Bajaj Finance Q1 FY27: Growth holds strong as credit costs ease and AI scales up
Ask Iris
Frequently Asked Questions
Consolidated AUM was ₹5,46,944 crore as of 30 June 2026, up 24% year-on-year.
The company booked 16.13 million new loans and added 5.10 million new customers in Q1 FY27.
Consolidated PBT was ₹8,149 crore and PAT was ₹6,081 crore, both up 28% YoY. Annualised ROA was 4.7% and ROE was 20.4%.
Consolidated GNPA was 0.96% and NNPA was 0.39% as of 30 June 2026, with stage 3 provisioning coverage at 60%.
Key guidance included disbursing 60-62 million new loans, adding 18-20 million new customers, opening 150-175 new locations, ending FY27 with 2,700-2,800 gold loan branches and 520-550 MFI branches, and improving opex to NTI by 25-40 bps in FY27.
The company outlined a FINAL transformation roadmap including expanding AI and digital platform teams, deploying AI features across journeys in FY27, scaling agentic AI to 600+ autonomous agents and 118 use cases in FY27, and planning an AI fraud model rollout by Q3 FY27.
Did your stocks survive the war?
See what broke. See what stood.
Live Q1 Earnings Tracker