Bajaj Finance Q1 results are in—and the numbers are looking strong. For the quarter ending June 30, 2025, the company reported a 20% rise in net profit to ₹4,700 crore. This compares to ₹3,912 crore in the same quarter last year.
That’s not all. Revenue jumped 21% to ₹19,524 crore, up from ₹16,100 crore in Q1FY25. This boost came mainly from a healthy growth in loans.
Loans, Customers, and Income See Sharp Growth
Bajaj Finance booked 13.49 million new loans in Q1FY26. That’s a 23% jump from last year. Its customer base also grew to 106.51 million, up 21% year-on-year.
Net interest income rose 22% to ₹10,227 crore. Total income stood at ₹12,610 crore, growing 21%. The company is clearly scaling across segments.
AUM Crosses ₹4.42 Lakh Crore
Assets under management (AUM) grew 25% year-on-year, touching ₹4.42 lakh crore. Mortgages formed the biggest part with ₹1.36 lakh crore. Urban B2C loans stood at ₹92,333 crore and MSME loans at ₹52,538 crore.
However, Two & Three-Wheeler Finance AUM dropped 20% to ₹15,703 crore. On the bright side, Bajaj Finance entered the microfinance space with ₹1,556 crore in loans.
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Asset Quality Holds Up
Gross NPA stood at 1.03%, slightly higher than last year. Net NPA was at 0.50%. Provisioning coverage on stage 3 assets was at 52%.
Loan losses and provisions increased 26% to ₹2,120 crore. Most of the rise came from MSME loans and standard restructured accounts.
Funding, Liquidity, and Deposits
The cost of funds came down by 20 basis points to 7.79%. The company expects it to settle around 7.60–7.65% for FY26. Liquidity buffer remained high at ₹14,922 crore.
Deposits grew 15% year-on-year to ₹72,109 crore but made up only 19% of total borrowings. The company plans to cut reliance on deposits going ahead to manage funding costs.
Subsidiaries on the Rise
Bajaj Housing Finance posted a 21% profit jump to ₹583 crore. AUM grew 24% to ₹1.2 lakh crore. NPAs stayed low at 0.30% (gross).
Bajaj Financial Securities saw profit grow 37% to ₹41 crore. AUM rose to ₹6,098 crore, showing a 39% rise.
Bajaj Finance Q1 results show strong growth, steady asset quality, and smart cost control. While some loan segments like vehicle finance saw a dip, the overall picture is positive and future-ready. The NBFC giant is clearly in high gear—and not slowing down.
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