Bajaj Finance Limited reported strong financial performance for FY2026 with consolidated AUM growth of 22% to ₹509,975 crore and PAT growth of 15% to ₹19,332 crore. The company maintained robust capital adequacy at 21.55% with gross NPA of 1.01% and net NPA of 0.41%. Standalone performance showed total income of ₹69,853.95 crore and net profit of ₹17,803.87 crore with basic EPS of ₹28.65.
The company has convened its 39th Annual General Meeting on 30 July 2026 via video conference to seek shareholder approval for several resolutions including adoption of financial statements, declaration of final dividend of ₹6 per share, re-appointment of directors, approval of material related party transactions with Bajaj Housing Finance Limited aggregating ₹18,152 crore, and increase in borrowing limit to ₹550,000 crore.
Corporate governance compliance was confirmed with full adherence to SEBI LODR Regulations, Companies Act 2013, and RBI guidelines. The Board met 8 times during the year with various committees overseeing audit, risk management, nomination and remuneration, and other governance aspects. CSR spending reached ₹318.81 crore focusing on youth skilling, disability inclusion, and education impacting over 2.6 million beneficiaries.
ESG performance was independently assured by SGS India with comprehensive disclosures including Scope 1 emissions of 6,665.65 MT CO2e, water consumption of 1,554,703.65 KL, and gender diversity metrics showing 6.38% female wage ratio. The company handled 489 whistleblower complaints and 8 POSH complaints during the year.
Risk management framework demonstrated strong oversight with full hedging of ₹20,600 crore ECB exposure through derivatives, ECL provisioning of ₹9,566 crore covering 2.54% of the ₹376,792.12 crore loan book, and liquidity coverage ratio maintained at 128.38%. Foreign currency sensitivity analysis showed 5% INR/USD movement would impact OCI by ₹1,164.52 crore.
Employee stock option plans remained active with 56.9 million options outstanding and ₹394 crore expense recognized during the year. The company maintained AAA/Stable credit ratings from all major agencies with S&P upgrading to BBB/Stable/A-2. Total consolidated assets crossed ₹502,063 crore with loans and advances at ₹473,186 crore and borrowings of ₹435,112 crore.
The financial statements were audited by Price Waterhouse LLP and Kirtane & Pandit LLP who issued unmodified opinions confirming compliance with Indian Accounting Standards and adequate internal financial controls. No material defaults in repayment of loans or borrowings were reported, and the company confirmed compliance with all applicable regulatory requirements.