Bajaj Finserv Limited, the diversified financial services major, reported a consolidated net profit of ₹2,417 crore for Q4 FY25, a 14% year-on-year (YoY) increase from ₹2,119 crore in Q4 FY24. The company’s Q4 revenue stood at ₹36,596 crore, marking a 14% YoY growth from ₹32,042 crore. On a sequential basis, revenue rose 14.2% from ₹32,042 crore in Q3 FY25.
For the full financial year FY25, Bajaj Finserv posted a 21% YoY growth in consolidated income at ₹1,33,822 crore, compared to ₹1,10,383 crore in FY24. Net profit for the year rose 9% YoY to ₹8,872 crore, up from ₹8,148 crore in FY24.
Segment-wise performance:
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Bajaj Finance, the lending arm, delivered ₹4,480 crore in Q4 profit, up 17% YoY, and full-year profit surged 15% to ₹16,638 crore. Q4 net total income rose 23% to ₹11,917 crore.
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Bajaj Allianz General Insurance recorded Q4 PAT at ₹363 crore, slightly lower YoY due to a high base, but FY25 profit rose 18% to ₹1,832 crore.
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Bajaj Allianz Life Insurance posted Q4 net value of new business (VNB) of ₹549 crore, up 14% YoY, while FY25 VNB reached ₹1,152 crore, up 9% YoY. Shareholders’ PAT in Q4 fell to ₹41 crore from ₹106 crore YoY.
The company’s solvency metrics and asset quality remained strong. Bajaj Finance’s AUM rose 26% YoY to ₹4,16,661 crore, while its capital adequacy ratio stood at 21.09%, ensuring strong balance sheet health.
Key corporate developments in FY25:
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Bajaj Finserv signed share purchase agreements to acquire 26% stakes held by Allianz SE in both Bajaj Allianz General and Life Insurance, aiming to raise its holding to 100% in both entities for a combined consideration of ₹24,180 crore.
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Bajaj Housing Finance Ltd. (BHFL) successfully completed its IPO of ₹6,560 crore, listing its shares and reducing Bajaj Finance’s stake to 88.75%.
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Bajaj Finserv Health entered the hospitalisation claims management space by acquiring 100% stake in Vidal Healthcare Services, expanding its healthcare ecosystem capabilities.
Outlook
Bajaj Finserv’s strong growth across lending, insurance, and health platforms, coupled with strategic moves to consolidate insurance verticals, positions it well for sustainable expansion. The company’s robust solvency, rising AUM, and diversified portfolio continue to support its long-term earnings trajectory.
