Welcome To
BAJAJ FINANCE LTD

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ABOUT BAJAJ FINANCE

Bajaj Finance Ltd. is one of India’s leading and most diversified financial services companies.

At the heart of our business lies innovation and financial inclusion. Over the last 16 years, Bajaj Finance has enabled India’s growing mass affluent and middle-class population access to all kinds of financial services to realise their dreams. Since inception, the company has leveraged technology to launch 22 product lines and 46 product variants for retail, MSME and commercial consumers, with major product innovations such as EMI card and Flexi.

Product Groups

Consumer Lending

Personal Loans

Public and Corporate Deposits

Rural Lending

Loan against securities

SME Lending

Commercial Lending

Partnerships and Services

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Customers

69.1 million

Locations

3,733

Distribution Points

154,650+

Employees

43,147

OUR BUSINESS CONSTRUCT

Ambition

To be a leading payments and financial services company in India. Dominate with
100 MM consumers, market share of 3% of payments GMV, 3-4% of total credit and 4-5% of retail credit in India.

STRATEGY

To be an omnipresent financial services company dominant across all consumer platforms - physical, app, web, social, rewards and virtual.

APPROACH

To acquire & cross-sell across payments, assets, deposits, insurance, investments and broking products to Consumer, MSME, Commercial and Rural consumers across all consumer platforms.

PHILOSOPHY

To build businesses with a 10 year view anchored on prudence and risk management to deliver ‘through the cycle’ 19–21% shareholder returns.

MARKET SHARE

Every business of the company to be amongst top 5 in their respective product.

PROFIT SHARE

To be amongst top 20 profit-making companies in India and amongst top
5 profit-making financial services
companies in India.

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FY2023 was an excellent year
for Bajaj Finance

247,379 crore

29% Y0Y

16-year CAGR 36%

Core AUM

11,508 crore

64% Y0Y

16-year CAGR 52%

Profit after Tax

29.6 million

20%

New loans booked

28,846 crore

32%

Net Interest Income

24.97%

as of 31 March 2023

Capital adequacy ratio

0.94%

Best ever

Gross NPA

Business highlights

New customers

11.6 million
Highest ever customer franchise addition

Tech-driven

35.5 million
Net users on digital app platform

EMI Card franchise

42 million cards in force (CIF)
EMI Card franchise

Credit Rating

AAA/Stable for long-term borrowing from CRISIL, India Ratings, CARE and ICRA,

A1+ for short-term borrowing from CRISIL, India Ratings and ICRA, and

AAA/Stable for fixed deposit program from CRISIL and ICRA.

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Chairman's Letter

Omnichannel strategy will make Bajaj Finance a truly customer-centric digital enterprise.

Sanjiv Bajaj

Chairman

Bajaj Finance Ltd.


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Our Leadership

Our Leadership

  • ATUL JAIN Managing Director, Bajaj Housing Finance Limited

  • ANUP SAHA Executive Director

  • SANDEEP JAIN Chief Financial Officer

  • RAJEEV JAIN Managing Director

  • MANISH JAIN CEO, Bajaj Financial Securities Limited

  • RAKESH BHATT Executive Director

  • SANJIV BAJAJ Chairman

Our Leadership

Our social impact initiatives:
A better tomorrow start today

Shefali Bajaj, Chairperson of CSR Steering Committee, presents a certificate of appreciation to a student for academic excellence, as part of the Sweetlings initiative for diabetic children by Hirabhai Cowasji Jehangir Medical Research Institute, supported by Bajaj Finance

Children

Helping them achieve their full potential

  • 296,548 children benefited from education-related initiatives
  • 365,300 beneficiaries of interventions for reducing infant mortality
  • 169,630 children supported through health interventions

Fostering youth employability at a CPBFI event

Skilling

Enabling financial self-sufficiency for future changemakers of society

  • 30,000 fresh graduates benefited by CPBFI programme across India; presence in 140 towns in 30 states
  • 11,250 first-time job seekers had access to employment