Bajaj Finance Q1 FY27 Results: Net Profit Jumps 27% to ₹5,986 Crore, NII Up 24%

By Kaushik Brahmakshatriya

Published On 31 July 2026.

Bajaj Finance Q1 FY27 Results

The Bajaj Finance Q1 FY27 Results are out, and the country’s largest NBFC has once again delivered a strong quarterly show. Consolidated net profit rose 27% year-on-year to ₹5,986 crore, while net interest income (NII) climbed 24% to cross ₹12,500 crore. Here’s a detailed breakdown of the numbers, growth drivers and what they mean for investors tracking this stock.

Net Profit & NII: Key Financial Highlights

The headline from the Bajaj Finance Q1 FY27 Results is the sharp rise in profitability. Consolidated net profit attributable to owners came in at ₹5,985.75 crore for the quarter ended June 30, 2026, compared to ₹4,699.61 crore in the same period last year. This growth was supported by robust income from lending operations and controlled provisioning costs.

Net interest income, the gap between interest earned and interest paid out, expanded to ₹12,571 crore from ₹10,228 crore a year earlier. Profit before tax also grew nearly 28% to ₹8,149 crore, reflecting healthy operating leverage across the business. New loan bookings during the quarter touched 16.13 million, up close to 20% from 13.49 million in the year-ago period, showing sustained customer demand across product lines.

Assets Under Management: Growth and Expansion

Alongside strong earnings, the company’s asset base also expanded meaningfully. Consolidated assets under management (AUM) grew nearly 24% to touch ₹5.47 lakh crore as of June-end, up from ₹4.41 lakh crore a year earlier, adding close to ₹37,000 crore during the quarter alone. The lender also added over 5 million new customers in the period and continued to expand its branch network, including additional gold loan and microfinance branches.

The company’s geographical footprint now spans over 4,000 locations with a large network of active distribution points. Management has guided for continued expansion in new locations and customer additions through the rest of FY27, signalling confidence in demand across both urban and semi-urban markets.

Asset Quality and Capital Strength

A key highlight of the Bajaj Finance Q1 FY27 Results is the improvement in asset quality. Gross NPA ratio softened sequentially, pointing to better collection efficiency and risk management. Loan losses and provisions rose only marginally year-on-year, indicating that credit costs remain within the company’s guided range for the fiscal year.

On capital adequacy, the consolidated ratio, including Tier-II capital, stood comfortably above regulatory requirements, giving the company enough headroom to pursue further growth. The deposit book saw a modest decline during the quarter, though it continues to form a meaningful share of overall borrowings.

Quick Financial Overview

FAQ ( Frequently Asked Questions)

Q1: What is Bajaj Finance’s net profit for Q1 FY27?

Bajaj Finance reported a consolidated net profit of ₹5,986 crore for Q1 FY27, up 27% year-on-year.

Q2: How much did NII grow in Q1 FY27?

Net interest income grew around 24% year-on-year to ₹12,571 crore.

Q3: What is Bajaj Finance’s current AUM?

Consolidated AUM stood at ₹5.47 lakh crore as of June 30, 2026.

Conclusion

Overall, the Bajaj Finance Q1 FY27 Results reflect a company firing on multiple cylinders — strong profit growth, healthy NII expansion, rising AUM and improving asset quality. With steady loan disbursement momentum and a solid capital base, Bajaj Finance continues to reinforce its position as India’s leading consumer finance NBFC heading into the rest of FY27.

Disclaimer :

This article is for informational purposes only and should not be considered investment advice. Please consult a SEBI-registered financial advisor before making any investment decisions.We are not responsible for any loss.