The Board has also recommended a final dividend of Rs 6 per share for the financial year ended March 2026.
The lender’s assets under management (AUM) crossed the Rs 5 lakh crore milestone, standing at Rs 5.09 lakh crore as of March 2026, compared to Rs 4.16 lakh crore a year ago, marking a 22% growth. During the quarter, AUM expanded by Rs 25,498 crore.
Operationally, Bajaj Finance continued to see strong traction in customer acquisition and loan disbursals. The company booked 12.89 million new loans during the quarter, up 20% from 10.7 million in the year-ago period. Its customer franchise grew 17% YoY to 119.33 million, with an addition of 3.93 million customers in Q4 alone.
Asset quality remained stable, with gross non-performing assets (GNPA) at 1.01% and net NPA at 0.41% as of March-end, compared to 0.96% and 0.44% respectively a year ago. Provisioning coverage on stage 3 assets stood at 60%.
Loan losses and provisions declined to Rs 2,008 crore from Rs 2,167 crore a year ago, while the annualised credit cost improved to 1.65% from 2.17%, indicating better portfolio quality and collections.
Profit before tax rose to Rs 7,410 crore from Rs 5,647 crore in the same quarter last year, reflecting strong operating leverage. Excluding one-time items, PAT growth stood higher at around 27%.Also read: Adani Power Q4 Results: Net profit rises 52% YoY to Rs 4,017 crore; total income up 10%
Cost ratios remained largely stable, with operating expenses to net total income at 33.8%, broadly in line with the previous year.
The company maintained a strong capital position, with a capital adequacy ratio of 21.55%, including Tier-I capital of 20.67%, providing ample headroom for future growth.
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