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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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Теги

Bajaj Finance
Investor presentation
NBFC
India
Earnings presentation

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Описание

Основная тема

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.

Ключевые преимущества

  • •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

Целевая аудитория

  • •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

Случаи использования

  • •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

Уникальные ценностные предложения

  • •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

Страницы слайдов (68)

Подробный просмотр каждой страницы слайда, включая макет, ключевой контент и визуальные элементы.

Страница 1
title slide

Q2 FY27 Investor Presentation

Содержание

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

Структура макета

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

Ключевые визуальные элементы

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

Presentation Path

Содержание

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.

Структура макета

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.

Ключевые визуальные элементы

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

Section 01: Executive summary Q2 FY27

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Q2 FY27 Executive summary - Consolidated

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Lead financial indicators - Consolidated (1/4)

Содержание

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).

Структура макета

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

Ключевые визуальные элементы

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

Lead financial indicators - Consolidated (2/4)

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Lead financial indicators - Consolidated (3/4)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

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

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

FINAI transformation update (1/5)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

FINAI transformation update (2/5)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

FINAI transformation update (3/5)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

FINAI transformation update (4/5): Roadmap

Содержание

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).

Структура макета

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

Ключевые визуальные элементы

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

FINAI transformation update (5/5)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Q2 FY27 Executive summary - BHFL

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

BHFL Lead financial indicators (1/2)

Содержание

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).

Структура макета

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

Ключевые визуальные элементы

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

BHFL Lead financial indicators (2/2)

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Q2 FY27 Executive summary - BFSL

Содержание

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%).

Структура макета

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

Ключевые визуальные элементы

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

BFSL Lead financial indicators

Содержание

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.

Структура макета

Black background with a numbered bullet list in white text.

Ключевые визуальные элементы

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

Section 02: Bajaj Finance Limited overview

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Bajaj Group Structure

Содержание

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%).

Структура макета

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

Ключевые визуальные элементы

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

What do we stand for

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Financial sustainability metrics - Consolidated

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Key strategic differentiators

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Our shareholder profile

Содержание

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%.

Структура макета

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.

Ключевые визуальные элементы

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

19-years financial snapshot - Consolidated

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

9-years financial snapshot - BHFL

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Product suite

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Finance (1/3)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Finance (2/3)

Содержание

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%).

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Finance (3/3)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Housing Finance (1/2)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Housing Finance (2/2)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Executive summary - Bajaj Financial Securities

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Section 03: Financial performance Q2 FY27

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Financial summary - Consolidated

Содержание

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.

Структура макета

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.

Ключевые визуальные элементы

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

Financial summary - Bajaj Finance standalone

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Financial summary - Bajaj Housing Finance Limited

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Financial summary - Bajaj Financial Securities Limited

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Section 04: Asset liability management

Содержание

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.

Структура макета

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.

Ключевые визуальные элементы

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

Conservative leverage standards

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Resilient business model - Consolidated

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Behaviouralized ALM as of 30 September 2026 - BFL

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Behaviouralized ALM as of 30 September 2026 - BHFL

Содержание

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

Структура макета

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

Ключевые визуальные элементы

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

Disciplined ALM Management - BFL

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Consolidated liability mix

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Section 05: Customer franchise and distribution reach

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Customer franchise

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Product Per Customer (PPC)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Geographic presence

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Strong distribution reach

Содержание

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+.

Структура макета

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

Ключевые визуальные элементы

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

Section 06: Business segment-wise AUM

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Business segment wise AUM - Consolidated

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Business segment wise AUM - Mortgages

Содержание

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%).

Структура макета

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

Ключевые визуальные элементы

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

Section 07: Update on credit quality

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Provisioning Coverage - Consolidated

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Stagewise ECL provisioning - Consolidated

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Provisioning Coverage - BHFL

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Stagewise ECL provisioning - BHFL

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Portfolio credit quality - Consolidated (1/4)

Содержание

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%).

Структура макета

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.

Ключевые визуальные элементы

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

Portfolio credit quality - Consolidated (2/4)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Portfolio credit quality - Consolidated (3/4)

Содержание

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%.

Структура макета

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

Ключевые визуальные элементы

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

Portfolio credit quality - Consolidated (4/4)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Section 08: Omnipresence summary overview

Содержание

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

Структура макета

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.

Ключевые визуальные элементы

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

Omnipresence metrics (1/2)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Omnipresence metrics (2/2)

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Customer franchise - Key financial metrics

Содержание

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%).

Структура макета

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

Ключевые визуальные элементы

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

Disclaimer

Содержание

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.

Структура макета

Black background with dense white paragraph text across the page.

Ключевые визуальные элементы

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

Glossary

Содержание

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.

Структура макета

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

Ключевые визуальные элементы

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

Часто задаваемые вопросы

Распространенные вопросы об этом слайде и основном содержании презентации.

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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