Bajaj Finance Q2FY26 Net Profit Jumps 23% YoY to ₹4,948 Crore; Stock Price Falls 7.4%

New Delhi, November 11, 2025: Bajaj Finance Ltd reported a robust 23% year-on-year growth in consolidated net profit for the quarter ended September 30, 2025, reaching ₹4,948 crore. This strong performance was driven by higher interest income and the continued expansion of its loan book. Despite the strong quarterly performance, Bajaj Finance shares declined sharply, falling 7.4% to ₹1,004 immediately after the earnings announcement, reflecting cautious investor sentiment and profit-booking in the short term

Strong Income Growth

The company posted a total consolidated income of ₹20,181 crore in Q2FY26, up from ₹17,095 crore in the same quarter last year. Net interest income surged 22% to ₹10,785 crore, compared to ₹8,838 crore in Q2FY25, supported by steady customer additions and higher loan disbursements.

Expenses and Profitability

The company’s total expenditure increased to ₹13,576 crore from ₹11,697 crore in the same period last year. This is in line with the business expansion of Bajaj Finance. Despite the surge in cost, Bajaj Finance maintained its momentum of profitability, boosted by strong origination of loans across consumer and SME segments

Asset Quality and Capital Position

The company’s Gross non-performing assets were recorded at 1.24% of gross loans as of September 2025. This is compared to 1.06% a year earlier. The company’s net NPAs also rose 0.6% from 0.46% in the same period last year.

Loan Book Expansion

Bajaj Finance AUM grew 24% year-on-year to ₹4,62,261 crore. This is up from ₹3,73,924 crore in the same period last year. This is followed by the company’s sustained growth trajectory across lending verticals.

Share Price Update

As of 12:21 PM, the share price of Bajaj Finance was trading at ₹1,004, which was a 7.44% decline. The scrip opened at ₹1,043, which happened to be the intraday high and touched an intraday low of ₹997. Over the past year, the stock has gained 48%, 11.24% in the last six months, while slipping 4% over the previous five days.

REF: https://nsearchives.nseindia.com/corporate/BAJFINANCE_10112025171200_OutcomeQ2FY2026.pdf

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