Track Bajaj Finance Ltd live share price with 52 week high and low, chart views, quick fundamentals, financial statements, business segments, ratios, peer comparison, dividends, bonuses/splits and beginner-friendly FAQs.
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Bajaj Finance Ltd is one of India’s largest and most diversified non-banking finance companies. It serves retail customers, small businesses, commercial borrowers and rural customers through loans, deposits, cards, payments and digital financial services.
For customers, Bajaj Finance is often associated with EMI financing, personal loans, consumer durable loans, business loans, gold loans, two-wheeler finance, loan against property, fixed deposits and the Bajaj Finserv app ecosystem. Product terms, eligibility, fees and charges vary by customer profile and should be checked through official channels before applying.
For investors, the key monitorables include assets under management, new loans booked, customer franchise, net interest income, cost of funds, asset quality, loan-loss provisions, capital adequacy, return on assets, return on equity and regulatory developments for NBFCs.
Educational note: Financial, shareholding, dividend, bonus and split details can change after results, board meetings and exchange filings. Always verify the latest numbers from Bajaj Finance investor relations, NSE and BSE before making decisions.
Bajaj Finance lends money to eligible customers and businesses, collects EMIs and earns interest and fees. Because lending is the core business, growth quality matters as much as growth speed. A larger loan book is useful only when collections, provisions and credit discipline remain healthy.
Bajaj Finance earns mainly from interest income on loans and fee income from financial products and services. Its cost base includes borrowing costs, employee and distribution expenses, technology expenses, credit costs, provisions and operating expenses.
Investors should watch how the mix changes between secured and unsecured loans. A higher unsecured mix can support growth and margins, but it can also increase sensitivity to customer stress and collection cycles.
In FY2025, Bajaj Finance reported strong growth in assets under management, customer franchise, new loans booked, net total income and profit after tax. These operating numbers help beginners understand the scale of the franchise beyond the share price.
Verify the latest AUM, customer franchise, loan book, deposit, NPA and profitability numbers from quarterly results and annual reports before publishing updates or making comparisons.
For an NBFC, revenue, interest expense, financing profit, provisions and net profit help investors judge whether loan growth is translating into sustainable earnings.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Revenue | ₹54,974 Cr | ₹69,709 Cr | ₹81,982 Cr |
| Interest | ₹18,886 Cr | ₹24,992 Cr | ₹28,666 Cr |
| Expenses | ₹16,099 Cr | ₹21,754 Cr | ₹26,249 Cr |
| Financing Profit | ₹19,989 Cr | ₹22,963 Cr | ₹27,067 Cr |
| Profit Before Tax | ₹19,310 Cr | ₹22,080 Cr | ₹25,817 Cr |
| Net Profit | ₹14,451 Cr | ₹16,779 Cr | ₹19,332 Cr |
| EPS | ₹23.35 | ₹26.77 | ₹30.56 |
| Dividend Payout | 15% | 21% | 20% |
Financial statement numbers are educational snapshots. Confirm the latest audited or reviewed figures from official company results and exchange filings.
The balance sheet shows how the lender funds its loan book. Borrowings, reserves, investments and total assets are important for understanding leverage and capital strength.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Equity Capital | ₹124 Cr | ₹124 Cr | ₹622 Cr |
| Reserves | ₹76,572 Cr | ₹96,569 Cr | ₹1,13,377 Cr |
| Borrowings | ₹2,93,346 Cr | ₹3,61,249 Cr | ₹4,35,112 Cr |
| Other Liabilities | ₹5,700 Cr | ₹8,185 Cr | ₹10,841 Cr |
| Total Liabilities | ₹3,75,742 Cr | ₹4,66,127 Cr | ₹5,59,952 Cr |
| Fixed Assets | ₹3,250 Cr | ₹3,780 Cr | ₹4,004 Cr |
| Investments | ₹30,881 Cr | ₹34,441 Cr | ₹30,578 Cr |
| Other Assets | ₹3,41,568 Cr | ₹4,27,865 Cr | ₹5,25,309 Cr |
| Total Assets | ₹3,75,742 Cr | ₹4,66,127 Cr | ₹5,59,952 Cr |
Verify the latest balance sheet, capital adequacy and borrowing mix from annual reports, quarterly results and rating updates.
Cash flow for lenders can look different from manufacturing companies because loan disbursements, repayments and borrowings move through operating and financing cash flows. Negative operating cash flow can occur when the loan book is expanding rapidly.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Cash from Operating Activity | -₹69,843 Cr | -₹68,154 Cr | -₹65,790 Cr |
| Cash from Investing Activity | -₹10,088 Cr | -₹2,765 Cr | -₹3,389 Cr |
| Cash from Financing Activity | ₹82,415 Cr | ₹70,527 Cr | ₹67,433 Cr |
| Net Cash Flow | ₹2,484 Cr | -₹392 Cr | -₹1,746 Cr |
| Free Cash Flow | -₹70,842 Cr | -₹69,200 Cr | -₹66,686 Cr |
| CFO / Operating Profit | -167% | -130% | -106% |
For lenders, read cash flow together with AUM growth, borrowing profile, asset quality and capital adequacy rather than in isolation.
Ratios help beginners compare growth, profitability and shareholder returns across years. For lenders, also monitor gross NPA, net NPA, credit cost, cost of funds and capital adequacy in the latest filings.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| ROE | 22% | 19% | 18% |
| Compounded Sales Growth | 10Y: 27% | 5Y: 25% | 3Y: 26% |
| Compounded Profit Growth | 10Y: 31% | 5Y: 34% | 3Y: 19% |
| Stock Price CAGR | 10Y: 29% | 5Y: 10% | 3Y: 10% |
| Dividend Payout | 15% | 21% | 20% |
Peer comparison should be done carefully because NBFCs can have very different lending mixes. A vehicle-finance company, gold-loan company and consumer-finance company may not deserve the same valuation multiple or risk assumptions.
| Company | Business Focus | What Investors Compare | Key Monitorable |
|---|---|---|---|
| Bajaj Finance Ltd | Consumer, SME, rural and commercial lending | AUM growth, credit cost, margins, ROA and ROE | Unsecured-loan stress and borrowing cost |
| Shriram Finance Ltd | Commercial vehicle, passenger vehicle, MSME and retail finance | Vehicle cycle, loan growth and asset quality | Used-vehicle demand and credit losses |
| Cholamandalam Investment and Finance Co Ltd | Vehicle finance, loan against property, SME and consumer lending | Diversified loan growth and credit quality | Vehicle-finance growth and GNPA trend |
| Muthoot Finance Ltd | Gold loans and secured lending | Gold-loan AUM, yields and collateral coverage | Gold price volatility and auction risk |
| L&T Finance Ltd | Retail finance, rural, housing and wholesale run-down portfolio | Retailization strategy and credit costs | Asset-quality improvement and execution |
| Mahindra & Mahindra Financial Services Ltd | Vehicle, tractor, SME and rural finance | Rural demand, collections and credit cost | Monsoon, rural cash flows and NPAs |
Verify the latest market cap, P/E, price-to-book, ROE and asset-quality ratios from updated market data before publishing numeric peer comparisons.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2024-25 | Special interim dividend of ₹12 and final dividend of ₹44 per share on the then face value of ₹2 | Verify record dates, tax treatment and eligibility from company and exchange filings |
| FY 2023-24 | Final dividend of ₹36 per share on face value of ₹2 | Dividend history should be checked against official investor-relations records |
| FY 2022-23 | Final dividend of ₹30 per share on face value of ₹2 | Use official filings for entitlement and payout confirmation |
| Action | Detail | Note |
|---|---|---|
| 2025 Stock Split | Face value split from ₹2 to ₹1 with record date around June 2025 | Check NSE/BSE corporate-action notices for exact record date and adjustment treatment |
| 2025 Bonus Issue | 4:1 bonus issue, meaning four bonus shares for every one eligible share | Bonus shares change share count and adjusted price history but do not by themselves create operating profit |
| 2016 Corporate Actions | Earlier face-value split from ₹10 to ₹2 and a 1:1 bonus issue were reported historically | Verify older actions from official exchange and company records before using historical per-share data |
Dividend, bonus and split data can be revised for record dates, tax treatment, exchange adjustments and per-share restatements. Verify the latest corporate-action details from official NSE, BSE and Bajaj Finance filings.
These FAQs explain Bajaj Finance in simple language for customers, beginners and retail investors. They cover products, business model, risks, dividends, corporate actions, financial monitorables and how to read the stock page without treating it as investment advice.
Bajaj Finance Ltd is a large Indian non-banking finance company. It offers personal loans, consumer durable loans, two-wheeler and vehicle finance, business loans, gold loans, loan against property, SME lending, rural lending, deposits, cards, payments and digital financial services. Product availability, pricing and eligibility can change, so customers should check official Bajaj Finance channels before applying.
This page uses the Yahoo Finance-compatible NSE symbol BAJFINANCE.NS for live chart and quote data. Market feeds may be delayed or temporarily unavailable, so investors should verify live prices on NSE, BSE or their broker before acting.
No. Bajaj Finance is an NBFC. It can lend money and accept eligible deposits under applicable regulations, but it does not operate like a full-service bank with savings accounts and current accounts.
The company mainly earns interest and fees by lending to retail customers, small businesses, commercial borrowers and rural customers. It also earns income from deposits, cross-sell products, cards, payment products and other financial services.
Bajaj Finance is commonly tracked across consumer finance, personal loans, SME and business lending, commercial lending, rural lending, deposits, payments, cards, gold loans, vehicle finance and digital financial services. Investors should verify the latest segment reporting from annual reports and exchange filings.
Customers should compare the interest rate, processing fee, documentation charges, foreclosure rules, late payment charges, insurance add-ons, total EMI burden, repayment tenure and customer support process. The lowest EMI is not always the lowest total cost.
Important risks include rising credit losses, stress in unsecured lending, higher borrowing costs, regulatory changes for NBFCs, slower loan growth, competition from banks and fintechs, digital fraud risk, collection challenges and valuation risk when expectations are high.
AUM means assets under management. For a lender, it broadly represents the loan book or managed assets. Growing AUM can support revenue growth, but investors should also watch asset quality, provisions, net interest margin and return ratios.
Bajaj Finance has paid dividends in several past years. Dividend amounts, record dates and eligibility can change every year, so investors should verify the latest dividend announcements from NSE, BSE and company investor-relations filings.
Bajaj Finance implemented corporate actions including a 4:1 bonus issue and a face-value split from ₹2 to ₹1 in 2025. Investors should verify the latest bonus, split and adjustment details from official exchange filings because corporate-action adjustments affect historical prices and per-share data.
Beginners can start with AUM growth, net interest income, profit after tax, provisions, gross NPA, net NPA, cost of funds, capital adequacy, return on assets and return on equity. A strong result should ideally combine growth with controlled credit costs and healthy capital strength.
Common listed peers include Shriram Finance, Cholamandalam Investment and Finance, Muthoot Finance, L&T Finance and Mahindra & Mahindra Financial Services. Peer comparison should consider business mix because gold finance, vehicle finance, SME lending and consumer lending can have different risk-return profiles.
No. This page is for education and information only. It does not provide investment advice, price targets or buy/sell recommendations. Investors should consult a qualified financial adviser and verify data from official exchange filings.
