Bajaj Finance Q2 FY27: consolidated PAT up 29% to ₹ 6,367 crore, GNPA improves to 1.06%
Q2 FY27 consolidated PAT up 29% to ₹6,367 crore, PBT up 29%, ROE 20.6%, GNPA improved to 1.06%.
By ScoutQuest · · 1 min read
- Consolidated PAT
- up 29% to ₹ 6,367 crore
- PBT
- up 29% to ₹ 8,537 crore
- GNPA
- 1.06%
- Period
- Q2 FY27 (quarter ended 30 September 2026)
- Positioning
- A diversified non-bank with a deposit taking license, focused on mass and affluent segments and leveraging cross-sell, with AUM mix of Urban 41%, Rural 16%, SME 18%, Commercial 15%, Mortgage 10%.
💰 Consolidated PAT grew 29% to ₹ 6,367 crore and PBT 29% to ₹ 8,537 crore in Q2 FY27; pre-provisioning operating profit rose 23% to ₹ 10,699 crore. Annualised ROA was 4.6% and ROE 20.6%, versus 4.5% and 19.1% a year earlier.
📌 Asset quality improved: consolidated GNPA 1.06% and NNPA 0.42% at 30 September 2026 against 1.24% and 0.60% a year ago, with stage 3 coverage at 60%. Capital adequacy was 20.33%, Tier-1 19.43%, leverage 5.1x.
🎯 The company describes itself as a diversified, deposit-taking non-bank focused on mass and affluent customers, and states its business construct is meant to enable ROA of 4.3%-4.7% and ROE of 19%-21%. Management says it is optimistic about the FY27 credit cost outlook, citing improving vintage performance.
🎯 Management says its long-term strategy is a customer-centric company using technology and AI; the presentation notes AI voice and text bots generated ₹ 2,744 crore of disbursement in Q2 FY27. Funding is backed by ₹ 370,644 crore of borrowings at 7.40% cost of funds and a 214% daily average LCR.
Also from Bajaj Finance
Bajaj Finance Q2 FY27 earnings call transcript: AUM up 26.5% to Rs.5,84,624 crore, PAT up 29%
23 Oct 2026
Despite a guidance upgrade, dealing rooms saw institutional sell flows on Bajaj Finance
22 Oct 2026
Bajaj Finance faces headwinds from margin pressure, rising stress in asset quality, and additional provisions
21 Oct 2026
More numbers
- Consolidated PAT, Q2 FY27₹ 6,367 crore
- Consolidated PAT growth, Q2 FY2729%
- Consolidated PBT, Q2 FY27₹ 8,537 crore
- Pre-provisioning operating profit, Q2 FY27₹ 10,699 crore
- Annualised ROE, Q2 FY2720.6%
- Annualised ROA, Q2 FY274.6%
- Consolidated GNPA, 30 Sep 20261.06%
- Consolidated NNPA, 30 Sep 20260.42%
- Capital adequacy, 30 Sep 202620.33%
- BFL AUM, 30 Sep 2026₹ 426,879 crore
- Consolidated profit after tax, FY2619,332 (₹ in crore)
- Borrowings, 30 Sep 2026₹ 370,644 crore
- Cost of funds, Q2 FY277.40%
- BHFL AUM, 30 Sep 2026₹ 158,205 crore
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