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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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Chủ Đề Chính

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.

Lợi Ích Chính

  • •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

Đối Tượng Mục Tiêu

  • •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

Trường Hợp Sử Dụng

  • •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

Đề Xuất Giá Trị Độc Đáo

  • •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

Trang Slide (68)

Xem chi tiết từng trang slide, bao gồm bố cục, nội dung chính và các phần tử trực quan.

Trang 1
title slide

Q2 FY27 Investor Presentation

Nội Dung

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

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Presentation Path

Nội Dung

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.

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

Section 01: Executive summary Q2 FY27

Nội Dung

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

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

Q2 FY27 Executive summary - Consolidated

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Lead financial indicators - Consolidated (1/4)

Nội Dung

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).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Lead financial indicators - Consolidated (2/4)

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Lead financial indicators - Consolidated (3/4)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

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

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

FINAI transformation update (1/5)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

FINAI transformation update (2/5)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

FINAI transformation update (3/5)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

FINAI transformation update (4/5): Roadmap

Nội Dung

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).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

FINAI transformation update (5/5)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Q2 FY27 Executive summary - BHFL

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

BHFL Lead financial indicators (1/2)

Nội Dung

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).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

BHFL Lead financial indicators (2/2)

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Q2 FY27 Executive summary - BFSL

Nội Dung

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%).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

BFSL Lead financial indicators

Nội Dung

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.

Cấu Trúc Bố Cục

Black background with a numbered bullet list in white text.

Phần Tử Trực Quan Chính

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

Section 02: Bajaj Finance Limited overview

Nội Dung

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

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

Bajaj Group Structure

Nội Dung

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%).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

What do we stand for

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Financial sustainability metrics - Consolidated

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Key strategic differentiators

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Our shareholder profile

Nội Dung

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%.

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

19-years financial snapshot - Consolidated

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

9-years financial snapshot - BHFL

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Product suite

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Finance (1/3)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Finance (2/3)

Nội Dung

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%).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Finance (3/3)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Housing Finance (1/2)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Housing Finance (2/2)

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Executive summary - Bajaj Financial Securities

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Section 03: Financial performance Q2 FY27

Nội Dung

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

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

Financial summary - Consolidated

Nội Dung

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.

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

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

Financial summary - Bajaj Finance standalone

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Financial summary - Bajaj Housing Finance Limited

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

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

Financial summary - Bajaj Financial Securities Limited

Nội Dung

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.

Cấu Trúc Bố Cục

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Phần Tử Trực Quan Chính

  • •Financial table
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Trang 39
section divider

Section 04: Asset liability management

Nội Dung

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.

Cấu Trúc Bố Cục

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Phần Tử Trực Quan Chính

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Conservative leverage standards

Nội Dung

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.

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Resilient business model - Consolidated

Nội Dung

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%.

Cấu Trúc Bố Cục

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Phần Tử Trực Quan Chính

  • •Four coloured lines
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data table

Behaviouralized ALM as of 30 September 2026 - BFL

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Maturity-bucket columns
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  • •LCR callout
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Trang 43
data table

Behaviouralized ALM as of 30 September 2026 - BHFL

Nội Dung

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

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

Phần Tử Trực Quan Chính

  • •Maturity-bucket columns
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  • •LCR callout
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Disciplined ALM Management - BFL

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Two-line time series
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stacked area chart

Consolidated liability mix

Nội Dung

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.

Cấu Trúc Bố Cục

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Phần Tử Trực Quan Chính

  • •100% stacked area chart
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Trang 46
section divider

Section 05: Customer franchise and distribution reach

Nội Dung

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

Cấu Trúc Bố Cục

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.

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Trang 47
funnel

Customer franchise

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Inverted funnel
  • •Three-period comparison
  • •Chevron row of quarterly additions
  • •Cross-sell percentage
Trang 48
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Product Per Customer (PPC)

Nội Dung

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.

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Trang 49
map and table

Geographic presence

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Dotted India map
  • •Location table by period
  • •Gold and MFI branch rows
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data table

Strong distribution reach

Nội Dung

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+.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Channel table
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Trang 51
section divider

Section 06: Business segment-wise AUM

Nội Dung

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

Cấu Trúc Bố Cục

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.

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  • •Large section title
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data table

Business segment wise AUM - Consolidated

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •14 segment rows
  • •BFL and BHFL split
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Trang 53
data table

Business segment wise AUM - Mortgages

Nội Dung

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%).

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Two segment tables
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Trang 54
section divider

Section 07: Update on credit quality

Nội Dung

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

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

  • •Large section title
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data table

Provisioning Coverage - Consolidated

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Segment table
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Trang 56
data table

Stagewise ECL provisioning - Consolidated

Nội Dung

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%.

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

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  • •Three-stage table
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data table

Provisioning Coverage - BHFL

Nội Dung

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.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Product table
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Trang 58
data table

Stagewise ECL provisioning - BHFL

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Three-stage table
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stacked bar chart

Portfolio credit quality - Consolidated (1/4)

Nội Dung

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%).

Cấu Trúc Bố Cục

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.

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Portfolio credit quality - Consolidated (2/4)

Nội Dung

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.

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

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Trang 61
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Portfolio credit quality - Consolidated (3/4)

Nội Dung

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%.

Cấu Trúc Bố Cục

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

Phần Tử Trực Quan Chính

  • •Four quadrant charts
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Trang 62
stacked bar chart

Portfolio credit quality - Consolidated (4/4)

Nội Dung

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.

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

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  • •Four quadrant charts
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section divider

Section 08: Omnipresence summary overview

Nội Dung

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

Cấu Trúc Bố Cục

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.

Phần Tử Trực Quan Chính

  • •Large section title
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data table

Omnipresence metrics (1/2)

Nội Dung

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.

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

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  • •Metrics table
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data table

Omnipresence metrics (2/2)

Nội Dung

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.

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

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  • •Metrics table
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Trang 66
data table

Customer franchise - Key financial metrics

Nội Dung

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%).

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  • •Year-by-year table
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disclaimer

Disclaimer

Nội Dung

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.

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Trang 68
glossary

Glossary

Nội Dung

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.

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

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  • •Two-column abbreviation table
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Câu Hỏi Thường Gặp

Các câu hỏi phổ biến về slide này và nội dung trình bày cơ bản.

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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