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Bajaj Finance
Bajaj Finance (BAJFINANCE) investor relations material
Bajaj Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary19 Oct, 2026
Executive summary
Q2 FY27 AUM rose 26.5% to ₹584,624 crore; PAT increased 29% to ₹6,367 crore.
Added 4.42 million customers and booked 13.45 million new loans; customer franchise reached 128.85 million.
Q2 included ₹337 crore of prudent management and macro-economic provisions; excluding this, loan losses and provisions declined 12% YoY.
Financial highlights
Consolidated NII rose 24% to ₹13,335 crore and net total income rose 23% to ₹15,974 crore; pre-provisioning operating profit grew 23% to ₹10,699 crore.
PBT increased 29% to ₹8,537 crore; excluding the ₹337 crore provision, PBT was ₹8,874 crore, up 34%.
Consolidated PAT grew 29% to ₹6,367 crore; H1 FY27 PAT was ₹12,447 crore, up 28% YoY.
New loans booked rose 11% to 13.45 million; comparison with Q2 FY26 was affected by the earlier festival season.
Outlook and guidance
FY27 AUM growth expectation is 26%-27%; medium-term AUM growth guidance is 23%-25% annually.
FY27 targets include 60–62 million new loans, 18–20 million new customers, 150–175 new locations, and 2,700–2,800 Gold Loan branches.
FY27 operating expenses to net total income are expected to improve 25–40 bps; longer-term corridors include 19%-21% ROE and 4.3%-4.7% ROA.
Credit-cost outlook was optimistic, supported by improving 3MOB, 6MOB and 9MOB vintage performance; management expected a similar credit-cost corridor for the rest of FY27.
Medium-term plan targets a ₹11 lakh crore balance sheet by FY30; longer-term profit growth target is 20%-25%.
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Latest events from Bajaj Finance
- AUM rose 29% and PAT 59%, as growth returned amid ongoing macro risks.BAJFINANCE
Q4 21/22 - FY2020 growth remained strong as COVID-19 intensified credit and liquidity risks.BAJFINANCEQ4 19/20
- AUM rose 34% and PAT 26%, despite regulatory restrictions and higher impairments.BAJFINANCEQ4 23/24
- Higher COVID-related credit costs cut profit despite H2 recovery and strong capital.BAJFINANCEQ4 20/21
- AUM rose 25%, PAT 64%, and asset quality improved as digital expansion continued.BAJFINANCEQ4 22/23
- FY2019 PAT rose 60% as AUM grew 41%, despite NBFC funding stress.BAJFINANCEQ4 18/19
- AUM climbed 34% and PAT 44%, while FY2019 brought rate and liquidity risks.BAJFINANCEQ4 17/18
- Income grew 36%, PAT 44% and AUM 36%, despite disruption and credit risks.BAJFINANCEQ4 16/17
- FY2016 profit rose 42% as AUM expanded 36%, with net NPA held to 0.28%.BAJFINANCEQ4 15/16
Next Bajaj Finance earnings date
Q3 26/272 Feb, 2027
Bajaj Finance
Next Bajaj Finance earnings date
Q3 26/272 Feb, 2027
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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.