Bajaj Finserv Financial Results Quarter, Financial year ended 31 March 2025

Bajaj Finserv is an Indian company that provides financial services to over 100 million customers. It offers many services like loans, insurance, and ways to invest money. Some of its main businesses are Bajaj Finance (for loans), Bajaj Life Insurance, Bajaj General Insurance, and Bajaj Finserv Mutual Funds.

The company helps people with personal loans, home loans, business loans, car loans, and insurance, like life, health, and car insurance. It also has investment options like mutual funds and fixed deposits. One of its popular products is the Bajaj Finserv Insta EMI Card, which lets you shop and pay in easy monthly payments. Bajaj Finserv brings all these services together, making it easier for customers to handle their money.

Revenue and Profit Analysis for the Quarter Ended 31 March 2025

In the quarter ending 31 March 2025, Bajaj Finserv showed good growth in income, but its profit was a bit lower compared to the same time last year.

Total Income

• The total income was ₹73.92 crore, which is higher than ₹54.27 crore in the same quarter last year.
• Main sources of income:
  • Interest income: ₹57.58 crore
  • Gain from investment value changes: ₹3.68 crore
  • Wind power and rent income: ₹3.38 crore together
  • Other income: ₹9.28 crore

Expenses

• Total expenses were ₹62.26 crore, more than ₹39.97 crore in the same quarter last year.
• The increase was mainly because of higher employee salaries and other business costs.

Profit Before Tax

• Profit before tax was ₹11.66 crore, which is less than ₹14.30 crore in the same quarter last year.
• This small drop is because expenses went up.

Profit After Tax

• The net profit (after tax) was ₹7.57 crore, a little less than ₹7.82 crore last year.

Earnings Per Share (EPS)

• The earnings per share stayed the same at ₹0.0, which means there was no major change in profit per share.

Earnings Growth and Operational Performance in FY 2024-25

In the financial year 2024–25, Bajaj Finserv performed well with good growth in income and profit. The total income increased to ₹2,299.19 crore from ₹1,733.91 crore last year, mainly because the company earned more from interest and dividends.

The total expenses also went up to ₹249.79 crore due to higher staff salaries and other business costs, but the profit before tax still rose to ₹2,049.40 crore compared to ₹1,536.92 crore last year. The final profit after tax was ₹1,558.87 crore, which is higher than ₹1,170.06 crore in the previous year. Earnings per share (EPS) also improved, with basic EPS at ₹9.8 and diluted EPS at ₹9.7. This shows that the company did a good job and gave better returns to its shareholders.

Bajaj Finserv’s Financial Performance for FY 2024-25

Particulars	Quarter Ended 31.03.2025 (Unaudited)	Quarter Ended 31.12.2024 (Unaudited)	Quarter Ended 31.03.2024 (Unaudited)	Year Ended 31.03.2025 (Audited)	Year Ended 31.03.2024 (Audited)
1. Income
Interest Income	57.58	65.96	38.37	226.02	155.85
Dividend Income	2001.58	1508.26	–	–	–
Rental Income	0.55	0.56	0.55	2.22	2.10
Wind Power Income	2.83	3.18	2.94	22.28	24.08
Net Gain on Fair Value Changes	3.68	1.12	1.77	9.58	9.00
Total Revenue from Operations	64.64	70.82	43.63	2261.68	1699.29
Other Income	9.28	9.57	10.64	37.51	34.62
Total Income	73.92	80.39	54.27	2299.19	1733.91
2. Expenses
Employee Benefits Expenses	33.53	42.25	29.25	158.08	126.83
Depreciation, Amortisation and Impairment	1.55	0.91	0.88	4.26	3.48
Other Expenses	27.18	22.68	9.84	87.45	66.68
Total Expenses	62.26	65.84	39.97	249.79	196.99
Profit Before Tax (1 – 2)	11.66	14.55	14.30	2049.40	1536.92
Tax Expense
– Current Tax	4.25	4.23	5.80	491.49	366.61
– Deferred Tax	(0.16)	(0.37)	0.68	(0.96)	0.25
Total Tax Expense	4.09	3.86	6.48	490.53	366.86
Profit After Tax (3 – 4)	7.57	10.69	7.82	1558.87	1170.06
Other Comprehensive Income (Net of Tax)
– Items Not Reclassified to Profit or Loss	(2.54)	(0.07)	(2.31)	(2.76)	(2.53)
– Items Reclassified to Profit or Loss	–	–	–	–	–
Total Other Comprehensive Income	(2.54)	(0.07)	(2.31)	(2.76)	(2.53)
Total Comprehensive Income (5 + 6)	5.03	10.62	5.51	1556.11	1167.53
Paid-up Equity Share Capital (Face Value ₹1)	159.60	159.53	159.41	159.60	159.41
Other Equity	–	–	–	8212.29	6409.56
Earnings Per Share (₹) (Not Annualised)
– Basic	0.0	0.1	0.0	9.8	7.3
– Diluted	0.0	0.1	0.0	9.7	7.3

Conclusion

In conclusion, Bajaj Finserv has done well in the year 2024-25, with a big increase in income and profit compared to last year. Although the profit was a bit lower in the last quarter because of higher costs, the company earned more from interest and investments.

Overall, Bajaj Finserv’s performance is strong, with higher profits and better earnings per share, showing it is giving good returns to its shareholders. With its wide range of financial products and services, Bajaj Finserv continues to help millions of people in India manage their money.