Bajaj Finserv Limited — PPTs, 10-05-2025: Investor Presentation

**1. Financial Highlights:**

Bajaj Finserv reported consolidated revenue of USD 15.38 billion, growing at a 5-year CAGR of 20%. Profit after tax reached USD 1.02 billion with a 21% CAGR over five years. Life Insurance GWP stood at USD 3.12 billion (23% CAGR), General Insurance GWP at USD 2.48 billion (11% CAGR), and Retail Finance revenue at USD 8.01 billion (21% CAGR). Shareholders’ funds rose to USD 8.32 billion, supporting a book value per share of USD 5.2. Bajaj Finance’s AUM grew at a 26% CAGR, maintaining a ROE of about 19%.

**2. Strategic Initiatives & Growth Drivers:**

Focus is on deepening customer engagement using data analytics, AI, and digital platforms across businesses. The Health segment expanded through Vidal Healthcare acquisition, boosting digital OPD, IPD, and wellness services. Bajaj Finance’s AI-driven FINAI platform targets better customer experience and efficiencies. Bajaj Markets broadened its BFSI marketplace to 96 partners, fueling loan mobilization and digital adoption. Continued investments include tech upgrades, talent, and geographic expansion into Middle East and US.

**3. Business Developments:**

Acquired Allianz’s 26% stake in insurance ventures; Bajaj Housing Finance raised USD 754 million via IPO. Bajaj Allianz General Insurance maintains strong underwriting profitability and low grievance ratios. Bajaj Allianz Life Insurance saw 9% growth in Value of New Business, focusing on protection and digital channels. Health saw rollout of Gen AI fraud detection and claims processing solutions. Bajaj Technology Services secured new international contracts demonstrating tech capabilities.

**4. Market Position & Competitive Advantage:**

BFS is a diversified financial services leader with a strong pan-India footprint. Bajaj Finance is India’s largest NBFC by profit and AUM, backed by 101.8 million customers and cross-selling strength. Bajaj Allianz General Insurance ranks third in market share with superior combined ratios and claims servicing. BALIC is among fastest growing private life insurers with strong solvency. Digital innovation, multi-channel reach, and broad product suite offer clear competitive advantages.

**5. Investor Implications:**

Positive growth potential driven by AI/digital adoption and strong risk management. Capital strength and market leadership lower execution risks. Investors should watch execution of AI initiatives, integration of acquisitions, and developments in health tech and digital marketplaces as key drivers of sustained growth.