Logo de 2Slides
Preview

Bajaj Finance Q2 FY27 Investor Presentation

68 diapositivas

Forma parte de Ejemplos de presentaciones para inversores

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.

4 me gusta
0 descargas

Usa la portada de esta presentación como referencia de estilo para diapositivas creadas con tu propio contenido. O elige cualquier página de abajo para usar su diseño como referencia.

Navegación Rápida

Etiquetas

Bajaj Finance
Investor presentation
NBFC
India
Earnings presentation

Compartir las diapositivas

Descripción

Tema Principal

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.

Beneficios Clave

  • •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

Audiencia Objetivo

  • •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

Casos de Uso

  • •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

Propuestas de Valor Únicas

  • •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

Páginas de Diapositivas (68)

Vista detallada de cada página de diapositiva, incluyendo diseño, contenido clave y elementos visuales.

Página 1
title slide

Q2 FY27 Investor Presentation

Contenido

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

Estructura del Diseño

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

Elementos Visuales Clave

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

Presentation Path

Contenido

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.

Estructura del Diseño

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.

Elementos Visuales Clave

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

Section 01: Executive summary Q2 FY27

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Q2 FY27 Executive summary - Consolidated

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Lead financial indicators - Consolidated (1/4)

Contenido

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).

Estructura del Diseño

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

Elementos Visuales Clave

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

Lead financial indicators - Consolidated (2/4)

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Lead financial indicators - Consolidated (3/4)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

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

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

FINAI transformation update (1/5)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

FINAI transformation update (2/5)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

FINAI transformation update (3/5)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

FINAI transformation update (4/5): Roadmap

Contenido

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).

Estructura del Diseño

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

Elementos Visuales Clave

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

FINAI transformation update (5/5)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Q2 FY27 Executive summary - BHFL

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

BHFL Lead financial indicators (1/2)

Contenido

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).

Estructura del Diseño

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

Elementos Visuales Clave

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

BHFL Lead financial indicators (2/2)

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Q2 FY27 Executive summary - BFSL

Contenido

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%).

Estructura del Diseño

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

Elementos Visuales Clave

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

BFSL Lead financial indicators

Contenido

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.

Estructura del Diseño

Black background with a numbered bullet list in white text.

Elementos Visuales Clave

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

Section 02: Bajaj Finance Limited overview

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Bajaj Group Structure

Contenido

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%).

Estructura del Diseño

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

Elementos Visuales Clave

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

What do we stand for

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Financial sustainability metrics - Consolidated

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Key strategic differentiators

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Our shareholder profile

Contenido

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%.

Estructura del Diseño

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.

Elementos Visuales Clave

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

19-years financial snapshot - Consolidated

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

9-years financial snapshot - BHFL

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Product suite

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Finance (1/3)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Finance (2/3)

Contenido

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%).

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Finance (3/3)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Housing Finance (1/2)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Housing Finance (2/2)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Executive summary - Bajaj Financial Securities

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 03: Financial performance Q2 FY27

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Financial summary - Consolidated

Contenido

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.

Estructura del Diseño

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.

Elementos Visuales Clave

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

Financial summary - Bajaj Finance standalone

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Financial summary - Bajaj Housing Finance Limited

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Financial summary - Bajaj Financial Securities Limited

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 04: Asset liability management

Contenido

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.

Estructura del Diseño

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.

Elementos Visuales Clave

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

Conservative leverage standards

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Resilient business model - Consolidated

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Behaviouralized ALM as of 30 September 2026 - BFL

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Behaviouralized ALM as of 30 September 2026 - BHFL

Contenido

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

Estructura del Diseño

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

Elementos Visuales Clave

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

Disciplined ALM Management - BFL

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Consolidated liability mix

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 05: Customer franchise and distribution reach

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Customer franchise

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Product Per Customer (PPC)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Geographic presence

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Strong distribution reach

Contenido

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+.

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 06: Business segment-wise AUM

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Business segment wise AUM - Consolidated

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Business segment wise AUM - Mortgages

Contenido

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%).

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 07: Update on credit quality

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Provisioning Coverage - Consolidated

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Stagewise ECL provisioning - Consolidated

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Provisioning Coverage - BHFL

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Stagewise ECL provisioning - BHFL

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Portfolio credit quality - Consolidated (1/4)

Contenido

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%).

Estructura del Diseño

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.

Elementos Visuales Clave

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

Portfolio credit quality - Consolidated (2/4)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Portfolio credit quality - Consolidated (3/4)

Contenido

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%.

Estructura del Diseño

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

Elementos Visuales Clave

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

Portfolio credit quality - Consolidated (4/4)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Section 08: Omnipresence summary overview

Contenido

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

Estructura del Diseño

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.

Elementos Visuales Clave

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

Omnipresence metrics (1/2)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Omnipresence metrics (2/2)

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Customer franchise - Key financial metrics

Contenido

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%).

Estructura del Diseño

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

Elementos Visuales Clave

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

Disclaimer

Contenido

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.

Estructura del Diseño

Black background with dense white paragraph text across the page.

Elementos Visuales Clave

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

Glossary

Contenido

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.

Estructura del Diseño

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

Elementos Visuales Clave

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

Preguntas Frecuentes

Preguntas comunes sobre esta diapositiva y el contenido de la presentación subyacente.

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.

2slides

Create Your Own Slides

Turn your ideas into professional presentations in seconds with 2slides AI.

Crea Diapositivas de Clase Mundial en Segundos

Referencia diseños profesionales, elige tu estilo y genera diapositivas con renderizado de texto perfecto. Impulsado por Nano Banana—comienza a crear tu presentación ahora.

2Slides logo

Tu Agente IA para diapositivas. Ahorra tiempo, brilla más rápido con la creación inteligente de presentaciones.

Resumir con IA

ChatGPTClaudeGrokPerplexity
Todos los servicios en línea

Productos

Funciones

Galería

Plantillas

Integraciones

Recursos

Comparación

© 2026 2slides. Todos los derechos reservados.