Bajaj Finance

BAJFINANCE

NSE

BSE

SectorFinancial Services

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Company insights, generated from the most recent coverage.

Bajaj Finance stock declined 1.84% due to broad risk-off sentiment triggered by geopolitical tensions and crude oil price surge.
₹5,000 Cr NCD at 8.15% chosen over equity to avoid dilution and preserve AAA rating; the coupon is at the lower end of AAA NBFC yields, signaling strong investor confidence in Bajaj Finance's credit quality and cash flows.
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₹5,000 Cr NCD issuance secures long-term stable funding to support continued asset expansion and manage liquidity.
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The Quarter story

The two most recent quarterly results, compared side-by-side.

Bajaj Finance scales assets to ₹4.00 Lakh Cr with surging profits and lower funding costs, though rising gross NPAs warrant monitoring.

AUM grew from ₹3,25,438 Cr to ₹4,00,388 Cr from Q1 FY26 to Q1 FY27, reflecting robust portfolio expansion.

Gross NPA rose from ₹319 Cr in Q3 FY26 to ₹5,241 Cr in Q1 FY27, signaling emerging asset quality stress.

Cost of funds fell from 7.82% to 7.21% from Q1 FY26 to Q1 FY27, boosting net interest margins.

MSME lending AUM slipped from ₹52,538 Cr to ₹51,320 Cr from Q1 FY26 to Q1 FY27, reflecting cautious small business borrowing.

Gold loan AUM surged from ₹9,989 Cr to ₹21,152 Cr from Q1 FY26 to Q1 FY27, capturing strong rural liquidity demand.

Home loan AUM expanded from ₹67,255 Cr to ₹80,865 Cr from Q1 FY26 to Q1 FY27, indicating steady housing market uptake.

Annualised loan loss to average AUF dropped from 2.66% to 2.07% from Q1 FY26 to Q1 FY27, showing improving credit efficiency.

In the news

₹49 lakh crore market-cap wipeout! Nifty giants face value trap debate

LIC Subscribes ₹5,000 Cr Bajaj Finance NCDs at 8.15% Coupon

NBFCs Enter Stronger Earnings Cycle with 24% PAT Growth Expected

Nomura raises Bajaj Finance target to ₹1,270 amid regulatory risks