Welcome To
BAJAJ FINANCE LTD
At the heart of our business lie tech-driven innovation and financial inclusion. Over 17 years, Bajaj Finance has enabled India’s growing mass affluent and middle-class population to fulfil aspirations by providing access to an extensive range of financial solutions. Since inception, the Company has leveraged technology to launch 26 product lines and 51 product variants for retail, MSME and commercial consumers, with major product innovations such as the EMI card and Flexi.
Know moreCustomers
million
AUM
crore
Employees
Locations
Consumer Lending
Mortgages
Personal Loans
SME Lending
Gold Loan
Auto Financing
Loan against Securities
Rural Lending
Commercial Lending
Micro-finance Lending
Public and Corporate Deposits
Partnerships and Services
We have crafted a visionary blueprint (Long-Range Strategy) for the next decade that reshapes our ambition, strategy, approach, and goals of customer share, market share and profit share. The blueprint envisages your Company to become a dominant payments and financial services company in India over the medium term.
Sanjiv Bajaj
Chairman
DEEPAK BAGATI Chief Operating Officer & President - Debt Management Services
MANISH JAIN Managing Director, Bajaj Financial Securities Limited
ANURAG CHOTTANI Chief Operating Officer & Chief Technology Officer
RAJEEV JAIN Managing Director
ATUL JAIN Managing Director, Bajaj Housing Finance Limited
ANUP SAHA Deputy Managing Director
SANDEEP JAIN Chief Operating Officer & Chief Financial Officer
SANJIV BAJAJ Chairman
AUM
crore 
34%
Profit after Tax
crore 26%
Deposits
crore 35%
Net NPA
Best ever
Gross NPA
Best ever
YOY Growth
Net Bajaj Finserv app installs
Active distribution points
Locations
UPI handles
Personal loans disbursed on Bajaj Finserv app
Capacity of solar panels installed
Saplings planted
Introduced for inter-office shuttle services
Financed
To be a leading payments and financial services company in India with acustomer franchise of over 150 million, market share of 3% of payments Gross erchandise Value (GMV), 3%-4% of total credit in India and 4%-5% of retail credit in India.
To be an omnipresent financial services company spanning across all consumer platforms — physical, app, web, social, rewards and virtual.
To acquire customers and cross-sell payments, assets, deposits, insurance, investments, and broking products to efficiently meet their financial needs across all consumer platforms.
To build businesses with a long-term view anchored on prudence and risk management to deliver ‘through the cycle’ return on equity of 21-23%.
To deliver sustainable growth and endeavour to be among the top five in respective product and sector.
To focus on profitable growth and endeavour to be among the top 20 profit-making companies in India and top five in financial services companies in India.
To grow BFL share of customer’s wallet by offering all products and services in a frictionless manner and deliver highest Customer Satisfaction (CSAT) score and Products Per Customer (PPC).
To create technology and data-first as an organisation culture to solve all problems. Be an early adopter and invest in emerging technologies and data practices to deliver sustained growth, superior customer experience, improved productivity, and robust controllership.
Highly diversified financial services strategy with an optimal mix of risk and profit to deliver a sustainable business model
Technology and analytics driven, using emerging digital technologies to transform into a customercentric digital enterprise
Customer centric approach focused on servicing all financial services needs of customers
Continuous innovation for frictionless customer experiences
Committed to make a meaningful difference to society and environment
Our Responsible and Sustainable Business Conduct policy is aligned with the National Guidelines on Responsible Business Conduct as well as our business model. Our ESG framework is based on eight pillars:
Know moreNew-to-credit customers added in the last six years
Trees saved by reducing 505 crore paper sheets
Students benefitted through Certificate Programme in Banking, Finance & Insurance (CPBFI)
in India 2024 in Bronze category by FinanceAsia
Conduct and govern business with integrity in a manner that is ethical, transparent and accountable
Provide access to relevant and affordable financial products and services that meet the needs of the larger society
Strive to adopt environmental practices and processes that minimise/eliminate the adverse impact on environment due to company operations
Create a thriving, safe and inclusive workplace for employees and provide merit-based opportunities for professional development and growth
Innovate/invest in products, technologies and processes that enhance customer experience and promote professional, fair and transparent dealings
Adopt robust information security, cyber security and fraud control practices
Promote social welfare activities for inclusive growth, equitable development, and well-being of society
Engage with relevant stakeholders for enhancing sustainable and responsible business practices
At Bajaj Finance, our social investments are dedicated to India’s next generation – its children and youth, in the areas of skilling, child education, child health, child protection, and inclusion for Persons with Disabilities. These are either self-implemented or carried out in collaboration with non-profit organisations.
Youth skilled cumulatively through self-implemented and grant-making initiatives
Children benefitted from health interventions
Protecting and enhancing the wellbeing of children is central to our social impact programmes. We support child health, child education, child protection and inclusion of persons with disabilities, in collaboration with several grassroots-level organisations.
Children benefitted from the education initiatives
Individuals with disabilities benefitted from the programmes
99,000+
Youth skilled for employment and enterprise
19,000+
Beneficiaries of Women Empowerment programmes
4.92+ lakh
Beneficiaries of child health, education and protection projects
100
Microfinance branches opening