| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 19-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 05-10-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second 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 | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | NBFC |
| Start date and time of board meeting | 19-10-2026 16:15:00 |
| End date and time of board meeting | 19-10-2026 16:55:00 |
| 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 | Not applicable |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 21,93,639.00 | 42,44,912.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 2,36,603.00 | 4,74,472.00 |
| (v) | Net gain on fair value changes | 6,537.00 | 15,977.00 |
| (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 | 600.00 | 925.00 |
| (ix) | Other revenue from operations | ||
| 1 | Income on derecognised (assigned) loans | 6,299.00 | 9,738.00 |
| 2 | Other operating income | 10,959.00 | 25,158.00 |
| Total other revenue from operations | 17,258.00 | 34,896.00 | |
| Total Revenue From Operations | 24,54,637.00 | 47,71,182.00 | |
| Other income | 2,945.00 | 3,042.00 | |
| Total income | 24,57,582.00 | 47,74,224.00 | |
| 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 | 2,69,061.00 | 5,33,544.00 | |
| Finance costs | 8,60,173.00 | 16,54,382.00 | |
| Depreciation, depletion and amortisation expense | 32,107.00 | 60,862.00 | |
| Fees and commission expense | 1,00,933.00 | 2,06,277.00 | |
| 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 | 2,16,609.00 | 4,15,953.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 1,25,352.00 | 2,35,470.00 |
| Total other expenses | 1,25,352.00 | 2,35,470.00 | |
| Total expenses | 16,04,235.00 | 31,06,488.00 | |
| 3 | Total profit before exceptional items and tax | 8,53,347.00 | 16,67,736.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 8,53,347.00 | 16,67,736.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 2,18,889.00 | 4,63,156.00 |
| 9 | Deferred tax | (1,826.00) | (39,253.00) |
| 10 | Total tax expenses | 2,17,063.00 | 4,23,903.00 |
| 11 | Net Profit Loss for the period from continuing operations | 6,36,284.00 | 12,43,833.00 |
| 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 | 373.00 | 884.00 |
| 15 | Total profit (loss) for period | 6,36,657.00 | 12,44,717.00 |
| 16 | Other comprehensive income net of taxes | (4,666.00) | 14,272.00 |
| 17 | Total Comprehensive Income for the period | 6,31,991.00 | 12,58,989.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 6,26,620.00 | 12,25,195.00 | |
| Total profit or loss, attributable to non-controlling interests | 10,037.00 | 19,522.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 6,22,003.00 | 12,39,378.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 9,988.00 | 19,611.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 62,239.00 | 62,239.00 | |
| Face value of equity share capital | 1 | 1 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 10.07 | 19.69 | |
| Diluted earnings per share from continuing operations | 10.05 | 19.64 | |
| 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 | 10.07 | 19.69 | |
| Diluted earnings per share | 10.05 | 19.64 | |
| 23 | Debt equity ratio | ||
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 16,67,736.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 16,54,382.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (81,21,739.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (3,35,571.00) | |
| 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 | (30,409.00) | |
| Adjustments for other bank balances | 33,500.00 | |
| Adjustments for increase (decrease) in trade payables, current | 44,392.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 3,175.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 60,862.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 4,63,668.00 | |
| Adjustments for provisions, current | 21,367.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 85,003.00 | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 52.00 | |
| Adjustments for interest income | 42,44,912.00 | |
| Adjustments for share-based payments | 22,558.00 | |
| Adjustments for fair value losses (gains) | (15,977.00) | |
| 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 | (8,391.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (1,03,68,144.00) | |
| Net cash flows from (used in) operations | (87,00,408.00) | |
| Dividends received | 0.00 | |
| Interest paid | 16,28,062.00 | |
| Interest received | 42,39,290.00 | |
| Income taxes paid (refund) | 3,80,329.00 | |
| Other inflows (outflows) of cash | 1,979.00 | |
| Net cash flows from (used in) operating activities | (64,67,530.00) | |
| 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 | 64,00,087.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 62,01,727.00 | |
| 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 | 3,552.00 | |
| Purchase of property, plant and equipment | 37,354.00 | |
| 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 | 20,089.00 | |
| 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 | 52.00 | |
| 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 | 1,44,521.00 | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 29,705.00 | |
| 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 | 92,78,746.00 | |
| Repayments of borrowings | 26,07,036.00 | |
| Payments of lease liabilities | 13,549.00 | |
| Dividends paid | 3,73,036.00 | |
| 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 | 63,14,830.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (8,179.00) | |
| 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 | (8,179.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 1,89,690.00 | |
| Cash and cash equivalents cash flow statement at end of period | 1,81,511.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 1,81,511.00 | ||
| Bank Balance other than (a) above | 13,76,289.00 | ||
| Derivative financial instruments | 2,83,167.00 | ||
| Receivables | |||
| (I) Trade Receivables | 2,14,590.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 5,74,17,444.00 | ||
| Investments | 31,74,403.00 | ||
| Other Financial assets | |||
| 1 | Other financial assets | 5,60,573.00 | |
| Total of Other Financial assets | 5,60,573.00 | ||
| Total Financial Assets | 6,32,07,977.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 26,585.00 | ||
| Deferred tax Assets (Net) | 1,92,893.00 | ||
| Investment Property | 0.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 3,27,931.00 | ||
| Capital work-in-progress | 7,574.00 | ||
| Intangible assets under development | 17,240.00 | ||
| Goodwill | 327.00 | ||
| Other Intangible assets | 96,688.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 67,037.00 | |
| Total of Other non-financial assets | 67,037.00 | ||
| Total Non Financial Assets | 7,36,275.00 | ||
| Total assets | 6,39,44,252.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 62,239.00 | ||
| Other equity | 1,22,55,736.00 | ||
| Total equity attributable to owners of parent | 1,23,17,975.00 | ||
| Non controlling interest | 31855100000 | ||
| Total equity | 1,26,36,526.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 46,700.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 285.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,54,559.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 217.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 1,23,370.00 | ||
| (C ) | Debt Securities | 2,44,83,095.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,86,67,239.00 | |
| (e) | Deposits | 69,75,370.00 | |
| (f) | Subordinated Liabilities | 72,482.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 4,01,994.00 | |
| Total of Other financial liabilities | 4,01,994.00 | ||
| Total Financial Liabilities | 5,10,25,311.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 1,12,326.00 | |
| (b) | Provisions | 96,127.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 73,962.00 | |
| Total of Other non-financial liabilities | 73,962.00 | ||
| Total Non Financial Liabilities | 2,82,415.00 | ||
| Total liabilities | 5,13,07,726.00 | ||
| Total equity and liabilites | 6,39,44,252.00 | ||
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| 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 | 161200000 | 461700000 |
| Total Amount of items that will not be reclassified to profit and loss | 161200000 | 461700000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 437.00 | 742.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit or loss | -880700000 | 1190500000 |
| Total Amount of items that will be reclassified to profit and loss | -880700000 | 1190500000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (2,966.00) | 1,508.00 |
| 5 | Total Other comprehensive income | (4,666.00) | 14,272.00 |