The Company is an unregistered Core Investment Company (CIC) under Reserve Bank of India (RBI) Regulations. It is the holding company for various financial services businesses under the Bajaj Group. With a vision to be a diversified financial services group with a pan-India presence, it offers lifecycle financial solutions for its various customers.
*Attributable to owners of the Company
^Only for material subsidiaries (i.e. BFL, BHFL, Bajaj General and Bajaj Life)
BFS’ insurance participation is through Bajaj General Insurance Ltd. (Bajaj General) which provides non-life (Property and Casualty) and Health insurance products and Bajaj Life Insurance Ltd. (Bajaj Life) which provides life insurance and retirement plans (together referred as ‘Insurance subsidiaries’).
A Century of Creating
Common Good
At its heart was an idea that would define the Bajaj Group for the century to come – Trusteeship.
Sanjiv BajajChairman and Managing Director
Read the Full Statement
At Bajaj Finserv, sustainability is integral to the way we build our businesses, serve our customers and create long-term value.
Ramandeep Singh SahniChief Financial Officer and Chief Sustainability Officer, Bajaj Finserv
Read the Full StatementAt Bajaj Finserv, we believe transformational impact comes from focused, strategic action. Guided by our Responsible and Sustainable Business Conduct Policy, we have identified eight priority areas aligned with our long-term ESG goals – areas where we can drive the greatest sustainable change and create lasting value for all stakeholders.
Conduct and govern business with integrity in an ethical, transparent, and accountable manner.
Provide access to relevant and affordable financial products and services that meet the needs of the larger society, empower underserved communities, and transform lives across the socio-economic landscape.
Adopt environmental leadership practices and processes that not only minimise operational impact but also contribute to India’s green transition and global climate goals.
Promote social welfare activities that drive inclusive growth, equitable development, and the well-being of communities.
Create a thriving, safe and inclusive workplace for employees and provide merit-based opportunities for professional development and growth.
Innovate/invest in products, technologies and processes that enhance customer experience and promote professional, fair and transparent dealings.
Adopt robust information security, cyber security and fraud controls.
Engage with relevant stakeholders to enhance sustainable and responsible business practices.
Upholding the highest standards of ethics, integrity and transparency through accountable leadership and robust governance practices.
Expanding equitable access to credit and financial solutions to empower individuals and enable inclusive economic progress.
Ensuring the confidentiality, integrity and resilience of systems and data through robust security measures and proactive fraud risk management.
Promoting responsible resource utilisation and actively reducing environmental impact to support a sustainable future.
Strengthening communities by fostering resilience and enabling inclusive growth, equitable development and Well-being of society.
Building strong, transparent relationships with stakeholders to drive collaboration and create shared long-term value.
Investing in people by nurturing talent, fostering diversity and inclusion, and enabling continuous growth and development.
Investing in products, technologies and processes that enhance customer experience and promote professional, fair and transparent dealings.
Strengthening financial resources to drive sustainable growth, resilience and long-term value creation.
Leveraging advanced phygital infrastructure to enhance operational efficiency, scalability and customer reach.
Harnessing data, technology and innovation to enable informed decision-making and build a sustainable competitive advantage.
Empowering people with the skills, capabilities and well-being programmes to drive performance, innovation and organisational excellence.
Cultivating trust-based relationships with stakeholders to strengthen reputation, enhance collaboration and sustain long-term success.
Promoting responsible environmental stewardship to sustain ecosystems, enable resilient operations and secure a sustainable future.
Rajeev Jain,
Vice Chairman and Managing Director, Bajaj Finance Ltd.
Our commitment to governance is anchored in transparency and accountability. An empowered and independent Board, fair treatment of customers, and disclosures that go beyond statutory requirements, have helped us earn the trust of our stakeholders and create long-term value. As we celebrate 100 years of trust, we remain committed to the principles of good governance on which enduring institutions are built.
V. Rajagopalan,
President - Legal and Taxation, Bajaj Finserv Ltd.
Ethics and integrity guide how we conduct business at every level. Our Code of Ethics and Personal Conduct rests on a simple principle: always do the right thing. Strong whistleblower and grievance‑redressal mechanisms, direct access to the Audit Committee, and our voluntary adoption of CII charters reflect standards that go beyond legal compliance and honour the trust placed in us.
HumanSustained profitability (PAT ₹9,801 crore) and strong capital adequacy enabled BFS to invest ₹~44 crore in learning and development, deliver 29 learning hours per employee, along with structured leadership programmes, diversity and inclusion initiatives and employee well-being programmes, strengthening productivity, workforce capability, engagement and retention.
Social and RelationshipStrong balance sheet and revenue growth funded CSR investments of ₹416 crore reaching 93 lakh beneficiaries and expanded financial inclusion initiatives, improving stakeholder trust, customer reach and social licence to operate.
Manufactured and IntellectualCapital deployment supported continued investments in expansion, digital platforms, AI-led servicing tools, automation, analytics capabilities and cyber security infrastructure, resulting in deployment of 65 AI bots, Tech ISO Certifications, zero cyber incidents, enhanced omnichannel access and improved service delivery metrics.
NaturalFinancial strength enabled an increased green financing portfolio of ₹13,250+ crore and a green insurance portfolio with a sum assured of ₹20.26 lakh crore. These, along with investments in renewable energy sourcing, digital paper-saving initiatives, and energy efficiency projects, support its journey towards carbon neutrality for Scope 1 and Scope 2 emissions by FY2032.
FinancialImproved employee productivity, engagement, and leadership depth have strengthened execution capabilities and decision-making, directly supporting 23% growth in AUM, 20% increase in revenue, improved cost efficiency and sustained profitability leading to 17% PAT growth. All growth figures are presented as five-year CAGR.
Social and RelationshipEnhanced employee capability contributed to employee engagement score of 86%, claims settlement ratio of 99.33% for Bajaj Life, improved customer retention and expanded financial inclusion and outreach.
Manufactured and IntellectualUpskilling in AI, analytics and cybersecurity supported adoption of digital platforms, automation tools and data-driven decision-making, contributing to zero cyber incidents.
NaturalEmployee engagement initiatives such as ESG awareness programmes, volunteering, and internal campaigns supported towards BFS’s sustainability journey.
FinancialImproved claims settlement ratios, customer satisfaction (NPS) and inclusive product offerings drove customer retention, cross-sell and increased AUM, supporting sustainable revenue growth.
HumanHigher customer satisfaction, strong brand reputation and inclusive workplace practices, supporting improved talent attraction, diversity hiring and employee engagement enables alignment with One Finserv vision.
Manufactured and IntellectualCustomer feedback, digital engagement channels and partner ecosystems informed enhancements in digital platforms, product innovation (e.g. tailored lending/insurance solutions) and service processes, improving user experience and operational efficiency.
NaturalStakeholder expectations and ESG-linked commitments accelerated green financing, community environmental programmes and adoption of sustainability-linked practices.
FinancialDigital channels processed 65% of customer transactions and AI-enabled servicing reduced turnaround times, improved cost-to-income ratios, disbursement efficiency and revenue growth.
HumanAdoption of digital tools and AI-enabled systems enhanced employee productivity and enabled development of digital and analytical skills across functions. AI led reskilling aids retention.
Social and RelationshipContinued innovation in products and service offerings including omnichannel platforms and paperless journeys improved customer onboarding, claims servicing and grievance redressal, contributing to CSAT of 92% for Q4 FY2026 and stronger customer loyalty.
NaturalDigitisation initiatives such as paperless onboarding, e-KYC and digital servicing reduced paper consumption by 720+ crore sheets of paper, saving an equivalent of 860,000+ trees during last three years.
FinancialGrowth in the green financing portfolio to ₹13,250+ crore, alongside a green insurance portfolio with a sum assured of ₹20.26 lakh crore, created new business opportunities driven by increasing customer demand for sustainable finance solutions, while energy efficiency initiatives contributed to cost optimisation.
HumanEnvironmental stewardship initiatives, including employee sustainability programmes, volunteering programmes, strengthened employee purpose, engagement and alignment with organisational ESG goals.
Social and RelationshipEnvironmental initiatives such as tree plantation drives, community environmental programmes, and responsible financing enhanced community resilience and stakeholder trust.
Manufactured and IntellectualFocus on sustainability led to adoption of energy-efficient infrastructure, green buildings, and eco-friendly mobility solutions, improving operational efficiency and reducing environmental footprint.
Anish Amin,President, Group Risk and Assurance, Bajaj Finserv Ltd.
Integrity is the pillar that everything else stands on. We work to make sure our values reflect in everyday decisions and practices across our businesses. A comprehensive risk management framework and sound internal controls help us anticipate concerns, act early and resolve them effectively. This institutional discipline enables us to grow sustainably.
A strong financial foundation underpins the Group’s resilience, supports strategic decision-making, and enables continued investment in growth opportunities across its businesses. This is driven by disciplined capital allocation, prudent risk management, and a continuous focus on maintaining financial strength.
Read MoreBuilt on a deep-rooted foundation of trust, inclusive impact, and shared value, Bajaj Finserv’s meaningful stakeholder engagement remains a critical enabler of long-term value creation. Guided by a strong sense of accountability, the Group proactively addresses stakeholder expectations through our core pillars:
Financial Inclusion
Reaching millions of Indians to provide accessible, reliable financial services.
Customer Centricity
Delivering sustainable, safe products and services while continuously improving quality.
Empowering Society
Driving meaningful community development and resilient social progress.
Tapan Singhel,
MD and CEO, Bajaj General Insurance Ltd.
Our vision of financial inclusion is not only about expanding access, but it is also about enabling every individual to live a life of dignity. Through government health and crop insurance schemes, we continue to extend a financial safety net to crores of farmers and underserved families. By combining innovation with care, we strive to solve real worries and bring more people under the ambit of insurance, helping build a resilient India.
Atul Jain,
Managing Director, Bajaj Housing Finance Ltd.
Entrepreneurship fuels economic growth and strengthens communities. By financing the self-employed, underserved customers and projects in micro-markets, we help transform ambition into enterprise and enterprise into self-reliance. Through our green building and affordable housing finance initiatives, we support responsible growth that creates lasting economic value while contributing to a more sustainable future.
Ganesh Mohan,
Managing Director, Bajaj Finserv Asset Management Ltd.
Customer centricity and fiduciary responsibility go hand in hand because we are entrusted with our investors’ savings. Guided by our distinctive INQUBE philosophy, which combines behavioural insights, information and quantitative rigour, we seek to deliver outcomes that are transparent, fair and aligned with investors’ long-term financial well-being.
Deepak Matai,
CEO, Bajaj Finserv Health Ltd.
True customer centricity means anticipating needs and responding with empathy and speed. In healthcare, we are building an integrated, technology-led ecosystem that makes quality care more accessible, affordable and seamless, from digital consultations to cashless treatment. Every product and process we design must answer one question: does it genuinely serve the patient and the customers.
Kurush Irani,
President, Group Corporate Social Responsibility, Bajaj Finserv Ltd.
We measure progress by the futures we help shape. From a child’s first day at school and a young person’s journey towards employability to empowering women and persons with disabilities, our work is about creating opportunity where it matters most. Through investment in child development and youth skilling, we aim to help build an equitable society.
Dr. N Srinivasa Rao,
Chief Economist and President, Corporate Affairs, Bajaj Finserv Ltd.
Social investment is among the most valuable investments a nation can make. India’s demographic dividend can translate into enduring growth only when its youth are equipped with employable skills and be an integral part of the growing economy and the underserved communities are made to involve meaningfully in the development process.
Our skilling and livelihood initiatives invest in human capital, helping raise incomes, widen employment opportunities, and create inclusive growth that multiplies across generations.
S. Sreenivasan,President, Insurance and Special Projects, Bajaj Finserv Ltd.Sustainability is integral to how we do business – from digital-first processes and operational efficiency to protecting the environment. As our footprint grows, we are decarbonising our operations through renewable energy and energy-efficient infrastructure, putting us firmly on the path to carbon neutrality while contributing to broader climate goals.
Sam Subramaniam,President - Private Equity and Group Strategy HeadEnvironmental considerations are integral to our investment decisions. We direct capital towards businesses that combine commercial potential with environmental responsibility – from technology-led enterprises that improve efficiency and reduce resource use to companies creating eco-friendly products. For us, investing in growth also means investing responsibly.
Anupam Sirbhaiya,Group Chief Human Resources Officer, Bajaj Finserv Ltd.We are a services business; people are at the core of everything we achieve. Across our companies, we are building workplaces where individuals feel valued, have opportunities to grow and can build meaningful careers. We invest in learning, grow talent from within, bring cutting edge technology to serve our people and create more opportunities for women across levels.
Tarun Chugh,MD and CEO, Bajaj Life Insurance Co. Ltd.Institutions endure because of the people who steward them. For decades, the Bajaj Group has developed leaders who combine professional excellence with strong ethics. By building deep expertise and entrusting talent with responsibility early, we have created a leadership bench with the depth and continuity to navigate economic cycles and lead through transformation.
Cyber Security, Data Privacy and Information Security
Anurag Chottani,Group Head—AI, Bajaj FinservAs custodians of customer information, protecting data is a fundamental responsibility. Our security architecture and data protection practices are built around confidentiality, consent and compliance. In an increasingly digital economy, we remain committed to ensuring that every interaction with Bajaj Finserv meets the highest standards of privacy and protection.
Ashish Panchal,MD and CEO, Bajaj Finserv Direct Ltd. (Bajaj Markets)At Bajaj Markets, we build trust in a financial marketplace through simpler product discovery, intuitive digital journeys, and stronger fraud awareness. This helps millions of consumers compare options, make informed, confident choices, and select solutions that best meet their needs.
Lakshmi Iyer,Group President, Investments and MD and CEO, Bajaj Alternate Investment Management Ltd.Transparent and consistent communication is key to building stakeholder trust. Through continuous engagement with customers, investors, lenders, regulators, partners, and our people, we share updates, listen to diverse perspectives, and use valuable feedback to strengthen our products, processes and decisions.
Manish Jain,Managing Director, Bajaj Financial Securities Ltd. (Bajaj Broking)An informed customer is an empowered customer. As India’s investor base expands, we are helping demystify markets, encourage prudent investing and enable more people to make thoughtful decisions. By widening access to investment knowledge, we help investors participate more confidently in India’s growth story.
Best AI and Automation in Marketing at MadX Awards 2025
Best NBFC in BFSI Sector for ‘Face Authentication’ by the Unique Identification Authority of India (UIDAI)
Best Large NBFC at the BT Best Banks Awards 2026
Won Gold at IAMAI 16th Digital Awards for Best AI-Powered Product/Service, highlighting AI-led innovation.
Social Media Marketing Strategy at the prestigious ET Brand Equity Trendies Awards 2025
Best Use of Emerging Technology in Marketing at MadX Awards 2025
Great Place to Work® (GPTW) recognition across six categories, strengthening employer brand and talent positioning.
Received marketing accolades for Best Use of AI/ML (Adgully) and Best Customer Experience Strategy (AFAQS! Bankfin 360), reflecting strong digital marketing and CX execution
Prestigious Brands of India 2025 in Investment Solutions category by Herald Global in September 2025
‘Best Housing Finance Company’ for FY2025 at Business Today India’s Best Bank Awards in February 2026
‘Best Data Quality Award’ for 2024-25 under housing finance company consumer segment by TransUnion CIBIL
Best AI Solution Showcase – Most Innovative Category at the Global AI Summit and CII National AI Awards 2025, organised by the Confederation of Indian Industry
Most Innovative Insurer – Life Category at the FICCI Insurance Industry Awards 2024 organised by Federation of Indian Chambers of Commerce and Industry in 2025
Best Innovation Led by Technology and Insurtech – Life (India) at the 6th Emerging Asia Insurance Awards 2025, organised by the Indian Chamber of Commerce
Claims and Customer Service Excellence – Life Category at the FICCI Insurance Industry Awards 2024 organised by Federation of Indian Chambers of Commerce and Industry in 2025
Insurer Innovation at the World’s Digital Insurance Awards 2025 for Smart Pitch, a GenAI-powered platform designed to empower sales professionals with personalised customer engagement capabilities
Awarded by Asia One
Awarded by the Government of India (Ministry of Agriculture & Farmers Welfare)
