Conference Call with Bajaj Finserv Management and Analysts on Q1FY27 Performance and Outlook. Listen to the full earnings transcript.
Holding company Bajaj Finserv announced Q1FY27 results Consolidated Financial Highlights: Total Income for Q1FY27 stood at Rs 42,036.90 crore, representing a YoY increase of 19.08% from Rs 35,300.02 crore in Q1FY26 and a QoQ growth of 9.16% from Rs 38,508.14 crore in Q4FY26. Total Revenue from operations reached Rs 42,036.90 crore in Q1FY27, up 19.13% YoY compared to Rs 35,287.76 crore in Q1FY26 and 9.20% QoQ compared to Rs 38,493.79 crore in Q4FY26. Profit before tax (after share of profit of joint venture and associates) for Q1FY27 was Rs 8,932.19 crore, recording a YoY growth of 24.00% over Rs 7,203.64 crore in Q1FY26 and a QoQ growth of 28.93% over Rs 6,928.10 crore in Q4FY26. Net Profit for the period (Profit after tax) stood at Rs 6,296.67 crore in Q1FY27, showing a YoY increase of 18.15% from Rs 5,329.17 crore in Q1FY26 and a QoQ growth of 20.48% from Rs 5,226.26 crore in Q4FY26. Consolidated Profit after tax attributable to owners of the company for Q1FY27 was Rs 3,132.35 crore, reflecting a YoY growth of 12.31% from Rs 2,789.05 crore in Q1FY26 and a QoQ increase of 23.38% from Rs 2,538.67 crore in Q4FY26. Total Comprehensive Income for Q1FY27 reached Rs 8,234.23 crore, marking a YoY growth of 64.79% against Rs 4,996.82 crore in Q1FY26 and a QoQ growth of 179.40% against Rs 2,947.13 crore in Q4FY26. Basic Earnings Per Share (EPS) for Q1FY27 was Rs 19.60, compared to Rs 17.47 in Q1FY26 and Rs 15.89 in Q4FY26. Standalone Financial Highlights: Total Income for Q1FY27 stood at Rs 1,541.90 crore, showing a significant YoY growth of 239.43% from Rs 454.28 crore in Q1FY26 and a substantial QoQ increase from Rs 70.22 crore in Q4FY26. Total Revenue from operations reached Rs 1,533.60 crore in Q1FY27, up from Rs 434.37 crore in Q1FY26 (YoY growth of 253.06%) and Rs 46.73 crore in Q4FY26. Net Profit for the period in Q1FY27 was reported at Rs 1,117.60 crore, a YoY increase of 238.75% from Rs 329.92 crore in Q1FY26 and a significant QoQ growth from Rs 16.01 crore in Q4FY26. Total Comprehensive Income for Q1FY27 reached Rs 1,116.41 crore, compared to Rs 329.05 crore in Q1FY26 and Rs 14.48 crore in Q4FY26. Standalone Basic EPS for Q1FY27 stood at Rs 6.99 as against Rs 2.07 in Q1FY26 and Rs 0.10 in Q4FY26. Business Highlights: Segment Performance: Retail Financing (Bajaj Finance Limited): Total income increased by 22% to Rs 15,224 crore in Q1FY27 vs Rs 12,459 crore in Q1FY26. Profit after tax grew by 28% to Rs 6,081 crore in Q1FY27 vs Rs 4,765 crore in Q1FY26. Assets Under Management (AUM) reached Rs 546,944 crore as on 30 June 2026, an increase of 24% YoY. General Insurance (Bajaj Allianz General Insurance Company Limited): Gross written premium for Q1FY27 increased by 11% to Rs 5,789 crore. Profit after tax for Q1FY27 stood at Rs 478 crore vs Rs 660 crore in Q1FY26. Claim ratio stood at 74.3% in Q1FY27 vs 71.1% in Q1FY26. Life Insurance (Bajaj Allianz Life Insurance Company Limited): Gross written premium for Q1FY27 increased by 35% to Rs 7,399 crore vs Rs 5,478 crore in Q1FY26. New business premium grew by 59% to Rs 3,678 crore. Net Value of New Business (VNB) grew by 87% to Rs 271 crore in Q1FY27. Asset Quality: Gross Non-Performing Assets (NPA) and Net NPA for Bajaj Finance Limited as on 30 June 2026 stood at 0.96% and 0.39% respectively, improved from 1.03% and 0.50% as on 30 June 2025. AUM Growth: Bajaj Asset Management recorded quarterly average AUM of Rs 33,027 crore and closing AUM of Rs 31,444 crore as on 30 June 2026. Emerging Businesses: BFS continues to focus on growing emerging businesses including Bajaj Finserv Health, Bajaj Finserv Direct, Bajaj Asset Management, and Bajaj Alternate Investment Management. Envisaged losses from these businesses for Q1FY27 were Rs 130 crore. Re-insurance Business: The Board granted approval for pursuing re-insurance business through a subsidiary to be incorporated, subject to IRDAI and other regulatory approvals. Equity Allotment: The Board approved the issue of 15,11,358 equity shares of face value of Re 1 each to the Bajaj Finserv ESOP Trust. Result PDF