Bajaj Finance Limited released its audited standalone and consolidated financial results for Q4 and the full financial year ended March 31, 2025. The company reported growth across key parameters such as new loan bookings, customer franchise, and assets under management (AUM).
Post the announcement, on April 30, 2025, Bajaj Finance share price (NSE: BAJFINANCE) opened at ₹8,840.00, down from its previous close of ₹9,093.00. At 9:30 AM, the share price of Bajaj Finance was trading at ₹8,560.50, down by 5.86% on the NSE. Notably, the share price hit its 52-week high recently on April 24, 2025, at ₹9,660.00.
In Q4 FY25, Bajaj Finance booked 10.70 million new loans, marking a 36% YoY growth from 7.87 million in Q4 FY24. The customer franchise surpassed the 100-million milestone, reaching 101.82 million, a 22% rise from 83.64 million in the same period last year. This reflects an addition of 4.7 million new customers in just one quarter.
Assets Under Management (AUM) increased by 26% YoY to ₹4,16,661 crore from ₹3,30,615 crore. The company’s Net Interest Income (NII) rose 22% to ₹9,807 crore in Q4 FY25, compared to ₹8,013 crore a year ago. Profit After Tax (PAT) stood at ₹4,546 crore, growing 19% YoY.
The Gross NPA and Net NPA stood at 0.96% and 0.44%, respectively, as of March 31, 2025, compared to 0.85% and 0.37% last year, indicating a marginal rise in asset quality risks.
For the full year, the company booked 43.42 million new loans, registering a 20% YoY growth. The customer base grew by 18.18 million during the year. The Net Interest Income grew by 23% to ₹36,393 crore, while Net Total Income rose 24% to ₹44,954 crore. PAT for FY25 came in at ₹16,779 crore, up 16% from FY24.
The operating expenses to net total income ratio improved slightly to 33.2%, compared to 34.0% in the previous year.
The Board has approved a final dividend of ₹44 per equity share (2200%) for FY25, up from ₹36 last year. A special interim dividend of ₹12 per share was also declared earlier, stemming from the sale of investment in BHFL during its IPO. The record date to determine shareholders eligible for the final dividend for the financial year ended March 31, 2025, has been set as May 30, 2025.
In a major development, the company has approved a stock split from ₹2 to ₹1 per share and a bonus issue of 4 shares for every 1 share held.
Also Read: Bajaj Housing Finance PAT Surges 54% in Q4 FY25!
With growth in loans, income, and customer base, Bajaj Finance has delivered another solid year. The dividend, stock split, and bonus issue may further enhance its appeal.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
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Published on: Apr 30, 2025, 9:36 AM IST
Nikitha Devi
Nikitha is a content creator with 6+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.
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