Bajaj Finance Ltd (BAJFINANCE) Q2FY26 Concall Summary - Sep-2025 Qtr
Performance Overview
- The company reported a good quarter across key metrics including AUM growth, OpEx to NTI, and profitability, with ROA and ROE remaining steady.
- Assets Under Management (AUM) grew by 24% year-on-year to INR 4,62,261 crores, driven by secular growth across businesses.
- New lines of business, including gold loans, new car loans, and CV tractor financing, contributed 3% to overall AUM growth in Q2.
- The customer franchise expanded to 100.64 million, with 4.13 million new customers added in Q2 alone, and an expectation to add 16-17 million new customers in FY26.
- Operating efficiencies improved, with OpEx to NTI improving to 32.6% from 33.2% in Q2 last year, driven by AI implementation across business lines.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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