Bajaj Finance Limited · NSE:BAJFINANCE
Bajaj Finance — Q1 FY27 Earnings Presentation
71 slides from Bajaj Finance's earnings presentation, Jul 30, 2026
Slide 1: Exchange filing cover letter for Q1 FY27 investor presentation
30 July 2026 To To The Manager The Manager Listing Department Listing Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1. Block G, Dalal Street, Bandra - Kurla Complex, Bandra (East) Mumbai - 400 001 Mumbai - 400 051 SCRIP CODE: 500034 SCRI
Slide 2: Yers
100 Yers BAIAS
Slide 3: Q1 FY27 Investor Presentation
Q1 FY27 Investor Presentation 30 July 2026
Slide 4: Presentation Path
Presentation Path Section 01 Section 02 Section 03 Section 04 Executive summary – Q1 FY27 Executive summary – Bajaj Finance Limited Financial performance Asset liability Q1 FY27 overview – Q1 FY27 management 4 20 36 41 Section 05 Section 06 Section 07 Section 08 Customer franchise Business segment U
Slide 5: Section 01: Executive summary – Q1 FY27
Section 01 1.1 Quarter and year gone by Executive summary – 1.2 Lead financial indicators Q1 FY27 4
Slide 6: Q1 FY27 Executive summary - Consolidated
Q1 FY27 Executive summary - Consolidated An excellent quarter across all key metrics of AUM, new customer addition, credit cost, profits, ROA and ROE. AUM grew by 24% to ₹ 546,944 crore. Delivered AUM addition of ₹ 36,969 crore. PBT grew by 28% to ₹ 8,149 crore. Booked 16.13 MM new loans and added 5
Slide 7: Lead financial indicators for Q1 FY27 – consolidated (1/3)
Lead financial indicators for Q1 FY27 – consolidated (1/3) Balance sheet and business metrics 1. AUM was up 24% to ₹ 546,944 crore as against ₹ 441,450 crore as of 30 June 2025. 2. AUM grew by ₹ 36,969 crore in Q1 FY27. 3. New loans booked grew by 20% to 16.13 MM in Q1 FY27 as against 13.49 MM in Q1
Slide 8: Lead financial indicators for Q1 FY27 – consolidated (2/3)
Lead financial indicators for Q1 FY27 – consolidated (2/3) Operating efficiencies 11. Net interest income grew by 23% to ₹ 12,571 crore as against ₹ 10,228 crore in Q1 FY26. NIM remained steady in Q1. 12. Net total income grew by 22% to ₹ 15,224 crore as against ₹ 12,460 crore in Q1 FY26. 13. Opex t
Slide 9: Lead financial indicators for Q1 FY27 – consolidated (3/3)
Lead financial indicators for Q1 FY27 – consolidated (3/3) 20. Asset quality remained strong, with GNPA and NNPA improving to 0.96% and 0.39%, respectively, as of 30 June 2026, compared with 1.03% and 0.50% as of 30 June 2025. 21. The provisioning coverage ratio on stage 3 assets was 60% in Q1 FY27.
Slide 10: FINAI transformation update
FINAI transformation update •1 In FY27, your Company is doubling down in expanding its FINAI transformation with 400 dedicated people in AI unit and adding another 300 people in digital platforms unit to rapidly accelerate this transformation. This will help augment customer-centricity, tech transfo
Slide 11: FINAI transformation update (1/5)
FINAI transformation update (1/5) # Stage Metric UoM Q1 FY26 Q4 FY26 Q1 FY27 YoY Dedicated employees working in AI unit # as of 107 203 230 115% 1 People Employee AI text BOT * # as of - - 25 - Voice to Data conversion for all customer # MM - 31 45 - interactions Text to Data conversion for all cust
Slide 12: FINAI transformation update (2/5)
FINAI transformation update (2/5) # Stage Metric UoM Q1 FY26 Q4 FY26 Q1 FY27 YoY Existing customer face match # MM - 6.3 6.0 - Customer 6 Documents processed for application # MM 11 25 32 196% Onboarding AI summaries live for products on App and # as of - - 2 Web 7 Operations Underwriter efficiency
Slide 13: FINAI transformation update (3/5)
FINAI transformation update (3/5) # Stage Metric UoM Q1 FY26 Q4 FY26 Q1 FY27 YoY Debt Receipts through AI Text BOTs * # MM - 0.01 0.10 - 10 Management SMS with AI Text BOT penetration % - - 14% - Service Click-through-rate of AI BOT in SMS X times - - 1.0X - Business Requirement Document (BRD) % 19%
Slide 14: FINAI transformation update (4/5)
FINAI transformation update (4/5) # Details Timelines Status 1 Data Intelligence Build and scale “Data for AI” capabilities, including feature marts, embeddings and data 1.1 FY27 On track annotation across voice, text, video, images, unstructured data and knowledge graphs 2 Consumer AI Re-architect
Slide 15: FINAI transformation update (5/5)
FINAI transformation update (5/5) # Details Timelines Status 5 AI Fraud model 5.1 Define fraud detection framework with AI-driven capabilities Q3 FY27 On track Deploy inline, proactive fraud detection model using Vision AI, Voice AI, network and 5.2 Q3 FY27 On track anomaly detection 6 AI Governance
Slide 16: Q1 FY27 Executive summary – BHFL
Q1 FY27 Executive summary – BHFL A good quarter across key metrics of volume, AUM, credit cost, profit, ROA and ROE. PBT grew by 23% to ₹ 929 crore. AUM grew by 24% to ₹ 149,624 crore. Disbursements grew by 33%. Asset quality was resilient during the quarter with annualized credit cost at 5 bps. PBC
Slide 17: Lead financial indicators for Q1 FY27 – BHFL (1/2)
Lead financial indicators for Q1 FY27 – BHFL (1/2) BHFL - Balance sheet and geography 1. AUM was up 24% at ₹ 1,49,624 crore as against ₹ 1,20,420 crore as of 30 June 2025. 2. Home loans AUM grew by 20%, Loan against property grew by 22%, Lease rental discounting grew by 41%, Developer finance grew b
Slide 18: Lead financial indicators for Q1 FY27 – BHFL (2/2)
Lead financial indicators for Q1 FY27 – BHFL (2/2) BHFL - Operating efficiencies 10. Net interest income grew by 9% to ₹ 968 crore as against ₹ 887 crore in Q1 FY26. 11. Net total income grew by 16% to ₹ 1,175 crore as against ₹ 1,009 crore in Q1 FY26. 12. Opex to Net total income improved to 19.6%
Slide 19: Q1 FY27 Executive summary - BFSL
Q1 FY27 Executive summary - BFSL Good quarter on new customer addition, AUM and profit. Added 108K customers to its franchise in Q1 FY27. AUM grew by 60% to ₹ 9,770 crore and PAT by 22 % to 50 crore. Overall customer franchise stood at 1.49 MM as of 30 June 2026. AUM Net total * PBT PAT Customer fra
Slide 20: Lead financial indicators for Q1 FY27 – BFSL
Lead financial indicators for Q1 FY27 – BFSL BFSL – Customer franchise, geography and balance sheet 1. Added 108K customers to its franchise in Q1 FY27 against 77k in Q1 FY26. 2. Customer franchise stood at 1.49 MM as of 30 June 2026 against 1.06 MM as of 30 June 2025. 3. AUM was up 60 % at ₹ 9,770
Slide 21: Section 02: Bajaj Finance Limited overview
2.1 Bajaj group structure 2.2 What do we stand for 2.3 Key strategic differentiators Section 02 2.4 Our shareholder profile Bajaj Finance Limited 2.5 BFL Consolidated 19-years financial overview snapshot 2.6 BHFL 9-years financial snapshot 2.7 Product suite 2.8 Executive summary 20
Slide 22: Bajaj Group Structure
Bajaj Group Structure Bajaj Finserv Ltd. (Listed) 77.33%2 77.33%2 100% 51.30%1 4 Bajaj Finance Ltd. Bajaj Life Bajaj General Bajaj Finserv (Listed) Insurance Ltd. Insurance Ltd. Health Ltd. 86.70% 100% Bajaj Housing Finance Vidal Healthcare Ltd. (Listed) Services Pvt. Ltd. 100% Bajaj Financial Secur
Slide 23: What do we stand for
What do we stand for “A diversified non-bank with a deposit taking license” “Focused on mass and affluent segments, leveraging cross-sell to drive lifetime value” “Diversified financial services strategy with an optimal mix of risk and profit to deliver a resilient business model” “Business construc
Slide 24: Long-term guidance on financial metrics - Consolidated
Long-term guidance on financial metrics - Consolidated AUM growth Profit growth GNPA in corridor of in corridor of in corridor of 23%-25% 23%-24% <1.4% NNPA Return on assets Return on equity in corridor of in corridor of in corridor of <0.5% 4.3%-4.7% 19%-21% 23
Slide 25: Key strategic differentiators
Key strategic differentiators Be the pre-eminent choice which meets all financial services needs of its 200 MM customers. Its AI enabled technology BFL 3.0 – A FINAI Company architecture that integrates AI across all its processes to deliver significant operating leverage and create a virtuous growt
Slide 26: Our shareholder profile
Our shareholder profile Top 20 investors and their holdings As on 30 As on 31 As on 30 # Name of Shareholder Jun 25 Mar 26 Jun 26 1 BAJAJ FINSERV LTD 51.39% 51.32% 51.30% FII & FPI 2 MAHARASHTRA SCOOTERS LIMITED 3.05% 3.06% 3.06% 20.21% 3 LIFE INSURANCE CORPORATION OF INDIA 1.35% 1.47% 1.57% 4 GOVER
Slide 27: 19-years financial snapshot - Consolidated (before presentation changes)
19-years financial snapshot - Consolidated (before presentation changes) ₹ in crore CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (19Y) Loans booked (MM) 1.0 0.6 0.9 1.6 2.2 2.8 3.4 4.9 6.8 10.1 15.3 23.5 27.4 16.9 24.7 29.6
Slide 28: 19-years financial snapshot - Consolidated (after presentation changes)
19-years financial snapshot - Consolidated (after presentation changes) ₹ in crore CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (19Y) Loans booked (MM) 1.0 0.6 0.9 1.6 2.2 2.8 3.4 4.9 6.8 10.1 15.3 23.5 27.4 16.9 24.7 29.6
Slide 29: 9-years financial snapshot – BHFL
9-years financial snapshot – BHFL ₹ in crore CAGR Financials Snapshot FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (9 yrs.) AUM (₹ Cr) 3,570 17,562 32,705 38,871 53,322 69,228 91,370 114,684 140,706 58% Total income 106 1,156 2,646 3,155 3,766 5,655 7,601 9,554 11,151 79% Interest expenses 47 685 1,
Slide 30: Product suite
Product suite BAJAJ FINANCE LIMITED Partnership & Consumer MSME Commercial Rural Deposits Payments Services 1. Consumer Durable 1. Unsecured Working 1. Loan against 1. Consumer Durable 1. Retail Term Issuance 1. Life Insurance Loans Capital Loans securities Loans Deposits 1. PPI Distribution 2. Digi
Slide 31: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Focused on Consumer Finance, Personal loans, MSME, Gold Loan, Wheels financing and Commercial businesses. • Long-term strategy: building a customer-centric company serving all needs of the customer, leveraging technology and AI to drive growth and efficiency and m
Slide 32: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Offers secured & unsecured loans to MSME and self-employed professionals, to meet their working capital and asset financing requirements. MSME • Secured offerings inclue enterprise loans against property, affordable housing loans and medical and industrial equipme
Slide 33: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Operates across 21 locations through branch and digital channels, providing seamless financing solutions Loan against • Offers short to medium-term loans against shares, bonds, mutual funds, insurance policies and deposits across retail, HNI, securities and promot
Slide 34: Executive summary – Bajaj Housing Finance
Executive summary – Bajaj Housing Finance • Subsidiary of Bajaj Finance Limited • Independent organization design having all dedicated functions and units to drive domain expertise, scalability and operating leverage • Offers full range of mortgage products such as home loans, loan against property
Slide 35: Executive summary – Bajaj Housing Finance
Executive summary – Bajaj Housing Finance • Offers LRD to high net-worth individuals and developers against commercial property leased to corporate lessees • Customer base spans across commercial real estate developers, listed REITs, Private Equity and Sovereign funds Lease Rental Discounting • LRD
Slide 36: Executive summary – Bajaj Financial Securities
Executive summary – Bajaj Financial Securities • A 100% subsidiary of Bajaj Finance Limited • Offers a wide range of capital market products - Broking, Depositary services, Margin Trade Financing, ESOP Financing, IPOs and Distribution of Mutual Funds, PMS, and AIF. Overview • Broking business caters
Slide 37: Section 03: Financial performance – Q1 FY27
Financial statement summary – 3.1 Consolidated Financial statement summary – Section 03 3.2 Bajaj Finance Limited Financial performance— Financial statement summary – Q1 FY27 3.3 Bajaj Housing Finance Limited 3.4 Financial statement summary – Bajaj Financial Securities Limited 36
Slide 38: Financial summary – Consolidated
Financial summary – Consolidated ₹ in Crore Financials snapshot Q1 FY27 Q1 FY26 Y-o-Y FY26 FY25 Y-o-Y Assets under management 546,944 441,450 24% 509,975 416,661 22% Assets under finance 536,138 432,458 24% 498,944 407,844 22% Interest income 20,513 17,145 20% 72,776 61,164 19% Interest expenses 7,9
Slide 39: Financial summary – Bajaj Finance
Financial summary – Bajaj Finance ₹ in Crore Financials snapshot Q1 FY27 Q1 FY26 Y-o-Y FY26 FY25 Y-o-Y Assets under management 4,00,388 3,25,438 23% 3,72,986 3,08,832 21% Assets under finance 3,95,219 3,20,705 23% 3,67,226 3,04,359 21% Interest income 17,369 14,491 20% 61,357 51,549 19% Interest exp
Slide 40: Financial summary – Bajaj Housing Finance
Financial summary – Bajaj Housing Finance ₹ in Crore Financials snapshot Q1 FY27 Q1 FY26 Y-o-Y FY26 FY25 Y-o-Y Assets under management 149,624 120,420 24% 140,706 114,684 23% Assets under Finance 131,162 105,954 24% 123,745 99,513 24% Interest income 2,856 2,493 15% 10,512 8,986 17% Interest expense
Slide 41: Financial summary – Bajaj Financial Securities
Financial summary – Bajaj Financial Securities ₹ in Crore Financials snapshot Q1 FY27 Q1 FY26 Y-o-Y FY26 FY25 Y-o-Y Assets under finance 9770 6098 60% 7984 4505 77% Interest income 273 153 78% 871 609 43% Interest expenses 179 90 99% 491 360 36% Net interest income 94 63 49% 380 249 53% Fees and com
Slide 42: Section 04: Asset liability management
Conservative leverage standards – 4.1 Consolidated 4.2 Resilient business model – Consolidated Section 04 Behaviouralized ALM – Bajaj Finance 4.3 Limited Asset liability management Behaviouralized ALM – Bajaj Housing 4.4 Finance Limited 4.5 Disciplined ALM Management – Bajaj Finance Limited 4.6 Cons
Slide 43: Conservative leverage standards
Conservative leverage standards 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 6.0 6.0 6.0 6.0 28.3% 6.6 27.2% 6.3 6.3 25.0% 25.0% 24.7% 25.1% 24.8% 23.2% 22.5% 22.0% 21.9% 21.2% 21.5% 21.6% 20.9% 5.4 21.3% 21.5% 21.1% 20.7% 21.2% 20.0 20.5% 20.6% 20.7% 20.3% 19.7% 19.5% 5.1 5.1 4.9 4.9 4.8 4.9 * 4.7 4.8 4.8 16.1%
Slide 44: Resilient business model – Consolidated
Resilient business model – Consolidated 46.5% 43.3% 42.5% 41.7% 40.5% 37.8% 36.0% 35.6% 35.4% 36.1% 38.4% 34.8% 33.3% 33.9% 33.1% 33.1% 33.8% 33.4% # 36.5% 33.3% 31.0% 33.8% 29.5% 29.2% 27.2% 27.3% 28.0% 27.6% 27.1% 26.9% 9.47% 9.00% 8.24% 8.27% 8.39% 7.84% 7.74% 7.97% 7.79% 7.52% 6.81% 7.04% 7.45%
Slide 45: Behaviouralized ALM as of 30 June 2026 – BFL
Behaviouralized ALM as of 30 June 2026 – BFL ₹ in Crore Particulars 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 16,341 2,137 9,203 49 33 3,665 6,350 792 468 14,850 53,888 Advances 14,547 4,354 7,947 22,986 21,389 52,215 75,910 1,45,962 39,793 29,176
Slide 46: Behaviouralized ALM as of 30 June 2026 – BHFL
Behaviouralized ALM as of 30 June 2026 – BHFL ₹ in Crore Particulars 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 87 5 2 2 86 115 2,226 - - - 2,523 Advances 1,313 516 1,752 2,877 2,796 8,026 14,412 39,408 22,958 37,103 131,161 Other inflows 540 1,200
Slide 47: Disciplined ALM Management - BFL
Disciplined ALM Management - BFL Cumulative gap upto 1 month Cumulative gap upto 12 month 220% 216% 119% 120% 93% 87% 96% 80% 69% 66% 59% 57% 51% 49% 51% 65% 62% 64% 57% 54% 56% 50% 31% 46% 43% 32% 31% 36% Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Mar'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun
Slide 48: Consolidated liability mix
Consolidated liability mix 3% 4% 3% 1% 2% 4% 4% 4% 4% 5% 5% 10% 12% 13% 5% 9% 7% 8% 3% 14% 12% 10% 11% 12% 11% 3% 2% 2% 12% 7% 6% 4% 1% 1% 1% 1% 1% 1% 1% 36% 34% 35% 40% 32% 36% 35% 40% 40% 38% 37% 40% 37% 45% 33% 30% 36% 31% 28% 28% 26% 34% 26% 28% 30% 30% 35% 25% 20% 19% 21% 21% 20% 19% 18% 17% 17
Slide 49: Section 05: Customer franchise and distribution reach
5.1 Customer franchise 5.2 Product per customer Section 05 Customer franchise and 5.3 Geographic presence distribution reach 5.4 Strong distribution reach 48
Slide 50: Customer franchise
Customer franchise Q1 FY26 Q1 FY27 Q4 FY26 Total Franchise 124.43 MM 119.33 MM 106.51 MM 88.48MM Credit segment filter 106.72 MM 101.53 MM 85.41 MM Overall Cross sell franchise 102.12 MM 97.22 MM Non delinquent 76.15 MM customers 91.14 MM 86.66 MM Cross sell franchise 67.77 MM 79.22 MM 75.51 MM (63.
Slide 51: Product Per Customer (PPC)
Product Per Customer (PPC) Our customer-centric strategy, characterized by strong customer trust and relevant product offerings, will help gain the wallet share of existing customers. Product Per Customer (PPC) is a business metric used to determine average number of products or services (active or
Slide 52: Geographic presence
Geographic presence 31 Mar 31 Mar 30 Jun 30 Sep 31 Dec 31 Mar 30 Jun Geographic Presence 2024 2025 2025 2025 2025 2026 2026 Urban lending locations 1,569 1,582 1,544 1,539 1,535 1,527 1,515 Rural lending locations 2,576 2,681 2,648 2,500 2,517 2,571 2,558 Total Bajaj Finance presence 4,145 4,263 4,1
Slide 53: Strong distribution reach
Strong distribution reach Active distribution 30-Jun-23 30-Jun-24 30-Jun-25 30-Sep-25 31-Dec-25 31-Mar-26 30-Jun-26 Consumer durable stores – Urban 36,850+ 44,200+ 51,650+ 52,650+ 52,650+ 53,050+ 56,200+ Consumer durable stores – Rural 39,850+ 53,050+ 64,950+ 66,250+ 66,800+ 68,400+ 70,700+ Digital
Slide 54: Section 06: Business segment wise AUM
Business segment wise AUM - Section 06 6.1 Consolidated Business segment wise Business segment wise AUM – AUM 6.2 Consolidated Mortgages and BHFL 53
Slide 55: Business segment wise AUM - Consolidated
Business segment wise AUM - Consolidated ₹ in Crore Consolidated BFL BHFL Consolidated Composition Composition Growth % Change Particulars as of as of as of as of as of as of YoY YoY 30 Jun 2025 30 Jun 2026 30 Jun 2026 30 Jun 2026 30 Jun 2025 30 Jun 2026 Captive 2W & 3W Finance 8,812 3,209 - 3,209 (
Slide 56: Business segment wise AUM - Mortgages
Business segment wise AUM - Mortgages ₹ in Crore Consolidated mortgages AUM as of AUM as of Growth Composition Composition Particulars 30 Jun 25 30 Jun 26 YoY as of 30 Jun 25 as of 30 Jun 26 Home Loans 68,304 82,069 20% 50% 47% Loan Against Property 28,627 39,315 37% 21% 23% Lease Rental Discounting
Slide 57: Section 07: Update on credit quality
7.1 Provisioning Coverage - Consolidated 7.2 Stagewise ECL provisioning – Consolidated Section 07 7.3 Provisioning Coverage - BHFL Update on credit quality 7.4 Stagewise ECL provisioning - BHFL 7.5 Portfolio credit quality - Consolidated 56
Slide 58: Provisioning Coverage - Consolidated
Provisioning Coverage - Consolidated ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Jun 26 (%) 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 Captive 2W & 3W Finance 3,209 554 299 46% 9.78% 14.35% 15.37% 5.75% 8.09% 8.94% Open Market 2W & 3W Finance 8,588 136 75 45% 1.86% 1.6
Slide 59: Stagewise ECL provisioning - Consolidated
Stagewise ECL provisioning - Consolidated ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Captive 2W & 3W Finance 2,625 425 554 52 88 255 1.97% 20.83% 45.96% Open Market 2W & 3W Finance 8,561 81 136 111 18 61
Slide 60: Provisioning Coverage - BHFL
Provisioning Coverage - BHFL ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Jun 26 (%) 30 Jun 25 31 Mar 26 30 Jun 26 30 Jun 25 31 Mar 26 30 Jun 26 Home Loans 80,865 268 115 57% 0.36% 0.35% 0.34% 0.16% 0.14% 0.15% Loan Against Property 15,445 73 29 60% 0.61% 0.46% 0.62% 0.29% 0.21% 0.25% L
Slide 61: Stagewise ECL provisioning - BHFL
Stagewise ECL provisioning - BHFL ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Home Loans 77,070 334 268 114 91 153 0.15% 27.31% 57.03% Loan Against Property 11,660 63 73 64 21 44 0.55% 32.41% 60.42% Lease
Slide 62: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Consumer Durable & Lifestyle Digital Product 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage Stage 98.65% 99.59% 99.38% 99.40% 99.46% 99.48% 99.55% 99.67% 99.68% 1 1 98.49% 99.54% 99
Slide 63: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Rural Personal Loans Business & Professional loans Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.80% 98.49% 98.03% 98.00% 97.94% 98.13% 98.74% 99.12% 99.16% 1 99.01% 99.
Slide 64: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Gold loans MFI lending Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 97.93% 96.01% 96.14% 98.97% 98.32% 98.79% 99.01% 99.19% 98.98% 1 0.00% 0.00% 100.0% 98.81% 99.07% 99.22
Slide 65: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Car loans CV and Tractor Finance 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.09% 99.40% 99.03% 98.62% 98.51% 98.26% 98.32% 98.55% 98.66% 1 0.00% 0.00% 0.00%
Slide 66: Section 08: Omnipresence metrics
Omnipresence metrics Section 08 8.1 Omnipresence summary 8.2 Customer franchise - overview Key financial metrics 65
Slide 67: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q1 FY26 Q4 FY26 Q1 FY27 YoY Geography New locations added # (71) 46 (25) - Locations - Cumulative # 4,192 4,098 4,073 (3%) App + Web Metrics App downloads # in MM 21.66 21.3 24.02 11% App Net installs
Slide 68: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q1 FY26 Q4 FY26 Q1 FY27 YoY App + Web business metrics EMI cards acquired # in MM 0.16 0.13 0.16 (6%) Easy EMI Loans* # in MM - 0.27 0.38 - Personal loan disbursed In ₹ Cr 5,086 5,531 6,219 22% Gold l
Slide 69: Customer franchise - Key financial metrics
Customer franchise - Key financial metrics Q1 Q1 Particulars @ Unit FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 YoY FY26 FY27 New loans booked In MM 23.5 27.4 16.9 24.7 29.6 36.2 43.4 52.5 13.5 16.1 19% New customer addition In MM 8.3 8.1 6.0 9.0 11.6 14.5 18.2 17.5 4.7 5.1 9% Existing customer mix % 64
Slide 70: Disclaimer
Disclaimer This presentation has been prepared by and is the sole responsibility of Bajaj Finance Limited (together with its subsidiaries, referred to as the “Company” or “Bajaj Finance”. By accessing this presentation, you are agreeing to be bound by the following restrictions. This presentation do
Slide 71: Glossary
Glossary Abbreviation Expansion Abbreviation Expansion ALM Asset liability management LRD Lease rental discounting AMO After market order MF Mutual funds AR Augmented reality MFI Microfinance ASSC Authorised sales & support centre MSME Micro, Small & Medium Enterprises AUM Assets under management MT