Bajaj Finance Q1 FY26 PAT Soars 22% YoY To Rs 4,765 Cr On Strong AUM Growth; NII Up 22% To Rs 10,227 Cr

The unaudited standalone and consolidated financial statements for the quarter ending June 30, 2025, were discussed and approved on Thursday by Bajaj Finance Limited (BFL). Due to robust AUM growth and new loans booked during the quarter, Bajaj Finance reported a 22% rise in profit after tax in Q1 FY26 to Rs 4,765 crore from Rs 3,912 crore in Q1 FY25.

From Rs 354,192 crore as of June 30, 2024, assets under management (AUM) increased by 25% to Rs 441,450 crore during the quarter ending June 30, 2025. In Q1 of FY26, AUM increased by Rs 24,789 crore. In the first quarter of FY26, Bajaj Finance recorded a 22% rise in net interest income (NII) to Rs 10,227 crore, up from Rs 8,365 crore in the same quarter of the previous fiscal year.

According to Bajaj Finance, its net total income climbed by 21% during the quarter under review, reaching Rs 12,610 crore from Rs 10,418 crore in the same period last year. According to the corporation, its pre-provisioning operating profit climbed from Rs 6,947 crore in Q1 FY25 to Rs 8,487 crore in Q1 FY26, a 22% rise. Profit before tax rose from Rs 5,265 crore in the year-ago quarter to Rs 6,368 crore in the quarter under review, a 21% rise.

According to Bajaj Finance, its capital adequacy ratio (CRAR), which includes Tier-II capital, was 21.96% as of June 30, 2025, while its gross non-performing assets (NPA) and net non-performing assets (NPA) were 1.03% and 0.50%, respectively, compared to 0.86% and 0.38% as of June 30, 2024.

On June 16, 2025, the company successfully subdivided its shares during the quarter, lowering the face value of each fully paid equity share from Rs 2 to Rs 1 via a stock split. On June 17, 2025, the company then issued four fully paid bonus equity shares for every fully paid equity share.

The company's long-term debt program has the highest credit rating of AAA/Stable from CRISIL, ICRA, CARE, and India Ratings; its short-term debt program has an A1+ rating from CRISIL, ICRA, CARE, and India Ratings; and its fixed deposit program has a AAA (Stable) rating from CRISIL and ICRA. S&P Global Ratings has assessed the company a standalone credit profile (SACP) grade of 'BBB', a short-term issuer rating of A-3, and a long-term issuer rating of BBB-/Positive. The company has also been given Moody's ratings' stable outlook Baa3/P-3 long-term and short-term foreign and local currency issuer ratings.