180
million+ Customerfranchise
to discover more
A Century of Values.
A Future of Possibilities.
More than a century ago, in the modest town of Wardha, Maharashtra, the first yarn of cotton was spun under the Bajaj name. No one could have imagined then that these threads would weave themselves into the story of modern India.
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1926 - 2026
Timeline
1926
Bajaj Group founded
1987
Financing India’s mobility
1994
Bajaj Auto Finance’s IPO unlocks value for investors
2001
Insurance for India
2007
- Bajaj Finserv formed
- BFL business and digital transformation starts
2018-2023
New businesses launched: Housing finance, Marketplace, Broking,
Health-tech and Asset management
2024
Bajaj Housing Finance’s IPO unlocks value
2025
BFL FinAI transformation begins
2026
- Insurance subsidiaries become 100% Bajaj
- 100 years of Bajaj
Letter
We embarked on a transformative journey to become a FinAI (Financial AI) enterprise, fuelled by an advanced AI‑driven technology architecture that integrates intelligence across all processes. This, in turn, enhances customer engagement, boosts revenue, reduces operational costs, optimises credit risk, improves productivity and strengthens financial governance.
Our Leadership
There at Every Turn:
A Financial Lifecycle Partner to
Every Indian
franchise
890+
Products4,098
Locations including 2,571 locations in smaller towns and villages
570,000
Distribution network
113,000+
Full-time employees
30
million New-to-Credit customers in 6 yearsFY2026: The Numbers that Defined the Year
Explore MoreDiversified Financial Services
Bajaj Finserv
Continuously transforming through innovation, digital-first products and platforms
₹ 150,530 crore
All-time high consolidated total income (up 13%)
₹ 9,801 crore
All-time high consolidated profit (up 10%)
Financing, Deposits, Investments
Bajaj Finance
India’s largest private sector NBFC that is re-engineering itself as an AI-first company, embedding intelligence at scale into customer journeys, processes and customer experiences
₹ 509,975 crore
Consolidated AUM (up 22%) (crossed ₹5 lakh crore)
₹ 19,017 crore
Profit after tax, attributable to owners (up 14%)
50 million+
New loans booked
Home Finance
Bajaj Housing Finance
Second-largest and amongst the most profitable HFCs in India with digital first solutions for self-employed and salaried customers
₹ 140,706 crore
Assets under management (up 23%)
₹ 2,560 crore
Profit after tax (up 18%)
Property, Casualty, and Health Protection
Bajaj General Insurance
Second-largest private insurer and amongst the most profitable, contributing to 19% of industry’s profit pool, driven by technology-led underwriting, faster claims and continuous product innovation
₹ 23,326 crore
Gross written premium (up 8%)
₹ 1,942 crore
Profit after tax (up 6%)
₹ 35,529 crore
Assets under management (up 7%)
Financial & Life Protection
Bajaj Life Insurance
Second-largest non-bank backed private life insurer in India, building seamless, simplified and personalised protection and savings journeys for policyholders
₹ 32,896 crore
Gross written premium (up 21%)
₹ 1,626 crore
Value of new business (up 41%)
₹ 133,563 crore
Assets under management (up 8%)
Digital Stockbroker
Bajaj Financial Securities
All-in-one digital platform combining demat, broking and margin trade financing for retail and HNI clients
41%
Growth in customer franchise
₹ 203 crore
Profit after tax (up 46%)
Digital Financial Marketplace & Technology Services
Bajaj Finserv Direct
Comprises:
- Bajaj Markets, an AI-first financial services marketplace that connects consumers with the widest choice of BFSI products & manufacturers
- BajajTech.ai, an AI-first, global tech business, offering expertise in Experience, Commerce, Digital Agency, CRM, Cloud, Data & AI, Emerging Tech and Engineering
103
Total unique partners
45.7 million
Total app installs
Health Tech
Bajaj Finserv Health
A digital platform providing differentiated products and services to Payers like insurers, corporates, government and more, through bilateral network arrangement with all Providers who cover wellness, Outpatient (OPD) and Inpatient (IPD) services, thus giving continuum of care
15,000+
Hospitals
20 million+
Health transactions processed
125,000+
Doctors on platform
Mutual Funds
Bajaj Finserv Asset Management
A full-stack AMC across active and passive products in debt, equity and hybrid, for retail, HNI and institutional investors with a unique behavioural-finance philosophy
₹ 30,627 crore
Average AUM for Q4 FY2026
Building for Tomorrow.
Building for a
Billion Futures.
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AI Cloud
Infrastructure at BFL
- Microsoft Cloud for most AI workloads
- Google Cloud Platform for voice and data
- Salesforce for native AI
Responsible AI
- Framework for Responsible and Ethical Enablement of AI (FREE AI) Board-level policy
- Dedicated AI security team led by Deputy CISO
- Observability and security platform under implementation
AI Outcomes
- 300+ AI-driven projects underway across the group
- 100+ projects deployed
Finserv
Intelligence
A Future being Built Today at
Bajaj Finserv
The next decade of value creation in financial services will belong to those who build technology that powers it. We have chosen to build and to build in India.
Explore MoreA Century Celebrated
Some milestones are measured in numbers, but 100 years of the Bajaj Group measures nation-building.
Jamnalal Bajaj, philanthropist, freedom fighter, social reformer and the man Mahatma Gandhi considered his fifth adopted son, was the founder of the Bajaj Group. In 1970, the Government of India honoured him by releasing a commemorative postal stamp.
Jamnalal Bajaj’s spouse Jankidevi Bajaj promoted many social reforms; in 1956, she received the second-highest civilian award ‘Padma Vibhushan’ from the President of India, Dr. Rajendra Prasad
Rahul Bajaj, Chairman Emeritus of Bajaj Group, was an extraordinary visionary and one of India’s most distinguished business leaders.
Jamnalal Bajaj with Mahatma Gandhi at Sevagram in 1941
People Who Power
Our Purpose
Our people are at the heart of how we serve customers and create long-term value.
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Building India’s
Workforce
108,216
95% employees trained on human rights principles in FY2026
Preparing Our People
for an AI-first Culture
192
AI-focused learning batches conducted
Inclusion Strengthens
Innovation
6,200+
Women added across Group Companies during the year
₹ 45,083 crore
Surplus capital held above regulatory requirements across BFL, BHFL, Bajaj General Insurance and Bajaj Life Insurance
~96%
Responsible-investment coverage at Bajaj General and Bajaj Life, against an 80% target
Reasonable assurance
On BRSR Core
(Scope 1 & 2, water, waste)
30 million
New-to-credit customers added by BFL in the last six financial years
49.1 million
Lives covered through integration with government health schemes in Bajaj General
7.40 lakh+
Women reached through group MFI lending, across 447 microfinance branches
90.4 million units
Wind power generated; total green electricity
800,000+
Saplings planted to date (2 lakh+ in FY2026)
61,042 tCO2e
Total Scope 1 + 2 emissions
₹ 416 crore
CSR expenditure
9.3 million
CSR beneficiaries for full project period
3.41 lakh
Youth skilled, across
34 impact-assessed projects
99.3%
Retail claim settlement ratio
(Bajaj Life)
1.23 per 10,000
Customer Grievance ratio (Bajaj General), among the lowest in the industry
94% | 82%
Urban and rural digital
payments at BFL
~29%
Women insurance agents
(Bajaj Life 33%, Bajaj General 23%)
~14%
Gender diversity ratio
ISO 45001
Occupational Health and Safety Management System rolled out across offices
- Multi-layered Security & Cyber Security policies - VAPT, SOC monitoring, DLP and anti-phishing controls
- Group-wide cyber insurance, annual policy reviews and employee awareness programmes
- BRSR assurance across all listed companies and material subsidiaries
- Bajaj General and Bajaj Life - among the first non-listed insurers in India to fully report ESG metrics per SEBI BRSR guidelines
- Voluntary limited assurance on environmental data since FY2022; reasonable assurance on Scope 1 & 2, water and waste from FY2024
Corporate Social Responsibility
A Legacy of
Transforming Lives
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.
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