Bajaj Finserv (BAJAJFINSV) Investor presentation summary

Group structure and strategy

• Operates a diversified financial services ecosystem with subsidiaries in finance, insurance, health tech, asset management, and digital marketplaces.

• Completed acquisition of Allianz's stake, making insurance businesses fully owned and India-focused.

• Vision is to be a lifecycle financial partner for individuals, SMEs, and corporates, offering products across lending, insurance, investments, and health.

• Strong technology and data orientation enhances customer engagement and operational efficiency.

• Significant expansion in customer franchise, locations, and distribution, with a focus on financial inclusion and gender diversity.

Financial performance and growth

• Consolidated revenue reached $16.5B in FY2026, with a 13% YoY growth; PAT at $1.08B, up 10.5%.

• All-time high consolidated revenue and PAT achieved in FY2026 across major subsidiaries.

• Bajaj Finance AUM grew to $56B, with PAT of $2.1B and ROE of 18.1%.

• Bajaj Housing Finance AUM at $15.5B, PAT $281M, and ROE 12.2%.

• Insurance subsidiaries maintain high solvency margins and strong capital adequacy.

Insurance businesses

• Bajaj General Insurance is the 3rd largest general insurer, with a 5-year GWP CAGR of 11% and industry-leading combined ratios.

• Deep, diversified distribution network and product mix mitigate concentration risk and support profitability.

• Bajaj Life Insurance achieved fastest growth in RWRP and VNB among peers, with a 5-year CAGR of 30% and 35% respectively.

• Both insurance arms maintain high solvency ratios and efficient capital use, with minimal capital infusion since inception.