| Scrip code | 532978 |
|---|---|
| NSE Symbol | BAJAJFINSV |
| MSEI Symbol | NOTLISTED |
| ISIN | INE918I01026 |
| Name of company | BAJAJ FINSERV 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 | 30-04-2026 |
| 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 | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 30-04-2026 11:15:00 |
| End date and time of board meeting | 30-04-2026 14:05:00 |
| 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 | 21,01,858.00 | 79,95,595.00 |
| (ii) | Dividend Income | 4,051.00 | 21,863.00 |
| (iii) | Rental Income | 31.00 | 207.00 |
| (iv) | Fees and commission Income | 1,83,987.00 | 6,79,778.00 |
| (v) | Net gain on fair value changes | (3,25,082.00) | (1,82,408.00) |
| (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 | 25,540.00 | 1,01,317.00 |
| (ix) | Other revenue from operations | ||
| 1 | Premium and other operating income from insurance business | 18,34,554.00 | 63,13,410.00 |
| 2 | Others | 24,440.00 | 1,20,615.00 |
| Total other revenue from operations | 18,58,994.00 | 64,34,025.00 | |
| Total Revenue From Operations | 38,49,379.00 | 1,50,50,377.00 | |
| Other income | 1,435.00 | 2,661.00 | |
| Total income | 38,50,814.00 | 1,50,53,038.00 | |
| 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 | 3,97,887.00 | 14,12,217.00 | |
| Finance costs | 7,29,090.00 | 28,23,178.00 | |
| Depreciation, depletion and amortisation expense | 31,701.00 | 1,29,136.00 | |
| Fees and commission expense | 2,95,958.00 | 10,73,235.00 | |
| 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 | 1,99,100.00 | 9,47,999.00 | |
| (f) | Other expenses | ||
| 1 | Claims paid | 7,51,738.00 | 26,73,123.00 |
| 2 | Reinsurance ceded | 3,02,024.00 | 13,12,659.00 |
| 3 | Net change in insurance / investment contract liabilities | 2,52,932.00 | 12,02,711.00 |
| 4 | Other expenses | 1,98,668.00 | 7,54,162.00 |
| Total other expenses | 15,05,362.00 | 59,42,655.00 | |
| Total expenses | 31,59,098.00 | 1,23,28,420.00 | |
| 3 | Total profit before exceptional items and tax | 6,91,716.00 | 27,24,618.00 |
| 4 | Exceptional items | 0.00 | (37,949.00) |
| 5 | Total profit before tax | 6,91,716.00 | 26,86,669.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 1,78,879.00 | 7,77,444.00 |
| 9 | Deferred tax | (8,695.00) | (56,076.00) |
| 10 | Total tax expenses | 1,70,184.00 | 7,21,368.00 |
| 11 | Net Profit Loss for the period from continuing operations | 5,21,532.00 | 19,65,301.00 |
| 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 | 1,094.00 | 1,646.00 |
| 15 | Total profit (loss) for period | 5,22,626.00 | 19,66,947.00 |
| 16 | Other comprehensive income net of taxes | (2,27,913.00) | (4,23,489.00) |
| 17 | Total Comprehensive Income for the period | 2,94,713.00 | 15,43,458.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 2,53,867.00 | 9,80,097.00 | |
| Total profit or loss, attributable to non-controlling interests | 2,68,759.00 | 9,86,850.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 83,373.00 | 6,66,578.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 2,11,340.00 | 8,76,880.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 15,987.00 | 15,987.00 | |
| Face value of equity share capital | 1 | 1 | |
| 21 | Reserves excluding revaluation reserve | 77,75,466.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 15.9 | 61.3 | |
| Diluted earnings per share from continuing operations | 15.8 | 61 | |
| 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 | 15.9 | 61.3 | |
| Diluted earnings per share | 15.8 | 61 | |
| 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 | NA |
| 25 | Interest service coverage ratio | NA |
| Textual Information(1) | NA |
|---|
| 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 | 26,86,669.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (1,29,852.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (6,03,429.00) | |
| 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 | (95,64,464.00) | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | 1,17,411.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 4,44,512.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 14,88,747.00 | |
| Adjustments for depreciation and amortisation expense | 1,29,136.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 0.00 | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 21,863.00 | |
| Adjustments for interest income | 79,95,595.00 | |
| Adjustments for share-based payments | 63,179.00 | |
| Adjustments for fair value losses (gains) | 0.00 | |
| 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) | 38,96,607.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (1,21,75,611.00) | |
| Net cash flows from (used in) operations | (94,88,942.00) | |
| Dividends received | 0.00 | |
| Interest paid | 25,94,679.00 | |
| Interest received | 73,34,129.00 | |
| Income taxes paid (refund) | 7,39,213.00 | |
| Other inflows (outflows) of cash | (41,436.00) | |
| Net cash flows from (used in) operating activities | (55,30,141.00) | |
| 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 | 2,07,72,949.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 2,25,19,108.00 | |
| 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 | 13,061.00 | |
| Purchase of property, plant and equipment | 1,01,429.00 | |
| 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 | 43,389.00 | |
| 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 | 7,58,267.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (1,43,838.00) | |
| Net cash flows from (used in) investing activities | (12,63,487.00) | |
| 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 | 69,472.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 2,51,092.00 | |
| 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 | 1,21,45,963.00 | |
| Repayments of borrowings | 52,12,384.00 | |
| Payments of lease liabilities | 44,180.00 | |
| Dividends paid | 1,84,769.00 | |
| 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 | 66,61,032.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (1,32,596.00) | |
| 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 | (1,32,596.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 8,61,620.00 | |
| Cash and cash equivalents cash flow statement at end of period | 7,29,024.00 | |
| 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 | 3,59,859.00 | ||
| Bank Balance other than (a) above | 14,01,945.00 | ||
| Derivative financial instruments | 2,41,838.00 | ||
| Receivables | |||
| (I) Trade Receivables | 9,33,208.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 5,00,01,597.00 | ||
| Investments | 1,94,41,354.00 | ||
| Other Financial assets | |||
| 1 | Other financial assets | 23,09,353.00 | |
| Total of Other Financial assets | 23,09,353.00 | ||
| Total Financial Assets | 7,46,89,154.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 42,420.00 | ||
| Deferred tax Assets (Net) | 2,05,108.00 | ||
| Investment Property | 2,840.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 4,36,363.00 | ||
| Capital work-in-progress | 25,031.00 | ||
| Intangible assets under development | 7,100.00 | ||
| Goodwill | 80,284.00 | ||
| Other Intangible assets | 1,53,420.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 2,08,034.00 | |
| Total of Other non-financial assets | 2,08,034.00 | ||
| Total Non Financial Assets | 11,60,600.00 | ||
| Total assets | 7,58,49,754.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 15,987.00 | ||
| Other equity | 77,75,466.00 | ||
| Total equity attributable to owners of parent | 77,91,453.00 | ||
| Non controlling interest | 630507500000 | ||
| Total equity | 1,40,96,528.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 1,55,794.00 | |
| (b) | Payables | 0.00 | |
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 2,903.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 9,02,309.00 | ||
| 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 | 2,44,086.00 | ||
| (C ) | Debt Securities | 1,86,26,424.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,70,64,253.00 | |
| (e) | Deposits | 68,53,545.00 | |
| (f) | Subordinated Liabilities | 2,80,531.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 1,67,02,214.00 | |
| Total of Other financial liabilities | 1,67,02,214.00 | ||
| Total Financial Liabilities | 6,08,32,092.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 62,882.00 | |
| (b) | Provisions | 1,01,830.00 | |
| (C ) | Deferred tax liabilities (Net) | 280.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 7,56,142.00 | |
| Total of Other non-financial liabilities | 7,56,142.00 | ||
| Total Non Financial Liabilities | 9,21,134.00 | ||
| Total liabilities | 6,17,53,226.00 | ||
| Total equity and liabilites | 7,58,49,754.00 | ||
| 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) | |||
| 1 | Insurance | 17,05,851.00 | 68,85,996.00 |
| 2 | Investments and others | 49,633.00 | 3,61,947.00 |
| 3 | Retail financing | 21,60,651.00 | 81,98,950.00 |
| 4 | Windmill | 243.00 | 2,397.00 |
| Total Segment Revenue | 39,16,378.00 | 1,54,49,290.00 | |
| Less: Inter segment revenue | 65,564.00 | 3,96,252.00 | |
| Revenue from operations | 38,50,814.00 | 1,50,53,038.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Insurance | (1,024.00) | 2,17,172.00 |
| 2 | Investments and others | (27,983.00) | (90,256.00) |
| 3 | Retail financing | 7,21,861.00 | 25,60,149.00 |
| 4 | Windmill | (44.00) | 1,250.00 |
| Total Profit before tax | 6,92,810.00 | 26,88,315.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 6,92,810.00 | 26,88,315.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Insurance | 1,93,98,151.00 | 1,93,98,151.00 |
| 2 | Investments and others | 3,99,616.00 | 3,99,616.00 |
| 3 | Retail financing | 5,58,38,159.00 | 5,58,38,159.00 |
| 4 | Windmill | 3,280.00 | 3,280.00 |
| Total Segment Asset | 7,56,39,206.00 | 7,56,39,206.00 | |
| Un-allocable Assets | 5,440.00 | 5,440.00 | |
| Net Segment Asset | 7,56,44,646.00 | 7,56,44,646.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Insurance | 1,80,43,620.00 | 1,80,43,620.00 |
| 2 | Investments and others | 94,455.00 | 94,455.00 |
| 3 | Retail financing | 7,83,023.00 | 7,83,023.00 |
| 4 | Windmill | 69.00 | 69.00 |
| Total Segment Liabilities | 1,89,21,167.00 | 1,89,21,167.00 | |
| Un-allocable Liabilities | 7,026.00 | 7,026.00 | |
| Net Segment Liabilities | 1,89,28,193.00 | 1,89,28,193.00 | |
| 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 | -3547100000 | -1999700000 |
| Total Amount of items that will not be reclassified to profit and loss | -3547100000 | -1999700000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 0.00 | 0.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit or loss | -19244200000 | -40349200000 |
| Total Amount of items that will be reclassified to profit and loss | -19244200000 | -40349200000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0.00 | 0.00 |
| 5 | Total Other comprehensive income | (2,27,913.00) | (4,23,489.00) |
| 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 | KKC & Associates LLP (formerly Khimji Kunverji & Co LLP) | Yes | 31-07-2027 | ||
|---|---|---|---|---|---|