Report 2025-26
Highlights of Our ESG Initiatives
Our Goals FY2026 FY2025
Adequate Liquidity and Solvency for Regulated Entities (BFL, BHFL, Bajaj General and Bajaj Life) Significantly higher Capital maintained than the regulatory requirements across all companies. Surplus capital of ₹45,083 crore in FY2026 Significantly higher Capital maintained than the regulatory requirements across all companies. Surplus capital of ₹48,950 crore in FY2025
Responsible Investment across Bajaj General and Bajaj Life Coverage is more than 95% against a target of 80% Coverage is around 90% against a target of 80%
BFL New-to-Credit Customers1 300+ lakh 260+ lakh
Farmers Covered under Crop Insurance by Bajaj General 0.95 crore farmers 1.97 crore farmers
Farmers Benefited through Crop Insurance Schemes 9.13 lakh with claims of ₹728 crore 23.63 lakh with claims of ₹1,515 crore
BFL Micro Finance (MFI) Branches 447 418
Social Sector Obligations for Bajaj Life and Bajaj General (against mandated 10%) Bajaj Life: 13.4%2Bajaj General: 37% Bajaj Life 15.8%Bajaj General: 12%
Women Insurance Agents Bajaj General: ~23%, Bajaj Life: 33% Bajaj General: 22%, Bajaj Life: 33%
Group Lending MFI Loans to Women by BFL 7.40+ lakh women 3.45+ lakh women
Lives Covered by Bajaj Life in MFI Segment and through Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) MFI - 1.22 crore
PMJJBY - 1.48 lakh		 MFI - 1.34 crore
PMJJBY - 2.35 lakh
Lives Covered by Bajaj General through Integration with Government Health Schemes 4.91 crore 2.23 crore
Facilitating Sustainable Income Generation 1.50 lakh – 3 wheelers insured; ~23,000 loans for tractors; 4,778 tractors insured 1.16 lakh – 3 wheelers insured; ~15,500 loans for tractors; 4,386 tractors insured
Energy Intensity (GJ per crore of Total Consolidated Income from operations adjusted for PPP) 47.62 50.29
Green Financing and Insurance by BFL and Bajaj General EV Insurance (GWP): ₹239.49 crore
EV Lending: 3+ lakh Loans; Renewable Power Insurance (18,466 policies, ₹1,214 crore GWP)		 EV Insurance (GWP): ₹211.51 crore;
EV Lending: 79,000+ Loans; Renewable Power Insurance (5,826 policies, ₹80 crore GWP)
Renewable Power – Wind Power Generation 9.04 crore units 8.4 crore units
Renewable Power – Solar Power Installed: 757 kW
Generation: 3.77 lakh units		 Installed: 757 kW
Generation: 3.2 lakh units
Sapling Plantation 2+ lakh saplings 2 lakh saplings
Carbon Footprint – GHG Intensity (tCO2e per crore of Total Consolidated Income) (Total Scope 1 and Scope 2 emissions/turnover in crore) 0.41 0.44
Responsible Disposal of E-waste (metric tonnes) 8.98 8.34
CSR Expenditure ₹416 crore ₹335.73 crore
Number of CSR Beneficiaries 93 lakh 41 lakh
Impact Assessment (number of projects) 34 26
Youth Skilled 3.04 lakh
(PWD: 23,047; Women: 174,954 )		 2.24 lakh
(PWD: 11,792; Women: 19,288)
Youth Benefited through Skilling Grants 2.53 lakh 1.77 lakh
Consumer Complaints 27,7643 12,985
Bajaj Life: Retail Claim Settlement Ratio % 99.33% 99.29%
Claims Paid by Bajaj General MSME: ₹540 crore
Cattle: ₹95.49 crore
Crop: ₹728 crore		 MSME: ₹321 crore
Cattle: ₹146.34 crore
Crop: ₹1,515 crore
Total Women Hired 17.46% 16.63%
Gender Diversity Ratio ~14% 13.52%
Human Capital – Upskilling Training 105,476 employees ~97,000 employees
BRSR Assurance Reasonable (Mandatory) and Limited (Voluntary) Reasonable (Mandatory) and Limited (Voluntary)

Note 1: Represents the cumulative number of new-to-credit customers (260+ lakh in FY2025 and 300+ lakh in FY2026) over a six-year period concluding at the end of each respective fiscal year.

Note 2: Social Sector Obligations exceeded the regulatory mandate of 10%. Reduction in social sector coverage was primarily driven by lower micro-insurance volume during FY2026.

Note 3: In lieu of 'Reserve Bank of India (Non-Banking Financial Companies - Internal Ombudsman) Directions, 2026', issued on 14 January 2026, the definition of complaint has been modified to also include alleged deficiency in service on the part of NBFC as a complaint. Thus, the previous year's details are not comparable.