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Bajaj Finance Q2 FY27 Investor Presentation

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Bajaj Finance Limited's Q2 FY27 investor presentation dated 19 October 2026, filed with the Indian stock exchanges (BSE/NSE). The 68-page deck reports AUM of ₹584,624 crore (+26%), PAT of ₹6,367 crore (+29%) and a 128.85 MM customer franchise for the quarter ended 30 September 2026. It also covers the subsidiaries Bajaj Housing Finance Ltd (BHFL) and Bajaj Financial Securities Ltd (BFSL). Indian FY27 runs April 2026 to March 2027, so Q2 FY27 is July to September 2026.

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التنقل السريع

العلامات

Bajaj Finance
Investor presentation
NBFC
India
Earnings presentation

مشاركة الشرائح

الوصف

الموضوع الرئيسي

Bajaj Finance Limited's Q2 FY27 investor presentation dated 19 October 2026, filed with the Indian stock exchanges (BSE/NSE). The 68-page deck reports AUM of ₹584,624 crore (+26%), PAT of ₹6,367 crore (+29%) and a 128.85 MM customer franchise for the quarter ended 30 September 2026. It also covers the subsidiaries Bajaj Housing Finance Ltd (BHFL) and Bajaj Financial Securities Ltd (BFSL). Indian FY27 runs April 2026 to March 2027, so Q2 FY27 is July to September 2026.

الفوائد الرئيسية

  • •Shows how a regulator-grade NBFC earnings deck is organised, from executive summary to glossary, in 68 pages
  • •Gives consolidated, BFL standalone, BHFL and BFSL results side by side with year-on-year comparisons
  • •Includes credit-quality, provisioning and stage-wise ECL tables that can serve as a reference for risk disclosure layouts
  • •Presents asset liability management, leverage and liability-mix charts with a clear time series from March 2017 to September 2026
  • •Offers a dense monochrome table and chart system that is easy to reuse for your own financial reporting

الجمهور المستهدف

  • •Equity analysts and institutional investors following Indian NBFCs
  • •Investor relations and finance teams preparing quarterly results decks
  • •Students and researchers studying Indian consumer finance and lending
  • •Designers building data-dense financial presentation templates
  • •Credit and risk professionals comparing portfolio quality disclosures

حالات الاستخدام

  • •Reviewing Bajaj Finance's Q2 FY27 results, guidance and capital-raise plan
  • •Benchmarking NBFC disclosures such as GNPA, NNPA, PCR, CRAR and leverage
  • •Using the deck as a structural template for a quarterly investor presentation
  • •Reusing the black dense-table style for annual reports or lender updates
  • •Studying how AI transformation (FINAI) progress is reported to investors

عروض القيمة الفريدة

  • •A strict 8-section structure (Executive summary, BFL overview, Financial performance, ALM, Customer franchise, Segment AUM, Credit quality, Omnipresence) with clickable agenda and section dividers
  • •A five-page FINAI (AI transformation) disclosure with metrics tables and a roadmap with timelines and status
  • •A 19-year consolidated financial snapshot (FY08 to FY26) plus a 9-year BHFL snapshot in one place
  • •A monochrome black design with white text, grey table rows and dashed column separators, built for dense regulator-grade data
  • •Entity coverage across consolidated BFL, BFL standalone, BHFL and BFSL with the same metrics repeated for comparison

صفحات الشرائح (68)

عرض تفصيلي لكل صفحة شريحة، بما في ذلك التخطيط والمحتوى الرئيسي والعناصر المرئية.

الصفحة 1
title slide

Q2 FY27 Investor Presentation

المحتوى

Cover of the Bajaj Finance Q2 FY27 Investor Presentation dated 19 October 2026.

هيكل التخطيط

Black background with the Bajaj Finance logo on the left, a vertical white divider, and the deck title and date on the right.

العناصر المرئية الرئيسية

  • •Bajaj Finance logo
  • •Vertical white divider
  • •Title and date in white text
الصفحة 2
agenda

Presentation Path

المحتوى

Agenda of 8 sections with starting pages: Executive summary 3, BFL overview 19, Financial performance 34, ALM 39, Customer franchise 46, Segment AUM 51, Credit quality 54, Omnipresence 63.

هيكل التخطيط

Black background with a horizontal dotted timeline in 8 colours, an icon and page reference per section, and a Click on the section to view hint.

العناصر المرئية الرئيسية

  • •Horizontal dotted colour timeline
  • •Eight section icons
  • •Underlined clickable section links
  • •Page references
الصفحة 3
section divider

Section 01: Executive summary Q2 FY27

المحتوى

Divider for the executive summary with two sub-topics: 1.1 Quarter gone by and 1.2 Lead financial indicators.

هيكل التخطيط

Black split layout: large Section 01 title and a teal-green line icon on the left half, dashed vertical timeline with numbered circles on the right half.

العناصر المرئية الرئيسية

  • •Large section title
  • •Teal-green line icon
  • •Dashed vertical timeline
  • •Numbered circles 1.1 and 1.2
الصفحة 4
KPI summary

Q2 FY27 Executive summary - Consolidated

المحتوى

An excellent quarter: AUM up 26% to ₹584,624 crore, AUM addition of ₹37,680 crore, PBT up 29% to ₹8,537 crore, 13.45 MM new loans, 4.42 MM new customers and a 128.85 MM franchise. PAT is ₹6,367 crore (+29%), ROE 20.6% and Net NPA 0.42%.

هيكل التخطيط

Black background with a large centred summary paragraph above a row of six outlined white circles holding the headline metrics.

العناصر المرئية الرئيسية

  • •Centred summary paragraph
  • •Six outlined KPI circles
  • •Year-on-year comparison labels
  • •Bajaj logo top right
الصفحة 5
KPI summary

Lead financial indicators - Consolidated (1/4)

المحتوى

AUM ₹584,624 crore vs ₹462,261 crore, new loans 13.45 MM (+11%), 4.42 MM customers added and a 128.85 MM franchise with 82.36 MM cross-sell. Covers 4,091 locations, 254K+ distribution points, liquidity buffer of ₹19,995 crore, cost of funds 7.31% and deposits of ₹69,754 crore (14% of borrowings).

هيكل التخطيط

Black background with a numbered bullet list in white text, with guidance figures for FY27 inline.

العناصر المرئية الرئيسية

  • •Numbered bullet text
  • •Guidance ranges for FY27
  • •Bold key figures
  • •Page number bottom right
الصفحة 6
KPI summary

Lead financial indicators - Consolidated (2/4)

المحتوى

NII up 24% to ₹13,335 crore, NTI up 23% to ₹15,974 crore and Opex/NTI at 33.0%. Loan losses were ₹2,166 crore including a ₹337 crore management and macro provision, with 75,845 employees and Stage 2 and 3 at 2.02%.

هيكل التخطيط

Black background with a numbered bullet list in white text covering income, cost, people and provisioning.

العناصر المرئية الرئيسية

  • •Numbered bullet text
  • •Opex/NTI guidance
  • •Loan loss figures
  • •Employee count
الصفحة 7
KPI summary

Lead financial indicators - Consolidated (3/4)

المحتوى

GNPA 1.06% and NNPA 0.42% versus 1.24% and 0.60%, stage 3 PCR 60%, PPOP up 23% to ₹10,699 crore. PBT is ₹8,537 crore (+29%), PAT ₹6,367 crore, ROA 4.6%, ROE 20.6%, CRAR 20.33% and leverage 5.1x.

هيكل التخطيط

Black background with a numbered bullet list in white text on asset quality, profit and capital.

العناصر المرئية الرئيسية

  • •Numbered bullet text
  • •Asset quality ratios
  • •Capital adequacy figures
  • •Profit lines
الصفحة 8
text slide

Lead financial indicators - Consolidated (4/4): Additional update

المحتوى

The Board approved on 1 October 2026 a QIP of up to ₹11,700 crore and preferential warrants of up to ₹5,800 crore to Bajaj Finserv. The rationale cites India growth, momentum and resilience across capital, talent, technology, AI, cyber, compliance, provisioning and liquidity.

هيكل التخطيط

Black background with a short text slide: heading, two capital-raise bullets and a rationale paragraph.

العناصر المرئية الرئيسية

  • •Capital raise amounts
  • •Rationale bullets
  • •White text on black
  • •Page number
الصفحة 9
data table

FINAI transformation update (1/5)

المحتوى

AI unit employees reached 328 (+171%), with 56 MM voice-to-data interactions, 0.4 MM loan offers from AI (+327%) and 13 voice bots plus 24 consumer text bots. Promotional SMS AI-bot penetration is 77% with 2.65x CTR.

هيكل التخطيط

Black background with a data table of Stage, Metric, UoM, Q2 FY26, Q1 FY27, Q2 FY27 and YoY columns, grey header row.

العناصر المرئية الرئيسية

  • •Seven-column metrics table
  • •Grey header row
  • •YoY growth column
  • •AI metric rows
الصفحة 10
data table

FINAI transformation update (2/5)

المحتوى

Face match reached 6.7 MM (+442%), 29 MM documents were processed and auto-QC covered 22.8 MM documents. Disbursal from AI-bot leads was ₹2,744 crore (+112%), voice log processing drove ₹596 crore and 75% of servicing was DIY via AI bots.

هيكل التخطيط

Black background with the same metrics table format, grouped by stage with alternating grey highlight rows.

العناصر المرئية الرئيسية

  • •Metrics table
  • •Alternating grey rows
  • •YoY column
  • •Stage groupings
الصفحة 11
data table

FINAI transformation update (3/5)

المحتوى

The debt-management AI text bot collected 0.32 MM receipts with 45% SMS penetration and 1.3x CTR. BRDs are 100% AI-generated, with 130 AI agents and 65 agentic AI deployments.

هيكل التخطيط

Black background with a compact metrics table in the same column structure.

العناصر المرئية الرئيسية

  • •Metrics table
  • •AI agent counts
  • •Grey header row
  • •Comparison columns
الصفحة 12
data table

FINAI transformation update (4/5): Roadmap

المحتوى

Roadmap across Data Intelligence (image analytics across 50 document types, about 30 Cr records), Consumer AI (22 business and 2 service journeys re-architected, discovery on ChatGPT and Gemini live) and Agentic AI (600+ sub-agents under 250 autonomous agents, 118 use cases in FY27).

هيكل التخطيط

Black background with a three-column table of Details, Timelines and Status grouped by AI workstream.

العناصر المرئية الرئيسية

  • •Details, Timelines, Status columns
  • •Workstream groupings
  • •Live status markers
  • •Quarter timelines
الصفحة 13
data table

FINAI transformation update (5/5)

المحتوى

Custom AI model for NTB/NTC variables targets about 5 lakh incremental accounts and is live, with a PL risk scorecard due Q4 FY27 and an AI fraud model in Q3 FY27. AI governance spans 8 domains with continuous red teaming, vibe coding becomes SOP for new BRDs and AI bots in service communications target 1.5x CTR.

هيكل التخطيط

Black background with the roadmap table format listing initiatives, timelines and status.

العناصر المرئية الرئيسية

  • •Roadmap table
  • •Timeline column
  • •Status column
  • •Governance rows
الصفحة 14
KPI summary

Q2 FY27 Executive summary - BHFL

المحتوى

BHFL AUM crossed ₹1.5 lakh crore, up 25% to ₹158,205 crore, with PBT up 18% to ₹980 crore. GNPA is 29 bps and NNPA 12 bps; PAT is ₹757 crore (+18%) and ROE 12.7%.

هيكل التخطيط

Black background with a centred summary paragraph above a row of four outlined white KPI circles (Opex/NTI 19.1%, PAT, ROE, NNPA).

العناصر المرئية الرئيسية

  • •Summary paragraph
  • •Four KPI circles
  • •Bajaj logo
  • •Page number
الصفحة 15
KPI summary

BHFL Lead financial indicators (1/2)

المحتوى

Home loans grew 22%, LAP 26%, LRD 39% and DF 13%, with a mix of 53.9:10.3:24.0:10.7:1.1. Approvals were ₹31,288 crore, disbursements rose 25% to ₹19,935 crore, across 182 locations, with cost of funds at 7.04% (-17 bps).

هيكل التخطيط

Black background with a numbered bullet list in white text covering mix, disbursements, liquidity and borrowing mix.

العناصر المرئية الرئيسية

  • •Numbered bullets
  • •Product mix ratio
  • •Borrowing mix 35:56:9
  • •Growth percentages
الصفحة 16
KPI summary

BHFL Lead financial indicators (2/2)

المحتوى

NII rose 10% to ₹1,055 crore and NTI 15% to ₹1,254 crore, with Opex/NTI at 19.1% and 2,053 employees. Loan losses were ₹35 crore (credit cost 0.10%), PBT ₹980 crore, PAT ₹757 crore, ROE 12.7% and CRAR 21.24%.

هيكل التخطيط

Black background with a numbered bullet list in white text on income, cost, credit and capital.

العناصر المرئية الرئيسية

  • •Numbered bullets
  • •Credit cost figure
  • •Capital ratios
  • •Profit lines
الصفحة 17
KPI summary

Q2 FY27 Executive summary - BFSL

المحتوى

BFSL AUM grew 59% to ₹12,058 crore and PAT 36% to ₹64 crore, adding 121K customers for a franchise of 1.61 MM (+40%). NTI is ₹160 crore (+20%) and PBT ₹86 crore (+34%).

هيكل التخطيط

Black background with a summary paragraph above a row of five outlined white KPI circles.

العناصر المرئية الرئيسية

  • •Summary paragraph
  • •Five KPI circles
  • •Growth labels
  • •Bajaj logo
الصفحة 18
KPI summary

BFSL Lead financial indicators

المحتوى

BFSL added 121K customers versus 94K a year earlier, across 43 locations, with NTI of ₹160 crore. Opex/NTI improved to 45.6% from 51.1%, with 840 employees, ROE 11.6% and net worth of ₹2,300 crore.

هيكل التخطيط

Black background with a numbered bullet list in white text.

العناصر المرئية الرئيسية

  • •Numbered bullets
  • •Opex/NTI comparison
  • •Customer additions
  • •Net worth figure
الصفحة 19
section divider

Section 02: Bajaj Finance Limited overview

المحتوى

Divider for the BFL overview with sub-topics from 2.1 Group structure to 2.8 Executive summary.

هيكل التخطيط

Black split layout with a large Section 02 title and olive-green line icon on the left and a dashed vertical timeline of numbered circles 2.1 to 2.8 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Olive-green line icon
  • •Dashed timeline
  • •Numbered circles 2.1 to 2.8
الصفحة 20
org chart

Bajaj Group Structure

المحتوى

Bajaj Finserv holds 51.30% of Bajaj Finance, which holds BHFL at 86.70% and BFSL at 100%. Other group entities include Bajaj Life Insurance and Bajaj General Insurance (77.33%), Bajaj Finserv Health (100%), Bajaj Finserv Direct (80.1%) and Bajaj Asset Management (100%).

هيكل التخطيط

Black background with an org chart of white rounded pill nodes, grey percentage tags and a dashed box around the BFL cluster.

العناصر المرئية الرئيسية

  • •White rounded pill nodes
  • •Grey ownership percentage tags
  • •Dashed box around BFL cluster
  • •Parent-to-subsidiary connectors
الصفحة 21
mission and values

What do we stand for

المحتوى

Five principles: a diversified non-bank with a deposit license, mass and affluent focus through cross-sell, diversified risk and profit mix, ROA of 4.3 to 4.7% with ROE of 19 to 21%, and continuous innovation.

هيكل التخطيط

Black background with five quoted statements stacked vertically and separated by thin grey rules.

العناصر المرئية الرئيسية

  • •Five stacked statements
  • •Thin grey rules
  • •Large white text
  • •Bajaj logo
الصفحة 22
KPI summary

Financial sustainability metrics - Consolidated

المحتوى

Target corridors: AUM growth 23 to 25%, profit growth 23 to 24%, GNPA below 1.4%, NNPA below 0.5%, ROA 4.3 to 4.7% and ROE 19 to 21%.

هيكل التخطيط

Black background with a 2 by 3 grid of outlined icon tiles, each with a metric label and target range.

العناصر المرئية الرئيسية

  • •Six icon tiles
  • •Target range values
  • •Line icons
  • •2 by 3 grid
الصفحة 23
comparison table

Key strategic differentiators

المحتوى

BFL 3.0 is described as a FINAI company serving 200 MM customers, backed by the Bajaj group brand and a 128.85 MM franchise. The AUM mix Urban:Rural:MSME:Commercial:Mortgages is 30:12:13:13:32 and the borrowing mix is 52:29:14:5.

هيكل التخطيط

Black background with a two-column table of differentiator labels on the left and supporting descriptions on the right.

العناصر المرئية الرئيسية

  • •Two-column table
  • •Mix ratios
  • •Grey row dividers
  • •Bold labels
الصفحة 24
donut chart

Our shareholder profile

المحتوى

Promoters hold 54.67%, FII and FPI 19.79%, mutual funds 10.32%, corporates 7.60% and individuals 7.25%. The top-20 investor table lists Bajaj Finserv at 51.30%, Maharashtra Scooters at 3.06% and LIC at 1.63%.

هيكل التخطيط

Black background with a grey donut chart on the left and a top-20 investor table on the right with Sep 25, Jun 26 and Sep 26 columns.

العناصر المرئية الرئيسية

  • •Grey donut chart
  • •Top-20 investor table
  • •Three date columns
  • •Percentage holdings
الصفحة 25
data table

19-years financial snapshot - Consolidated

المحتوى

From FY08 to FY26, AUM grew from ₹2.5k crore to ₹510.0k crore (34% CAGR) and PAT from ₹21 crore to ₹19,332 crore (46% CAGR). Franchise grew from 0.8 to 119.3 MM, with ratio rows for Opex/NTI, credit cost, ROA, ROE, NNPA, PCR, CRAR and leverage.

هيكل التخطيط

Black background with a dense 19-column table, grey header row, alternating grey highlight rows and a dashed CAGR column.

العناصر المرئية الرئيسية

  • •19-column year table
  • •Dashed CAGR column
  • •Alternating grey rows
  • •Ratio block
الصفحة 26
data table

9-years financial snapshot - BHFL

المحتوى

From FY18 to FY26, BHFL AUM grew from ₹3,570 crore to ₹140,706 crore (58% CAGR) and PAT from ₹10 crore to ₹2,560 crore. Capital infusions include the ₹3,560 crore IPO in September 2024.

هيكل التخطيط

Black background with a nine-year dense table, grey header, ratio rows and a CAGR column.

العناصر المرئية الرئيسية

  • •Nine-year table
  • •CAGR column
  • •Ratio rows
  • •Capital infusion row
الصفحة 27
product overview

Product suite

المحتوى

BFL offers 13 Retail-Urban products, 10 MSME, 6 Commercial and 9 Retail-Rural products, plus Deposits, Payments and insurance distribution. BHFL has 9 mortgage products and BFSL 11 broking products.

هيكل التخطيط

Black background with multi-column lists grouped by business and entity under grey headings.

العناصر المرئية الرئيسية

  • •Multi-column product lists
  • •Grey group headings
  • •Entity groupings
  • •Counts per segment
الصفحة 28
business overview

Executive summary - Bajaj Finance (1/3)

المحتوى

Standalone AUM is ₹426,879 crore with mix Urban:Rural:SME:Commercial:Mortgage of 41:16:18:15:10, PAT ₹5,536 crore and CRAR 20.33%. Consumer Finance spans 244K+ POS across 1,515 urban and 2,576 rural locations, with 100.38 MM EMI card CIF.

هيكل التخطيط

Black background with a row-label table: business names on the left and bullet descriptions on the right.

العناصر المرئية الرئيسية

  • •Row-label table
  • •Business headings
  • •Key metrics in bullets
  • •Grey dividers
الصفحة 29
business overview

Executive summary - Bajaj Finance (2/3)

المحتوى

Covers MSME, Gold Loan (top-5 NBFC gold lender, 2,022 branches heading to 2,700 to 2,800), Wheels (110 locations, 3,200 dealers, 26 OEMs), Commercial and Microfinance (loans of ₹20,000 to ₹100,000, 11 states, 480 branches, GNPA 0.47%).

هيكل التخطيط

Black background with a row-label table of businesses and bullet descriptions.

العناصر المرئية الرئيسية

  • •Row-label table
  • •Branch counts
  • •Business headings
  • •Grey dividers
الصفحة 30
business overview

Executive summary - Bajaj Finance (3/3)

المحتوى

Covers LAS in 21 locations, Deposits at 19% of standalone borrowings, and Treasury with 7.40% cost of funds and ₹370,644 crore borrowings. Standalone GNPA is 1.33% and NNPA 0.53%, with AAA/Stable domestic ratings, S&P BBB/Stable and Moody's Baa3.

هيكل التخطيط

Black background with a row-label table covering LAS, Deposits, Treasury, credit quality, ratings and regulators.

العناصر المرئية الرئيسية

  • •Row-label table
  • •Ratings list
  • •Treasury mix 49:26:6:19
  • •Regulator names
الصفحة 31
business overview

Executive summary - Bajaj Housing Finance (1/2)

المحتوى

BHFL home loans carry an average ticket of ₹49.5 lakh across 182 locations, with a salaried:self-employed:professional mix of 83:14:3. Loan against property averages ₹99.9 lakh across 74 locations.

هيكل التخطيط

Black background with a row-label table of overview, home loans and LAP.

العناصر المرئية الرئيسية

  • •Row-label table
  • •Average ticket sizes
  • •Customer mix ratio
  • •Location counts
الصفحة 32
business overview

Executive summary - Bajaj Housing Finance (2/2)

المحتوى

Covers lease rental discounting in 18 locations with escrow backing and developer finance for A/A+ developers. Treasury borrowings are ₹118,259 crore at 7.04% cost of funds, with AAA ratings and RBI/NHB, SEBI and IRDAI as regulators.

هيكل التخطيط

Black background with a row-label table for LRD, developer finance, credit quality, treasury, ratings and regulators.

العناصر المرئية الرئيسية

  • •Row-label table
  • •Treasury figures
  • •Ratings
  • •Regulator list
الصفحة 33
business overview

Executive summary - Bajaj Financial Securities

المحتوى

BFSL AUM is ₹12,058 crore (MTF ₹10,498 crore, ESOP financing ₹1,560 crore). Branch broking serves 100K UHNI/HNI clients across 43 locations; retail broking added 116K accounts for 1.51 MM clients with 1,700+ partners.

هيكل التخطيط

Black background with a row-label table of AUM, branch broking, retail broking, ratings and regulator.

العناصر المرئية الرئيسية

  • •Row-label table
  • •MTF figures
  • •Client counts
  • •Grey dividers
الصفحة 34
section divider

Section 03: Financial performance Q2 FY27

المحتوى

Divider for financial performance with sub-topics from 3.1 Consolidated to 3.4 BFSL.

هيكل التخطيط

Black split layout with a large Section 03 title and blue line icon on the left, dashed timeline with numbered circles 3.1 to 3.4 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Blue line icon
  • •Dashed timeline
  • •Numbered circles 3.1 to 3.4
الصفحة 35
data table

Financial summary - Consolidated

المحتوى

Q2 FY27 AUM is ₹584,624 crore (+26%), NII ₹13,335 crore (+24%), NTI ₹15,974 crore, opex ₹5,275 crore, PPOP ₹10,699 crore and loan losses ₹2,166 crore. PBT is ₹8,537 crore and PAT ₹6,367 crore (+29%), with H1 PAT of ₹12,447 crore and EPS of ₹10.07.

هيكل التخطيط

Black background with a financial table in ₹ crore comparing Q2 FY27 vs Q2 FY26, H1 FY27 vs H1 FY26 and FY26, with dashed separators between column groups.

العناصر المرئية الرئيسية

  • •Q, H and FY column groups
  • •Dashed vertical separators
  • •Highlighted key rows
  • •Ratio block
الصفحة 36
data table

Financial summary - Bajaj Finance standalone

المحتوى

Standalone AUM is ₹426,879 crore, NII ₹12,150 crore (+25%), NTI ₹14,521 crore, PPOP ₹9,552 crore and loan losses ₹2,131 crore. PAT is ₹5,536 crore (+30%), ROE 20.2% and EPS ₹8.90.

هيكل التخطيط

Black background with the same Q/H/FY financial table layout in ₹ crore.

العناصر المرئية الرئيسية

  • •Financial table
  • •Dashed separators
  • •Grey highlight rows
  • •Ratio rows
الصفحة 37
data table

Financial summary - Bajaj Housing Finance Limited

المحتوى

BHFL AUM is ₹158,205 crore, NII ₹1,055 crore and NTI ₹1,254 crore. PAT is ₹757 crore (+18%), credit cost 0.10%, ROE 12.7% and EPS ₹0.91.

هيكل التخطيط

Black background with the Q/H/FY financial table layout in ₹ crore.

العناصر المرئية الرئيسية

  • •Financial table
  • •Dashed separators
  • •Highlighted rows
  • •Ratio rows
الصفحة 38
data table

Financial summary - Bajaj Financial Securities Limited

المحتوى

BFSL AUF is ₹12,058 crore (+59%), with NII ₹117 crore, fees ₹45 crore and NTI ₹160 crore. PAT is ₹64 crore (+36%), ROE 11.59% and EPS ₹0.45.

هيكل التخطيط

Black background with the Q/H/FY financial table layout in ₹ crore.

العناصر المرئية الرئيسية

  • •Financial table
  • •Dashed separators
  • •Highlighted rows
  • •Ratio rows
الصفحة 39
section divider

Section 04: Asset liability management

المحتوى

Divider for ALM with sub-topics: 4.1 leverage, 4.2 resilient model, 4.3 and 4.4 behaviouralized ALM for BFL and BHFL, 4.5 disciplined ALM and 4.6 liability mix.

هيكل التخطيط

Black split layout with a large Section 04 title and salmon-red line icon on the left, dashed timeline of numbered circles on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Salmon-red line icon
  • •Dashed timeline
  • •Numbered circles 4.1 to 4.6
الصفحة 40
line chart

Conservative leverage standards

المحتوى

From March 2017 to September 2026, Tier 1 stands at 19.4%, Tier 2 at 0.9%, CRAR at 20.3% and leverage at 5.1x (standalone about 4.4x), against a stepped leverage threshold of 7.0, 6.0 and 5.5.

هيكل التخطيط

Black background with a multi-line chart on a time axis, a stepped threshold line and dashed yellow circles marking capital-raise trigger points.

العناصر المرئية الرئيسية

  • •Multi-line time series
  • •Stepped threshold line
  • •Dashed yellow trigger circles
  • •End-point labels
الصفحة 41
line chart

Resilient business model - Consolidated

المحتوى

Cost of funds fell from 9.00% to 7.31% between March 2017 and September 2026, ROA is 4.6%, fee income to PBT 27.7% and opex to NTI improved from 41.7% to 33.0%.

هيكل التخطيط

Black background with a four-series line chart in yellow, blue, grey and orange with end-point value labels.

العناصر المرئية الرئيسية

  • •Four coloured lines
  • •Time axis Mar'17 to Sep'26
  • •End-point labels
  • •Legend
الصفحة 42
data table

Behaviouralized ALM as of 30 September 2026 - BFL

المحتوى

Total inflows are ₹525,582 crore with positive cumulative mismatch in all buckets up to 5 years. Additional borrowings of ₹49,600 crore are possible and daily average LCR is 214% against a 100% requirement.

هيكل التخطيط

Black background with a maturity-bucket table from 1-7 days to over 5 years showing inflows, outflows and cumulative mismatch.

العناصر المرئية الرئيسية

  • •Maturity-bucket columns
  • •Cumulative mismatch row
  • •LCR callout
  • •Grey header row
الصفحة 43
data table

Behaviouralized ALM as of 30 September 2026 - BHFL

المحتوى

BHFL total is ₹191,548 crore, with additional borrowings of ₹3,909 crore possible and an LCR of 146%.

هيكل التخطيط

Black background with a maturity-bucket table matching the BFL layout.

العناصر المرئية الرئيسية

  • •Maturity-bucket columns
  • •Cumulative mismatch row
  • •LCR callout
  • •Grey header row
الصفحة 44
line chart

Disciplined ALM Management - BFL

المحتوى

From March 2018 to September 2026, the cumulative gap up to 1 month stands at 71% and up to 12 months at 43% in September 2026.

هيكل التخطيط

Black background with a two-line chart on a time axis with end-point labels.

العناصر المرئية الرئيسية

  • •Two-line time series
  • •End-point labels
  • •Time axis Mar'18 to Sep'26
  • •Legend
الصفحة 45
stacked area chart

Consolidated liability mix

المحتوى

In September 2026 the liability mix is deposits 14%, bank loans 30%, NCD 40%, sub debt 0%, short-term 11% and ECB 5%, tracked from March 2018.

هيكل التخطيط

Black background with a 100% stacked area chart in grey shades with percentage labels for the latest period.

العناصر المرئية الرئيسية

  • •100% stacked area chart
  • •Grey shade series
  • •Latest-period labels
  • •Legend
الصفحة 46
section divider

Section 05: Customer franchise and distribution reach

المحتوى

Divider for customer franchise and distribution with sub-topics 5.1 to 5.4.

هيكل التخطيط

Black split layout with a large Section 05 title and teal-green line icon on the left, dashed timeline with numbered circles 5.1 to 5.4 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Teal-green line icon
  • •Dashed timeline
  • •Numbered circles 5.1 to 5.4
الصفحة 47
funnel

Customer franchise

المحتوى

Total franchise grew from 110.64 MM in Q2 FY26 to 128.85 MM in Q2 FY27, with 82.36 MM (63.9%) in the cross-sell franchise. Quarterly customer additions ran 4.69, 4.13, 4.76, 3.93, 5.10 and 4.42 MM from Q1 FY26 to Q2 FY27.

هيكل التخطيط

Black background with an inverted funnel comparing three periods and a chevron row of quarterly customer additions below.

العناصر المرئية الرئيسية

  • •Inverted funnel
  • •Three-period comparison
  • •Chevron row of quarterly additions
  • •Cross-sell percentage
الصفحة 48
stacked bar chart

Product Per Customer (PPC)

المحتوى

PPC rose from 5.81 in FY23 to 6.11 in H1 FY27, split across lending, distribution, deposits and payments. By months on book, PPC is 3.51 at 12 MOB, 3.72 at 18 MOB and 4.65 at 24 MOB.

هيكل التخطيط

Black background with a definition text block and two stacked bar charts in grey shades.

العناصر المرئية الرئيسية

  • •Definition text
  • •Two stacked bar charts
  • •Grey shade segments
  • •Total labels
الصفحة 49
map and table

Geographic presence

المحتوى

BFL operates in 4,091 locations (1,515 urban and 2,576 rural), with gold loan branches growing from 770 to 2,022 and MFI branches from 12 to 480 between September 2023 and September 2026.

هيكل التخطيط

Black background with a dotted India map on one side and a September 2023 to September 2026 location table on the other.

العناصر المرئية الرئيسية

  • •Dotted India map
  • •Location table by period
  • •Gold and MFI branch rows
  • •Grey header row
الصفحة 50
data table

Strong distribution reach

المحتوى

Active distribution points total 253,900+ (+4,150 in Q2), including CD stores urban 57,550+, rural 72,700+, digital product stores 50,550+, lifestyle 25,650+ and DSA 6,650+.

هيكل التخطيط

Black background with a channel-by-period table from September 2023 to September 2026 and the latest column inside a dashed box.

العناصر المرئية الرئيسية

  • •Channel table
  • •Dashed box on latest column
  • •Total row
  • •Grey header row
الصفحة 51
section divider

Section 06: Business segment-wise AUM

المحتوى

Divider for segment-wise AUM with sub-topics 6.1 Consolidated and 6.2 Mortgages and BHFL.

هيكل التخطيط

Black split layout with a large Section 06 title and olive-green line icon on the left, dashed timeline with numbered circles 6.1 and 6.2 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Olive-green line icon
  • •Dashed timeline
  • •Numbered circles 6.1 and 6.2
الصفحة 52
data table

Business segment wise AUM - Consolidated

المحتوى

Mortgages are ₹187,133 crore (32.01%, +30%), urban personal loans ₹115,237 crore (19.71%), MSME ₹53,084 crore (+3%), gold loans ₹24,195 crore (+105%) and LAS ₹41,949 crore (+42%). Total AUM is ₹584,624 crore (+26%) with 100.4 MM CIF.

هيكل التخطيط

Black background with a 14-segment table split by BFL and BHFL, with YoY growth and composition columns and a highlighted total row.

العناصر المرئية الرئيسية

  • •14 segment rows
  • •BFL and BHFL split
  • •YoY and composition columns
  • •Highlighted total row
الصفحة 53
data table

Business segment wise AUM - Mortgages

المحتوى

Consolidated mortgages total ₹187,133 crore (+30%): HL ₹86,530 crore, LAP ₹43,784 crore (+43%), LRD ₹39,915 crore (+43%) and DF ₹16,904 crore. BHFL total is ₹158,205 crore (+25%).

هيكل التخطيط

Black background with two stacked tables, consolidated mortgages above and BHFL below, with growth columns.

العناصر المرئية الرئيسية

  • •Two segment tables
  • •YoY growth column
  • •Highlighted totals
  • •Grey header rows
الصفحة 54
section divider

Section 07: Update on credit quality

المحتوى

Divider for credit quality with sub-topics 7.1 to 7.5.

هيكل التخطيط

Black split layout with a large Section 07 title and blue line icon on the left, dashed timeline with numbered circles 7.1 to 7.5 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Blue line icon
  • •Dashed timeline
  • •Numbered circles 7.1 to 7.5
الصفحة 55
data table

Provisioning Coverage - Consolidated

المحتوى

Total GNPA is ₹6,196 crore (1.06%), NNPA ₹2,453 crore (0.42%) and PCR 60%. Captive 2W/3W shows GNPA of 18.45%, against a sustainability corridor of GNPA below 1.4% and NNPA below 0.5%.

هيكل التخطيط

Black background with a segment table of AUM, GNPA, NNPA and PCR with GNPA% and NNPA% for Sep'25, Jun'26 and Sep'26.

العناصر المرئية الرئيسية

  • •Segment table
  • •Three period columns
  • •Total row
  • •Corridor note
الصفحة 56
data table

Stagewise ECL provisioning - Consolidated

المحتوى

Gross receivables are ₹574,375 crore in stage 1, ₹5,619 crore in stage 2 and ₹6,196 crore in stage 3, with ECL of ₹6,093, ₹2,178 and ₹3,743 crore. PCR is 1.06%, 38.79% and 60.41%, and stage 2 PCR excluding gold loans is 48.03%.

هيكل التخطيط

Black background with a three-stage table plus comparison rows for Jun'26 and Sep'25.

العناصر المرئية الرئيسية

  • •Three-stage table
  • •ECL and PCR rows
  • •Comparison period rows
  • •Grey header row
الصفحة 57
data table

Provisioning Coverage - BHFL

المحتوى

BHFL total GNPA is ₹410 crore (0.29%), NNPA ₹165 crore (0.12%) and PCR 59.80%, shown across HL, LAP, LRD, DF and others.

هيكل التخطيط

Black background with a product-level table of AUM, GNPA, NNPA and PCR across three periods.

العناصر المرئية الرئيسية

  • •Product table
  • •Three period columns
  • •Total row
  • •Grey header row
الصفحة 58
data table

Stagewise ECL provisioning - BHFL

المحتوى

BHFL gross receivables are ₹139,782 crore in stage 1, ₹440 crore in stage 2 and ₹410 crore in stage 3, with PCR of 0.29%, 27.44% and 59.80%.

هيكل التخطيط

Black background with a three-stage table and comparison rows.

العناصر المرئية الرئيسية

  • •Three-stage table
  • •PCR row
  • •Comparison rows
  • •Grey header row
الصفحة 59
stacked bar chart

Portfolio credit quality - Consolidated (1/4)

المحتوى

Stage 1 share is 99.57% for Consumer Durable and Lifestyle, 99.45% for Digital Product, 99.63% for Rural Consumer Finance and 98.96% for Urban Personal Loans (stage 2 at 0.62%).

هيكل التخطيط

Black background with four quadrant stacked bar charts from Feb'20 pre-COVID benchmark to Sep'26, each with stage-1 and stage-2 percentage boxes and green status dots.

العناصر المرئية الرئيسية

  • •Four quadrant charts
  • •Grey stacked bars
  • •Stage percentage boxes
  • •Green status dots
الصفحة 60
stacked bar chart

Portfolio credit quality - Consolidated (2/4)

المحتوى

Stage 1 share is 99.26% for Rural Personal Loans, 98.37% for Business and Professional loans, 98.23% for Loan against property and 99.30% for Home loans.

هيكل التخطيط

Black background with four quadrant stacked bar charts and stage percentage boxes, same format as the previous page.

العناصر المرئية الرئيسية

  • •Four quadrant charts
  • •Grey stacked bars
  • •Stage percentage boxes
  • •Green status dots
الصفحة 61
stacked bar chart

Portfolio credit quality - Consolidated (3/4)

المحتوى

Gold loans show stage 1 at 94.83% and stage 2 at 4.51%, a transitional spike. MFI lending is 99.56%, Commercial lending 99.78% and Loan Against Securities 99.96%.

هيكل التخطيط

Black background with four quadrant stacked bar charts and stage percentage boxes.

العناصر المرئية الرئيسية

  • •Four quadrant charts
  • •Gold loan stage 2 spike
  • •Stage percentage boxes
  • •Green status dots
الصفحة 62
stacked bar chart

Portfolio credit quality - Consolidated (4/4)

المحتوى

Stage 1 share is 98.70% for Car loans, 98.46% for CV and Tractor and 98.30% for Open Market 2W and 3W. Captive 2W and 3W is 78.03% with stage 2 at 10.70%, marked with a white dot as the portfolio is in rundown.

هيكل التخطيط

Black background with four quadrant stacked bar charts, with green status dots and one white dot for the rundown portfolio.

العناصر المرئية الرئيسية

  • •Four quadrant charts
  • •White rundown status dot
  • •Stage percentage boxes
  • •Grey stacked bars
الصفحة 63
section divider

Section 08: Omnipresence summary overview

المحتوى

Divider for the omnipresence summary with sub-topics 8.1 Omnipresence metrics and 8.2 Customer franchise key financial metrics.

هيكل التخطيط

Black split layout with a large Section 08 title and salmon-red line icon on the left, dashed timeline with numbered circles 8.1 and 8.2 on the right.

العناصر المرئية الرئيسية

  • •Large section title
  • •Salmon-red line icon
  • •Dashed timeline
  • •Numbered circles 8.1 and 8.2
الصفحة 64
data table

Omnipresence metrics (1/2)

المحتوى

BFL has 4,091 locations, 24.45 MM app downloads (+13%), 94.0 MM cumulative app net installs (+20%), 159 MM web traffic, 66.10 MM UPI handles (+38%) and 4.00 MM merchant QRs.

هيكل التخطيط

Black background with a metrics table of Q2 FY26, Q1 FY27, Q2 FY27 and YoY columns.

العناصر المرئية الرئيسية

  • •Metrics table
  • •YoY column
  • •Grey header row
  • •Digital reach rows
الصفحة 65
data table

Omnipresence metrics (2/2)

المحتوى

Easy EMI loans reached 0.35 MM (+168%), app and web personal loans disbursed ₹6,526 crore (+20%) and gold loan origination ₹1,606 crore (+133%). Digital EMI cards have 13.1 MM CIF and generated 0.70 MM B2B loans.

هيكل التخطيط

Black background with the same four-column metrics table format.

العناصر المرئية الرئيسية

  • •Metrics table
  • •YoY column
  • •Grey header row
  • •Digital origination rows
الصفحة 66
data table

Customer franchise - Key financial metrics

المحتوى

H1 FY27 shows 29.6 MM new loans (+15%) and 9.5 MM new customers (+8%), with a total franchise of 128.8 MM and cross-sell of 82.4 MM. AUM per cross-sell customer is ₹70,985 (+10%) and PAT per cross-sell customer ₹1,511 (+11%).

هيكل التخطيط

Black background with a table covering FY19 to FY26 plus H1 FY26 and H1 FY27 columns and a dashed separator.

العناصر المرئية الرئيسية

  • •Year-by-year table
  • •H1 comparison columns
  • •Dashed separator
  • •Per-customer rows
الصفحة 67
disclaimer

Disclaimer

المحتوى

Full-text legal page stating that the deck is not an offer, includes forward-looking statements and may have been converted to markdown with AI tools.

هيكل التخطيط

Black background with dense white paragraph text across the page.

العناصر المرئية الرئيسية

  • •Dense legal paragraphs
  • •White text on black
  • •Heading
  • •Page number
الصفحة 68
glossary

Glossary

المحتوى

Two-column abbreviation table defining terms such as ALM, AUF, BBPS, CIF, ECL, FPI, GNPA, LAS, LCR, LRD, MFI, MTF, NNPA, PCR, PPI, UPI, WCDL and XIRR.

هيكل التخطيط

Black background with a two-column table of abbreviation and full meaning with grey row dividers.

العناصر المرئية الرئيسية

  • •Two-column abbreviation table
  • •Grey row dividers
  • •Alphabetical order
  • •Bold terms

الأسئلة الشائعة

أسئلة شائعة حول هذه الشريحة ومحتوى العرض التقديمي الأساسي.

What is the Bajaj Finance Q2 FY27 Investor Presentation and where was it filed?

It is a 68-page investor presentation from Bajaj Finance Limited dated 19 October 2026. It was filed with the Indian stock exchanges (BSE and NSE) as a corporate filing, and the original PDF is available on BSE.

What does Q2 FY27 mean?

Indian fiscal years run from April to March. FY27 is April 2026 to March 2027, so Q2 FY27 is the quarter from July to September 2026, with the balance sheet dated 30 September 2026.

What were the headline results in Q2 FY27?

Consolidated AUM grew 26% to ₹584,624 crore, PAT rose 29% to ₹6,367 crore and PBT rose 29% to ₹8,537 crore. The customer franchise reached 128.85 MM, with 4.42 MM new customers and 13.45 MM new loans in the quarter. ROE was 20.6% and Net NPA 0.42%.

What do the FINAI pages show?

Pages 9 to 13 report Bajaj Finance's AI transformation. They cover metrics such as 328 AI unit employees, 56 MM voice-to-data interactions, 6.7 MM face matches and ₹2,744 crore of disbursal from AI-bot leads. They also include a roadmap of data intelligence, consumer AI and agentic AI initiatives with timelines and status.

Which entities does the deck cover?

The deck reports consolidated Bajaj Finance results, Bajaj Finance standalone, Bajaj Housing Finance Ltd (BHFL, 86.70% held) and Bajaj Financial Securities Ltd (BFSL, 100% held). Bajaj Finserv Ltd is the parent with 51.30% of Bajaj Finance.

What is the design style, and can I reuse it as a template?

The deck uses a pure black background, white text, bold geometric headings, monochrome grey tables and charts, and dashed column separators, with colour only on section icons and a few chart lines. You can download the slides as PPTX and PDF and reuse the structure, such as section dividers, KPI circles, dense data tables and stacked bar charts, for your own financial presentations.

What units and abbreviations does the deck use?

Amounts are in ₹ crore (Cr), where one crore is 10 million, and the deck's own digit grouping is kept in this summary, for example ₹584,624 crore. MM means million and lakh means 100,000. Page 68 is a glossary covering terms such as AUF, CIF, ECL, GNPA, NNPA, PCR, LCR and MTF.

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