Bajaj Finance Q1 FY27 standalone profit rises 29% to ₹5,345.5 crore

Bajaj Finance reported 29% year-on-year growth in standalone net profit for Q1 FY27, with AUM rising 23% to ₹4,00,388 crore. Consolidated profit grew 28% to ₹6,081 crore, supported by higher net interest and fee income.

— Source publishedThu, 30 Jul, 2026, 20:58 IST·First seen Thu, 30 Jul, 2026, 21:03 IST·Source The Hindu BusinessLine

What happened

Bajaj Finance reported strong Q1 FY27 growth, with standalone profit rising 29% to ₹5,345.50 crore and consolidated profit up 28%. AUM, net interest income and

Key facts

  • Standalone net profit: ₹5,345.50 crore, up 29% YoY
  • Consolidated net profit: ₹6,081 crore, up 28% YoY
  • Standalone net interest income: ₹11,495 crore, up 24% YoY
  • Fees and commission income: ₹2,228 crore, up 32% YoY
  • Standalone AUM: ₹4,00,388 crore, up 23% YoY
  • Consolidated AUM: ₹5,46,944 crore, up 24% YoY
  • Share price: ₹1,056.05, up 0.18%

Why this matters

Retailers and consumer brands may find Bajaj Finance an increasingly attractive financing partner for co-branded, checkout-credit and loyalty-led customer acquisition programs.

What to watch

  • Quarterly credit-cost trend, GNPA/NNPA movement and overdue buckets, particularly in unsecured consumer and SME loans.
  • Net interest margin trajectory versus cost of funds and deposit-growth momentum.
  • AUM growth split across secured, unsecured, consumer durable, rural, SME and digital channels.
  • RBI guidance on unsecured consumer lending, capital requirements, digital lending and NBFC liquidity.
  • Customer acquisition cost, active-customer growth, repeat-loan share and fee-income growth.
  • Festive-season retail demand and merchant-finance disbursal volumes.
  • Increase cross-sell of insurance, payments, deposits and merchant-linked finance to raise fee income per customer.
  • Use strong profitability to deepen distribution in tier-2 and tier-3 markets while targeting pre-approved existing customers.
  • Maintain selective underwriting in unsecured and small-ticket segments to protect asset quality during rapid AUM expansion.
  • Retail and consumer-durable partners may intensify zero-cost EMI, festive financing and point-of-sale credit promotions.
  • Competitors in NBFC, bank and fintech lending may respond with sharper pricing, faster approvals and expanded merchant partnerships.

Also reported by