NBFCs ka AI Game! Bajaj Finance, L&T Finance, Tata Capital laga rahe hain tech mein paisa

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AuthorAnanya Iyer|Published at:
NBFCs ka AI Game! Bajaj Finance, L&T Finance, Tata Capital laga rahe hain tech mein paisa
Overview

Bhai log, suno! India ke bade NBFCs, jaise Bajaj Finance, L&T Finance aur Tata Capital, AI aur GenAI ko apni operations mein daal rahe hain. Customer ko pakadne se lekar paisa collect karne tak, sab jagah tech ka use ho raha hai taaki kaam speed se ho aur business badhe.

Dekho yaar, yeh jo Non-Banking Financial Companies (NBFCs) hain na, Bajaj Finance, L&T Finance, Tata Capital jaisi badi players, yeh log AI aur GenAI mein paisa laga kar apna game change kar rahe hain. Yeh sirf cost cutting ke liye nahi hai, balki market mein sabse aage rehne aur naya revenue banane ka strategy hai. Jo companies tech mein invest nahi kar paengi, woh peeche reh jayengi.

Numbers toh dekho!

Bajaj Finance, jiski market cap ₹6.30 lakh crore hai aur P/E hai 34.6, yeh log 20 million calls analyze kar rahe hain. Isse 500,000+ customers ke liye 100,000 naye offers nikle hain, jismein ₹1,600 crore ka loan distribution AI call center se ho gaya hai. Aur ₹325 crore toh sirf call data se aaye hain! Inka target hai saal mein 100 million calls tak pahunchna aur 26 products mein bots lagana 2026 tak, aur 800 autonomous agents FY27 mein.

L&T Finance, jiska valuation ₹74,519 crore hai aur P/E 26.25, yeh Project Nostradamus aur Project Helios jaise AI tools use kar rahe hain. Project Helios ne 5,000 underwriting cases handle kiye hain, jisse kaam 30% fast ho gaya aur 1.5 ghante per case bach gaye. Tata Capital, jiski market cap ₹1.51 lakh crore aur P/E 34.06 hai, woh AI underwriting co-pilots aur credit memos bana rahe hain taaki kaam tezi se ho aur risk manage ho sake.

Tech Ka Gap

Par sab companies ek jaisi nahi hain. Sirf 21% financial institutions ne AI use karna shuru kiya hai, woh bhi mostly badi companies ne. Choti NBFCs aur banks ke paas data, skilled log aur IT budget ki kami hai. Isliye, AI se loan approval dinon se minuteon mein ho raha hai, par yeh fayda sirf tech-savvy companies ko mil raha hai.

Bajaj Finance ka AUM ₹4.44 lakh crore hai, jo competitors se kaafi zyada hai. L&T Finance ka share price ₹297.65 ke aas paas hai, aur Bajaj Finance ₹1012.70 par trade kar raha hai. Tata Capital ₹355 par hai, aur bade players ke saamne yeh bhi apna position bana raha hai.

Khatre Bhi Hain

AI bahut achha hai, par iske apne risks hain. Algorithmic bias aur fairness ko monitor karna hoga. Bade players ke paas zyada tech hone se market mein competition kam ho sakta hai. Aur AI systems ko hack hone ya data leak hone ka dar bhi hai.

Aage Kya?

AI ka use NBFC sector mein competition ko aur badhayega. Bajaj Finance, L&T Finance, Tata Capital jaise players ab aur personalized services, better risk management aur super-efficient operations de payenge. Analysts bhi Bajaj Finance par 'Buy' rating de rahe hain, jo AI adoption mein unke confidence ko dikhata hai.

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