Bajaj Finance Limited — Investor Meet, 02-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Bajaj Finance reported 26% AUM growth to ₹4.17 lakh crore, disbursing 10.7 million loans and adding 4.7 million new customers in Q4. PAT rose 19% to ₹4,546 crore, with ROE at 19.1% and net NPA at 44 bps. Credit costs rose to 2.33% due to additional ECL provisions. Management expects stable NIMs and 24-25% AUM growth in FY26, prioritizing credit quality and cost efficiency through AI. Branch expansion continued in Gold Loan and MFI, alongside a ₹65 crore investment in cybersecurity firm Protectt.ai. The focus remains on organic growth, targeting a 19-21% ROE medium-term corridor.