Bajaj Finserv Ltd. is the holding company for the various financial services businesses under the Bajaj group. It serves millions of customers by providing solutions for asset acquisition through financing, asset protection through general insurance, family and income protection in the form of life and health insurance, and retirement and savings solutions. The company was established in 2007 after its separation from Bajaj Auto Limited to focus on the financial services business.
1 in 7 Indians is our valued customer, making Bajaj Finserv a one-stop integrated solution for financial well-being of a billion-strong nation. The company has grown to become one of India's most diversified financial services entities, with 1 in 7 Indians is our valued customer, making Bajaj Finserv a one-stop integrated solution for financial well-being of a billion-strong nation.
Bajaj Finserv has a market cap of ₹3,18,668 Crore (up 26.3% in 1 year) as of July 2025. Promoter Holding: 60.6% demonstrates strong management control and stakeholder confidence.
For the year ended 2024, Bajaj Finserv Ltd had posted a profit of Rs 15,595.36 crore on a total income of Rs 1,10,382.29 crore. For the latest quarter ending 2025, Bajaj Finserv Ltd reported a profit of Rs 2,416.64 crore on a total income of Rs 36,605.46 crore for the quarter ended 2025.
**Key Financial Metrics:**
- Revenue: ₹1,33,821 Cr (FY24)
- Profit: ₹17,558 Cr (FY24)
- Book Value Multiple: 4.40 times
FY2024 saw our businesses achieve significant scale and set new benchmarks. Consolidated revenue crossed ₹1 lakh crore (₹1 trillion), marking a historic milestone for the group.
The company's largest revenue contributor is through its flagship subsidiary, Bajaj Finance Limited, one of India's leading non-banking financial companies. Over 17 years, Bajaj Finance has enabled India's growing mass affluent and middle-class population to fulfil aspirations by providing access to an extensive range of financial solutions. Since inception, the Company has leveraged technology to launch 26 product lines and 51 product variants for retail, MSME and commercial consumers, with major product innovations such as the EMI card and Flexi.
The company offers a comprehensive suite of insurance solutions via its two subsidiaries, Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited. These products include term plans, ULIPs, endowment policies, retirement plans, including health, motor, travel, and home insurance.
**Revenue Mix (FY22 vs FY18):**
- Life Insurance: 25% vs 55%
- General Insurance: 28% vs 0%
- Retail Financing: 45% vs 43%
- Investment: 1% vs 2%
Emerged as one of the leading home loan companies closing with an AUM exceeding ₹90,000 crore in FY24. Bajaj Housing Finance Limited: The AUM was up 31% at Rs 97,071 crore in Q1FY25, as against Rs 74,124 crore as of 30 June 2023.
The company operates in the wealth management space through Bajaj Financial Securities Limited and Bajaj Finserv Asset Management. Bajaj Financial Securities Limited (BFinsec): Margin Trading Finance AUM grew by 265% at Rs 4,390 crore, as against Rs 1,202 crore as of 30 June 2023.
The blueprint envisages your Company to become a dominant payments and financial services company in India over the medium term. The company aims to build a customer franchise of over 150 million, market share of 3% of payments Gross Merchandise Value (GMV), 3%-4% of total financial services penetration.
We have been high adopters of emerging technologies by leveraging Gen AI, optimising cloud technology, deploying next-generation cyber security, payment technologies, and augmented reality. The company has established Bajaj Technology Services offers digital-first solutions for BFSI businesses in 6 key areas: Adobe, SalesForce, Cloud, Gen AI, Data Analytics and Digital agency.
Bajaj Finance is forecast to grow earnings and revenue by 20.6% and 24.8% per annum respectively. EPS is expected to grow by 20.5% per annum. The strong growth trajectory is supported by diversification and customer base expansion are poised to drive revenue growth, supported by operational efficiencies and technological advancements.
The company maintains its market leadership position with long-term view anchored on prudence and risk management to deliver 'through the cycle' return on equity of 21-23%. To deliver sustainable growth and endeavour to be among the top five in respective product and sector.
So far, Bajaj Finserv has transformed the lives of 2 million people. It has a multiplier effect on the well-being of youth and their families. Social impact programmes at Bajaj Finserv have evolved over the years to focus on youth skilling, women empowerment, child health, education and protection.
That of inclusion of the underserved into the nation's financial mainstream. remains a core mission, with the company bringing new-to-credit customers into the formal financial system through innovative products and services.
Bajaj Finserv stands as a comprehensive financial services powerhouse with strong fundamentals, diversified revenue streams, and robust growth prospects, making it a significant player in India's evolving financial landscape.
