Investor Presentation

AI summary - Consolidated AUM grew 26% YoY to ₹584,624 Cr; PBT up 29% to ₹8,537 Cr in Q2 FY27 - Bajaj Finance expects 60-62 MM new loans and 18-20 MM new customers in FY27 - Cost of funds improved to 7.31%; deposits contribute 14% of borrowings - Credit cost excluding provisions declined 12% YoY; GNPA improved to 1.06%, NNPA to 0.42% - Capital adequacy strong at 20.33%; leverage ratio at 5.1x - Bajaj Housing Finance AUM up 25% to ₹158,205 Cr; PAT up 18% to ₹757 Cr - Bajaj Financial Securities AUM up 59% to ₹12,058 Cr; PAT up 36% to ₹64 Cr - Strong AI and digital transformation with increased AI-driven loan offers and customer engagement - Geographic presence expanded with 4,091 locations and 254K active distribution points - Board approved equity raise of up to ₹17,500 Cr via QIP and preferential warrants