Should I Buy Bajaj Finance Stock in India in 2025?
Is it the right time to buy Bajaj Finance?
ScoreAs of early July 2025, Bajaj Finance Ltd is trading at around ₹910 per share, with an average daily volume of approximately 10.6 million shares, highlighting steady investor participation. Recent action such as a 1:2 stock split and a 4:1 bonus issue, along with a substantial final and special dividend, reflect both corporate confidence and an intent to reward shareholders. The company also announced a new Managing Director, signaling stability and continuity at the leadership level. Financially, Bajaj Finance has maintained strong momentum, posting a net annual profit of ₹16,779 crores for FY25 and expanding its asset base by 25% year-on-year. While the short-term technical trend is neutral to slightly bearish, medium- and long-term prospects remain positive, with the stock trading above its key moving averages. In India’s rapidly growing financial services sector, Bajaj Finance stands out as a market leader among non-banking financial companies, underpinned by robust customer growth and an ongoing commitment to digital innovation. The market sentiment remains moderately optimistic, and a consensus of more than 11 national and international banks estimates a target price of ₹1,183, reflecting sustained confidence in Bajaj Finance’s ability to deliver value in a dynamic environment.
- ✅Consistent double-digit revenue and profit growth over the past year.
- ✅Leadership position among India's largest NBFCs with a strong nationwide network.
- ✅Diverse product offerings covering both urban and rural markets.
- ✅Large customer base exceeding 106 million as of June 2025.
- ✅Attractive dividend yield of 6.15% supported by healthy profitability.
- ❌Credit costs remain elevated at 2.07%, impacting overall profitability.
- ❌Recent margin compression due to higher funding costs and competitive pressure.
Score- ✅Consistent double-digit revenue and profit growth over the past year.
- ✅Leadership position among India's largest NBFCs with a strong nationwide network.
- ✅Diverse product offerings covering both urban and rural markets.
- ✅Large customer base exceeding 106 million as of June 2025.
- ✅Attractive dividend yield of 6.15% supported by healthy profitability.
Is it the right time to buy Bajaj Finance?
- ✅Consistent double-digit revenue and profit growth over the past year.
- ✅Leadership position among India's largest NBFCs with a strong nationwide network.
- ✅Diverse product offerings covering both urban and rural markets.
- ✅Large customer base exceeding 106 million as of June 2025.
- ✅Attractive dividend yield of 6.15% supported by healthy profitability.
- ❌Credit costs remain elevated at 2.07%, impacting overall profitability.
- ❌Recent margin compression due to higher funding costs and competitive pressure.
Score- ✅Consistent double-digit revenue and profit growth over the past year.
- ✅Leadership position among India's largest NBFCs with a strong nationwide network.
- ✅Diverse product offerings covering both urban and rural markets.
- ✅Large customer base exceeding 106 million as of June 2025.
- ✅Attractive dividend yield of 6.15% supported by healthy profitability.
- What is Bajaj Finance
- What is the Bajaj Finance stock price?
- Our full analysis of the Bajaj Finance stock
- How to buy Bajaj Finance stock in India
- Our 7 tips for buying Bajaj Finance stock
- The latest news about Bajaj Finance
- FAQ
- On the same topic
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At HelloSafe, our expert has been tracking the performance of Bajaj Finance for over three years. Every month, lakhs of users in India trust us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Bajaj Finance.
What is Bajaj Finance
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | India | Bajaj Finance is a major Indian NBFC with national and leading market influence. |
| 💼 Market | NSE, BSE | It is traded on India's main stock exchanges, ensuring liquidity and transparency. |
| 🏛️ ISIN code | INE296A01032 | This secure code identifies Bajaj Finance shares for local and global investors. |
| 👤 CEO | Anup Kumar Saha | Anup Kumar Saha, appointed in 2025, oversees the company’s growth and digital innovation. |
| 🏢 Market cap | ₹5,65,808 crores | The high market cap reflects strong investor confidence and sector dominance. |
| 📈 Revenue | ₹69,684 crores (FY25, annual) | Strong yearly revenue growth shows rising demand and a well-diversified product portfolio. |
| 💹 EBITDA | ~₹28,400 crores (FY25, estimate) | Robust EBITDA underlines healthy operational margins and efficient cost management. |
| 📊 P/E Ratio (Price/Earnings) | 34.00 | Above average P/E signals high growth and premium valuation in the NBFC sector. |
What is the Bajaj Finance stock price?
The price of Bajaj Finance stock is declining this week. The current share price stands at ₹910.15, down by 1.39% in the last 24 hours and 4.35% over the past week. Bajaj Finance boasts a market capitalization of ₹5,65,808 crores, with a strong three-month average daily volume of 10.58 million shares. The stock trades at a P/E Ratio of 34.00, offers an attractive 6.15% dividend yield, and carries a beta of 1.05. This combination of strong growth, steady dividends, and moderate volatility makes it an appealing option for investors with a long-term view.
Our full analysis of the Bajaj Finance stock
After carefully reviewing Bajaj Finance’s latest financial results and analyzing its stock performance over the past three years, we have applied our proprietary algorithms integrating financial metrics, technical indicators, market data, and competitive benchmarking. This comprehensive, data-driven approach offers a unique view into the fundamental and structural trends shaping Bajaj Finance’s accessibility, resilience, and growth ambitions. So, why might Bajaj Finance stock once again become a strategic entry point into India’s evolving financial technology and lending sector in 2025?
Recent performance and market context
Bajaj Finance continues to demonstrate outstanding resilience within India’s competitive non-banking financial company (NBFC) space. As of July 2025, the stock is trading at ₹910.15, after a 23.6% rise over the prior six months and a strong 25.4% return for investors on a one-year basis. Short-term price action has been mildly corrective, with a 1.39% daily dip and a 4.35% drop over the last week—providing an attractive price reset on the back of recent corporate actions including a 1:2 stock split and a 4:1 bonus issue.
- The appointment of Anup Kumar Saha as the new MD in April 2025, signaling generational leadership renewal.
- Record customer base growth, now standing at 106.5 million (June 2025), establishing Bajaj Finance as an unrivalled household NBFC name in India.
- Solid Q1 FY26 results aligned with analyst forecasts, sustaining investor confidence in the company’s core lending engine.
India’s broader macroeconomic environment remains a major tailwind: strong GDP growth, an expanding middle class using consumer credit, ongoing digitization, and increasing rural financial inclusion collectively underpin an asset-light, high-growth lending business like Bajaj Finance.
Technical analysis
From a technical perspective, Bajaj Finance remains in a structurally bullish posture. The current price of ₹910.15 sees the stock consolidating above both its 100-day (₹890.53) and 200-day (₹802.55) moving averages—highlighting strong long-term upward momentum and investor support. While the price has recently moved fractionally below the 20-day (₹930.52) and 50-day (₹915.82) moving averages, technical oscillators and support zones provide an attractive risk-reward scenario:
- RSI: Consolidating at neutral territory, offering further upside potential before extreme overbought conditions.
- MACD: Remains supportive for a bullish reversal, as no major bearish crossovers signal a breakdown; short-term price dips may offer ideal accumulation points.
- Support/resistance levels: Immediate support sits at ₹905, with key technical support at ₹893.98. Resistance lies at ₹925 (short-term) and ₹932.58—forming a compact range that, if breached, could trigger a new bullish leg.
Despite short-term volatility and a mildly bearish bias on a weekly view, the overall technical structure is robust and suggests that Bajaj Finance is building a base for its next uptrend, aligned with recent long-only institutional flows and heightened retail interest.
Fundamental analysis
Bajaj Finance’s investment case rests firmly on a platform of growth, profitability, and strategic discipline. Recent results reinforce why the company is widely regarded as the premier NBFC in India:
- Revenue growth: FY25 annual revenue topped ₹69,684 crores, up 26.8% year-on-year, showcasing aggressive asset growth even amid sector-wide margin pressure.
- Profitability: Net profit for FY25 came in at ₹16,779 crores (up 16.1% YoY), with quarterly profits for Q1 FY26 also solid at ₹4,536.75 crores—reflecting consistent net interest margins and robust operating efficiency.
- Valuation: With a P/E ratio of 34.00, Bajaj Finance is awarded a premium by the market. This is justified by its industry leadership and relentless focus on technological innovation, digital lending, and customer expansion.
- Structural strengths:
- A richly diversified product suite across 26 business lines and 51 variants, including pioneering EMI cards and digital consumer loans.
- Asset quality remains high, with solid capital adequacy and prudent risk management.
- Market share gains underpinned by first-mover digital lending capabilities and continuous technology investments in AI/ML underwriting and cybersecurity.
- Expanding rural and semi-urban footprint, positioning Bajaj Finance as the go-to lender across India’s emerging geographies.
- Brand: With a reputation for resilience across multiple economic cycles, Bajaj Finance has become synonymous with accessible lending and customer trust in India’s financial landscape.
This deep foundation ensures Bajaj Finance’s upward trajectory remains supported by organic growth, strategic M&A, and disruptive innovation.
Volume and liquidity
Market confidence in Bajaj Finance is evidenced by its substantial free float and sustained liquidity. The three-month average daily volume stands at 10.58 million shares, placing the stock among the most actively traded financial names on both the NSE and BSE. This robust turnover ensures efficient price discovery and allows both institutional and retail investors to take positions without significant slippage.
Moreover, Bajaj Finance’s inclusion in benchmark indices like SENSEX and NIFTY 50, along with a market capitalization of ₹5,65,808 crores, attracts considerable global investor allocations—further supporting dynamic, fair valuations over time. This level of participation reduces volatility and enhances the stability of shareholder returns.
Catalysts and positive outlook
A range of clearly identified catalysts and sector tailwinds reinforce the positive outlook for Bajaj Finance:
- Corporate actions: The recent 1:2 stock split and 4:1 bonus issue have increased retail float and improved accessibility while maintaining overall shareholder value—often a prelude to renewed investor engagement.
- Product innovation: Bajaj Finance continues to expand with new, technology-driven product lines—particularly the market-leading EMI Card and digital lending apps—that address both consumer and MSME credit demand.
- Technological advancement: Continuous investment in AI/ML loan approvals, risk scoring, automation, and cybersecurity amplify operational scalability and margin expansion.
- Management renewal: The appointment of Anup Kumar Saha as MD and Rajeev Jain as Vice Chairman infuses both continuity and strategic fresh thinking—a rare, value-enhancing blend.
- Impressive asset growth: Assets under management rose 25% YoY to ₹4,41,400 crores by June 2025, highlighting successful penetration efforts in both urban and underserved rural markets.
- ESG initiatives: Bajaj Finance is making significant strides in governance, promoting sustainable finance, and expanding its inclusion programs—moves that resonate with global ESG-driven funds.
- Favorable sector context: India’s young, unbanked population, rapid formalization of credit, and structural economic growth create a long-term demand super-cycle for consumer and commercial lending.
- Dividends: Robust payouts—₹44 per share (final) plus ₹12 per share (special) for FY25—demonstrate balance sheet strength and a commitment to rewarding shareholders.
Cumulatively, these growth engines position Bajaj Finance for further outperformance across multiple market cycles.
Investment strategies
Bajaj Finance offers compelling arguments for entry across all major investment horizons:
- Short-term: Current consolidation near strong support (₹905/₹893.98), paired with a reset from recent price declines, suggests this is a timely entry for aggressive traders or tactical buyers ahead of the next earnings release or new product launch.
- Medium-term: The robust pipeline of new digital financial products and the impact of recent stock splits point to a likely re-rating in alignment with a ₹1,183 target—anticipating both market normalization and renewed buying from institutions as economic and credit metrics trend upward.
- Long-term: As India’s financial sector matures and the middle class increasingly leverages consumer finance, Bajaj Finance is exceptionally well placed for sustained compound returns. Its proven adaptability, balance sheet strength, experienced management, and focus on tech-led lending all contribute to its defensive growth profile.
For investors seeking both growth and income, Bajaj Finance’s dominant NBFC positioning, forward-looking strategies, and high liquidity provide a solid basis to accumulate shares steadily, particularly on any dips around the current support band.
Is it the right time to buy Bajaj Finance?
In summary, Bajaj Finance presents a rare combination of resilient growth, high operational efficiency, consistent innovation, and market leadership within India’s dynamic NBFC sector. Trading above long-term moving averages, backed by strong volume, superior asset growth, and a premium but justified valuation, the company’s unique blend of digital scale, geographic reach, and technological edge seems set to power a new bullish phase. The fundamentals justify renewed interest, with recent price action offering a favorable technical entry and several forward catalysts to sustain momentum through FY26.
Bajaj Finance seems to represent an excellent opportunity for investors seeking visibility, scalability, and enduring value creation within India’s financial and technology-driven economy. With upcoming earnings announcements and continued product innovation, this stock stands out as a best-in-class contender poised to reward conviction and patience in the evolving landscape of Indian finance.
How to buy Bajaj Finance stock in India
Buying Bajaj Finance stock online is simple and secure when you use a regulated Indian broker. You can choose between two main methods: spot buying, where you own the shares directly, or trading Contracts for Difference (CFDs), which let you speculate on price movements with leverage. Both methods are accessible through leading online platforms, allowing for confidence and flexibility. You’ll find a detailed comparison of popular brokers further down the page to help you choose the best fit for your needs.
Spot buying
Spot buying means purchasing Bajaj Finance shares for your Demat account, making you a direct shareholder. Fees generally include a flat brokerage commission, typically around ₹20–₹25 per order, depending on your broker. With cash buying, you fully participate in dividends and voting rights.
Gain scenario
If the Bajaj Finance share price is ₹910, you can buy around 1.09 shares with a $1,000 stake (approximately ₹83,000), including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100. Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFD trading on Bajaj Finance shares allows you to speculate on price moves without actually owning the stock. Instead, you enter into a contract with your broker, paying a spread (the difference between buy/sell prices) and, for overnight positions, a small daily financing fee. CFDs let you use leverage for greater exposure with less capital.
CFD Gain Scenario Example
You open a CFD position on Bajaj Finance shares, with 5x leverage and a $1,000 stake. This gives you a market exposure of $5,000.
✔️ Gain scenario: If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
Final advice
Before investing, always compare brokers’ fees, trading conditions, and platform features to find the right fit. Whether you prefer to own Bajaj Finance stock directly or to speculate with CFDs, the choice depends on your investment goals and risk tolerance. For guidance in making your decision, our full broker comparison is available further down the page.
Check out the best brokers in India!Compare brokersOur 7 tips for buying Bajaj Finance stock
| 📊 Step | 📝 Specific tip for Bajaj Finance |
|---|---|
| Analyze the market | Review India’s NBFC sector, interest rate outlook, and consumer finance trends before investing. |
| Choose the right trading platform | Choose a SEBI-registered Indian broker offering good research tools and simple access to Bajaj Finance. |
| Define your investment budget | Decide on an amount you are comfortable with, considering recent price volatility in Bajaj Finance. |
| Choose a strategy (short or long term) | Prefer a long-term strategy to benefit from Bajaj Finance’s growth and dividend announcements. |
| Monitor news and financial results | Track quarterly results, product initiatives, and management updates to act on new opportunities. |
| Use risk management tools | Use stop-loss and trailing stop orders to protect your capital from sharp market swings. |
| Sell at the right time | Plan to sell on reaching technical peaks or before major economic or regulatory events. |
The latest news about Bajaj Finance
Bajaj Finance announces strong quarterly results with revenue at ₹18,456 crores and net profit of ₹4,536.75 crores. This performance, reported for Q1 FY26 ending June 2025, highlights consistent profitability in alignment with analyst expectations and demonstrates the company’s ongoing ability to generate robust earnings for shareholders in India.
Company completes major corporate actions: stock split and 4-to-1 bonus share issue in June 2025. These initiatives have increased Bajaj Finance’s liquidity and made the stock more accessible to Indian retail investors, broadening the investor base and enhancing long-term participation prospects in India’s financial markets.
Bajaj Finance grows its customer base to over 106.5 million and assets under management by 25% year-on-year. The recent official update underscores a sharp expansion in the company’s reach across both urban and rural India, further establishing Bajaj Finance’s leadership in the Indian non-banking financial sector.
Dividend distribution remains attractive, with a final dividend of ₹44 and a special dividend of ₹12 per share announced for FY25. These substantial payouts reflect the company’s healthy cash position and its commitment to delivering tangible cash returns and value directly to Indian shareholders.
Bajaj Finance maintains its dominant presence in India’s NBFC sector with strong support from domestic and foreign institutional investors. With a stable promoter holding at 54.73%, along with 21.45% foreign and 14.78% domestic institutional stakes, the stock demonstrates sustained market confidence and reinforces its strategic importance for investment portfolios in India.
FAQ
<i>What is the latest dividend for Bajaj Finance stock?</i>
Bajaj Finance currently pays dividends. For FY25, shareholders received a final dividend of ₹44 per share and a special dividend of ₹12 per share, both distributed in June 2025. This represents an attractive yield compared to industry peers, with Bajaj Finance demonstrating a policy of rewarding shareholders regularly as its profits grow.
<i>What is the forecast for Bajaj Finance stock in 2025, 2026, and 2027?</i>
Based on the current price of ₹910.15, the projection for Bajaj Finance is ₹1,183 for the end of 2025, ₹1,365 at the end of 2026, and ₹1,820 by the end of 2027. The company’s strong fundamentals, leading market position, and continued product innovation support this optimistic growth outlook over the next three years.
<i>Should I sell my Bajaj Finance shares?</i>
Holding on to Bajaj Finance shares may be wise, considering its robust long-term growth track record, solid fundamentals, and strong brand in India’s financial sector. The company has demonstrated strategic resilience, consistent profitability, and steady expansion even during challenging times. Given these factors, many analysts believe Bajaj Finance remains well positioned for mid- to long-term growth.
<i>How are Bajaj Finance dividends and capital gains taxed for Indian investors?</i>
For Indian residents, dividends from Bajaj Finance are subject to a 10% tax deducted at source if your annual dividend income crosses ₹5,000. Long-term capital gains (on shares held over one year) above ₹1 lakh attract a 10% tax rate, while short-term gains are taxed according to your income slab. Bajaj Finance stock is fully eligible for investments under standard Indian tax rules.
<i>What is the latest dividend for Bajaj Finance stock?</i>
Bajaj Finance currently pays dividends. For FY25, shareholders received a final dividend of ₹44 per share and a special dividend of ₹12 per share, both distributed in June 2025. This represents an attractive yield compared to industry peers, with Bajaj Finance demonstrating a policy of rewarding shareholders regularly as its profits grow.
<i>What is the forecast for Bajaj Finance stock in 2025, 2026, and 2027?</i>
Based on the current price of ₹910.15, the projection for Bajaj Finance is ₹1,183 for the end of 2025, ₹1,365 at the end of 2026, and ₹1,820 by the end of 2027. The company’s strong fundamentals, leading market position, and continued product innovation support this optimistic growth outlook over the next three years.
<i>Should I sell my Bajaj Finance shares?</i>
Holding on to Bajaj Finance shares may be wise, considering its robust long-term growth track record, solid fundamentals, and strong brand in India’s financial sector. The company has demonstrated strategic resilience, consistent profitability, and steady expansion even during challenging times. Given these factors, many analysts believe Bajaj Finance remains well positioned for mid- to long-term growth.
<i>How are Bajaj Finance dividends and capital gains taxed for Indian investors?</i>
For Indian residents, dividends from Bajaj Finance are subject to a 10% tax deducted at source if your annual dividend income crosses ₹5,000. Long-term capital gains (on shares held over one year) above ₹1 lakh attract a 10% tax rate, while short-term gains are taxed according to your income slab. Bajaj Finance stock is fully eligible for investments under standard Indian tax rules.
On the same topic
