Bajaj Finance Payments: FY29 Tak Break Even Ka Target, Fintech Mein Kahaani Alag Hogi!

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AuthorKavya Nair|Published at:
Bajaj Finance Payments: FY29 Tak Break Even Ka Target, Fintech Mein Kahaani Alag Hogi!
Overview

Arre yaar, Bajaj Finance ne apne payments business ka game plan ekdum change kar diya hai! Inka target hai ki fiscal year **2029** tak yeh division break even ho jaaye, matlab jitna kharcha utna revenue. Competition bahut tight hai, isliye ab inka focus naye products launch karne se zyada existing cheezon ko better banane aur customers ki jeb mein zyada paisa kharch karane (share of wallet) par hoga.

Payments Ki Profitability Ka Chakkar!

Bajaj Finance ne samajh liya hai ki sirf launch karte rehne se fayda nahi, paisa kamana zaroori hai. Isliye, FY29 tak break even ka target rakha hai. MD Rajeev Jain ne bataya ki payments sector mein karcha bahut zyada hai aur profit kamana mushkil. Isliye ab company 'open system' se 'closed door system' par shift ho rahi hai. Isse competitive edge milega aur payments se revenue badhega.

Competition Aur Strategy Mein Badlav

India ka fintech market already full of competition hai. PhonePe aur Google Pay jaise players UPI transactions mein sabse aage hain, par woh bhi paisa nahi kama rahe. Paytm profit mein hai kyunki woh lending aur wealth management bhi deta hai. Bajaj Finance bhi ab isi tarah customer ke liye ek hi jagah sab kuch provide karne par focus karega. Sirf naye products launch karne ke bajaye, existing 43 offerings ko improve kiya jayega. Ek naya car financing product April mein launch hone wala hai.

Stock Ka Kya Scene Hai?

Pichle saal stock thoda down tha, around -6.72% gira tha, aur March 20, 2026 ko ₹830.55 ke aas paas trade kar raha tha. Lekin investors ka interest abhi bhi high hai, roz average 14.88 million shares trade hote hain. Analysts ka kehna hai ki yeh stock ₹1,076.89 se ₹1,150.00 tak ja sakta hai, matlab 41% tak ka upside mil sakta hai. Market cap around ₹5.40 lakh crore hai aur P/E ratio 28-35 ke beech hai.

Risks Aur Future Ki Planning

Competition zaroor ek bada risk hai. Nayi car product launch ki execution aur overall strategy kitni successful hoti hai, yeh bhi dekhna hoga. Recent leadership changes bhi hain, jaise MD Anup Saha ka resignation. Plan hai ki 120 million customers ko badha kar 200 million tak le jaana hai. AUM (Assets Under Management) 25% year-on-year badh kar ₹4,41,450 crore ho gaya hai Q1 FY26 mein. Overall, company ke fundamentals strong hain aur lending business bhi grow kar raha hai.

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