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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bajaj Finserv
Bajaj Finserv (BAJAJFINSV) investor relations material
Bajaj Finserv Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary3 Nov, 2026
Executive summary
Q2 FY27 consolidated total income rose 16.7% to ₹43,416 crore; PAT increased 25.4% to ₹5,952 crore and PAT attributable to owners grew 22.9% to ₹2,758 crore.
H1 FY27 consolidated total income rose 17.8% to ₹85,453 crore; PAT increased 21.6% to ₹12,249 crore and PAT attributable to owners grew 17.0% to ₹5,890 crore.
Lending and life insurance growth supported results; general insurance faced CAT claims, lower investment gains and elevated claims ratios, while emerging businesses had mixed performance.
Financial highlights
Q2 consolidated profit before exceptional items and tax was ₹8,604 crore, including a ₹379 crore New Labour Codes charge; basic and diluted EPS were ₹17.22 and ₹17.12.
Adjusted for unrealised investment MTM and including realised equity gains booked in OCI, Q2 PAT was ₹2,978 crore, up 22%; H1 adjusted PAT was ₹5,990 crore, up 13%.
Standalone net worth was ₹12,902 crore, up 29.1%; consolidated net worth was ₹83,974 crore, up 9.8%, and standalone surplus funds were ₹4,702 crore.
Standalone H1 PAT was ₹2,576 crore versus ₹1,415 crore, including a ₹20 crore Section 80M tax-provision write-back.
Outlook and guidance
FY2030 aspirations: consolidated total income of ₹315,000–₹340,000 crore, PAT of ₹21,000–₹24,000 crore and a 220 million customer franchise.
AMC targets operating breakeven by FY2029, marketplace by FY2028 and insurance marketplace by FY2027; specified ventures expect less than ₹500 crore additional burn over three years.
Bajaj Life cited 20.8% rolling 12-month NBM as a reasonable baseline; management said the quarter’s 4.5 percentage-point margin expansion is unlikely to recur at the same pace.
Emerging businesses recorded Q2 losses of ₹144 crore, as envisaged; Bajaj Reinsurance was incorporated in October 2026 and will seek regulatory approvals.
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Latest events from Bajaj Finserv
- Revenue grew 28%, but COVID-related provisions and market losses tempered profit growth to 5%.BAJAJFINSV
Q4 19/20 - Insurance growth and market gains offset elevated lending credit costs amid COVID-19 uncertainty.BAJAJFINSVQ4 20/21
- Lending growth lifted FY2019 profit as insurance absorbed catastrophe and credit losses.BAJAJFINSVQ4 18/19
- Income grew 20% and PAT 41%, led by lending and life insurance growth.BAJAJFINSVQ4 22/23
- Strong lending and insurance growth offset pandemic-driven credit and claims pressure.BAJAJFINSVQ4 21/22
- FY2018 profit grew as lending and insurance expanded, despite rising macro and rate risks.BAJAJFINSVQ4 17/18
- Lending and insurance powered FY2017 growth, while standalone profit fell with dividend income.BAJAJFINSVQ4 16/17
- Bajaj Finance drove profit growth as insurers navigated distinct growth and claims pressures.BAJAJFINSVQ4 15/16
- Lending and general insurance drove growth as life insurance adjusted to a tougher market.BAJAJFINSVQ4 14/15
Next Bajaj Finserv earnings date
Q3 26/274 Feb, 2027
Bajaj Finserv
Next Bajaj Finserv earnings date
Q3 26/274 Feb, 2027
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Frequently asked questions
Bajaj Finserv Limited is engaged in the business of lending and investing financial services. The Company operates through three segments: Lending, General Insurance and Wealth Management. The Lending segment includes loans to micro, small and medium enterprises, corporate loans, home loans, personal loans and machinery loans. The General Insurance segment includes general insurance, health insurance and motor insurance. The Wealth Management segment offers mutual fund services.