	C 2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	C 2016 Mar 31	C 2017 Mar 31	C 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Premiums Earned	-	2,924	3,493	3,832	10,055	11,059	16,426	19,857	24,499	25,760	31,430	35,913	46,323	55,462	63,134
Net Investment Income	-	3,892	4,989	6,530	256	8,991	13,780	18,838	26,565	27,021	31,427	40,287	53,951	67,624	80,175
Total Revenue	2	8,036	9,501	11,314	20,534	24,485	32,863	42,606	54,351	60,592	68,756	83,731	1,08,846	1,34,982	1,50,504
Insurance Claims/Reserves - Total	3	2	7	116	8,066	9,676	14,413	17,485	21,387	24,695	28,109	30,247	41,649	48,948	51,885
Total Operating Expenses	780	4,125	5,037	5,838	13,852	15,844	21,199	26,223	32,592	35,609	42,780	49,830	65,970	77,798	85,572
Operating Profit	-778	3,912	4,464	5,476	6,681	8,641	11,663	16,382	21,760	24,983	25,976	33,901	42,876	57,183	64,931
Operating Margin	-44,991.3	48.7	47.0	48.4	32.5	35.3	35.5	38.5	40.0	41.2	37.8	40.5	39.4	42.4	43.1
Profit before Taxes	2,475	2,708	2,902	3,246	3,804	4,925	6,099	8,155	8,302	9,862	11,271	16,811	21,375	23,748	26,883
Income Taxes	336	494	710	842	1,030	1,475	1,922	2,781	2,308	2,495	2,957	4,602	5,780	6,191	7,214
Profit after Tax	1,586	1,574	1,544	1,690	1,863	2,262	2,650	3,219	3,369	4,470	4,557	6,417	8,148	8,872	9,801
PAT Margin	91,698.3	19.6	16.3	14.9	9.1	9.2	8.1	7.6	6.2	7.4	6.6	7.7	7.5	6.6	6.5
EPS - Basic - ex Extraordinary Items	11.25	10.30	9.70	10.62	11.71	14.21	16.65	20.23	21.17	28.09	28.63	40.33	51.15	55.61	61.30
EPS - Diluted - ex Extraordinary Items	9.49	10.30	9.70	10.62	11.71	14.21	16.65	20.23	21.17	28.09	28.63	40.00	50.66	55.05	61.00
EBIT	-778	3,912	4,464	5,476	6,681	8,641	11,663	16,382	21,760	24,983	25,976	33,901	42,876	57,183	64,931
EBITDA	-763	3,971	4,495	5,514	6,739	8,714	11,823	16,607	22,216	25,480	26,538	34,578	43,775	58,353	66,223
EBITDA Margin	-44,110.4	49.4	47.3	48.7	32.8	35.6	36.0	39.0	40.9	42.1	38.6	41.3	40.2	43.2	44.0

Balance Sheet

Abridged

Understanding Balance Sheet

Bajaj Finserv Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	R 2013 Mar 31	R 2014 Mar 31	R 2015 Mar 31	R 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Total Receivables	13,570	7,890	11,129	15,589	21,646	4,005	3,991	4,946	5,818	5,898	6,534	15,139	7,122	10,436	9,756
Property Plant & Equipment - Net	622	757	801	796	809	873	953	1,199	2,169	2,103	2,365	2,937	3,827	4,280	4,614
Total Assets	59,462	65,379	74,391	88,240	1,03,962	1,32,388	1,61,562	2,08,549	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232	7,58,498
Insurance Reserves - Total	5,654	8,769	12,589	15,324	17,782	-	-	-	-	-	-	-	-	-	-
Long Term Debt	6,383	7,361	10,300	17,931	24,549	32,565	45,586	63,880	76,122	76,079	94,650	1,20,401	1,65,034	2,09,641	3,61,379
Total Liabilities	52,381	54,679	61,538	73,050	84,694	1,09,112	1,30,305	1,71,975	2,00,523	2,21,870	2,67,399	3,27,911	4,34,154	5,23,797	6,17,532
Total Shareholders' Equity	5,099	7,801	9,311	10,965	13,391	16,100	20,483	23,766	31,301	35,830	40,247	46,407	60,329	72,395	77,915
Minority Interest	1,983	2,899	3,542	4,226	5,877	7,176	10,774	12,808	19,560	22,464	26,073	31,191	43,447	56,039	63,051
Total Equity	7,082	10,700	12,853	15,190	19,268	23,275	31,257	36,574	50,861	58,294	66,320	77,598	1,03,776	1,28,434	1,40,965
Total Liabilities & Equity	59,462	65,379	74,391	88,240	1,03,962	1,32,388	1,61,562	2,08,549	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232	7,58,498

Cash Flow

Abridged

Understanding Cash Flow Statement

Bajaj Finserv Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	R 2013 Mar 31	R 2014 Mar 31	R 2015 Mar 31	R 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	-3,849	-6,922	-9,790	-10,731	-9,795	-	-	6,562	11,275	8,579	14,416	16,101	18,298	24,726	34,752
Working Capital - Increase/(Decrease)	-	-	-	-	-	-	-	-29,776	-30,313	965	-42,717	-49,446	-79,998	-80,280	-82,471
Net CF from Operating Activities	-3,849	-6,922	-9,790	-10,731	-9,795	-10,922	-19,580	-23,214	-19,038	9,544	-28,301	-33,345	-61,701	-55,553	-47,719
Capital Expenditures - Net	-	-	-	-	-	-	-	569	870	452	750	1,123	1,312	1,715	1,318
Net CF from Investing Activities	-887	2,953	3,908	3,709	-886	151	-922	-10,766	-14,279	-8,681	-3,924	-20,080	-17,933	-14,547	-20,218
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	182	559	83	400	745	1,183	1,542	1,848
Stock - Issuance/(Retirement) - Net	-	-	-	-	-	-	-	58	8,568	103	173	227	9,169	515	-1,813
Debt - LT & ST - Issuance/(Retirement) - Total	-	-	-	-	-	-	-	29,487	18,767	-2,580	27,769	37,979	59,998	54,230	72,655
Net Cash Flow from Financing Activities	3,803	4,592	6,521	6,839	11,602	12,513	19,590	34,535	34,479	1,687	32,326	51,016	82,709	70,191	66,610
Free Cash Flow to Equity	-	-	-	-	-	-	-	5,704	-1,141	6,512	-1,282	3,511	-3,015	-3,038	23,619
Free Operating CF net dividend	-3,849	-6,922	-9,790	-10,731	-9,795	-	-	-24,043	-20,477	8,991	-29,611	-35,310	-64,320	-58,958	-51,015
Free Operating CF	-3,849	-6,922	-9,790	-10,731	-9,795	-	-	-23,860	-19,918	9,073	-29,211	-34,566	-63,136	-57,417	-49,167

Business Segment Analysis

FY End:

Mar 25

Bajaj Finserv Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail Financing (34.3%)₹ 69,724.78 CrRetail Finance (33.9%)₹ 69,040.06 CrInsurance (31.2%)₹ 63,446.07 CrInvestment and Others (0.6%)₹ 1,313.71 CrWindmill (0.0%)₹ 22.28 Cr

Assets

Retail Finance (71.4%)₹ 4,65,084.55 CrInsurance (28.1%)₹ 1,83,064.17 CrInvestment and Others (0.4%)₹ 2,796.33 CrUnallocable (0.0%)₹ 51.84 CrWindmill (0.0%)₹ 33.18 Cr

Regional Segment Analysis

Bajaj Finserv Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Bajaj Finserv Ltd.

Historical Segment Analysis

Track how Bajaj Finserv Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2010 Mar 31	2011 Mar 31	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31

Insurance	182	88	157	166	65	32	24	82
Investment and Others	37	3	2	0	2	1	2	0
Retail Finance	0	64	52	57	74	66	95	148
Windmill	0	0	0	0	0	8	0	0

Frequently Asked Questions

What is the revenue of Bajaj Finserv Ltd.?

The latest trailing twelve month revenue of Bajaj Finserv Ltd. is ₹ 1,50,504.00 Cr, reflecting a 1-year growth of 11.50% and a 3-year CAGR of 21.59%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Bajaj Finserv Ltd.?

The latest trailing twelve month net profit (PAT) of Bajaj Finserv Ltd. is ₹ 9,800.97 Cr, with a 3-year earnings CAGR of 15.10%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Bajaj Finserv Ltd.?

The trailing twelve month EBITDA of Bajaj Finserv Ltd. is approximately ₹ 64,931.34 Cr (based on an operating margin of 43.14%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Bajaj Finserv Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Bajaj Finserv Ltd. is 61.00. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Bajaj Finserv Ltd.?

The debt-to-equity ratio of Bajaj Finserv Ltd. stands at 4.64. The interest coverage ratio is 2.30x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Bajaj Finserv Ltd.?

The estimated book value per share of Bajaj Finserv Ltd. is 497.81 (derived from a P/B ratio of 3.81 and market price of ₹ 1,897.30), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Bajaj Finserv Ltd.?

The trailing twelve month operating cash flow of Bajaj Finserv Ltd. is ₹ -47,718.70 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Bajaj Finserv Ltd. report consolidated or standalone financials?

Bajaj Finserv Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.