| Scrip code | 500034 |
|---|---|
| NSE Symbol | BAJFINANCE |
| MSEI Symbol | NOTLISTED |
| ISIN | INE296A01032 |
| Name of company | BAJAJ FINANCE LIMITED |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 29-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 06-04-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Single segment |
| Description of single segment | NBFC |
| Start date and time of board meeting | 29-04-2026 13:45:00 |
| End date and time of board meeting | 29-04-2026 15:50:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 19,17,890.00 | 72,77,601.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 2,22,888.00 | 7,75,439.00 |
| (v) | Net gain on fair value changes | 1,176.00 | 47,124.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 55.00 | 1,571.00 |
| (ix) | Other revenue from operations | ||
| 1 | Income on derecognised (assigned) loans | 5,605.00 | 46,546.00 |
| 2 | Other operating income | 12,965.00 | 49,957.00 |
| Total other revenue from operations | 18,570.00 | 96,503.00 | |
| Total Revenue From Operations | 21,60,579.00 | 81,98,238.00 | |
| Other income | 71.00 | 712.00 | |
| Total income | 21,60,650.00 | 81,98,950.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 2,47,138.00 | 8,97,853.00 | |
| Finance costs | 7,39,828.00 | 28,66,595.00 | |
| Depreciation, depletion and amortisation expense | 25,552.00 | 1,00,898.00 | |
| Fees and commission expense | 1,04,556.00 | 3,65,810.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 2,00,752.00 | 9,48,185.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 1,02,861.00 | 4,13,068.00 |
| Total other expenses | 1,02,861.00 | 4,13,068.00 | |
| Total expenses | 14,20,687.00 | 55,92,409.00 | |
| 3 | Total profit before exceptional items and tax | 7,39,963.00 | 26,06,541.00 |
| 4 | Exceptional items | 0.00 | (26,522.00) |
| 5 | Total profit before tax | 7,39,963.00 | 25,80,019.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 1,74,086.00 | 6,87,416.00 |
| 9 | Deferred tax | 11,568.00 | (38,987.00) |
| 10 | Total tax expenses | 1,85,654.00 | 6,48,429.00 |
| 11 | Net Profit Loss for the period from continuing operations | 5,54,309.00 | 19,31,590.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 1,021.00 | 1,646.00 |
| 15 | Total profit (loss) for period | 5,55,330.00 | 19,33,236.00 |
| 16 | Other comprehensive income net of taxes | 1,826.00 | (6,052.00) |
| 17 | Total Comprehensive Income for the period | 5,57,156.00 | 19,27,184.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 5,46,457.00 | 19,01,739.00 | |
| Total profit or loss, attributable to non-controlling interests | 8,873.00 | 31,497.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 1,911.00 | (5,820.00) | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | (85.00) | (232.00) | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 62,179.00 | 62,179.00 | |
| Face value of equity share capital | 1 | 1 | |
| 21 | Reserves excluding revaluation reserve | 1,13,37,723.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 8.79 | 30.6 | |
| Diluted earnings per share from continuing operations | 8.76 | 30.51 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 8.79 | 30.6 | |
| Diluted earnings per share | 8.76 | 30.51 | |
| 23 | Debt equity ratio | ||
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | Textual Information(1) | |
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Textual Information(1) | Full financial results have been filed with stock exchanges. Detailed notes forms part of financial results. |
|---|
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 25,80,019.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 28,66,595.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (1,03,84,630.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 6,24,634.00 | |
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |
| Adjustments for other financial assets, non-current | 0.00 | |
| Adjustments for other financial assets, current | 73,652.00 | |
| Adjustments for other bank balances | (4,12,426.00) | |
| Adjustments for increase (decrease) in trade payables, current | 22,649.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 52,620.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 1,00,898.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 10,28,150.00 | |
| Adjustments for provisions, current | 25,099.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 72,418.00 | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 114.00 | |
| Adjustments for interest income | 72,77,601.00 | |
| Adjustments for share-based payments | 43,960.00 | |
| Adjustments for fair value losses (gains) | (47,124.00) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | (46,283.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (1,32,57,503.00) | |
| Net cash flows from (used in) operations | (1,06,77,484.00) | |
| Dividends received | 0.00 | |
| Interest paid | 25,94,679.00 | |
| Interest received | 73,34,129.00 | |
| Income taxes paid (refund) | 6,46,085.00 | |
| Other inflows (outflows) of cash | 5,139.00 | |
| Net cash flows from (used in) operating activities | (65,78,980.00) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 1,01,98,593.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 1,04,47,985.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 6,525.00 | |
| Purchase of property, plant and equipment | 56,003.00 | |
| Proceeds from sales of investment property | 0.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 40,107.00 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 0.00 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | 0.00 | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 114.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) investing activities | (3,38,863.00) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 1,38,022.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 43,526.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 1,25,22,145.00 | |
| Repayments of borrowings | 55,88,492.00 | |
| Payments of lease liabilities | 24,253.00 | |
| Dividends paid | 3,47,661.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities | 67,43,287.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (1,74,556.00) | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | (1,74,556.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 3,64,246.00 | |
| Cash and cash equivalents cash flow statement at end of period | 1,89,690.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 1,89,690.00 | ||
| Bank Balance other than (a) above | 13,85,842.00 | ||
| Derivative financial instruments | 2,39,186.00 | ||
| Receivables | |||
| (I) Trade Receivables | 1,90,808.00 | ||
| (II) Other Receivables | |||
| Loans | 4,98,94,354.00 | ||
| Investments | 30,57,780.00 | ||
| Other Financial assets | |||
| 1 | Other financial assets | 4,30,041.00 | |
| Total of Other Financial assets | 4,30,041.00 | ||
| Total Financial Assets | 5,53,87,701.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 22,959.00 | ||
| Deferred tax Assets (Net) | 1,56,007.00 | ||
| Investment Property | |||
| Biological assets other than bearer plants | |||
| Property, Plant and Equipment | 2,85,106.00 | ||
| Capital work-in-progress | 6,183.00 | ||
| Intangible assets under development | 5,758.00 | ||
| Goodwill | 327.00 | ||
| Other Intangible assets | 1,09,223.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 21,972.00 | |
| Total of Other non-financial assets | 21,972.00 | ||
| Total Non Financial Assets | 6,07,535.00 | ||
| Total assets | 5,59,95,236.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 62,179.00 | ||
| Other equity | 1,13,37,723.00 | ||
| Total equity attributable to owners of parent | 1,13,99,902.00 | ||
| Non controlling interest | 29865200000 | ||
| Total equity | 1,16,98,554.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 6,158.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 91.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,10,362.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 33.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 1,17,347.00 | ||
| (C ) | Debt Securities | 1,93,13,190.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,70,64,253.00 | |
| (e) | Deposits | 68,53,275.00 | |
| (f) | Subordinated Liabilities | 2,80,531.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 2,79,616.00 | |
| Total of Other financial liabilities | 2,79,616.00 | ||
| Total Financial Liabilities | 4,41,24,856.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 26,024.00 | |
| (b) | Provisions | 74,894.00 | |
| (C ) | Deferred tax liabilities (Net) | ||
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 70,908.00 | |
| Total of Other non-financial liabilities | 70,908.00 | ||
| Total Non Financial Liabilities | 1,71,826.00 | ||
| Total liabilities | 4,42,96,682.00 | ||
| Total equity and liabilites | 5,59,95,236.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| Whether results are audited or unaudited | Unaudited | Audited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Items that will not be reclassified to profit or loss | 437000000 | 145200000 |
| Total Amount of items that will not be reclassified to profit and loss | 437000000 | 145200000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 1,374.00 | 596.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit or loss | -206100000 | -1076200000 |
| Total Amount of items that will be reclassified to profit and loss | -206100000 | -1076200000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (891.00) | (3,854.00) |
| 5 | Total Other comprehensive income | 1,826.00 | (6,052.00) |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | Price Waterhouse LLP | Yes | 31-01-2027 | ||
|---|---|---|---|---|---|
| 2 | Kirtane & Pandit LLP | Yes | 31-12-2028 | ||