About Bajaj Finance Limited (BFL)

Bajaj Finance Limited (BFL) is one of India’s largest and most diversified non-banking financial companies, engaged in lending, partnerships and services, payments, and acceptance of deposits. Incorporated in 1987 as Bajaj Auto Finance Private Limited, the Company was listed on BSE in 1994 and on NSE in 2003, and it adopted its current name in 2010.

The Group serves individuals and businesses through a wide suite of products—loans, fixed deposits, payments, insurance and mutual funds—delivered via app, web, social channels, and a pan‑India footprint, positioning it as the country’s largest private-sector NBFC by breadth of offering and reach .

Headquartered in Pune, BFL operates across 4,263 locations nationwide (including 2,681 in rural/smaller towns), covering 28 States and 6 Union Territories; the Group has no international operations and no export revenue contribution . On a consolidated basis in FY2025, BFL managed Assets Under Management (AUM) of Rs 416,661 crore and served 101.82 million customers; deposits stood at Rs 71,403 crore, and it delivered a ROA of 4.6% and ROE of 19.2%. The Company is classified by RBI as an Upper Layer NBFC and reported a standalone capital adequacy ratio of 21.93%, with consolidated GNPA/NNPA among the lowest in the industry at 0.96%/0.44%.

Key platforms and brands include the Bajaj Finserv App (among the top five finance apps on Google Play in FY2025), as well as digital platforms Bajaj Mall and Bajaj Pay; capital markets services are offered through Bajaj Financial Securities Limited (Bajaj Broking) . The Group’s product portfolio spans consumer lending (sales finance), personal loans, SME and commercial lending, auto financing, rural lending, gold loans, loans against securities, mortgages, deposits, and partnerships and services .

Bajaj Finance Limited’s Business Segments

• Operating divisions and product lines: BFL focuses on 10 categories—Consumer Lending (Sales Finance), Personal Loans, SME Lending, Auto Financing, Rural Lending, Gold Loans, Commercial Lending, Loan against Securities, Deposits, and Partnerships and Services.

• AUM by line of business (FY25): Consolidated AUM of Rs 416,661 crore comprised Mortgages Rs 129,461 crore; Urban B2C Rs 87,696 crore; SME lending Rs 50,345 crore; Commercial lending Rs 27,760 crore; Loans against securities Rs 25,377 crore; Car Loans Rs 11,876 crore; Urban/Rural Sales Finance Rs 29,109 crore and Rs 7,944 crore respectively; Rural B2C Rs 21,467 crore; Gold Loans Rs 8,307 crore; Two- and three‑wheeler finance Rs 17,319 crore.

• Industries served: Sectoral exposure spans Agriculture and allied activities; Industry (including large and other industries); and Services such as transport operators, professional services, retail trade, commercial real estate, NBFCs and other services. Personal loans coverage includes consumer durables, vehicle/auto finance, and advances against shares/bonds and gold.

Bajaj Finance Limited Key Management

• Sanjiv Bajaj, Chairman. Provides board leadership for the Company.

• Anup Saha, Managing Director. Re‑designated as Managing Director with effect from April 1, 2025.

• Sandeep Jain, Chief Financial Officer.

Latest Updates on Bajaj Finance Limited

• Strategic transformation: BFL outlined “BFL 3.0 – a FINAI company, integrating AI across processes, with 75+ AI applications to be deployed in FY26 and an ambition to meet all financial needs of 200 million customers by FY2029.

• Capital markets milestone: Subsidiary Bajaj Housing Finance Limited (BHFL) completed a Rs 6,560 crore IPO in September 2024; BFL’s stake reduced to 88.75%, and BHFL listed on NSE and BSE on  September 16, 2024.

• Funding: BFL raised approximately US$ 1 billion of fully hedged External Commercial Borrowings (ECB) as term loans from multiple banks in FY2025 .

• Digital and app: The Bajaj Finserv App crossed 70.57 million installs and ranked among top finance apps; BFL executed a unified stack across app and web to enhance customer journeys .