Bajaj Finance Limited — PPTs, 10-11-2025: Investor Presentation

Bajaj Finance reported robust Q2 FY26 performance. Consolidated Assets Under Management (AUM) jumped 24% YoY to ₹ 462,261 Cr. Profit After Tax (PAT) grew 23% YoY to ₹ 4,948 Cr, with basic EPS rising 21% to ₹ 7.85. The company added 4.13 million new customers, expanding its franchise to 110.64 million.

Growth drivers include the ongoing FINAI transformation, integrating AI across operations for expected cost and productivity gains within 12-18 months. Recent festive season saw strong consumer loan disbursement (6.3 million, up 27% volume), driven by new-to-credit customers and a premiumization trend in purchases.

Key metrics show annualized Return on Assets (ROA) at 4.5% and Return on Equity (ROE) at 19.1%. Despite elevated credit costs, particularly in MSME and captive 2W/3W segments (Net NPA at 0.60%), management is taking active steps like cutting unsecured MSME volumes. Bajaj Housing Finance and Bajaj Financial Securities also delivered strong AUM and PAT growth, contributing to overall strength.