Bajaj Finance Limited — PPTs, 29-01-2025: Investor Presentation

**Financial Highlights**: Bajaj Finance reported AUM growth of ₹398,043 crore, marking a substantial 28% increase year-over-year. The profit after tax was ₹4,308 crore, reflecting an 18% rise compared to the same period last year. The net interest income surged by 23% to ₹9,382 crore, while the total income increased by 26% to ₹11,673 crore. Operating expenses as a percentage of net total income improved to 33.1%, down from 33.9% in the prior year.

**Strategic Initiatives and Growth Drivers**: The company continues to enhance its digital presence, with the Bajaj Finserv App reaching 66.57 million net users. Aiming to cross 100 million customers in FY25, they added 5.03 million new customers in Q3 FY25 alone. The launch of BFL 3.0, a long-range strategy, focuses on leveraging AI and technology to optimize operations and enhance customer engagement.

**Business Developments**: A significant strategic partnership with Bharti Airtel was established, combining both companies' platforms to offer financial products seamlessly, starting with two product pilots on the Airtel Thanks App with plans to expand.

**Market Position and Competitive Advantage**: Bajaj Finance maintains a robust market presence with a diversified product lineup, catering to various customer segments including retail and MSME clients. Their customer franchise stood at 97.12 million, highlighting their strong market positioning.

**Investor Implications**: With a positive outlook fueled by strong financial performance and strategic initiatives, Bajaj Finance represents an attractive opportunity for investors. Continued growth in customer acquisition and digital expansion could drive future revenue and profitability, although potential risks related to market dynamics should be monitored closely.