Bombay Stock\u2026","rel":"","context":"In "Research Summary"","block_context":{"text":"Research Summary","link":"https:\/\/alphastreet.com\/india\/category\/research-summary\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":128405,"url":"https:\/\/alphastreet.com\/india\/manappuram-research-tear-sheet-q3-fy-2022\/","url_meta":{"origin":128368,"position":1},"title":"Manappuram Research Tear Sheet Q3 FY 2022","author":"sreerupa","date":"April 5, 2022","format":false,"excerpt":"Manappuram Finance Ltd is an Indian NBFC. It is located in Valapad, Thrissur, Kerela. It was incorporated in 1949. The company mainly deals with gold loan, forex & money transfer, SMS finance and commercial vehicle loan. The shares trade on BSE. As per the data submitted on December 31, 2021,\u2026","rel":"","context":"In "Research Summary"","block_context":{"text":"Research Summary","link":"https:\/\/alphastreet.com\/india\/category\/research-summary\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":179379,"url":"https:\/\/alphastreet.com\/india\/bajaj-finance-ltd-reports-23-consolidated-profit-growth-in-q3-fy26-results\/","url_meta":{"origin":128368,"position":2},"title":"Bajaj Finance Ltd Reports 23% Consolidated Profit Growth in Q3 FY26 Results","author":"Staff Correspondent","date":"February 3, 2026","format":false,"excerpt":"The company delivered strong AUM expansion of 22% and introduced its LRS 2026-30 strategic framework. Investors focus on balance sheet resilience following a \u20b91,406 crore accelerated ECL provision and a one-time charge related to New Labour Codes. Bajaj Finance Ltd (NSE: BAJFINANCE) reported its basic earnings per share at \u20b97.37\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":139396,"url":"https:\/\/alphastreet.com\/india\/infographic-bajaj-finance-ltd-nse-bajfinance-q3-fy23-results-out\/","url_meta":{"origin":128368,"position":3},"title":"Infographic| Bajaj Finance Ltd.(NSE: BAJFINANCE)| Q3 FY23 Results Out.","author":"Divyansh_Kasana","date":"January 27, 2023","format":false,"excerpt":"Bajaj Finance Limited(NSE: BAJFINANCE) is a non-banking financial company (NBFC) based in India. It offers a wide range of financial products and services including personal loans, home loans, business loans, and consumer durable loans, as well as fixed deposits, wealth management services, and insurance products. The company operates through a\u2026","rel":"","context":"In "AlphaGraphs"","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/01\/9bbed8f9-0df2-4539-a073-404747fa93e6-1.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":154631,"url":"https:\/\/alphastreet.com\/india\/the-master-of-lending-industry-ft-bajaj-finance\/","url_meta":{"origin":128368,"position":4},"title":"The Master of Lending Industry Ft Bajaj Finance","author":"Chirag Gupta","date":"September 14, 2023","format":false,"excerpt":"\u201cThe Omnichannel strategy enables customers to move between online and offline and vice-versa in a frictionless manner. It has been a huge structural shift for your Company, which is now reinventing the way it does everything. The Omnichannel strategy has six domains: (i) Geographic expansion, (ii) Bajaj Finserv app, (iii)\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/iStock-1311224404.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/iStock-1311224404.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/iStock-1311224404.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":135219,"url":"https:\/\/alphastreet.com\/india\/the-story-behind-bajaj-finserv-q2fy23-results\/","url_meta":{"origin":128368,"position":5},"title":"The Story Behind Bajaj Finserv Q2FY23 Results","author":"Karan_Singh","date":"October 27, 2022","format":false,"excerpt":"Bajaj Finserv Ltd. serves as the financial services arm for the Bajaj Group. In the diversified financial services companies that come under Bajaj Finserv Ltd., the major ones are Bajaj Finance, Bajaj Allianz General Insurance and Bajaj Allianz Life Insurance. Majority of the profit for Bajaj Finserv Ltd. comes from\u2026","rel":"","context":"In "Earnings"","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/10\/iStock-585522866.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/10\/iStock-585522866.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/10\/iStock-585522866.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128368","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/1796"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=128368"}],"version-history":[{"count":0,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128368\/revisions"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=128368"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=128368"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=128368"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}( In Crore)<\/td> Q3 FY 22<\/td> Q3 FY 21<\/td><\/tr> Revenue from operations<\/td> 8,532.58<\/td> 6,656.13<\/td><\/tr> Profit before tax<\/td> 2,867.98<\/td> 1,554.51<\/td><\/tr> Profit after tax<\/td> 2,125.29<\/td> 1,145.98<\/td><\/tr> Diluted<\/td> 35.02<\/td> 18.94<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n