Q1 2027 Bajaj Finance Ltd Earnings Call Transcript

Jul 30, 2026 / 01:00 PM GMT

Release Date Price: ₹1056.05 (+0.18%)

Transcript

Key Points

Positve

Record customer additions of 5 million and AUM growth of 37,000 crores, driving strong profit growth of 28%.
Secular and broad-based growth across segments, with gold loan portfolio surging 112% and rural/urban consumer finance growing 49% and 38%.
Significant improvement in asset quality, with loan loss to average AUM improving to 1.54% from 1.87% year-over-year.
Strong momentum in AI and digital transformation, with AI voice and text bots handling 71% of DIY customer service volume and contributing to 20% of personal loan disbursements.
Confidence in sustained improvement in credit costs, with vintage performance now running below pre-COVID benchmarks across businesses.

Negative

OpEx to NTI ratio increased marginally to 33.1%, driven by accelerated investments in gold loan, branch expansion, and new labor code costs.
MSME loan growth remained subdued at 2% due to ongoing portfolio pruning, with recovery expected only by Q3.
Geopolitical tensions and monsoon uncertainty led to an additional management and macroeconomic provision of 296 crores, impacting credit cost metrics.
Cost of funds expected to slowly creep up due to inflationary pressures from the West Asia crisis and potential monsoon impact.
Intense competition in the gold loan and personal loan segments, with many new entrants, could pressure margins and growth sustainability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BJFN.NS - Bajaj Finance Ltd
Q1 2027 Bajaj Finance Ltd Earnings Call
Jul 30, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, you've been connected to the Bajaj Finance conference call, please stay connected, the call will begin shortly.

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