A Founding Principle.
Financial Inclusion.
In 1926, Jamnalal Bajaj, freedom fighter, social reformer, philanthropist, and considered the fifth adopted son of Mahatma Gandhi, formally established the Bajaj Group, with a belief that business must serve the nation. Nearly a century later, Bajaj Finance Ltd. (BFL) stands as the most powerful expression of that belief.
The Bajaj Group: 100 years in the making
Bajaj Group
founded
1926
1987 March
Bajaj Auto Finance
incorporated
Bajaj Auto
Finance's IPO
1994 March
2007 April
Bajaj Finserv
incorporated
Delivering today. Built for what’s next.
Bajaj Housing Finance
became fully operational
2018 February
2019 January
Bajaj Broking started
operations
Bajaj Housing
Finance's IPO
2024 September
2026
Bajaj Finserv: Taking Forward
a 100-Year Legacy
Long Range
Strategy
2030
The Bajaj Group: 100 years in the making
Bajaj Group founded
Bajaj Auto Finance incorporated
Bajaj Auto Finance’s IPO
Bajaj Finserv incorporated
Bajaj Housing Finance became fully operational
Bajaj Broking started operations
Bajaj Housing Finance's IPO
FY2026: Highlights
Crossing Milestones,
Scaling Reach
Deepening
Engagement
Chairman's Letter
We are building an AI-based financial services institution where intelligence is embedded in every decision through four strategic dimensions viz. Enterprise AI, Consumer AI, Agentic AI and Data AI.
Sanjiv Bajaj
Chairman
Our Leadership
Our Leadership
-
Harjeet Toor Deputy Chief Executive Officer
-
Anurag Chottani Chief Technology Officer and Chief Operating Officer
-
Manish Jain Deputy Chief Executive Officer of Bajaj Finance Ltd. and Managing Director of Bajaj Financial Securities Ltd.
-
Sandeep Jain Chief Financial Officer and Chief Operating Officer
-
Rajeev Jain Vice Chairman and Managing Director
-
Deepak Bagati Chief Operating Officer
-
Sidhant Dadwal Deputy Chief Executive Officer
-
Manish JainDeputy Chief Executive Officer
-
Sanjiv Bajaj Chairman
-
Atul Jain Managing Director, Bajaj Housing Finance Ltd.
-
Jennifer Fernandes Chief Human Resources and Administration Officer
Our Leadership
- Top Row (Left to Right):
- Harjeet Toor, Deputy Chief Executive Officer
- Anurag Chottani, Chief Technology Officer and Chief Operating Officer
- Manish Jain, Deputy Chief Executive Officer of Bajaj Finance Ltd. and Managing Director of Bajaj Financial Securities Ltd.
- Deepak Bagati, Chief Operating Officer
- Sidhant Dadwal, Deputy Chief Executive Officer
- Manish Jain, Deputy Chief Executive Officer
- Bottom Row (Left to Right):
- Sandeep Jain, Chief Financial Officer and Chief Operating Officer
- Rajeev Jain, Vice Chairman and Managing Director
- Sanjiv Bajaj, Chairman
- Atul Jain, Managing Director, Bajaj Housing Finance Ltd.
- Jennifer Fernandes, Chief Human Resources and Administration Officer
Our Products
Our diversified suite comprises 27 products and 46 variants with one goal: to provide financial solutions for every customer, wherever they are. From the Bajaj Finance App and website to social media and our branch network, our product suite is built for accessibility, meeting customers anytime, anywhere, on their channel of choice.
Digital-first Engagement
Driving Financial Inclusion
The Bajaj Finance App is the nerve centre of our platform-first strategy. Built on a modular, cloud-native architecture, it delivers an omnichannel experience designed to make financial services more accessible.
Bajaj Mall
(Play Store/App Store rating)
FINAI Transformation
AI is Reshaping How
We Do Business
Our FINAI transformation is no longer a set of pilots. It is reshaping Bajaj Finance's business model and the way our customers experience us and is positively impacting business outcomes. This means structurally using AI across the board, in every process and across the entire lifecycle of the customer, from leveraging data for AI, using it in product and service discovery, customer onboarding and engagement, to using it at point of sale and branches. AI is now embedded in how we acquire, serve and grow with every customer.
Data for AI
The foundation of intelligence has led to significantly better insights on engagements and conversations with customers
Conversational AI
Engagement at scale
Agentic AI in Service
Resolution reimagined
Vision AI
Automation at the front line
Focused AI Talent
Responsible AI
- AI governance framework aligned with RBI's Framework for Responsible and Ethical Enablement of AI (FREE)-AI policy
- Dedicated AI security team
- Observability and security platform under implementation
AI Cloud Infrastructure
- Microsoft Cloud for most AI workloads
- Google Cloud Platform for voice and data
- Salesforce for native AI
Bold Reimagination of Finance with AI
Our Blueprint for
Long-term Value Creation
AI is rewriting business models. Power is shifting from enterprises to consumers. At Bajaj Finance, we see this not as a disruption to navigate but as our moment to lead in the expanse of our product suite, customer franchise, technology deployment and risk management.
FY2026 marked the launch of our Long-Range Strategy 2026-30, a five-year blueprint shaped for a defining moment in financial services.
Our strategy rests on three priorities:
Customer
Centricity
As a customer-centric company that serves all needs of the customer, we focus on experience, long- term relationships, products and processes designed for customer satisfaction.
Technology
Leadership in India
We aim to be a technology leader in financial services in India. This means a deep commitment to leverage technology as a catalyst to achieve goals and drive innovation. It is the ability to anticipate trends, envision transformation and reshape business models to make life simpler for consumers.
Lowest Risk
Company in India
Lowest risk company is principally defined as having low tolerance across all dimensions of risk, namely credit risk, operational risk, fraud risk, compliance risk, market risk, technology risk and reputation risk while maintaining sustainable growth and profitability.
People and Culture
Where Technology Advances and People Thrive
At BFL, technology and people evolve together. As we accelerate our AI transformation, we continue to invest just as deeply in our culture, creating an environment where people feel valued, empowered to learn and equipped to grow.
Our Culture Anchors
Our Culture Anchors
Our ESG Priorities
Responsible growth in Action
Customer Centricity
Innovate and invest in products, technologies and processes that enhance customer experience and promote professional, fair and transparent dealings.
Financial Inclusion
Provide access to relevant and affordable financial products and services that meet the needs of larger society.
Corporate Governance
Conduct and govern business with integrity in a manner that is ethical, transparent and accountable.
Board-approved ESG Committee
Human Capital Management
Create a thriving, safe and inclusive workplace for employees and provide merit-based opportunities for professional development and growth.
Preserving and Protecting the Environment
Strive to adopt environmental practices and processes that minimise/eliminate the adverse impacts on environment due to Company operations.
Information & Cybersecurity
Adopt robust information security, cybersecurity and fraud control practices.
Empowering Society
Promote social welfare activities for inclusive growth, equitable development and well-being of society.
Stakeholder Engagement
Engage with relevant stakeholders for enhancing sustainable and responsible business practices.
Corporate Social Responsibility
Social Impact: A Legacy
of Transforming Lives
The Five Pillars of our
CSR Commitment
volunteering
Jamnalal Bajaj put social responsibility into practice long before the term existed and decades before it became law. Across generations, the Bajaj Group has carried forward the belief that business exists not apart from society, but in its service.
Our Refreshed Brand Identity
Our Vision
To be India's most trusted and innovative financial institution, anchored in customer-centricity and entrepreneurial culture, to deliver long-term sustainable outperformance.
Our Mission
To empower every Indian with responsible financial solutions by leveraging an AI-first technology approach, underpinned by accountable empowerment, strong governance, and disciplined risk management.
Our Purpose
We began with one purpose. Serving the financial needs of every Indian.
