Tag Bajaj Finserv Ltd

Bajaj Finserv Ltd
Bajaj Finserv Q4 Results: Net Profit Rises 14.1% to ₹2,416.6 Cr and Strong Revenue Growth

Business and Industry Overview: 

Bajaj Finserv Ltd is a big finance company in India. Its main office is in Pune, Maharashtra. The company started in 2007 after separating from Bajaj Auto. It is part of the Bajaj Group. The company works in many areas. It gives loans, sells insurance, runs mutual funds, and offers health and digital services. Its loan business is done by Bajaj Finance Ltd. This company gives many types of loans. These include personal loans, home loans, business loans, and loans for farmers. Bajaj Finserv also sells insurance. It works with two insurance companies — Bajaj Allianz Life Insurance and Bajaj Allianz General Insurance. In 2025, Bajaj Finserv said it wants to buy full control of both. The company started a mutual fund business in 2023. It now offers many investment options. Bajaj Finserv also has a website and app called Bajaj Markets. People can use it to get loans, insurance, and investment products. It also has a health company called Bajaj Finserv Health. It helps people get healthcare online. In 2024, it bought a company called Vidal Healthcare to grow more. The company also helps people. It gives scholarships and teaches skills to youth. Bajaj Finserv has over 100 million customers in India. 

Latest Stock News: 

On April 30, 2025, Bajaj Finserv’s stock fell by around 6%. The stock was trading near ₹1,936. This happened even after the company showed good results for the last quarter (Q4 FY25). Bajaj Finserv’s total profit for the quarter went up by 14%. It made ₹2,417 crore. Its revenue also increased by 14% to ₹36,595 crore. But investors were not happy. They were worried about higher credit costs. The company also gave a lower growth target for the next year (FY26). It said its asset growth (AUM) will now be 24–25%, earlier it was 25–27%. It also reduced its return on equity (RoE) goal from 21–23% to 19–20%. Bajaj Finance, which is part of Bajaj Finserv, also gave updates. It said one share will now become ten. It will do a 1:2 stock split and a 4:1 bonus issue. That means for one old share, people will get ten new shares. Bajaj Finance also showed good results. Its profit rose by 19% to ₹4,546 crore. But its stock also dropped by 5%. Investors were again worried about high credit costs and slow growth in the future. So, even with good profits, both stocks fell because of future worries. 

Segmental information: 

1. Retail Finance – Bajaj Finance Ltd: This is the biggest part of Bajaj Finserv. It gives loans to people and businesses. People take personal loans, home loans, and business loans from this company. Many people take loans because it is fast and simple. In the last quarter (Q4 of FY25), this business earned ₹18,058 crore. This is 27% more than last year. The profit before tax was ₹5,834 crore. This is 15% more than last year. This business makes the highest profit for Bajaj Finserv. 

2. Insurance Business: Bajaj Finserv has two insurance companies. One is for general insurance. One is for life insurance. 

General Insurance is given by Bajaj Allianz General. It gives insurance for health, cars, homes, and travel. In Q4 FY25, it got ₹6,626 crore as premium. This is 46% more than last year. It made a profit of ₹400 crore. This is 39% more than last year. 

Life Insurance is given by Bajaj Allianz Life. It gives insurance to protect life and also savings plans. It got ₹6,361 crore as premium. This is 16% more than last year. It got new business value (NBV) of ₹1,061 crore. Last year, NBV was ₹950 crore. Both insurance companies are growing well. 

3. Investments and Other Income: This part earns money from investing. It also earns from other financial work. It is smaller than loans and insurance. But it gives regular income to the company. In Q4 FY25, this part earned ₹476 crore. It helps the company earn more money in a smart way. 

4. New Businesses: Bajaj Finserv has started some new businesses. One is Mutual Fund business. It is called Bajaj Finserv Mutual Fund. It started in 2023. It gives different mutual fund plans to investors. In its first year, it got ₹9,552 crore in total assets. This means many people invested. Another new business is Bajaj Finserv Health. It gives health services online. People can use it for doctor visits, tests, and health plans. In 2024, this company bought another health company called Vidal Healthcare. This helped Bajaj Finserv Health to grow bigger. 

Subsidiary information: 

  1. Bajaj Finance Ltd 
  1. Bajaj Allianz Life Insurance Company Ltd 
  1. Bajaj Allianz General Insurance Company Ltd 
  1. Bajaj Housing Finance Ltd 
  1. Bajaj Financial Securities Ltd 
  1. Bajaj Finserv Direct Ltd (Bajaj Markets) 
  1. Bajaj Finserv Health Ltd 
  1. Bajaj Finserv Asset Management Ltd 
  1. Bajaj Finserv Mutual Fund Trustee Ltd 
  1. Bajaj Finserv Ventures Ltd 

Q4 Highlights: 

  • Net Profit: ₹2,417 crore, up 14% from ₹2,119 crore last year. 
  • Revenue: ₹36,595 crore, up 14% from ₹32,041 crore last year. 
  • Profit Before Tax (PBT): ₹6,002 crore, up 8.6% from ₹5,526 crore last year. 
  • Quarterly Growth: Net profit grew by 8% from ₹2,231 crore in Q3 FY25. 

Financial Summary: 

Amount in ₹ Crore Q4 FY24 Q4 FY25 FY24 FY25 
Revenue 32,041 36,595 110,382 133,821 
Expenses 21,108 23,868 69,497 84,612 
EBITDA 10,933 12,728 40,886 49,209 
OPM 36% 35% 37% 37% 
Other Income 4 10 -4 19 
Net Profit 4,085.00 4,756 15,595 17,558 
NPM 12.75 13.00 14.13 13.12 
EPS 13.28 15.14 51.07 55.57