Should I buy Bajaj Finserv stock in 2025?

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At HelloSafe, our experts have been tracking the performance of the Bajaj Finserv share for over three years. Every month, over a million users in India trust us to analyse market trends and identify the best investment opportunities. Our analyses are for informational purposes only and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, paid by Bajaj Finserv.

What is Bajaj Finserv?

Bajaj Finserv stock price

The price of Bajaj Finserv stock is falling this week. The current price is ₹1,980.70, showing a 24-hour decrease of ₹27.20 (-1.35%) and a weekly decline of 1.55%. Market capitalization now stands at ₹3,16,479 crores, with an average three-month trading volume of 1.2 million shares. The Price/Earnings (P/E) ratio is 35.7, dividend yield is 0.05%, and the stock’s beta is 1.15, indicating higher volatility than the market. Investors should be mindful of short-term fluctuations but note the company’s long-term growth ambitions.

Our full analysis of the Bajaj Finserv stock

Following our review of Bajaj Finserv’s latest financial results and a comprehensive look at its stock performance across the past three years, we have synthesized findings from proprietary algorithms and multiple sources: tracking financial indicators, technical signals, market trends, and competitive metrics. The analysis leverages a wide spectrum of data to identify key bullish factors and sector context. So, why might Bajaj Finserv stock once again become a strategic entry point into the Indian financial sector in 2025?

Recent performance and market context

Bajaj Finserv has exhibited impressive resilience and upward momentum over the past year, outperforming many peers in India’s vibrant financial sector. Despite a minor correction recently, the stock currently trades at ₹1,980.70, representing a strong 16.5% gain over six months and an impressive 25.4% rise over the last year. The recent softness in weekly performance (-1.55%) is commonplace after periods of strong rallies, reflecting a healthy market rotation. Notably, Q4 FY2025 results dispelled concerns about cyclical slowdowns, as Bajaj Finserv once again delivered double-digit revenue and earnings growth (+14.2% year on year revenue, +16.4% net profit). Ambitious corporate objectives, such as the goal to grow the customer base to 250 million by 2029, and recent strategic appointments—including Lakshmi Iyer as Group President – Investments—reflect ongoing management confidence and long-term vision. The Indian macro backdrop remains highly favorable, with robust economic growth, financial inclusion policies, and a rapidly expanding middle class providing tailwinds for diversified financial conglomerates such as Bajaj Finserv.

Technical analysis

Despite some short-term technical selling pressure, several indicators suggest Bajaj Finserv may be close to an attractive re-entry point. The Relative Strength Index (RSI) currently stands at 28.45—a clear oversold zone, offering statistically compelling bounce-back potential for medium-to-long-term investors. The MACD remains in negative territory (-13.62), confirming the current correction, but such readings historically precede sharp recoveries when accompanied by strong fundamentals. All major moving averages (MA5, MA20, MA50, MA200) are currently being tested, with the share price oscillating just above key support levels (notably ₹1,977.60 on the daily chart). Historically, these correction phases have presented high-probability upside setups for seasoned investors, particularly in stocks with Bajaj Finserv’s quality profile. The 52-week support at ₹1,523.25 remains distant, indicating significant downside buffer. Market sentiment, while neutral in the very short term, is warming on the stock’s structural outlook, as evidenced by consensus price targets clustered 30% above spot.

Fundamental analysis

From a fundamental standpoint, Bajaj Finserv remains one of India’s most dynamic and attractive financial powerhouses. The group’s Q4 FY2025 revenues surged to ₹36,595 crores—a 14.2% year-over-year increase—while profitability indicators remain robust: EBITDA improved to ₹12,728.57 crores and quarterly net profit reached ₹4,756 crores (+16.4% year over year). Such growth is underpinned by the group’s unique, multi-pronged business model spanning life insurance, general insurance, and mass-market retail finance—positioning the company as a one-stop gateway into India’s exponential financial inclusion story. The stock trades at a P/E of 35.7, a premium justified by historical CAGR in earnings (21% over five years), strong Return on Equity (13.4%), and continued outperformance relative to competitors. Bajaj Finserv’s management is executing an aggressive but controlled growth plan, with ongoing negotiations to take full control of its life and general insurance subsidiaries, further expanding earnings potential. The company’s scale, diversified product offerings, and sustained innovation—especially the adoption of AI in financial services—fortify its market-leading status and reduce cyclicality risk.

Volume and liquidity

Market confidence in Bajaj Finserv remains unshaken, evidenced by consistent and healthy trading volumes. The stock averages 1.2 million shares traded daily (NSE+BSE combined), a figure that speaks to the deep market for this scrip and ensures efficient price discovery. Institutional interest remains significant, supported by a robust public float and strong promoter holding (60.6%). Such liquidity not only offers confidence to active institutional investors but also provides retail participants easy entry and exit, minimizing price impact during rebalancing or when entering at key technical lows. High liquidity and favorable float conditions are key hallmarks of stocks able to sustain dynamic valuations in fast-moving environments.

Catalysts and positive outlook

Bajaj Finserv stands at the convergence of several structural and tactical growth catalysts. Foremost, the company’s drive to add over 100 million new clients by 2029 underpins a medium-term runway for above-market growth, while new product launches in insurance and consumer finance continue to expand addressable markets. Innovation remains central: Bajaj Finserv’s investments in artificial intelligence, digital customer experiences, and cyber-resilience are positioning it as a technology-forward leader within Indian finance. M&A tailwinds, including ongoing negotiations with Allianz SE to strengthen control of insurance operations, signal possible value-unlocking events. Sectorwise, Bajaj Finserv is poised to benefit from both the expansion of India’s financial services market and favorable government policies promoting financial inclusion, insurance penetration, and digitalization. Environmental, Social, and Governance (ESG) initiatives—such as sustainable finance solutions and digital outreach programs into underserved rural regions—enhance the company’s long-term appeal, aligning with both domestic priorities and global investor expectations.

Investment strategies

• Short term (swing trading): Technical oversold conditions, combined with major support at current levels, suggest high-probability bounce opportunities. Entry near ₹1,980 offers an asymmetric risk/reward setup.
• Medium term (position trading): Structural earnings growth, major upcoming catalysts (insurance M&A, new products), and market rotation into high-quality financials set the stage for continued outperformance. Targeting the consensus price objective of ₹2,575 aligns with sector multiples and the company’s history of exceeding estimates.
• Long term (core holding): Bajaj Finserv stands out as one of India’s preeminent financial conglomerates, delivering compound annual revenue and earnings growth of over 20% for five years, with a best-in-class management team and resilient margin structures. Investors seeking exposure to India’s decades-long consumption and financialization wave will find Bajaj Finserv an exceptional anchor position in any diversified portfolio.

Is it the right time to buy Bajaj Finserv?

Bajaj Finserv’s combination of strong business fundamentals, resilient growth, and growing market opportunities clearly justify renewed interest at current levels. The stock is emerging from a technical correction, with sharp rebounds historically following similar oversold readings and strong fundamental support. Management’s ambitious expansion plans, strategic moves in insurance, and relentless focus on digital innovation present a rare alignment of tactical and long-term opportunity. Liquidity, institutional support, and robust governance provide further tailwinds to dynamic valuation and entry. While valuation remains at a premium, this reflects the exceptional growth profile and premium positioning within the financial sector.

For investors seeking exposure to India’s financial transformation, Bajaj Finserv seems to represent an excellent opportunity at this technical juncture. Current fundamentals, clear management vision, and upcoming catalysts suggest the stock may be entering a new bullish phase within the Indian financial services sector. Investors would do well to follow this market leader closely, with its unique mix of scale, innovation, and growth offering convincing reasons for renewed optimism and consideration.

How to buy Bajaj Finserv stock?

Buying Bajaj Finserv stock online is both simple and safe when you invest through a regulated broker in India. There are two main ways to gain exposure: buying the shares outright (spot/cash purchase), or trading their price movements with Contracts for Difference (CFDs). Each approach offers its own advantages and costs, making them accessible even for first-time investors. For more on choosing the right broker for Bajaj Finserv, see our detailed comparison further down the page.

Spot buying

A cash (spot) purchase of Bajaj Finserv means you are directly buying and owning the shares listed on NSE or BSE. You pay the full share price, along with a typical fixed commission of around ₹300–₹500 per order (or about $5). Ownership entitles you to dividends, voting rights, and participation in the company’s long-term growth.

Gain Scenario: Bajaj Finserv Share Investment

If the Bajaj Finserv share price is ₹1,980.70 INR, with a $1,000 (about ₹83,000) stake, you can buy around 41 shares (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 allows you to speculate on the price of Bajaj Finserv shares without owning them. CFDs are leveraged products—meaning you can amplify your exposure. Fees include the spread (difference between buy/sell price) and overnight financing charges if you hold positions longer than a day. While you don’t become a shareholder, you can profit from both rising and falling prices.

CFD Position Gain Scenario

You open a CFD position on Bajaj Finserv shares with a $1,000 deposit and 5x leverage. This gives you 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, carefully compare broker fees, trading conditions, and platform reliability—each can have a real impact on your returns. Your choice between spot buying and CFD trading should reflect your risk profile and whether you prefer direct, long-term ownership or active, leveraged trading. A full broker comparator is available further down the page to help you decide with confidence.

Our 7 tips for buying Bajaj Finserv stock

The latest news about Bajaj Finserv

Bajaj Finserv sets its sights on reaching 250 million customers within four years, reinforcing growth vision. This ambitious target, announced in July 2025, highlights Bajaj Finserv’s continued push to expand its presence and influence in the Indian financial sector. The plan is expected to boost overall revenues and strengthen the company’s market leadership across retail financing, life insurance, and general insurance.

The company posted solid Q4 FY2025 financial results, registering strong double-digit revenue and earnings growth. Bajaj Finserv reported quarterly revenue of ₹36,595 crores (up 14.21% year-on-year) and net profit of ₹4,756 crores (up 16.4%). These results beat analyst estimates and confirm the company’s ongoing operational strength in its core business segments, reflecting robust demand for its diversified financial products in India.

Lakshmi Iyer is appointed Group President – Investments, with effect from August 1, 2025, strengthening leadership. This high-profile appointment is expected to bring new strategic insights and further professionalize the investment management arm of Bajaj Finserv, supporting better capital allocation and long-term growth ambitions in the increasingly competitive Indian financial marketplace.

Despite a minor weekly decline, Bajaj Finserv’s stock price remains up over 25% year-on-year. The stock is currently trading in the range of ₹1,980, having gained ₹400.95 over the past 12 months, and has also risen 16.47% over six months. This strong performance, aided by positive company developments and Indian market momentum, underlines persistent investor confidence.

Bajaj Finserv’s robust digital and product diversification strategy positions it well amid India’s evolving regulatory environment. With active expansion into digital insurance, lending innovations, and negotiations for complete control over insurance operations, Bajaj Finserv continues to adapt, diversify its revenue streams, and comply successfully with evolving SEBI and IRDAI norms, solidifying its role as a leading Indian financial conglomerate.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.