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Bajaj Finserv
Bajaj Finserv (BAJAJFINSV) investor relations material
Bajaj Finserv Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary5 Feb, 2026
Executive summary
Consolidated total income for Q3 FY26 grew 24% year-over-year to ₹39,708 crore; adjusted profit after tax before exceptional items rose 32% to ₹2,936 crore, but reported PAT was flat at ₹2,229 crore due to one-time charges from accelerated ECL provision and New Labour Codes.
The group completed the acquisition of Allianz SE's 23% stake in its insurance subsidiaries, increasing its holding to 75.01% in both Bajaj General and Bajaj Life, and initiated a buyback for the remaining 3%.
Bajaj Finance’s customer franchise grew by 4.76 million and new loans booked reached 13.90 million in Q3 FY26.
Major one-time items included an accelerated ECL provision of ₹1,406 crore and a ₹379 crore charge for New Labour Codes, with a net profit impact of ₹540 crore and ₹167 crore, respectively.
Financial highlights
Q3 FY26 consolidated profit after tax before one-time items was ₹2,936 crore, up 32% year-over-year; adjusted PAT up 13% including realized equity gains.
Bajaj Finance AUM up 22.1% to ₹485,883 crore; PAT before exceptional items up 23.3% to ₹5,227 crore.
Bajaj Housing Finance AUM up 23.2% to ₹133,412 crore; PAT before exceptional items up 23.2% to ₹675 crore.
Bajaj General Insurance gross written premium up 12% to ₹7,389 crore; adjusted PAT up 8% to ₹430 crore; combined ratio improved to 97.9%.
Bajaj Life Insurance gross written premium up 23.5% to ₹7,854 crore; VNB up 59% to ₹405 crore; new business margin at 19%.
Bajaj Finserv AMC AUM reached ₹30,250 crore as of 31 December 2025, fastest in industry.
Outlook and guidance
Expectation of resumed revenue growth for Bajaj Markets from Q4 as software migration completes.
Credit cost outlook for FY2027 is optimistic, with improved portfolio quality and robust risk management.
Bajaj Life expects continued positive margin trajectory, with GST impact largely mitigated by March; margin expansion and VNB growth to taper but remain positive.
AMC to expand into alternatives and PMS by FY27, subject to regulatory approvals.
Focus remains on strengthening balance sheet resilience and growing emerging businesses.
Net PAT impact of Q3 one-offs?
Bajaj Life VNB margin outlook?
Bajaj Finserv AMC's future growth strategy?
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Next Bajaj Finserv earnings date
Q4 25/2624 Apr, 2026
Bajaj Finserv
Next Bajaj Finserv earnings date
Q4 25/2624 Apr, 2026
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Frequently asked questions
Bajaj Finserv Limited is engaged in the business of lending and investing financial services. The Company operates through three segments: Lending, General Insurance and Wealth Management. The Lending segment includes loans to micro, small and medium enterprises, corporate loans, home loans, personal loans and machinery loans. The General Insurance segment includes general insurance, health insurance and motor insurance. The Wealth Management segment offers mutual fund services.
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