Bajaj Finance ka ₹5 Lakh Crore AUM Milestone! Par Stock Kyun Gira? Investors Ka Tension Badha!

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AuthorVihaan Mehta|Published at:
Bajaj Finance ka ₹5 Lakh Crore AUM Milestone! Par Stock Kyun Gira? Investors Ka Tension Badha!
Overview

Lo bhai, Bajaj Finance ne ek aur bada milestone paar kar liya hai! Inka Assets Under Management (AUM) ₹5 lakh crore ke paar pahunch gaya hai, jo last year se **22%** zyada hai. Loan booking bhi badhi hai, par stock price thoda gir raha hai aur deposit book bhi shrink hui hai, jisse investors thode confused hain.

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AUM Aur Loan Growth: Numbers toh ekdum solid!

Bajaj Finance ne 31st March 2026 tak apna AUM ₹5 lakh crore ke upar pahuncha diya hai. Puraan se compare karein toh yeh 22% ka jump hai. Ye kaise hua? Toh is quarter mein inki nayi loans ki booking 20.5% badh gayi, jisse total 12.89 million loans book hui. Customer base bhi badh kar 119.33 million ho gaya hai, jismein last quarter mein 3.93 million naye customers add hue.

Stock Mein Kyun Giraavat? Deposit Book Ka Kya Scene Hai?

Itne acche business numbers hone ke baad bhi, stock ka performance thoda theek nahi lag raha. Pichhle ek saal mein stock 3.56% gir gaya hai. Aur ek badi chinta ki baat yeh hai ki company ki deposit book kam ho gayi hai. March 2026 tak yeh ₹68,550 crore ho gayi, jo pichhle saal ₹71,403 crore thi. Matlab funding ka scene thoda tight ho sakta hai.

Valuation Premium Aur Analysts Ka Kya Kehna Hai?

Bajaj Finance ka market cap around ₹5.14 trillion se ₹5.40 trillion ke beech hai. Iska P/E ratio 27.35x se 29.32x ke aas paas hai, jo NBFC sector ke average 18.75x se kaafi zyada hai. Analysts toh abhi bhi stock ko 'Outperform' keh rahe hain aur target ₹1,059 ke aas paas de rahe hain, matlab abhi bhi 28% ka upside dikha rahe hain current price ₹826.85 se. Lekin stock pichhle ek mahine mein 15% aur teen mahine mein 13% gir chuka hai, jo Sensex se bhi outperform nahi kar raha.

Aage Ka Outlook Kya Hai?

Experts ko umeed hai ki Bajaj Finance ka earnings 19.1% aur revenue 26.1% saal-dar-saal badhega. Return on Equity bhi 21.4% tak ja sakta hai. AUM 24%, NII 22%, aur earnings 27% ke CAGR se grow kar sakte hain FY27-28 mein. Matlab, short-term problems ke bawajood, long-term mein company ka future accha dikh raha hai, agar funding aur asset quality manage ho gayi toh.

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Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.