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Bajaj Finserv (BAJAJFINSV) investor relations material
Bajaj Finserv Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary25 Jul, 2025
Executive summary
Consolidated total income grew 13% year-over-year to ₹35,451 crore, with profit after tax up 30% to ₹2,789 crore, marking an all-time high quarterly PAT.
Strong performance across finance, insurance, housing finance, and emerging digital and health tech segments, with double-digit growth in key metrics.
Regulatory approvals received for Allianz's exit from joint ventures; acquisition of 26% stake in insurance arms underway.
Asset management and health platform businesses showed significant expansion in AUM and transaction volumes.
Digital transformation initiatives (FINAI) launched across the group.
Financial highlights
Consolidated profit after tax rose 30% year-over-year to ₹2,789 crore; PBT growth was 21%.
Bajaj Finance AUM up 25% to ₹441,450 crore; PAT up 22% to ₹4,765 crore.
General insurance GWP up 9% to ₹5,202 crore; PAT up 15% to ₹660 crore; solvency margin at 334%.
Life insurance GWP up 9% to ₹5,479 crore; VNB up 39% to ₹145 crore; PAT up 76% to ₹171 crore.
Housing finance AUM up 24% to ₹120,420 crore; PAT up 21% to ₹583 crore.
Outlook and guidance
Expectation of strong H2 growth in life insurance as base effects normalize; group protection growth tied to recovery in MFI sector.
Lending businesses anticipate continued customer and loan growth, with over 50 million new loans targeted for FY26.
FY26 expected to be a defining year for digital transformation (FINAI) with new capabilities going live.
Focus on sustainable and profitable growth, leveraging technology, and expanding product suite across all segments.
Continued investment in emerging businesses, with Q1 FY26 losses from these at ₹142 crore as planned.
Explain BALIC's VNB growth drivers.
Assess BAGIC's premium growth ex. tender impact.
Detail BFS's strategy for emerging businesses.
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Next Bajaj Finserv earnings date
Q2 25/2624 Oct, 2025
Next Bajaj Finserv earnings date
Q2 25/2624 Oct, 2025
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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.
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