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Visual21 Nov 2025
Data center suppliers
Bajaj Finance (BAJFINANCE) investor relations material
Bajaj Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary10 Nov, 2025
Executive summary
AUM grew 24% year-over-year to ₹462,261 crore, with 12.17 million new loans booked and 4.13 million new customers added in Q2 FY26; customer franchise reached 110.64 million.
Profit after tax rose 23% YoY to ₹4,948 crore; net interest income increased 22% to ₹10,785 crore, and net total income up 20% to ₹13,170 crore.
Cost of funds improved to 7.52% in Q2; deposits contributed 18% to consolidated borrowings.
AI-driven transformation underway, with 85% of customer service resolutions handled by AI bots and 80 high-impact use cases to go live by FY 2026.
Credit costs remain elevated, mainly from MSME and two/three-wheeler segments, with risk actions taken to reduce unsecured MSME exposure.
Financial highlights
Net interest income grew 22% YoY to ₹10,785 crore; net total income up 20% to ₹13,170 crore; pre-provisioning operating profit increased 21% to ₹8,874 crore.
Profit before tax up 22% to ₹6,608 crore; profit after tax up 23% to ₹4,948 crore; annualised ROA and ROE at 4.5% and 19.1% respectively.
GNPA and NNPA at 1.24% and 0.60% as of 30 September 2025, up from 1.06% and 0.46% YoY.
Capital adequacy ratio strong at 21.23%, with Tier-1 capital at 20.54%.
Deposit book grew 5% YoY, now 18% of borrowings; liquidity buffer at ₹16,058 crore, daily average LCR at 291%.
Outlook and guidance
FY 2026 AUM growth guidance revised to 22%-23% due to risk actions in MSME and revised subsidiary outlook.
Full-year credit cost expected at 1.85%-1.95%, with significant improvement anticipated in FY 2027.
MSME business growth expected at 10%-12% for FY 2026.
Cost of funds for FY 2026 guided at 7.5%-7.60%.
Long-term guidance: AUM growth 25%-27%, profit growth 23%-24%, GNPA 1.2%-1.4%, NNPA 0.4%-0.5%, ROA 4.3%-4.7%, ROE 19%-21%.
What drives the increase in consolidated NPAs?
Explain AUM growth divergence across segments.
Detail significant related party loan commitments.
Quantify FINAI's impact on OpEx/productivity
What portfolio mix shifts drive FY27 credit cost outlook?
Elaborate on MSME risk actions and their impact
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Next Bajaj Finance earnings date
Q3 25/2628 Jan, 2026
Next Bajaj Finance earnings date
Q3 25/2628 Jan, 2026
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Frequently asked questions
Bajaj Finance Limited engages in the provision of non-banking financial services. The company offers short-term loans, rental facilities and financing services to individuals through its network of dealers; and retail finance products comprising loans, credit cards and home loans. It also finances vehicles for small and medium enterprises, as well as for public sector units. The company was founded in 1987 and is based in Pune, India.
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