Bajaj Finance Limited · NSE:BAJFINANCE
Bajaj Finance — Q2 FY26 Earnings Presentation
64 slides from Bajaj Finance's earnings presentation, Nov 10, 2025
Slide 1: Exchange filing cover letter
10 November 2025 THE MANAGER, THE MANAGER, BSE LIMITED LISTING DEPARTMENT DCS - CRD NATIONAL STOCK EXCHANGE OF INDIA LTD. 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 SCRIP CODE: BAJFI
Slide 2: Q2 FY26 Investor Presentation
Q2 FY26 Investor Presentation 10 November 2025
Slide 3: Presentation Path
Presentation Path Section 01 Section 02 Section 03 Section 04 Executive summary – Q2 FY26 Executive summary – Bajaj Finance Limited Financial performance – Asset liability Q2 FY26 overview Q2 FY26 management 3 15 29 34 Section 05 Section 06 Section 07 Section 08 Customer franchise Business segment U
Slide 4: Section 01: Executive summary – Q2 FY26
Section 01 1.1 Quarter gone by Executive summary – Q2 FY26 1.2 Lead financial indicators 3
Slide 5: Q2 FY26 Executive summary - Consolidated
Q2 FY26 Executive summary - Consolidated A good quarter on volume, AUM, Opex, profitability, ROA and ROE. Credit cost remained elevated. Delivered AUM growth of ₹ 20,811 crore to ₹462,261 crore, booked 12.17 MM new loans and added 4.13 MM new customers. Customer franchise stood at 110.64 MM. AUM Ope
Slide 6: Lead financial indicators – Q2 FY26 (1/3)
Lead financial indicators – Q2 FY26 (1/3) Balance sheet and business metrics 1. AUM was up 24% to ₹ 462,261 crore as against ₹ 373,924 crore as of 30 September 2024. 2. AUM grew by ₹ 20,811 crore in Q2 FY26. 3. New loans booked were at 12.17 MM in Q2 FY26 as against 9.69 MM in Q2 FY25, recording a g
Slide 7: Lead financial indicators – Q2 FY26 (2/3)
Lead financial indicators – Q2 FY26 (2/3) Operating efficiencies 11. Net interest income grew by 22% to ₹ 10,785 crore as against ₹ 8,838 crore in Q2 FY25. 12. Net total income grew by 20% to ₹ 13,170 crore as against ₹ 10,946 crore in Q2 FY25. 13. Opex to Net total income improved to 32.6% as again
Slide 8: Lead financial indicators – Q2 FY26 (3/3)
Lead financial indicators – Q2 FY26 (3/3) 21. GNPA & NNPA stood at 1.24% & 0.60%, respectively, as of 30 September 2025 as against 1.06% & 0.46% as of 30 September 2024. Profitability and capital 22. Consolidated pre-provisioning operating profit grew by 21% to ₹ 8,874 crore in Q2 FY26. 23. Consolid
Slide 9: Additional updates
Additional updates Change in leadership 1. As a further update to our Q4FY25 announcement regarding management structure, the Board of Directors, at its meeting held today have approved elevation of Mr. Manish Jain as the Deputy CEO of the Company. In addition to his current role as Managing Directo
Slide 10: FINAI transformation update
FINAI transformation update 1. FINAI remains central to our long-term vision, and we are on track to become a future-ready financial services leader. 2. FINAI implementation is underway across each line of business and should start to reflect in costs and productivity benefits in the next 12-18 mont
Slide 11: Q2 FY26 Executive summary - BHFL
Q2 FY26 Executive summary - BHFL A stable quarter with AUM growth of 24% despite heightened competitive intensity and higher portfolio attrition. Delivered PAT growth of 18% and ROA of 2.3%. Asset quality remained healthy with GNPA at 0.26%, NNPA at 0.12% and annualized credit cost of 0.18%, lowest
Slide 12: Lead financial indicators – Q2 FY26 (1/2)
Lead financial indicators – Q2 FY26 (1/2) BHFL - Balance sheet and geography 1. AUM was up 24% at ₹ 126,749 crore as against ₹ 102,569 crore as of 30 September 2024. 2. Home loans AUM grew by 19%, Loan against property grew by 29%, Lease rental discounting grew by 35%, Developer finance grew by 25%.
Slide 13: Lead financial indicators – Q2 FY26 (2/2)
Lead financial indicators – Q2 FY26 (2/2) BHFL - Operating efficiencies 10. Net interest income grew by 34% to ₹ 956 crore as against ₹ 713 crore in Q2 FY25. 11. Net total income grew by 22% to ₹ 1,097 crore as against ₹ 897 crore in Q2 FY25. 12. Opex to Net total income improved to 19.6% as against
Slide 14: Q2 FY26 Executive summary - BFSL
Q2 FY26 Executive summary - BFSL Good quarter on AUM, PAT and new customer addition. Delivered AUM of ₹ 7,597 crore, PAT grew by 27% and added 94K customers to its franchise in Q2 FY26. Retail and HNI customer franchise stood at 1.15 MM as of 30 September 2025. AUM Net total PBT PAT Customer income
Slide 15: Lead financial indicators – Q2 FY26
Lead financial indicators – Q2 FY26 BFSL – Customer franchise, geography and balance sheet 1. Added 94K customers to its franchise in Q2 FY26 against 77k in Q2 FY25. 2. Retail and HNI customer franchise stood at 1.15 MM as of 30 September 2025 against 0.83 MM as of 30 September 2024. 3. Geographic p
Slide 16: 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 BFL Consolidated 18-years financial overview 2.5 snapshot 2.6 BHFL 8-years financial snapshot 2.7 Product suite 2.8 Executive summary 15
Slide 17: Bajaj Group Structure
Bajaj Group Structure Bajaj Finserv Ltd. (Listed) 74%5 74%5 100% 51.32%1 4 Bajaj Finance Ltd. Bajaj Life Bajaj General Insurance Bajaj Finserv (Listed) Insurance Ltd. Ltd. Health Ltd. 88.70% 100% Bajaj Housing Finance Vidal Healthcare Ltd. (Listed) Services Pvt. Ltd. 100% Bajaj Financial Securities
Slide 18: 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 construct is to
Slide 19: BFL Consolidated long-term guidance on financial metrics
BFL Consolidated long-term guidance on financial metrics AUM growth Profit growth GNPA in corridor of in corridor of in corridor of 25%-27% 23%-24% 1.2%-1.4% NNPA Return on assets Return on equity in corridor of in corridor of in corridor of 0.4%-0.5% 4.3%-4.7% 19%-21% 18
Slide 20: Key strategic differentiators
Key strategic differentiators Part of the Bajaj group – one of the oldest & most A trusted brand with strong brand equity respected business houses Focus on mass and affluent segments Total customer franchise of 110.64 MM Strong focus on cross selling assets, payments, insurance Highly data oriented
Slide 21: Our shareholder profile
Our shareholder profile Top 20 investors and their holdings As on 30 As on 30 As on 30 S.No. Name of Shareholder Sep 24 Jun 25 Sep 25 1 BAJAJ FINSERV LTD 50.70% 51.39% 51.32% 2 MAHARASHTRA SCOOTERS LIMITED 3.07% 3.05% 3.05% FII & FPI 3 GOVERNMENT OF SINGAPORE 3.06% 2.41% 2.48% 21.97% 4 LIFE INSURANC
Slide 22: 18-years financial snapshot - Consolidated
18-years financial snapshot - Consolidated ₹ in crore CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 (18 yrs.) 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 36.2 43.4 25% Customer franchi
Slide 23: 8-years financial snapshot – BHFL
8-years financial snapshot – BHFL ₹ in crore CAGR Financials snapshot FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 (8 yrs.) AUM (₹ ‘000 Cr) 3.57 17.56 32.70 38.87 53.32 69.23 91.37 114.68 64% Total income 106 1,156 2,646 3,155 3,767 5,665 7,617 9,576 90% Interest expenses 47 685 1,616 1,966 2,155 3,211 4
Slide 24: Product suite
Product suite BAJAJ FINANCE LIMITED Partnership & Consumer MSME Commercial Rural Deposits Payments Services 1. Consumer Durable Loans 1. Unsecured Working 1. Loan against securities 1. Consumer Durable 1. Retail Term Issuance 1. Life Insurance 2. Digital Product Loans Capital Loans 2. IPO financing
Slide 25: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Focused on Urban, Rural, MSME, Commercial and Payments businesses • Strategic business unit organisation design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage • Leveraging AI, digital transformation,
Slide 26: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Offers unsecured working capital loans to MSME and self-employed professionals • Secured offerings include enterprise loans against property MSME Business • Focused on accelerating used car financing business • Focused on affluent MSMEs with established financials
Slide 27: 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 28: 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 Lease Rental • Customer base spans across commercial real estate developers, listed REITs, Private Equity and Sovereign funds Discounting • LRD
Slide 29: 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 30: Section 03: Financial performance – Q2 FY26
3.1 Financial statement summary – Consolidated Section 03 3.2 Financial statement summary – Bajaj Finance Limited Financial performance— Financial statement summary – Q2 FY26 3.3 Bajaj Housing Finance Limited 3.4 Financial statement summary – Bajaj Financial Securities Limited 29
Slide 31: Financial summary – Consolidated
Financial summary – Consolidated ₹ in Crore Financials snapshot Q2 FY26 Q2 FY25 Y-o-Y H1 FY26 H1 FY25 H-o-H Assets under management 4,62,261 3,73,924 24% 4,62,261 3,73,924 24% Assets under finance 4,52,527 3,67,491 23% 4,52,527 3,67,491 23% Interest income 17,796 14,987 19% 34,941 29,036 20% Interes
Slide 32: Financial summary – Bajaj Finance
Financial summary – Bajaj Finance ₹ in Crore Financials snapshot Q2 FY26 Q2 FY25 Y-o-Y H1 FY26 H1 FY25 H-o-H Assets under management 3,38,121 2,75,043 23% 3,38,121 2,75,043 23% Asset under finance 3,32,545 2,72,191 22% 3,32,545 2,72,191 22% Interest income 14,969 12,598 19% 29,459 24,447 21% Interes
Slide 33: Financial summary – Bajaj Housing Finance
Financial summary – Bajaj Housing Finance ₹ in Crore Financials snapshot Q2 FY26 Q2 FY25 Y-o-Y H1 FY26 H1 FY25 H-o-H Assets under management 1,26,749 1,02,569 24% 1,26,749 1,02,569 24% Assets under Finance 1,13,059 89,878 26% 1,13,059 89,878 26% Interest income 2,614 2,227 17% 5,107 4,290 19% Intere
Slide 34: Financial summary – Bajaj Financial Securities
Financial summary – Bajaj Financial Securities ₹ in Crore Financials snapshot Q2 FY26 Q2 FY25 Y-o-Y H1 FY26 H1 FY25 H-o-H Assets under finance 7,597 5,430 40% 7,597 5,430 40% Interest income 205 157 31% 358 291 23% Interest expenses 110 93 18% 200 179 12% Net interest income 95 64 48% 158 112 41% Fe
Slide 35: Section 04: Asset liability management
Conservative leverage standards – 4.1 Consolidated 4.2 Resilient business model – Consolidated Section 04 4.3 Behaviouralized ALM – Bajaj Finance Limited Asset liability management 4.4 Behaviouralized ALM – Bajaj Housing Finance Limited 4.5 Disciplined ALM Management – Bajaj Finance Limited 4.6 Cons
Slide 36: Conservative leverage standards
Conservative leverage standards 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 6.6 6.3 28.3% 27.2% 25.0% 25.0% 24.7% 25.1% 24.8% 23.2% 22.5% 21.7% 21.9% 22.0% 5.4 21.3% 21.7% 21.6% 21.5% 4.8 20.7% 20.9% 20.8% 21.1% 21.2% 20.7% 5.1 5.1 21.2% 4.9 4.9 20.3% 19.7% 4.7 4.9 4.7 4.7 4.7 4.7 20.5% * 16.3%
Slide 37: Resilient business model – Consolidated
Resilient business model – Consolidated 46.5% 41.8% 42.5% 41.4% 38.4% 37.8% 36.0% 35.3% 35.4% 34.6% 34.0% 33.2% 32.7% 32.6% 30.7% 35.1% 33.5% 27.2% 27.3% 28.0% 27.1% 26.9% 9.00% 8.24% 8.27% 8.39% 7.84% 7.74% 7.97% 7.79% 7.52% 6.81% 7.04% 5.3% 5.1% 4.6% 4.5% 4.5% 3.7% 3.9% 4.1% 4.1% 4.2% 3.1% Mar'17
Slide 38: Behaviouralized ALM as of Sep 2025 – BFL
Behaviouralized ALM as of 30 Sep 2025 – 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 12,605 1,696 12,500 473 2,097 2,333 2,895 4,592 233 12,316 51,741 Advances 12,182 3,983 8,047 17,882 16,355 40,681 61,859 1,25,067 36,166
Slide 39: Behaviouralized ALM as of Sep 2025 – BHFL
Behaviouralized ALM as of 30 Sep 2025 – 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 155 - 299 4 13 415 540 424 419 - 2,269 Advances 1,151 516 1,324 2,391 2,338 6,687 11,777 33,831 19,680 33,364 113,059 Other inflows - - 2
Slide 40: Disciplined ALM Management - BFL
Disciplined ALM Management - BFL Cumulative gap upto 1 month Cumulative gap upto 12 month 220% 216% 119% 120% 118% 93% 85% 87% 96% 75% 61% 80% 81% 69% 59% 56% 71% 51% 72% 60% 65% 62% 57% 54% 57% 50% 31% 43% 32% 31% Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Mar'24 Jun'24 Sept'24 Dec'24
Slide 41: Consolidated liability mix
Consolidated liability mix 3% 4% 3% 1% 2% 2% 4% 4% 4% 4% 4% 5% 3% 10% 12% 13% 5% 9% 7% 8% 13% 9% 9% 3% 14% 12% 10% 11% 3% 2% 2% 7% 6% 4% 1% 1% 1% 1% 1% 1% 1% 38% 36% 34% 35% 40% 32% 34% 37% 37% 36% 35% 40% 40% 40% 45% 33% 30% 36% 31% 30% 29% 29% 28% 28% 26% 48% 34% 26% 35% 25% 20% 19% 21% 21% 20% 20
Slide 42: Section 05: Customer franchise and distribution reach
5.1 Customer franchise Section 05 5.2 Product per customer Customer franchise and distribution reach 5.3 Geographic presence 5.4 Strong distribution reach 41
Slide 43: Customer franchise
Customer franchise Q2 FY25 Q2 FY26 Q1 FY26 Total Franchise 110.64 106.51 92.09 MM MM MM 76.17 MM Credit segment filter 94.32 MM 88.48 MM 73.74 MM Overall Cross sell franchise 90.47 MM 85.41 MM Non delinquent 65.82 MM customers 80.65 MM 76.15 MM Cross sell franchise 57.70 MM 71.32 MM 67.77 MM (62.7%)
Slide 44: Product Per Customer (PPC)
Product Per Customer (PPC) Product Per Customer (PPC) is a business metric used to determine average number of products or services (active or closed) a customer has availed over the lifetime with BFL. Product offerings are classified into 4 product segments: 1. Lending: All lending products of the
Slide 45: Geographic presence
Geographic presence 30 Sep 30 Sep 30 Sep 31 Dec 31 Mar 30 Jun 30 Sep Geographic Presence 2022 2023 2024 2024 2025 2025 2025 Urban lending locations 1,372 1,469 1,596 1,599 1,582 1,544 1,539 Rural lending locations 2,313 2,465 2,649 2,660 2,681 2,648 2,500 Total Bajaj Finance presence 3,685 3,934 4,2
Slide 46: Strong distribution reach
Strong distribution reach Active distribution* 30 Sep 2022 30 Sep 2023 30 Sep 2024 31 Dec 2024 31 Mar 2025 30 Jun 2025 30 Sep 2025 Consumer durable stores – Urban 31,400+ 38,850+ 45,300+ 47,000+ 49,400+ 51,650+ 52,650+ Consumer durable stores – Rural 33,500+ 43,350+ 56,650+ 59,350+ 62,700+ 64,950+ 6
Slide 47: Section 06: Business segment wise AUM
Section 06 6.1 Business segment wise AUM - Consolidated Business segment wise AUM 6.2 Business segment wise AUM – Consolidated Mortgages and BHFL 46
Slide 48: 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 Sep 2024 30 Sep 2025 30 Sep 2025 30 Sep 2025 30 Sep 2024 30 Sep 2025 Mortgages 1,15,836 28,905 1,25,048 1,44,412 2
Slide 49: Business segment wise AUM - Mortgages
Business segment wise AUM - Mortgages ₹ in Crore Composition Composition AUM as of AUM as of Growth Particulars as of as of 30 Sep 24 30 Sep 25 YoY 30 Sep 24 30 Sep 25 Consolidated mortgages Home Loans 59,805 70,911 19% 51.6% 49.2% Loan Against Property 22,918 30,648 34% 19.8% 21.2% Lease Rental Dis
Slide 50: 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 49
Slide 51: Provisioning Coverage – Consolidated
Provisioning Coverage – Consolidated ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Sep 25 (%) 30 Sep 24 30 Jun 25 30 Sep 25 30 Sep 24 30 Jun 25 30 Sep 25 Captive 2W & 3W Finance 7,086 925 516 44% 4.83% 9.78% 12.08% 2.59% 5.75% 7.12% Open Market 2W & 3W Finance 7,177 179 85 52% 1.51% 1.86
Slide 52: 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 5,907 822 925 68 91 409 1.15% 11.07% 44.22% Open Market 2W & 3W Finance 7,074 97 179 66 14 94 0
Slide 53: Provisioning Coverage - BHFL
Provisioning Coverage - BHFL ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Sep 25 (%) 30 Sep 24 30 Jun 25 30 Sep 25 30 Sep 24 30 Jun 25 30 Sep 25 Home Loans 69,845 217 99 54.21% 0.31% 0.36% 0.32% 0.14% 0.16% 0.15% Loan Against Property 12,985 57 27 51.15% 0.79% 0.61% 0.59% 0.38% 0.29% 0.
Slide 54: 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 66,645 299 217 108 64 118 0.16% 21.58% 54.21% Loan Against Property 9,603 80 57 65 17 30 0.68% 21.34% 51.15% Lease R
Slide 55: Portfolio credit quality – Consolidated (1/4)
Portfolio credit quality – Consolidated (1/4) Consumer Durable & Lifestyle Digital Product 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1 1 2 2 1.4% 2.0% 1.2% 1.0% 1.5% 0.8% 1.0% 0.6% 0.4% 0.5% 0.2% 0.0% 0.0% Feb'20 Mar'23
Slide 56: Portfolio credit quality – Consolidated (2/4)
Portfolio credit quality – Consolidated (2/4) Rural B2C 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 1 2 2 2.5% 2.5% 2.0% 2.0% 1.5% 1.5% 1.0% 1.0% 0.5% 0.5% 0.0% 0.0% Feb'20 Mar'23
Slide 57: Portfolio credit quality – Consolidated (3/4)
Portfolio credit quality – Consolidated (3/4) Gold Loans MFI Lending 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1 1 2 2 5.0% 2.0% 4.0% 3.0% 1.0% 2.0% 1.0% 0.0% 0.0% Feb'20 Mar'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'
Slide 58: Portfolio credit quality – Consolidated (4/4)
Portfolio credit quality – Consolidated (4/4) Car Loans CV & Tractor Finance Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 1 2 2 2.0% 2.0% 1.5% 1.5% 1.0% 1.0% 0.5% 0.5% 0.0% 0.0% Feb'20 Mar'23 Mar'24 Jun'24 Sep'24 Dec'24 M
Slide 59: Section 08: Omnipresence overview
Omnipresence metrics Section 08 8.1 Omnipresence summary 8.2 Customer franchise - overview Key financial metrics 58
Slide 60: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q2 FY25 Q1 FY26 Q2 FY26 YoY Geography New locations added # 43 (71) (153) - Locations - Cumulative # 4,245 4,192 4,039 (5%) Standalone Gold loan branches – Cumulative # 757 1,049 1,109 46% App + Web M
Slide 61: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q2 FY25 Q1 FY26 Q2 FY26 YoY App + Web business metrics EMI cards acquired # in MM 0.28 0.16 0.20 (29%) Personal loan disbursed In ₹ Cr 5,248 5,086 5,426 3% Gold loan origination In ₹ Cr 480 820 687 43
Slide 62: Customer franchise - Key financial metrics
Customer franchise - Key financial metrics H1 H1 Particulars @ Unit FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 YoY FY25 FY26 New loans booked In MM 15.3 23.5 27.4 16.9 24.7 29.6 36.2 43.4 20.7 25.7 24% New customer addition In MM 6.1 8.3 8.1 6.0 9.0 11.6 14.5 18.2 8.5 8.8 4% Existing customer mix % 60.
Slide 63: 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 trailing restrictions. This presentation doe
Slide 64: 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