Bajaj Finance Limited (BAJFINANCE) — FY25 Annual Report | 1 July 2025(3 announcements)

Bajaj Finance Limited reported a consolidated net profit of ₹87.22 crores for FY2025, reflecting a 32% year-on-year increase driven by robust growth across its financial services portfolio. The company maintained a strong customer base of 101.82 million, acquiring 18.18 million new customers during the year. Strategic initiatives focused on digital transformation, ESG integration, and operational efficiency underpinned performance. Management reaffirmed confidence in future growth, targeting expanded rural penetration and sustainable finance leadership. Key risks include regulatory scrutiny on lending practices and cyber threats to data security.

Bajaj Finance Limited's 2024-25 annual report details its financial performance, governance, and strategic initiatives. The company reported a 26% YoY AUM growth to ₹416,661 crore, 19% deposit growth to ₹71,403 crore, and 32% PAT increase to ₹16,662 crore. Key governance updates include shareholder approvals for related party transactions with Bajaj Housing Finance (₹12,612 crore) and Bajaj Allianz Life (₹1,445 crore), reappointment of Anup Saha as Managing Director, and approval of a ₹375,000 crore borrowing limit. The report highlights regulatory compliance, including RBI-mandated capital adequacy (CRAR 21.93%) and liquidity coverage (124.93%), and confirms no material defaults. Strategic focus areas include AI-driven operations, customer acquisition (200 million target), and expansion into payments, insurance, and green financing. Dividend highlights include a recommended final dividend of ₹44 per share (2200% face value) and a special dividend of ₹12 per share from BHFL share sale proceeds.

Bajaj Finance Limited reported a 32% year-on-year PAT growth to ₹16,779 crore for FY2025, driven by 26% AUM growth to ₹416,661 crore and 19% deposit expansion to ₹71,403 crore. The Board recommended a final dividend of ₹44 per share (2200% of face value) plus a special dividend of ₹12 per share (600% of face value) from a ₹2,544 crore BHFL stake sale gain. Key governance updates include approval of material related party transactions with Bajaj Housing Finance (₹12,612 crore) and Bajaj Allianz Life Insurance (₹1,445 crore), along with ESOP scheme modifications and non-convertible debenture issuance authorization. The company achieved a 124.93% LCR, maintained 0.44% net NPA, and appointed Anup Saha as new Managing Director. Shareholder approvals were secured via 99.97% majority for all resolutions at the 38th AGM.