Shriram Finance Ka MUFG Deal: Bajaj Finance Ke Liye Badi Chinta? Check Karo Q3 Results!

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AuthorAarav Shah|Published at:
Shriram Finance Ka MUFG Deal: Bajaj Finance Ke Liye Badi Chinta? Check Karo Q3 Results!
Overview

Bhaiyo aur Behno, Shriram Finance ne ek game-changer deal ki hai! Japan ki MUFG Bank ne **₹39,617 crore** invest kiye hain, jisse Shriram Finance ab Bajaj Finance ko aur bhi tagdi takkar dega. Dono companies ne December 2025 quarter mein badhiya loan growth dikhaya hai, lekin unke profit ke reasons alag hain. Shriram ne apni retail lending se Net Interest Margin (NIM) badhaya, jabki Bajaj Finance ne zyada provisions ke baad bhi solid profit growth dikhaya. Competeion aur tez ho gaya hai!

MUFG Ka Entry: Shriram Finance Ko Mili Power!

Socho, Shriram Finance mein Japan ke MUFG Bank se ₹39,617 crore aa gaye! Ye paisa sirf capital nahi hai, balki global level ka endorsement hai jo Shriram ko India ki sabse badi NBFC, Bajaj Finance, ke saamne aur mazboot banata hai. Aur ye sab tab hua jab dono companies ne FY26 ke December quarter mein kamaal ka performance dikhaya hai. Ye dikhata hai ki NBFC sector mein growth ke mauke toh hain, bas strategies thodi alag hain.

Shriram Finance: Retail Se NIM Ka Dhamaka!

Shriram Finance ka loan book FY26 ke teesre quarter mein 14.6% badhkar ₹2.91 lakh crore ho gaya. Isme sabse zyada contribute kiya farm equipment financing mein 37.5% aur passenger vehicle loans mein 21.8% ki tezi ne. Company ne smart tareeke se retail lending par focus kiya, jiski wajah se unka Net Interest Margin (NIM) 8.58% par bana raha. Ye RBI ke interest rates kam karne ke efforts ke beech bhi ek accha buffer hai. MUFG Bank ke saath ye partnership, jismein woh 20% stake kharid rahe hain, Shriram ko growth ke liye energy aur international expertise dega. Is deal ka asar turant dikha, aur 3rd February 2026 ko subah shuruati trading mein stock 5% upar ₹1,012 par pahunch gaya.

Bajaj Finance: Provisions Ke Baad Bhi Solid!

India ki sabse badi NBFC, Bajaj Finance, ne loan book mein 22% ki growth dikhayi, jo ab ₹4.85 lakh crore ho gaya hai. Commercial vehicle, tractor, car financing aur general commercial lending mein bhi unki performance acchi rahi. Unhone apna NIM reveal nahi kiya, lekin net interest income 21% badhkar ₹11,317 crore ho gaya. Haan, unka consolidated net profit 5.5% kam hokar ₹4,066 crore raha, iska reason tha ₹3,625.5 crore ke impairment aur ₹1,406 crore ki expected credit losses (ECL) ke liye ki gayi extra provisions. Lekin, agar ye one-time charges hata dein, toh profit after tax 23% badha hai! Ye conservative approach future risk ko manage karne ke liye achha mana ja raha hai. Is news ke baad 3rd February 2026 ko Bajaj Finance ka stock bhi 6.7% tezi dikha kar ₹964.5 par pahunch gaya.

Asset Quality Aur Valuation Ka Fark

Asset quality ke maamle mein Bajaj Finance abhi bhi aage hai, jiska net NPA ratio sirf 0.47% hai. Shriram Finance ka net NPA ratio 2.38% ho gaya hai, jo pichhle saal se behtar hai. Shriram Finance ka standalone Price-to-Book Value (P/BV) 3.1x aur Price-to-Earnings (P/E) 20.8x hai. Wahi, Bajaj Finance ka consolidated P/BV 5.8x aur P/E 32.8x hai. MUFG deal ke baad Shriram Finance ke valuation mein bhi sudhar hone ki ummeed hai, shayad ye gap kam ho sakta hai.

Aage Kya Ho Sakta Hai?

NBFC sector mein abhi aur bhi growth ki ummeed hai, kyunki RBI credit growth ko support kar rahi hai aur interest rates bhi supportive hain. US ke saath naye trade deals bhi Indian economy ko boost de sakte hain, jisse lending ke aur mauke banenge. Bajaj Finance ne already ₹5,120 crore raised kiye hain apni expansion ke liye. Shriram Finance bhi apna growth fund karne ke liye debt issues explore kar raha hai. Investors ab dekh rahe hain ki Shriram Finance, MUFG ke support se kaise Bajaj Finance ko takkar deta hai aur market mein apni position mazboot karta hai.

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