{"id":16054,"date":"2025-07-24T18:22:48","date_gmt":"2025-07-24T12:52:48","guid":{"rendered":"http:\/\/43.205.138.160\/?post_type=article&p=16054"},"modified":"2025-07-24T18:29:43","modified_gmt":"2025-07-24T12:59:43","slug":"%f0%9f%93%8c-from-emi-cards-to-sme-loans-indias-leading-nbfc-is-firing-on-all-engines","status":"publish","type":"article","link":"https:\/\/signalz.pro\/article\/%f0%9f%93%8c-from-emi-cards-to-sme-loans-indias-leading-nbfc-is-firing-on-all-engines\/","title":{"rendered":"\ud83d\udccc From EMI cards to SME loans \u2014 India\u2019s leading NBFC is firing on all engines."},"content":{"rendered":"

\ud83d\udcca Bajaj Finance Q1 FY26 Result \u2013 Strong Growth, Resilient Margins, Solid Execution.<\/p>\n

Let\u2019s review the quarterly result.<\/p>\n

 <\/p>\n

\ud83c\udfe6 Consolidated Performance \u2013 Bajaj Finance + Subsidiaries.<\/p>\n

Bajaj Finance reported total income of \u20b918,469 crore in Q1 FY26, marking a 23.7 percent increase year-on-year. Net interest income stood at \u20b910,227 crore, up 22 percent from last year, supported by strong loan growth across segments.<\/p>\n

Net profit for the quarter was \u20b94,546 crore, rising 19 percent compared to \u20b93,825 crore in Q1 FY25. Profitability remained firm despite rising cost of funds, backed by operating leverage and disciplined asset quality control.<\/p>\n

Assets under management rose 25 percent year-on-year and crossed \u20b94.41 lakh crore. Sequentially, AUM increased by over \u20b921,400 crore. Urban B2C, rural lending, SME finance, commercial lending and auto finance all posted healthy double-digit growth.<\/p>\n

The company disbursed 1.35 crore new loans during the quarter and added 47 lakh new customers. Total customer base now stands at 8.34 crore.<\/p>\n

Asset quality remained stable. Gross NPA was reported at 0.85 percent, slightly lower than 0.87 percent a year ago. Net NPA stood at 0.34 percent. Credit cost as a percentage of average AUM was 1.38 percent, marginally higher than last year but still well-contained.<\/p>\n

 <\/p>\n

\ud83c\udfe2 Standalone Performance \u2013 Bajaj Finance Ltd.<\/p>\n

On a standalone basis, revenue from operations came in at \u20b915,797 crore, registering a 23.8 percent growth year-on-year. Interest income within this stood at \u20b913,824 crore, up 27 percent.<\/p>\n

Standalone net profit was \u20b93,940 crore, a growth of 15.8 percent over \u20b93,402 crore in Q1 FY25. Margins held well despite an increase in funding cost, and loan growth continued across key retail and SME verticals.<\/p>\n

There was a minor uptick in NPAs. Gross NPA increased to 1.28 percent from 1.11 percent last year, and Net NPA rose to 0.63 percent from 0.47 percent. Provision coverage ratio remained at 52 percent, providing adequate buffer.<\/p>\n

 <\/p>\n

\ud83c\udfaf Strategic and Operational Highlights from Investor Presentation.<\/p>\n

\u2013 EMI card base grew 20 percent year-on-year.
\n\u2013 Bajaj Finance App crossed 4.4 crore registered users.
\n\u2013 EMI financing now penetrates over 5,000 towns across India
\n\u2013 Total credit ca.rd base under Bajaj\u2019s co-branded portfolio reached 3.4 million.
\n\u2013 80 percent of all new customer sourcing is now fully digital.
\n\u2013 SME and rural B2C lending led the growth among all verticals.<\/p>\n

 <\/p>\n

\ud83d\udcc9 Technical View<\/p>\n

Bajaj Finance is currently trading near \u20b9958. The stock is moving in a consolidation range of \u20b9880 to \u20b9970. RSI around 59 indicates neutral to mild bullish momentum.<\/p>\n

For traders, buying near \u20b9910-20 with stop-loss at \u20b9880 could be considered. A breakout above \u20b9970 may lead to a move toward \u20b91050 in the short term.<\/p>\n

MACD is also showing positive crossover which will translate in good upside if stock price is sustain above 970.<\/p>\n

 <\/p>\n

\ud83d\udd0d Final Take<\/p>\n

Bajaj Finance has delivered yet another consistent quarter backed by digital expansion, operational efficiency, and strong demand across lending categories.<\/p>\n

Despite the rising interest rate environment and a slight increase in gross NPAs, the business remains well-capitalised, customer-centric, and digitally agile. The EMI card platform, mobile app adoption, and co-branded credit card scale-up offer long-term optionality.<\/p>\n

The upcoming festive season and deeper tier-2, tier-3 penetration should provide further growth triggers in the second half of the year.<\/p>\n

 <\/p>\n

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