Bajaj Finance Q2 Profit Jumps 23% to ₹4,948 Crore
Bajaj Finance Ltd (BFL) has reported strong financial results for the second quarter ending September 30, 2025, with a significant 23% year-on-year rise in consolidated net profit, reaching ₹4,948 crore.
Key Financial Highlights
- Net Profit: ₹4,948 crore (up 23% YoY)
- Net Interest Income (NII): ₹10,785 crore (up 22% YoY)
- Assets Under Management (AUM): ₹4,62,261 crore (up 24% YoY)
Asset Quality and Provisions
While the company showed robust growth, asset quality saw some pressure. Gross Non-Performing Assets (NPA) rose to 1.24% from 1.06% a year ago. Similarly, Net NPA increased to 0.60% from 0.46%.
Loan losses and provisions for the quarter stood at ₹2,269 crore, marking a 19% increase compared to the same period last year. The provisioning coverage ratio for stage 3 assets was reported at 52%.
Strong Capital Position
Bajaj Finance maintained a healthy capital base. The Capital Adequacy Ratio (CRAR), including Tier-II capital, was a strong 21.23% as of September 30, 2025. The Tier-I capital stood at 20.54%, indicating a solid buffer.
