Date: 7 July 2026

Company Overview

Bajaj Finance Limited is engaged in financial and insurance services accounting for 98.70% of turnover, specifically:

  • Non-Banking Finance Company lending and allied activities: 85.18% of turnover
  • Housing Finance (home loan, loan against property, construction funding): 13.52% of turnover

Operations and Market Presence

  • Operations across 4,098 offices in India (no international operations)
  • Presence in 27 States and 6 Union Territories
  • Customer franchise: 119.33 million with 17.51 million new customers acquired in FY2026
  • 242,000+ active distribution points
  • 2,571 locations in rural and semi-urban areas

Employee Statistics

Total Employees: 155,369

  • Permanent employees: 71,613 (Male: 67,041, Female: 4,572, Others: 0)
  • Other than permanent: 83,756 (Male: 75,147, Female: 8,608, Others: 1)
  • Gender distribution: Male 91.52%, Female 8.48%, Others 0.00%
  • Differently abled employees: 77 (Permanent: 25, Other than permanent: 52)

Turnover Rates (FY2026):

  • Permanent employees: Male 18.70%, Female 18.11%, Total 18.66%

Board and KMP Representation:

  • Board of Directors: 10 total, 1 female (10%)
  • Key Management Personnel: 3 total, 0 female (0%)

Group Structure

Holding/Subsidiary/Associate Companies:

  • Bajaj Finserv Limited (Holding Company): 51.32% shareholding
  • Bajaj Housing Finance Limited (Subsidiary): 86.70% shareholding
  • Bajaj Financial Securities Limited (Subsidiary): 100.00% shareholding
  • SnapWork Technologies Private Limited (Associate): 41.50% on fully diluted basis
  • Pennant Technologies Private Limited (Associate): 26.53% on fully diluted basis

Financial Metrics (Consolidated)

  • Consolidated Turnover for FY2026: ₹81,989.50 crore
  • Consolidated Net worth for FY2026: ₹113,999.02 crore
  • CSR applicable: Yes

Material Responsible Business Conduct Issues

The company identified 19 material issues with risk/opportunity assessment:

Opportunities (14 issues):

1. Enhancing Customer Relationship Management

2. Robust Corporate Governance

3. Upholding Business Ethics and Transparency

4. Sustainable Economic Performance

5. Strong Brand and Reputation Management

6. Embracing Diversity and Inclusion

7. Fostering Human Capital Development

8. Prudent Risk Management

9. Enhancing Innovation, Digitisation and Responsible use of Technology

10. Promoting Sustainable Finance

11. Promoting Employee Health, Safety, and Well-being

12. Encouraging Financial Inclusion

13. Community Relations and Well-being

14. Upholding Human Rights

Risks (5 issues):

1. Data Privacy and Security

2. Regulatory Compliance

3. Product Governance and Misconduct

4. Climate Strategy and Emissions Management

5. Operational Eco-Efficiency

Management and Process Disclosures

  • Has Board-approved Responsible and Sustainable Business Conduct Policy
  • Policies translated into procedures and extended to value chain partners
  • ISO certifications: 27001:2022 (Information Security), 22301:2019 (Business Continuity), 14001:2015 (EMS), 45001:2018 (OHSMS)
  • ESG Committee chaired by Vice Chairman to monitor social, environmental, governance responsibilities
  • Board reviews business responsibility performance annually

FY2027 Commitments and FY2026 Performance

FY2027 Commitments:

1. Tree Plantation or Mega Forest Development/Reforestation at Satara

2. Hire 200+ specially abled employees

3. Provide 15,000+ solar financing loans

4. Develop Sustainable Financing Policy

5. Distribute 15,500+ improved cookstoves

6. Open 20+ new Microfinance branches

FY2026 Achievements:

1. Planted 200,000+ saplings

2. Opened 25 Microfinance branches

3. Received ISO 14001 and ISO 45001 certifications for 18 locations covering 24 offices

4. Implemented Water Tracking System at 48 locations

5. Distributed 15,500+ Improvised Cookstoves

Environmental Performance

Energy Consumption (FY2026):

  • Total energy consumed: 268,251.85 GJ
  • From renewable sources: 803.59 GJ (0.30%)
  • From non-renewable sources: 267,448.26 GJ
  • Energy intensity per rupee of turnover: 3.27 GJ per crore of total consolidated income

Water Consumption (FY2026):

  • Total water consumption: 1,554,703.65 KL
  • Water intensity per rupee of turnover: 18.96 KL per crore of total consolidated income

Greenhouse Gas Emissions (FY2026):

  • Scope 1 emissions: 6,665.65 tCO2e
  • Scope 2 emissions: 37,769.93 tCO2e
  • Scope 3 emissions: 102,678.55 tCO2e
  • Total emission intensity: 0.54 tCO2e per crore of total consolidated income

Waste Management (FY2026):

  • Total waste generated: 167.77 metric tonnes
  • Plastic waste: 1.75 MT
  • E-waste: 7.58 MT
  • Bio-medical waste: 1.52 MT
  • Battery waste: 82.74 MT
  • Other non-hazardous waste: 74.18 MT
  • Waste recycled: 83.94 MT
  • Waste safely disposed: 77.45 MT

Social Performance

Training and Awareness:

  • 98.48% employees covered by human rights training
  • 98.96% employees covered by awareness programs

Employee Benefits:

  • 100% coverage for health insurance and accident insurance
  • 100% maternity benefits for female employees
  • Cost on well-being measures: 0.14% of total revenue

CSR Initiatives:

  • Projects in designated aspirational districts across multiple states
  • Beneficiary categories include child education (585,810), child health (63,342), youth skilling (158,205), and others

Governance and Compliance

  • No fines/penalties/punishment in proceedings with regulators/law enforcement agencies
  • No disciplinary actions for bribery/corruption against Directors/KMPs/employees
  • No complaints regarding conflict of interest
  • Accounts payable days: 19.47 days (FY2026)
  • Related party transactions within regulatory limits

Assurance and Verification

  • Independent assurance by SGS India Private Limited
  • Reasonable assurance for BRSR core parameters
  • Limited assurance for remaining BRSR parameters
  • Verification of GHG emissions (Scope 1, 2, and 3)
  • Compliance with ISAE 3000 (Revised) and ISAE 3410 standards