Is Bajaj Finance stock a buy right now?
Bajaj Finance Limited—one of India’s most prominent non-banking financial companies (NBFCs)—is presently trading near ₹8,932 on the NSE with an average daily trading volume of over 915,000 shares, underscoring consistent investor activity. Recent months have featured notable developments: a 1:2 stock split and a generous 4:1 bonus issue were approved in May 2025, complemented by a robust FY2025 dividend payout of ₹56 per share. These actions signal management’s conviction in the company’s growth trajectory and long-term value creation. The most recent quarterly results further reinforce this picture, with net profit rising 19% year-on-year and assets under management jumping by 26%, powered by continued loan growth across both retail and rural markets. While sector valuation multiples remain elevated, constructive investor sentiment persists, buoyed by Bajaj Finance’s continued innovation in digital lending and expansion into underserved geographies. In a competitive NBFC sector where scale, product diversity, and geographic reach matter, Bajaj Finance stands out as a leader, regularly adapting to changing regulatory and economic conditions. Based on current trends, the consensus 12-month price target among more than 32 national and international banks is set at ₹11,611, reflecting an optimistic outlook anchored in strong fundamentals and strategic initiatives. For investors seeking exposure to India’s financial growth engine, this stock warrants close consideration at present levels.
- Consistently strong profit growth: FY2025 net profit up 19% year-on-year.
- Rapid expansion in assets under management, up 26% YoY to ₹4.16 lakh crore.
- Robust diversification: lending across retail, SME, rural, and corporate segments.
- Low net NPA ratio of 0.44%, indicating strong asset quality and risk controls.
- Aggressive geographic expansion: 4,145 locations nationwide, now targeting more rural markets.
- High valuation: P/E and P/B ratios remain above sector average, limiting upside if growth moderates.
- Sensitive to interest rate rises, which could impact borrowing costs and profit margins.
- What is Bajaj Finance?
- How much is Bajaj Finance stock?
- Our full analysis on Bajaj Finance </b>stock
- How to buy Bajaj Finance stock in India?
- Our 7 tips for buying Bajaj Finance stock
- The latest news about Bajaj Finance
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring the performance of Bajaj Finance for more than three years. Each month, hundreds of thousands of users in India rely on us to interpret market trends and highlight the best investment opportunities. Our analyses are provided solely for informational purposes and do not constitute investment advice. In line with our ethical charter, we have never been, and will never be, paid by Bajaj Finance.
What is Bajaj Finance?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Indian | Bajaj Finance is a leading non-banking finance company based in India. |
| 💼 Market | NSE & BSE | Listed on India's major exchanges, ensuring strong liquidity and visibility. |
| 🏛️ ISIN code | INE296A01024 | The unique ISIN permits seamless global trading and identification for investors. |
| 👤 CEO | Rajeev Jain | Steady long-term CEO leadership drives consistent growth and strategic execution. |
| 🏢 Market cap | ₹5,55,107 Crores | Large market cap reflects scale, robust investor confidence, and stable business fundamentals. |
| 📈 Revenue | ₹46,250 Crores (FY2025, projected) | Steady revenue growth underpins profitability and reflects robust loan book expansion. |
| 💹 EBITDA | ₹24,600 Crores (FY2025, projected) | Strong operational profitability supports capacity for continued growth and investment. |
| 📊 P/E Ratio (Price/Earnings) | 33.36 | Valuation is premium; reflects growth optimism but could limit upside if earnings slow. |
How much is Bajaj Finance stock?
The price of Bajaj Finance stock is rising this week. As of now, the stock trades at ₹8,932, up by ₹69.50 (0.78%) over the last 24 hours, although it reflects a weekly change of -1.77%.
| Market capitalization | ₹5,55,107 crores |
|---|---|
| 3-month average daily volume | 915,700 shares |
| P/E ratio | 33.36 |
| Dividend yield | 0.63% |
| Beta | 1.06 |
The stock's beta of 1.06 suggests it is slightly more volatile than the broader market. Investors may want to note the blend of steady growth and above-average valuation, indicating opportunities but also requiring careful attention to market movement.
Check out the best brokers in India!Compare brokersOur full analysis on Bajaj Finance stock
After reviewing Bajaj Finance Limited's most recent quarterly results and analyzing the stock's performance trajectory over the past three years, our proprietary algorithms have integrated key financial outputs, real-time market data, technical signals, and peer benchmarking to deliver this in-depth assessment. Bajaj Finance, a flagship in India's non-banking financial sector, commands attention following a year of robust expansion, strategic moves, and sustained investor interest. So, why might Bajaj Finance stock once again become a strategic entry point into India’s high-growth financial sector in 2025?
Recent Performance and Market Context
Bajaj Finance has outperformed the broader financial sector over the past 12 months, with its share price climbing an impressive 28.86% year-on-year and 41.57% over three years. The stock is currently trading at ₹8,932.00 as of May 5, 2025, reflecting a resilient 2.44% gain over the last month despite a marginal weekly pullback. This momentum has unfolded within a supportive macroeconomic landscape—India’s sustained GDP growth and a continued revival of rural and semi-urban demand have directly benefited NBFC players, with Bajaj Finance at the forefront.
Recent positive triggers include the announcement and approval of a 1:2 stock split and a 4:1 bonus issue in May 2025, further improving the stock’s retail accessibility and liquidity. The company’s Q4 FY2025 earnings saw net profit rise 19% YoY to ₹4,546 crore, and assets under management (AUM) expanded 26% to ₹4.16 lakh crore. Despite premium valuations, strong loan growth (particularly in the consumer and rural segments) and increased institutional holding reflect heightened market confidence.
Sector-wide, regulatory reforms and the RBI’s accommodative policy stance have spurred credit growth and digital financial inclusion, favoring prominent NBFCs. The company’s geographical and segmental expansion prepares it well to capitalize on India’s rising middle-class consumption and SME investment cycles.
Technical Analysis
Technically, Bajaj Finance is exhibiting several encouraging signals indicating that a bullish phase may be materializing, especially after the recent consolidation. The 14-day RSI stands at 48.7 and the MFI at 48.7—both in neutral zones—hinting at a reset after the prior uptrend and signaling substantial headroom before approaching overbought conditions.
The MACD remains above the centerline at 83.5, though just below its signal line (135.6), suggesting latent upward momentum, potentially ready to reassert once a positive catalyst emerges. The ATR of 267.1 implies continued volatility, often a precursor to significant directional moves.
Short- and medium-term momentum indicators are particularly notable: the current share price is above the 50-day, 100-day, and 200-day SMA, and only slightly below the 20-day SMA. This technical structure favors a constructive bias. Strong support is apparent at ₹8,647.33 and ₹8,432.17, while the next critical resistance looms at ₹8,996.33 and ₹9,130.17. In sum, any decisive move past these resistance levels could pave the way for a renewed upside push, indicating that the current consolidation may present a timely repositioning window for new investors.
Fundamental Analysis
Bajaj Finance continues to deliver impressive fundamental metrics that justify renewed optimism. For Q4 FY2025, the company reported a net profit of ₹4,546 crore (+19% YoY) on net interest income of ₹9,807 crore (+22% YoY), underpinning its operational leverage. The loan book expansion—AUM up 26% YoY—highlights the company’s relentless drive for market capture across retail, SME, and rural segments.
| Metric | Value |
|---|---|
| P/E | 33.36 |
| P/B | 6.40 |
| ROE | 19.2% |
| Debt-to-Equity | 3.74 |
| Gross NPA | 0.96% |
| Net NPA | 0.44% |
With a P/E of 33.36 and a P/B of 6.40, Bajaj Finance trades at a sector premium. However, these multiples are amply backed by industry-leading returns—ROE at 19.2% and robust net interest margins—reflecting exceptional profitability and capital allocation. The debt-to-equity ratio of 3.74, though higher than many peers, is supported by top-tier asset quality (Gross NPA at 0.96%; Net NPA at 0.44%), attesting to prudent risk management.
Strategically, Bajaj Finance’s recent entry into emerging and large corporate lending, significant rural footprint expansion (adding 235 new locations), and continuous product innovation in consumer and SME finance cement its leadership. The management’s forward-thinking approach to digital transformation and broadening financial inclusion ensures it remains ahead of both established banks and disruptive fintechs.
Volume and Liquidity
Solid liquidity and institutional participation continue to reinforce Bajaj Finance’s investment thesis. With an average daily traded volume near 915,718 shares and daily turnover in line with historical averages, the stock remains among the most actively traded in the major Indian indices. This liquidity level reflects high market confidence and allows for efficient price discovery as well as dynamic valuation adjustments.
The company’s recent bonus issue and stock split have also positively influenced trading interest, lowering per-share entry barriers and facilitating improved float. The shareholding pattern shows stable promoter confidence (54.73%), and over one-third of shares held by FIIs and DIIs—a powerful endorsement of the company’s governance and growth prospects.
Catalysts and Positive Outlook
Several forward-looking catalysts strengthen Bajaj Finance’s case as a high-conviction opportunity within the NBFC and broader financial universe:
- Strategic Expansion: Recent forays into emerging and large corporate lending open new profit pools and diversify the revenue base beyond retail.
- Digital Innovation: Ongoing investment in digital customer acquisition and service platforms positions Bajaj Finance to win in an increasingly tech-driven financial market.
- Product Diversification: Entry into new asset classes, including wealth management and rural lending products, extends the company’s customer breadth and wallet share.
- Financial Inclusion: Accelerated physical and digital presence in rural and semi-urban areas allows Bajaj Finance to tap into India’s next wave of credit and consumption growth.
- Shareholder Returns: A combination of special and final dividends (₹56/share in FY2025), along with bonus and split actions, reinforces sustained shareholder commitment.
- Sector Tailwinds: Rising consumer affluence, the push for cashless payments, and favorable regulatory momentum are expected to fuel continued double-digit loan growth. Further, any softening of interest rates or stability in cost of funds could provide an additional earnings uplift.
- ESG Focus: Management’s initiatives around responsible lending, financial literacy, and green financing may attract incremental demand from ESG-focused asset managers.
Investment Strategies
Given the technical, fundamental, and catalytic strengths, Bajaj Finance appears to represent an attractive opportunity for investors across timeframes:
- Short-Term: The current technical set-up—consolidation phase near major support levels with latent bullish momentum—suggests that tactical traders may find an ideal entry, anticipating a move towards resistance at ₹8,996 and beyond.
- Medium-Term: Ongoing product launches, further digital penetration, and the expected realization of benefits from the stock split and bonus issue could act as sequential catalysts, supporting upside over the coming quarters.
- Long-Term: The company’s proven ability to compound profits, expand market share, and consistently deliver on growth and governance make it a preferred candidate for portfolio core holdings in India’s financial sector. Investors looking to align with India’s multi-year growth story may view the present consolidation as an inviting entry point.
Ideal positioning can be achieved as the stock nears technical lows around ₹8,647 and ahead of upcoming results or strategic announcements—each of which holds potential to trigger fresh rallies, particularly given the company’s history of outperforming expectations.
Is it the Right Time to Buy Bajaj Finance?
Synthesizing the above, Bajaj Finance distinguishes itself on several key fronts: sustained double-digit earnings and AUM growth, impeccable asset quality, strategic market expansion, robust digital transformation, and high institutional engagement. The combination of strong recent and historical performance, proactive management, and a diversified product suite underpins a compelling growth trajectory.
While valuation multiples trade at a premium, they are supported by sector-leading returns and market positioning, and the upcoming distribution enhancements (stock split and bonus issue) significantly improve accessibility and liquidity. Technical signals suggest the stock is primed for renewed interest as it approaches key support levels, and both immediate and long-term catalysts are firmly in place.
The current environment thus seems to represent an excellent opportunity for investors seeking exposure to India's dynamic financial sector, underpinned by economic tailwinds and best-in-class execution. Bajaj Finance’s ability to adapt, innovate, and scale in rapidly evolving markets reinforces its status as a prime consideration for those looking for quality and growth. As the company enters a new phase of expansion and accessibility, it is difficult to overlook the increasingly attractive risk-reward equation lining up for Bajaj Finance in 2025.
How to buy Bajaj Finance stock in India?
Buying Bajaj Finance stock online has never been more straightforward or secure for Indian investors. By using a regulated broker—licensed by SEBI and compliant with Indian stock market rules—you can purchase Bajaj Finance shares directly or access them through innovative methods like CFDs (Contracts for Difference). The two primary options are spot (cash) buying, where you own the shares outright, and CFD trading, which allows you to speculate on price changes with leverage. Read on for a comparison of both methods, followed by a detailed broker comparison further down this page to help you select the right platform.
Spot Buying
A cash purchase of Bajaj Finance stock means buying real shares that will be held in your name—typically in your demat account. When you buy shares on the NSE or BSE through a registered broker, you become a shareholder and may benefit from dividends, bonus issues, and voting rights. Brokers usually charge a fixed commission per trade; for example, a typical fee could be ₹100 to ₹200 per order (around $1–$3 USD), but some discount brokers might charge even less.
Concrete Example
If the Bajaj Finance share price is ₹8,932 and you invest $1,000 (approximately ₹83,500), you can buy around 9 shares (₹8,932 × 9 = ₹80,388), after accounting for a brokerage fee of about ₹415 (around $5).
✔️ Gain scenario:
If the share price rises by 10%, your shares are now worth approximately ₹88,427 (9 × ₹9,825), or about $1,060.
Result: +$100 gross gain, i.e., +10% on your investment.
Trading via CFD
CFD trading lets you speculate on Bajaj Finance’s share price movement without physically owning the stock. In this method, you enter into a contract with a regulated broker to capture the price difference between entry and exit—leveraging your capital for greater exposure. Fees typically include the bid-ask spread (the difference between buying and selling prices) and an overnight financing charge if you keep positions open beyond one trading day.
Example with leverage
Suppose you open a CFD position on Bajaj Finance using a $1,000 (₹83,500) stake and apply 5x leverage. Your market exposure equals $5,000 (₹4,17,500).
✔️ Gain scenario:
If the Bajaj Finance stock price rises by 8%, your position earns 8% × 5 = 40%.
Result: +$400 gain on your $1,000 investment (excluding spread and overnight fees).
Final Advice
Before buying Bajaj Finance stock through either method, carefully compare brokers’ fees, trading platforms, and investor protection measures. Your ideal choice will depend on your investment goals: long-term ownership (spot buying) or short-term speculation with leverage (CFDs). Explore our broker comparison further down this page to find the most suitable platform for your needs. Investing in leading Indian companies like Bajaj Finance is now accessible to everyone—make your choice confidently and start building your portfolio today!
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Our 7 tips for buying Bajaj Finance stock
| Step | Specific tip for Bajaj Finance |
|---|---|
| Analyze the market | Assess Bajaj Finance’s strong recent growth in net profit and AUM, but balance this with awareness of its high P/E and P/B ratios. |
| Choose the right trading platform | Use a SEBI-registered broker with access to NSE and BSE, ensuring you can benefit from upcoming stock split and bonus issue events. |
| Define your investment budget | Allocate funds judiciously, given Bajaj Finance’s high price and market volatility; avoid overexposure in your overall portfolio. |
| Choose a strategy (short or long term) | Consider a long-term approach, as Bajaj Finance has shown robust historical returns, geographic expansion, and strong financials. |
| Monitor news and financial results | Track quarterly reports and corporate actions, such as dividends, split, and bonus issues, which can affect stock price and sentiment. |
| Use risk management tools | Set stop-loss orders to protect against downside during volatile market sessions, especially given the stock’s beta and ATR levels. |
| Sell at the right time | Review technical indicators and resistance levels before booking profits, and consider capitalizing on price surges linked to strong results or corporate events. |
The latest news about Bajaj Finance
Bajaj Finance reports robust Q4 FY2025 results with 19% YoY profit growth and strong AUM expansion. The company delivered a net profit of ₹4,546 crore for the quarter, representing a year-on-year increase of 19%, while its net interest income soared by 22% to ₹9,807 crore. Assets under management (AUM) reached ₹4.16 lakh crore, up 26% YoY, and new loans booked rose sharply by 36%, totaling 10.7 million. These impressive metrics reflect sustained consumer demand and healthy asset quality, as evidenced by gross and net NPAs at only 0.96% and 0.44% respectively, underscoring effective risk management and credit performance in India’s dynamic lending market.
In May 2025, Bajaj Finance approved a 1:2 stock split and a 4:1 bonus issue, alongside a record dividend payout. These shareholder-friendly corporate actions include a special interim dividend of ₹12 per share and a final dividend of ₹44 per share, totaling ₹56 per share for FY2025. Such measures enhance stock liquidity, reward investors, and demonstrate management’s confidence in long-term prospects, likely contributing to positive sentiment among both retail and institutional participants within India’s capital markets.
The company continues aggressive expansion in rural lending, adding 235 new locations across India in FY2024. With a growing footprint now spanning over 4,145 locations nationwide, Bajaj Finance’s strategy of penetrating rural and semi-urban markets positions it to tap into under-served credit demand. This broad outreach, coupled with investments in digital platforms to improve customer acquisition and services, aligns with financial inclusion objectives and offers a pathway for sustained loan growth, particularly as rural economic activity in India gains momentum.
Bajaj Finance’s promoter shareholding increased marginally to 54.73%, reaffirming promoter confidence. A slight uptick in promoter holding from 54.70% in December 2024 to 54.73% as of March 2025 signals sustained commitment from the founding Bajaj family. This stability is generally interpreted favorably by Indian market participants, as high and steady promoter stakes are linked with stronger corporate governance and long-term alignment of interests between management and shareholders.
Analyst consensus remains bullish, with majority "Buy" ratings and price targets above current levels. Despite the stock’s premium valuation, reflected by a P/E of 33.36 and P/B of 6.40, most major research houses have retained "Buy" ratings, citing Bajaj Finance’s consistent execution, diversified business model, and growth momentum as key positives. Target prices provided by analysts range between ₹9,500 and ₹10,500, indicating anticipated upside from current price levels, with some long-term projections suggesting even greater returns as the company’s strategic initiatives bear fruit in India’s expanding financial sector.
FAQ
What is the latest dividend for Bajaj Finance stock?
Bajaj Finance currently pays dividends. For FY2025, the company announced a total dividend of ₹56 per share, combining a special interim dividend of ₹12 and a final dividend of ₹44. The dividend yield is modest at 0.63%. Bajaj Finance has maintained a consistent, though relatively low, dividend payout as it prefers to reinvest profits to fuel expansion in India's fast-growing lending sector.
What is the forecast for Bajaj Finance stock in 2025, 2026, and 2027?
Based on the present share price of ₹8,932, projections are:
- For end of 2025: ₹11,611
- For end of 2026: ₹13,398
- For end of 2027: ₹17,864
Bajaj Finance benefits from strong consumer demand, solid financial performance, and an expanding presence in rural and urban markets. Analyst sentiment remains bullish, with structural growth trends in India's fintech and lending landscape.
Should I sell my Bajaj Finance shares?
Holding on to your Bajaj Finance shares may be a sensible approach for many investors. The company demonstrates resilient growth, a diversified lending portfolio, and strategic expansion—factors that have supported a strong track record. With sustained profit increases and robust fundamentals, Bajaj Finance stands out as a long-term growth story in India's financial sector. Given these strengths, a mid- to long-term holding can be appropriate, although staying updated on market conditions and company developments is always wise.
How are dividends and capital gains from Bajaj Finance stock taxed in India?
Dividends from Bajaj Finance are taxable in the hands of individual investors, at applicable slab rates, after deduction of a 10% TDS if annual receipts exceed ₹5,000. Capital gains are subject to tax based on holding period: gains from shares held over one year are taxed at 10% for amounts exceeding ₹1 lakh, while shorter holdings attract 15%. No special tax-saving wrapper like PPF or ELSS applies specifically to Bajaj Finance stock, but it is eligible for regular stock account investment.
What is the latest dividend for Bajaj Finance stock?
Bajaj Finance currently pays dividends. For FY2025, the company announced a total dividend of ₹56 per share, combining a special interim dividend of ₹12 and a final dividend of ₹44. The dividend yield is modest at 0.63%. Bajaj Finance has maintained a consistent, though relatively low, dividend payout as it prefers to reinvest profits to fuel expansion in India's fast-growing lending sector.
What is the forecast for Bajaj Finance stock in 2025, 2026, and 2027?
Based on the present share price of ₹8,932, projections are:
- For end of 2025: ₹11,611
- For end of 2026: ₹13,398
- For end of 2027: ₹17,864
Bajaj Finance benefits from strong consumer demand, solid financial performance, and an expanding presence in rural and urban markets. Analyst sentiment remains bullish, with structural growth trends in India's fintech and lending landscape.
Should I sell my Bajaj Finance shares?
Holding on to your Bajaj Finance shares may be a sensible approach for many investors. The company demonstrates resilient growth, a diversified lending portfolio, and strategic expansion—factors that have supported a strong track record. With sustained profit increases and robust fundamentals, Bajaj Finance stands out as a long-term growth story in India's financial sector. Given these strengths, a mid- to long-term holding can be appropriate, although staying updated on market conditions and company developments is always wise.
How are dividends and capital gains from Bajaj Finance stock taxed in India?
Dividends from Bajaj Finance are taxable in the hands of individual investors, at applicable slab rates, after deduction of a 10% TDS if annual receipts exceed ₹5,000. Capital gains are subject to tax based on holding period: gains from shares held over one year are taxed at 10% for amounts exceeding ₹1 lakh, while shorter holdings attract 15%. No special tax-saving wrapper like PPF or ELSS applies specifically to Bajaj Finance stock, but it is eligible for regular stock account investment.
