Bajaj Finance Limited — PPTs, 24-07-2025: Investor Presentation

Here is the summary of the attached document:

**1. Financial Highlights:**

Bajaj Finance's Q1 consolidated AUM grew 25% YoY to ₹4.41 lakh Cr, with PAT up 22% to ₹4,765 Cr. Operating efficiency improved. While GNPA/NNPA slightly increased (1.03%/0.50%), they remain industry-low. Credit costs were elevated in 2W/3W and MSME segments, impacting overall profitability ratios marginally.

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

The company accelerates its FINAI transformation, integrating AI for enhanced productivity and customer experience, targeting a 200 million customer base. Growth focuses on extensive cross-selling to its 10.65 Cr customer base and significant new customer additions. A strategic funding shift aims to optimize costs.

**3. Business Developments:**

Q1 recorded strong new loan bookings and customer additions. Digital adoption is robust, with digital platform metrics showing strong growth. Rajeev Jain assumed the Vice Chairman and Managing Director role, ensuring continuity.

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

Bajaj Finance maintains a leading diversified finance position in consumer, digital, and personal loans. Its robust capital adequacy and diligent asset quality management, despite specific portfolio challenges, underscore its competitive edge.

**5. Investor Implications:**

Strong financial growth, coupled with digital and AI initiatives, signals positive growth potential. Investors should closely monitor credit cost management in stressed portfolios and the evolving funding strategy for future performance.