Track Bajaj Finserv live share price with 52 week high and low, chart views, quick fundamentals, financial highlights, shareholding pattern, ratios, peer comparison, dividends, bonus/split history and customer-focused FAQs.
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These live market metrics help investors get a quick snapshot of Bajaj Finserv. Market data can change throughout the trading day, so verify important figures from NSE, BSE and official company filings before acting on them.
Bajaj Finserv Ltd is a diversified financial services holding company from the Bajaj group. It gives investors exposure to lending, deposits, housing finance, life insurance, general insurance, investment products, broking, health services and digital financial services.
For customers, the Bajaj Finserv ecosystem is often seen through products such as consumer loans, EMI finance, personal loans, fixed deposits, insurance, investment options and digital service platforms. For investors, the company is mainly analysed through its consolidated financials and the performance of key subsidiaries and group companies.
Important investor monitorables include Bajaj Finance AUM growth, loan losses, funding cost, deposit growth, insurance premium growth, solvency ratios, claim trends, investment market movements, regulatory developments and capital allocation.
Think of Bajaj Finserv as a financial services group where different businesses serve different customer needs: borrowing, protection, savings, investing and digital access. The share price can be affected by both operating performance and market expectations for these businesses.
Bajaj Finserv reports business segment information across life insurance, general insurance, retail financing, windmill and investments/others. Retail financing is the largest contributor to segment result, while insurance businesses add diversification and long-term customer relationships.
| Segment | FY 2024-25 external income | FY 2024-25 segment result | What to watch |
|---|---|---|---|
| Retail financing | ₹69,040 Cr | ₹22,249 Cr | AUM growth, credit cost, margins, deposits and asset quality |
| General insurance | ₹31,824 Cr | ₹2,130 Cr | Claims ratio, combined ratio, premium growth and solvency |
| Life insurance | ₹31,622 Cr | ₹165 Cr | New business margins, persistency, product mix and solvency |
| Investments and others | ₹1,314 Cr | -₹811 Cr | Digital platforms, asset management, broking and newer businesses |
| Windmill | ₹22 Cr | ₹14 Cr | Small non-core segment |
Segment figures should be checked against the latest annual report and stock exchange filings because the mix can change with new acquisitions, regulatory approvals, insurance ownership changes and subsidiary performance.
Bajaj Finserv makes money through a mix of lending income, insurance premium income, investment income, fees, commissions and platform-driven services. The lending businesses earn interest income and fees, while insurance businesses earn premiums and investment returns while managing claims and solvency requirements.
The company benefits when customers use multiple financial services across the group, such as loans, EMI cards, deposits, insurance, investments and broking. However, the same diversification also means investors must monitor different risk types: credit risk in lending, claims and underwriting risk in insurance, and market risk in investment portfolios.
This page is educational and does not make any buy, sell or hold recommendation. Investors should verify latest numbers from official filings and consider their own risk profile.
For a diversified financial services company, total income and profit attributable to owners are useful headline numbers, but they should be read with segment performance and subsidiary details.
| Particulars | FY 2023-24 | FY 2024-25 | FY 2025-26 |
|---|---|---|---|
| Total income | ₹1,10,383 Cr | ₹1,33,822 Cr | ₹1,50,530 Cr |
| Total revenue from operations | ₹1,10,382 Cr | ₹1,33,821 Cr | Check latest filing |
| Total expenses | ₹89,016 Cr | ₹1,10,092 Cr | Check latest filing |
| Profit before tax | ₹21,375 Cr | ₹23,748 Cr | Check latest filing |
| Profit after tax | ₹15,595 Cr | ₹17,558 Cr | Check latest filing |
| Profit attributable to owners | ₹8,148 Cr | ₹8,872 Cr | ₹9,801 Cr |
| EPS - basic | ₹51.20 | ₹55.60 | Verify latest annual report |
| Dividend per share | ₹1.00 | ₹1.00 | ₹1.50 proposed/declared; verify record date |
FY 2025-26 headline figures may be based on reported results before the full annual report is published. Always verify annual audited numbers, dividend approval and EPS from official exchange filings and the latest annual report.
The consolidated balance sheet reflects the size of lending assets, insurance investments, borrowings, deposits, policyholder liabilities and equity. This is important because financial services companies depend heavily on asset quality, liquidity, capital and funding cost.
| Particulars | Mar 2024 | Mar 2025 | Why it matters |
|---|---|---|---|
| Total assets | ₹5,37,930 Cr | ₹6,52,232 Cr | Shows the scale of consolidated lending, insurance and investment operations |
| Loans | ₹3,26,742 Cr | ₹4,08,491 Cr | Key asset base of the retail and housing finance businesses |
| Shareholders investments | ₹49,775 Cr | ₹53,556 Cr | Important for insurance and investment income sensitivity |
| Policyholders investments | ₹1,19,970 Cr | ₹1,36,173 Cr | Linked to life insurance fund growth and market movements |
| Debt securities | ₹1,12,253 Cr | ₹1,47,740 Cr | Part of the funding mix for lending businesses |
| Borrowings other than debt securities | ₹1,11,617 Cr | ₹1,32,103 Cr | Borrowing cost and maturity profile affect profitability |
| Deposits | ₹60,151 Cr | ₹71,403 Cr | Deposit growth helps diversify the funding base |
| Equity attributable and non-controlling interest | ₹1,03,776 Cr | ₹1,28,434 Cr | Capital base supporting growth and solvency |
Balance sheet classifications can differ across NBFC and insurance businesses. Verify the latest audited balance sheet and notes to accounts from official filings.
Cash flow in financial companies can look different from manufacturing or services companies because lending growth, borrowings, insurance liabilities and investments can create large movements. Customers and investors should use operating metrics alongside cash flow statements.
| Particulars | FY 2023-24 | FY 2024-25 | Investor interpretation |
|---|---|---|---|
| Operating cash flow | Review annual filing | Review annual filing | For financial companies, operating cash flow can move sharply with loan growth and insurance liabilities |
| Investing cash flow | Review annual filing | Review annual filing | Includes investment purchases, sales and capital allocation decisions |
| Financing cash flow | Review annual filing | Review annual filing | Reflects borrowings, debt repayment, capital raising and dividends |
| Bajaj Finance AUM | ₹3,30,615 Cr | ₹4,16,661 Cr | AUM growth is a major driver of consolidated scale |
| Bajaj Finance deposits | ₹60,151 Cr | ₹71,403 Cr | Deposit book supports funding diversification |
| Bajaj Finance customer franchise | 88.1 million | 101.8 million | Customer growth supports cross-sell and digital ecosystem opportunity |
Use the latest annual cash flow statement and subsidiary investor presentations to verify operating cash flow, investing cash flow, financing cash flow, AUM, deposits, insurance and customer metrics.
Ratios simplify analysis, but they should not be read in isolation. Compare Bajaj Finserv with financial services peers only after adjusting for differences in business model, insurance exposure, subsidiary structure and growth stage.
| Metric | FY 2023-24 / Earlier | FY 2024-25 / Latest | How to read it |
|---|---|---|---|
| Return on equity | Around 13-14% | Around 13% | Use latest annual report for exact audited ratio |
| Price to book | Market linked | Market linked | Higher P/B needs to be assessed against growth, asset quality and return ratios |
| Stock P/E | Market linked | Market linked | Compare with earnings growth and diversified financial peers |
| Dividend yield | Low | Low | Dividend is not the only return driver; capital growth and risk matter too |
| Bajaj Finance GNPA | 0.85% | 0.96% | Credit quality monitorable for the lending business |
| Bajaj Finance NNPA | 0.37% | 0.44% | Lower NNPA usually indicates stronger asset quality after provisions |
| General insurance solvency ratio | Verify filing | 325% | Solvency indicates claim-paying strength relative to regulatory requirements |
Bajaj Finserv does not have a perfect one-to-one peer because it is a holding company with lending and insurance exposure. Investors often compare it with large NBFCs and diversified financial platforms, while also separately studying Bajaj Finance and the insurance subsidiaries.
| Company | Business type | Market cap / scale cue | Key comparison point | Investor note |
|---|---|---|---|---|
| Bajaj Finserv Ltd | Diversified financial services holding company | Large cap | Holding company discount/premium, subsidiary performance, insurance value | Use consolidated and subsidiary-level filings together |
| Bajaj Finance Ltd | NBFC and consumer finance | Large cap NBFC | AUM growth, credit cost, NIM and customer franchise | Major subsidiary and key earnings driver |
| Jio Financial Services Ltd | Financial services platform | Large cap financial services | Digital financial ecosystem and growth investments | Business model is still evolving |
| Cholamandalam Investment and Finance | Vehicle finance and diversified lending NBFC | Large NBFC | Loan growth, vehicle cycle and asset quality | Useful lending peer, but not insurance-led |
| Shriram Finance Ltd | Retail and vehicle finance NBFC | Large NBFC | Used vehicle, MSME and retail lending cycle | Different borrower mix and risk profile |
| Muthoot Finance Ltd | Gold loan NBFC | Specialised NBFC | Gold loan growth, yields and gold price sensitivity | More concentrated business model |
Peer data, market capitalisation and valuation multiples change frequently. Verify latest peer comparison from NSE, BSE and company filings before using it in investment analysis.
Corporate actions affect the number of shares, face value, dividend eligibility and chart history. They do not by themselves make a stock cheap or expensive; investors should focus on business performance and valuation.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | ₹1.50 per share | Verify final approval, ex-date and record date from NSE/BSE and company filings |
| FY 2024-25 | ₹1.00 per share | Check exchange filings for exact ex-date, record date and payment timelines |
| FY 2023-24 | ₹1.00 per share | Historical dividend; verify before using for tax or portfolio records |
| FY 2022-23 | ₹0.80 per share | Historical dividend adjusted for face value and corporate actions |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | 1:1 bonus in 2022 | One bonus equity share for every existing equity share; verify record date from exchange filings |
| Stock Split | Face value split from ₹5 to ₹1 in 2022 | Split increases share count but does not change total ownership value by itself |
| Face Value | ₹1.00 | Face value can be checked on NSE/BSE quote pages and company filings |
| Latest corporate actions | Subject to board and shareholder approvals | Always verify the latest dividend, bonus or split updates from official exchange filings |
Dividend, bonus and split details must be verified from official exchange filings, company announcements and record date notices. Do not rely only on third-party summaries for eligibility or tax records.
These FAQs answer common AI-search-style questions about Bajaj Finserv share price, business model, customer products, risks, dividends, subsidiaries and investment monitorables.
Bajaj Finserv Ltd is the holding company for several Bajaj group financial services businesses. It has interests in lending, housing finance, general insurance, life insurance, health services, investments, broking and digital financial services. For retail investors, it is useful to understand it as a diversified financial services company rather than a single-product NBFC.
The NSE symbol is BAJAJFINSV and the BSE code is 532978. The Yahoo Finance-compatible NSE symbol used on this page for live quote and chart data is BAJAJFINSV.NS.
Bajaj Finserv earns through its subsidiaries and group companies. Major income streams include interest income from lending, insurance premium income, fees and commission income, investment income and income from digital financial services. Its performance depends on loan growth, insurance profitability, investment returns, asset quality, funding cost and regulatory changes.
Its key business areas include retail financing through Bajaj Finance, home finance through Bajaj Housing Finance, general insurance through Bajaj Allianz General Insurance, life insurance through Bajaj Allianz Life Insurance, asset management, broking, healthcare and digital financial services.
No. Bajaj Finserv Ltd is the listed holding company, while Bajaj Finance Ltd is a separately listed NBFC and one of Bajaj Finserv’s important subsidiaries. Bajaj Finserv also has exposure to insurance, investments and other financial services businesses.
Beginners should track the live share price, 52 week high and low, valuation ratios, consolidated profit growth, Bajaj Finance AUM growth, loan asset quality, insurance solvency and claims performance, shareholding changes, dividends, regulatory updates and official exchange filings.
Important risks include credit cycle stress, higher loan losses, interest rate changes, intense competition, insurance claim volatility, investment market volatility, regulatory changes for NBFCs and insurers, technology execution risk and dependence on large subsidiaries for consolidated earnings.
Bajaj Finserv has paid dividends in several years, but dividend amounts and record dates can change. Investors should verify the latest dividend recommendation, approval status, ex-date and record date from NSE, BSE and company filings before making any decision.
Bajaj Finserv announced a 1:1 bonus issue and a stock split from face value ₹5 to ₹1 in 2022. Investors should verify corporate action history from official exchange and company filings before relying on it for tax, trading or portfolio records.
Customers typically use Bajaj Finserv group platforms for loans, EMI financing, insurance, investments, fixed deposits, digital payments, broking and health-related services. Product eligibility, fees, charges and terms should be checked on official Bajaj Finserv or relevant subsidiary channels.
Important metrics include consolidated total income, profit after tax attributable to owners, Bajaj Finance AUM, gross and net NPA levels, insurance gross written premium, solvency ratio, return on equity, book value, P/E ratio, price-to-book ratio and dividend payout.
No. This page is for education and tracking only. It does not provide buy, sell or hold recommendations. Investors should use official filings, risk disclosures and qualified financial advice before making investment decisions.
