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Bajaj Finance Ltd (BAJFINANCE) — concall transcript | 30 June 2024(2 announcements)

· BSE 🟡 Notable Neutral
By StockFin Research Team • AI-Assisted Analysis • Source: BSE/NSE Filings
1 concall transcript 🟡 Notable Neutral 📄 PDF
2 concall transcript 🟡 Notable Neutral 📄 PDF
📢 Key Event
Bajaj Finance reported 31% AUM growth to Rs23,600 crores in Q1 FY25, driven by 4.47 million new customers and robust deposit expansion to nearly Rs63,000 crores (+26%).
🔄 What Changed
Net NPA widened to 38 bps amid election-related collection pressures; cost of funds peaked at 7.94% before expected stabilization in August/September; BHFL filed IPO DRHP on 8 June.
🔮 What's Next
26-28% growth guidance with upward bias; credit cost normalization to 175-185 bps medium-term; cost of funds to stabilize after August/September.
💡 Investor Takeaway
Strong growth fundamentals are offset by near-term credit quality pressures, but management expects stabilization and sustained momentum in rural B2C and B2B segments.

Bajaj Finance reported 31% AUM growth to Rs23,600 crores in Q1 FY25, driven by 4.47 million new customers and robust deposit expansion to nearly Rs63,000 crores (+26%). PAT rose 14% to Rs3,940 crores with ROE at 19.9%, though net NPA widened to 38 bps amid election-related collection pressures. Cost of funds peaked at 7.94% before expected stabilization in August/September. Subsidiary BHFL filed its IPO DRHP on 8 June, while rural B2C growth accelerated through lower EMI thresholds, though product per customer plateaued at 6.1-6.2. Management reaffirmed 26-28% growth guidance with upward bias, citing a one-time Rs45 crore portfolio sale gain and medium-term credit cost normalization to 175-185 bps.

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About Bajaj Finance Ltd (BAJFINANCE)

Financial Services · Finance · Listed on BSE

Market Cap: ₹6,58,083.37 Cr P/E: 32.4 ROE: 18.1% ROCE: 10.4% Div Yield: 0.57%

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🔥 Also filed on 30 June 2024

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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