Bajaj Finance Limited — PPTs, 03-02-2026: Investor Presentation

Bajaj Finance reported a robust Q3 FY26, with consolidated Assets Under Management (AUM) growing 22% YoY to ₹ 485,883 Crore. Profit After Tax (PAT), before one-time charges, surged 23% YoY to ₹ 5,317 Crore. The company added 4.76 million new customers, taking its total customer base to 115.40 million, and booked 13.90 million new loans. Key segments like CV & Tractor Finance (+211%), MFI Lending (+118%), and Gold Loans (+94%) saw significant growth.

The company's "FINAI transformation" is a core strategic driver, with ongoing implementation of Data for AI, Consumer AI platforms, and Agentic AI for autonomous operations. This focuses on shifting from a "product-centric" to a "customer-centric" approach to enhance wallet share.

Recent developments include an accelerated Expected Credit Loss (ECL) provision of ₹ 1,406 Crore to bolster the balance sheet and accelerating AI integration for efficiency gains.

Key financial metrics show consolidated Net Interest Income (NII) up 21% YoY to ₹ 11,317 Crore. Annualized Return on Equity (ROE) stood at 19.6%, and Net Non-Performing Assets (NNPA) improved to 0.47%.

Management is optimistic about the credit cost outlook for FY27 and expects to disburse 50 million loans and cross ₹ 5 lakh Crore AUM in FY26. The long-term vision targets 200-220 million customers and 100 million loans by FY30, aiming for a 19-21% ROE.