Q4 2025 Bajaj Finserv Ltd Earnings Call Transcript
Key Points
- Bajaj Finserv Ltd (BOM:532978) reported a 14% growth in consolidated total income for Q4 FY25, reaching INR36,596 crores.
- The consolidated profit after tax (PAT) also grew by 14% to INR2,417 crores compared to the same period last year.
- Bajaj Finance Limited (BFL) saw a 23% increase in consolidated total income, reaching INR11,917 crores, with a 17% growth in consolidated PAT.
- Bajaj Housing Finance reported a 26% growth in AUM, with a 54% increase in profit after tax for the quarter.
- Bajaj Finserv Health expanded its provider network significantly, enhancing its service offerings and increasing health transactions to 28 lakh in Q4 FY25.
- Bajaj Allianz General Insurance (Magic) experienced a 13% decline in gross written premium (GWP) due to changes in accounting regulations and timing variances.
- Bajaj Allianz Life Insurance (Valik) reported a 61% decline in profit after tax, impacted by lower realized gains and higher tax provisioning.
- The combined ratio for Magic increased to 104.8% from 101.6% last year, indicating higher expenses relative to premiums earned.
- Valik's new business growth was muted, affected by new surrender regulations and stock market volatility.
- The insurance segment faced challenges with regulatory changes and market conditions impacting growth and profitability.
BNC Bajaj Allianz Life Insurance Company Limited. Mr. Anckur Anil Kanwar, CFO, Bajaj Allian General Insurance Company Limited; Mr. Vipin Bansal, CFO, Bajaj Alliance Life Insurance Company Limited; Mr. Ashish Panchal, Whole-Time Director and CEO, Bajaj Finserv Direct Limited; and Mr. Devang Mody, MD and CEO of Bajaj of Health Limited.
With that, I would like to hand over the floor to Mr. Srini Vasu for his opening comments. Thank you and over to you, sir.
Good morning. Good morning, everyone. Thank you. And this is the conference call to discuss the results of Bajaj Finserv Limited for Q4 FY25 and the year ended FY25. I'll now hand over to the group CFO, Ramandeep, who will take you through the highlights of the performance.
Thank you, Srini. So good afternoon, everybody. We welcome everyone to the conference call to discuss the results of
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