Bajaj Finserv Limited — PPTs, 30-01-2025: Investor Presentation

**Financial Highlights:**

Bajaj Finserv reported a consolidated revenue of ₹32,042 Cr for Q3 FY2025, showing a 10% increase year-on-year (YoY). The profit after tax (PAT) stood at ₹2,231 Cr, a modest 3% YoY growth. For the nine-month period ended December 2024, consolidated revenue climbed by 24% to ₹110,383 Cr, with PAT rising 7% to ₹6,456 Cr. The net worth strengthened 28% YoY, reaching ₹70,218 Cr. Book value per share improved to ₹440 from ₹360.

**Strategic Initiatives and Growth Drivers:**

The company, including its subsidiaries, is focusing on sustainable growth through technological advancements and better customer engagement. Significant AUM growth was observed in Bajaj Finance, achieving ₹3,98,043 Cr, up 28% YoY. The health segment, spearheaded by Bajaj Finserv Health, reported solid digital integration, contributing to operational efficiency and improved customer service.

**Business Developments:**

Bajaj Allianz General Insurance (BAGIC) saw a 46% surge in Gross Written Premium to ₹6,626 Cr. Notably, the underwriting loss narrowed significantly from the previous year. Bajaj Allianz Life Insurance continued expanding its product offerings, focusing on retail protection and reporting a dramatic 106% increase in PAT attributed to higher investment income.

**Market Position and Competitive Advantage:**

Bajaj Finserv is strategically positioned as a market leader across its segments. Its diversified portfolio strengthens its ability to adapt to changing market dynamics. The robust sales network, comprehensive financial solutions, and a technology-driven approach enhance its competitive edge in the rapidly evolving financial sector.

**Investor Implications:**

The financial performance indicates resilience and potential for growth, maintaining a positive outlook for investors. Continued investment in technology and customer-centric initiatives presents opportunities for enhanced profitability and market share in the coming years. Investors should watch key developments in the health and insurance segments closely.