Bajaj Finance Ka Toofani Q3: Core Profit **23%** Bhaga! Nayi AI Strategy Se Karega Future Par Raj!

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AuthorKavya Nair|Published at:
Bajaj Finance Ka Toofani Q3: Core Profit **23%** Bhaga! Nayi AI Strategy Se Karega Future Par Raj!
Overview

Bajaj Finance ke liye Q3 FY26 mein core business ne dhamaal machaya hai! Underlying profits mein **23%** ka zabardast jump aaya hai aur Assets Under Management (AUM) bhi **22%** badh gaye. Haalanki, kuch exceptional charges ke karan reported net profit thoda neeche dikh raha hai. Company ne apna LRS 2026-30 strategy bhi reveal kiya hai, jisme AI ka full power use hoga.

Core Business Ka Dhamaka!

Is quarter Bajaj Finance ne apne core operations mein solid performance dikhaya hai. Profit Before Tax (PBT) before exceptional items 23% saal-dar-saal badhkar ₹7,102 crore ho gaya, aur Profit After Tax (PAT) bhi 23% badhke ₹5,317 crore pahuncha. Is growth ka main reason hai 22% ka AUM expansion jo ₹4,85,883 crore tak pahunch gaya hai. Is quarter mein hi company ne ₹23,622 crore naye AUM add kiye hain. Net Interest Income (NII) bhi 21% badhkar ₹11,317 crore aur Net Total Income (NTI) 19% badhkar ₹13,875 crore raha.

Reported Profit Par Kyun Laga Thoda Break?

Agar reported figures dekhein toh PBT 6% girkar ₹5,431 crore aur PAT ₹4,066 crore raha. Iski wajah hai ₹1,406 crore ka accelerated Expected Credit Loss (ECL) provision aur gratuity liabilities ke liye ₹265 crore ka one-time charge. Lekin operational efficiency badhi hai, jahan operating expenses to NTI 32.8% ho gaya, jo pichle saal 33.1% tha. Annualised Return on Equity (ROE) sudhar kar 19.6% aur Return on Assets (ROA) 4.6% ho gaya.

Apni subsidiaries mein bhi achha performance raha: Bajaj Housing Finance Limited (BHFL) ka AUM 23% aur PAT 21% badha. Bajaj Financial Securities Limited (BFSL) ka AUM toh 63% aur PAT 74% cha gaya!

Asset Quality Aur Capital Ka Balance

Asset quality stable rahi hai, Gross NPA (GNPA) 1.21% aur Net NPA (NNPA) 0.47% par hai. Capital adequacy 21.45% (Tier-1: 20.60%) par robust hai, aur company ke paas ₹15,081 crore ka substantial liquidity buffer bhi hai. Ye exceptional provisions future growth ke liye balance sheet ko aur mazboot karne ke liye hain.

Nayi AI Strategy: LRS 2026-30

Bajaj Finance ne apna ambitious Long-Range Strategy (LRS) 2026-30 unveil kiya hai. Iska main focus hai AI ko har jagah use karna taaki company India ki sabse low-risk financial services entity bane, technology mein leader ho aur customer-centricity par focus kare. Target hai ki 2030 tak customer base 200-220 million ho jaye aur Product Per Customer (PPC) 6.5-7.5 tak pahunch jaye. Technology mein AI use karke 160-180 million App installs aur 3.5-4.5 billion web visitors ka target hai FY30 tak. Risk management mein bhi AI ka istemal hoga, GNPA ko 1.2% aur NNPA ko 0.4% se neeche rakhne ka aim hai.

Future Outlook

Long-term guidance kaafi aggressive hai: AUM 25-27% CAGR se badhega, profit 23-24% CAGR se badhega. ROA 4.3-4.7% aur ROE 19-21% ka target hai. FY26 mein company 17-18 million naye customers add karne ki ummeed kar rahi hai.

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