Bajaj Finance

Net profit jumps 22% in Q4FY2026

The income from operation of Bajaj Finance increased 18.35% to Rs 21476.14 crore in Q4FY2026. Overall OPM eased to 79.44% in Q4FY2026 from 80.44% in Q4FY2025, leading to 16.88% rise in operating profit to Rs 17,060.24 crore. Other expenditure as a percentage of total income moved up to 9.05% from 8.85% in Q4FY2026. The staff cost as a percentage of total income increased to 11.51% from 10.71% in Q4FY2026.

Other income declined 94.03% to Rs 0.71 crore. Interest cost increased 12.93% to Rs 7398.28 crore. Depreciation moved up 1.39% to Rs 255.52 crore. Provisions declined 7.34% to Rs 2,007.52 crore. PBT moved up 31.23% to Rs 7,399.63 crore.

The effective tax rate increased to 25.09% in Q4FY2026 compared to 19.54% in Q4FY2025. Provision for tax was expense of Rs 1856.54 crore, compared to Rs 1101.81 crore. Profit after tax rose 22.18% to Rs 5,543.09 crore.

There was profit attributable to non-controlling interest of Rs 88.73 crore as compared to Rs 66.00 crore. The share of profit of associate companies increased 15.76% to Rs 10.21 crore. Finally, Net profit attributable to owners moved up 21.99% to Rs 5,464.57 crore.

Financial Performance FY2026

The income from operation of Bajaj Finance increased 19.36% to Rs 81482.81 crore in FY2026. Overall OPM eased to 80.04% in FY2026 from 80.22% in FY2025, leading to 19.09% rise in operating profit to Rs 65,215.07 crore. Other expenditure as a percentage of total income moved up to 8.95% from 8.78% in FY2026. The staff cost as a percentage of total income increased to 11.02% from 11% in FY2026.

Other income declined 82.75% to Rs 7.12 crore. There is 15.73% rise in interest cost at Rs 28665.95 crore and 14.53% rise in depreciation to Rs 1008.98 crore, Provisions increased 33.77% to Rs 9,481.85 crore. Profit before tax increased 18.15% to Rs 26,065.41 crore. There was an extraordinary expense of 265.22 crore against nil in previous year. After which, PBT increased 16.94% to Rs 25,800.19 crore.

The effective tax rate increased to 25.13% in FY2026 compared to 24.02% in FY2025. Provision for tax was expense of Rs 6484.29 crore, compared to Rs 5300.15 crore. Profit after tax rose 15.24% to Rs 19,315.90 crore.

There was profit attributable to non-controlling interest of Rs 314.97 crore in FY2026 as compared to Rs 141.66 crore in FY2025. The share of profit of associate companies decreased 7.58% to Rs 16.46 crore. Finally, Net profit attributable to owners rose 14.30% yoy to Rs 19,017.39 crore in FY2026.

Bajaj Finance: Consolidated Results
Particulars	2603 (3)	2503 (3)	Var %	2603 (12)	2503 (12)	Var %
Income from Operations	21476.14	18146.05	18	81482.81	68264.59	19
OPM (%)	79.44	80.44	-100 bps	80.04	80.22	-18 bps
OP	17060.24	14596.16	17	65215.07	54759.52	19
Other Inc.	0.71	11.89	-94	7.12	41.27	-83
PBDIT	17060.95	14608.05	17	65222.19	54800.79	19
Interest	7398.28	6550.94	13	28665.95	24769.75	16
PBDT	9662.67	8057.11	20	36556.24	30031.04	22
Depreciation	255.52	252.01	1	1008.98	880.99	15
Profit before Tax & Provisions	9407.15	7805.1	21	35547.26	29150.05	22
Provisions	2007.52	2166.54	-7	9481.85	7088.23	34
PBT before EO	7399.63	5638.56	31	26065.41	22061.82	18
EO	0	0	-	-265.22	0	-
PBT after EO	7399.63	5638.56	31	25800.19	22061.82	17
Tax Expenses	1856.54	1101.81	69	6484.29	5300.15	22
PAT	5543.09	4536.75	22	19315.9	16761.67	15
Profit attributable to non-controlling interest	88.73	66	34	314.97	141.66	122
Share of Profit/(Loss) from Associates	10.2	8.8	16	16.5	17.8	-8
Net profit attributable to owners	5464.57	4479.57	22	19017.39	16637.82	14
EPS (Rs)*	35.1	28.8	22.0	30.9	26.7	15.5
Equity	621.8	124.2		621.8	124.2
Adj BV (Rs)	179.7	763.9		179.7	763.9
* EPS and Adj BV are calculated on diluted equity as given for each year. Face Value: Rs 1, Figures in Rs crore
Source: Capitaline Corporate Database

 

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