Bajaj Finance Limited — Investor Meet, 28-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Bajaj Finance reported 25% AUM growth and 22% PAT increase, with ROE at 19% and NNPA at 0.50%. Credit costs remained elevated, primarily from the two/three-wheeler and MSME segments. The company is actively addressing consumer leverage across products and managing MSME stress via restructuring. Management anticipates 10bps NIM expansion for FY26 and maintains fee income (13-15%) and credit cost (185-195 bps) guidance. FY26 is a defining year for FinAI transformation. The tone suggests cautious confidence in navigating challenges while optimizing existing businesses.