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 Standalone Highlights<\/u><\/strong><\/p>\n\n\n\n For Q4 FY 2022 the Profit after Tax increased by 80% to\u20b9 2,420 Crores. The core AUM increased by 26% YOY to 1,92,087 Crores. The Net NPA shows an improvement. It got reduced from 0.75% to 0.68% in Q4 FY 2022. The company has booked 6.28 MM new loans. It has added 2.21 MM new customers to its franchise in Q4 FY 2022.<\/p>\n\n\n\n Consolidated Highlights<\/u><\/strong><\/p>\n\n\n\n Net Interest Income increased by 27% to \u20b9 21,892 crore in FY 2022. Profit after tax shows an improvement of 59% to \u20b9 7,028. The company shows an improvement of 4.2% and 17.4% for ROE. For FY 2022 the ROE stood at 17.5%; and net NPA is at 68 basis points.<\/u><\/strong><\/p>\n\n\n\n Subsidiary companies<\/u><\/strong><\/p>\n\n\n\n Bajaj Housing Finance Limited (BHFL)- <\/u><\/strong>The BHFL is a100% subsidiary of Bajaj Finance Limited. This mainly provides home loan to the customer. . Profit after tax stood at \u20b9 710 crore for FY22. At present the company has its operation in 26 locations. The BHFL gross NPA, net NPA performance stood at 31 basis points and 14 basis points respectively.<\/p>\n\n\n\n Bajaj Financial Securities Limited (BFSL)- <\/u><\/strong>The BHFL is a100% subsidiary of Bajaj Finance Limited. It is registered with the Securities Exchange Board of India. The company has earned a profit after tax of \u20b9 9 crore in Q4 FY22 and for FY 22 the profit stood at \u20b9 17 crore. The BFSL has its presence in 7 states of India with a High Net worth customers.<\/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 added 81 new locations now it has a presence in 3,504 locations and has 133,000 distribution points.<\/p>\n\n\n\n The company has recommended a dividend of INR20 per equity share.<\/p>\n\n\n\n Bajaj Finance has added 1.1 million UPI handles.<\/p>\n\n\n\n The digital app platform has delivered INR1,800 crores of personal loans in the quarter.<\/p>\n\n\n\n The company intends to add 14 million to 16 million net new users.<\/p>\n\n\n\n The company has acquired 455,000 new EMI card customers digitally.<\/p>\n\n\n\n Customer franchise stood at 57.57 million with a growth of 19%.<\/u><\/strong><\/p>\n\n\n\n Business Updates<\/u><\/strong><\/p>\n\n\n\n Bajaj Finance Ltd has decided to offers Pre-approved Personal Loans up to Rs. 10 Lakh to its Existing Customers.<\/p>\n\n\n\n The company has invested INR2,500 crores of additional capital for further growth of BHFL company.<\/p>\n\n\n\n The customer franchise increased by 19% and stood at 57.57 million.<\/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":[9708],"class_list":["post-128674","post","type-post","status-publish","format-standard","hentry","category-research-summary","category-research-tear-sheet","tag-nbfc"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":128368,"url":"https:\/\/alphastreet.com\/india\/bajaj-finance-limited-research-tear-sheet-q3-fy-2022\/","url_meta":{"origin":128674,"position":0},"title":"Bajaj Finance Limited Research Tear Sheet Q3 FY 2022","author":"sreerupa","date":"March 28, 2022","format":false,"excerpt":"Bajaj Finance is anon-banking financial company engaged \u00a0in 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":154631,"url":"https:\/\/alphastreet.com\/india\/the-master-of-lending-industry-ft-bajaj-finance\/","url_meta":{"origin":128674,"position":1},"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":128674,"position":2},"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":[]},{"id":135216,"url":"https:\/\/alphastreet.com\/india\/the-story-behind-bajaj-finance-q2fy23-results\/","url_meta":{"origin":128674,"position":3},"title":"The Story Behind Bajaj Finance Q2FY23 Results","author":"Karan_Singh","date":"October 27, 2022","format":false,"excerpt":"\u201cAn excellent first half for the company across balance sheet growth, portfolio quality and profitability. Strong momentum across all lines of businesses with secular AUM growth in the first half. Confident of strong FY23.\u201d- Management, Bajaj Finance Ltd. Bajaj Finance Ltd. reported its highest ever net profit for the June\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-108274999.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/10\/iStock-108274999.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/10\/iStock-108274999.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":133472,"url":"https:\/\/alphastreet.com\/india\/rationale-behind-bajaj-finances-success\/","url_meta":{"origin":128674,"position":4},"title":"Rationale behind Bajaj Finance’s Success","author":"Karan_Singh","date":"August 26, 2022","format":false,"excerpt":"Bajaj Finance has positioned itself as a cash cow with impressive moats. Bajaj Finance with an average RoE of 20% has seen its loan book rise at a CAGR of 35%, and its Profit After Tax has grown at a CAGR of 33% for over ten years. Despite such a\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\/2022\/08\/iStock-458943223.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/iStock-458943223.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2022\/08\/iStock-458943223.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":179379,"url":"https:\/\/alphastreet.com\/india\/bajaj-finance-ltd-reports-23-consolidated-profit-growth-in-q3-fy26-results\/","url_meta":{"origin":128674,"position":5},"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":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128674","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=128674"}],"version-history":[{"count":0,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128674\/revisions"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=128674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=128674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=128674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Rs in Crore<\/td> 31 .03.2022<\/td> 31.3.2021<\/td><\/tr> Total revenue from operations<\/td> 7,617.08<\/td> 6,006.18<\/td><\/tr> Total expenses<\/td> 4,560.73<\/td> 4,438.74<\/td><\/tr> Profit after tax<\/td> 2,267.95<\/td> 1, 160.8<\/td><\/tr> Diluted EPS<\/td> 37.36<\/td> 19.17<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n