Bajaj Finance Limited — PPTs, 05-12-2025: Investor Presentation

Here's a concise summary for retail investors:

Bajaj Finance shows robust performance, with AUM at ₹4.17 lakh Cr in FY25, climbing to ₹4.62 lakh Cr by H1 FY26. Profit After Tax stood at ₹16,779 Cr in FY25, with Net NPA impressively low at 0.44%.

The company's Long Range Strategy (2026-30) targets transforming into a customer-centric, tech-leading, and lowest-risk financial player. A major shift involves moving from a product-centric to a customer-centric model, aiming to boost monthly disbursals from ₹800 Cr to ₹8,000 Cr. Massive AI investments are key, driving hyper-personalization, efficiency, and reducing service queries.

Recent FINAI strategies show strong results: Gold Loan AUM surged 97% to ₹16,340 Cr, and Auto Loans AUM grew 60%. The company is also venturing into Green Financing (Solar 2.0) and leveraging AI, which already helps disburse ₹5,300 Cr via voice BOTs.

Bajaj Finance eyes 50 MM loans and over ₹5 lakh Cr AUM by FY26. Long-term (FY30) goals include 200-220 MM customers and 19-21% Return on Equity, aiming for 17-19% compounding growth.