Question 1

What are the key takeaways from Bajaj Finance Limited?

Accepted Answer

Bajaj Finance Q2 FY27: Net total income ₹15,974 Cr, PAT ₹6,367 Cr (vs ₹4,948 Cr YoY) This Q2 FY27 investor presentation reports consolidated Net total income of ₹15,974 Cr and Profit after tax of ₹6,367 Cr (up 29% YoY), with Assets under Management of ₹584,624 Cr (up 26% YoY) and Profit before tax of ₹8,537 Cr (up 29% YoY). The deck highlights strong customer traction with 13.45 MM new loans booked in Q2 and 4.42 MM new customers added in the quarter, taking total franchise to 128.85 MM. Asset…

Question 2

What were Bajaj Finance Limited's key financial metrics?

Accepted Answer

Assets under management (AUM): ₹584,624 Cr (vs ₹462,261 Cr in Q2 FY26); Net total income (Consolidated): ₹15,974 Cr (vs ₹12,982 Cr in Q2 FY26); Profit after tax (PAT) - Consolidated: ₹6,367 Cr (vs ₹4,948 Cr in Q2 FY26); Profit before tax (PBT) - Consolidated: ₹8,537 Cr (vs ₹6,608 Cr in Q2 FY26)

Question 3

What were the highlights of Bajaj Finance Limited?

Accepted Answer

Consolidated AUM grew 26% YoY to ₹584,624 Cr with AUM addition of ₹37,680 Cr in Q2 FY27 Net total income rose 23% YoY to ₹15,974 Cr in Q2 FY27 driven by a 24% YoY increase in net interest income to ₹13,335 Cr Consolidated PBT increased 29% YoY to ₹8,537 Cr in Q2 FY27 and PBT before the prudent macro provision was ₹8,874 Cr Loan losses and provisions were ₹2,166 Cr in Q2 FY27 including a prudent management and macro-economic provision of ₹337 Cr

Question 4

What is the outlook or guidance for Bajaj Finance Limited?

Accepted Answer

Company expects to disburse 60-62 MM new loans in FY27 Management expects to add 18-20 MM new customers to the franchise in FY27 Company plans to open 150-175 new locations in FY27 and close FY27 with 2,700-2,800 Gold Loan branches and 520-550 MFI branches

Question 5

What are the key risks or concerns for Bajaj Finance Limited?

Accepted Answer

Fundraise of up to ₹11,700 Cr (QIP) and ₹5,800 Cr warrants may dilute equity and will require shareholder approvals, creating near-term execution and market risk Transient increase in Stage 2 assets—notably a ₹1,047 Cr increase in gold loans—could pressure credit cost if transitional behaviour persists Macro-economic prudence: Q2 FY27 includes a ₹337 Cr macro provision which signals management uncertainty on macro outlook and provisioning needs

Bajaj Finance Limited

Quarterly Results 16

Annual Reports 15

Concalls 42

Bajaj Finance Limited

Quarterly Results 16

Annual Reports 15

Concalls 42