Is Bajaj Finserv stock a buy right now?
As of early May 2025, Bajaj Finserv Ltd is trading at approximately ₹2,026 on the National Stock Exchange, with an average three-month daily volume around 3.4 million shares. Over the past year, Bajaj Finserv has delivered a robust return of almost 29.5%, buoyed by consistent double-digit growth in both revenue and profit. Notably, the ongoing acquisition of Allianz SE's minority stakes in its insurance subsidiaries marks a transformational move, paving the way for greater operational control and agility in an evolving insurance landscape. While technical indicators suggest some near-term consolidation, long-term sentiment remains constructive, driven by strong fundamentals and effective digital transformation initiatives. Bajaj Finserv’s expansive portfolio—from retail lending to insurance and fast-growing digital ventures—places it at the forefront of India’s financial sector, which continues to benefit from rising financial inclusion and a maturing consumer base. Reflecting confidence from more than 30 national and international banks, the current consensus stands at a target price of ₹2,635 per share. As Bajaj Finserv fortifies its leadership and readies for the next phase of growth, investors may view this consolidation as an opportune moment for careful consideration.
- Diversified financial portfolio ensures stable growth across lending, insurance, and wealth management.
- Consistently delivers strong revenue and profit growth, with FY25 income up 21% year-on-year.
- Full control of insurance subsidiaries offers greater agility and long-term strategic flexibility.
- Well-capitalised, with solvency ratios exceeding 300%—well above regulatory norms.
- Leadership in digital financial services and recent expansion into mutual funds and healthcare.
- Relatively high valuation with P/E at 36.46 and price-to-book at 4.48.
- Dividend yield remains very low, which may not appeal to income-seeking investors.
- What is Bajaj Finserv?
- How much is Bajaj Finserv stock?
- Our full analysis on Bajaj Finserv </b>stock
- How to buy Bajaj Finserv stock in India?
- Our 7 tips for buying Bajaj Finserv stock
- The latest news about Bajaj Finserv
- FAQ
Why trust HelloSafe?
At HelloSafe, our experts have been analysing the performance of Bajaj Finserv for over three years. Every month, lakhs of users across India rely on us to interpret market trends and spot the best investment opportunities. Our analysis is provided for informational purposes only and does not constitute investment advice. In line with our ethical guidelines, we have never been, and will never be, compensated by Bajaj Finserv.
What is Bajaj Finserv?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Indian | Headquartered in India, Bajaj Finserv serves one of the world's fastest-growing financial markets. |
| 💼 Market | NSE (National Stock Exchange of India) | Bajaj Finserv is listed on India's leading stock exchanges, ensuring high visibility and liquidity. |
| 🏛️ ISIN code | INE918I01026 | Unique identifier for trading and clearing the stock globally. |
| 👤 CEO | Sanjiv Bajaj | Strong leadership with a focus on innovation and digital transformation across business verticals. |
| 🏢 Market cap | ₹3,12,626 Crore (~$37.5 billion) | Large-cap company, indicating strong market leadership and stability for long-term investors. |
| 📈 Revenue | ₹1,33,821 Crore (FY25) | Solid 21% annual growth demonstrates efficient operations and consistent business expansion. |
| 💹 EBITDA | Not separately disclosed (holding company) | EBITDA is not reported for holdings; profitability shown via strong consolidated net profit. |
| 📊 P/E Ratio (Price/Earnings) | 36.46 | High valuation reflects premium for growth, but poses a concern if earnings growth slows. |
How much is Bajaj Finserv stock?
The price of Bajaj Finserv stock is rising this week. As of now, the stock trades at ₹2,026.20, reflecting a 24-hour gain of ₹68.20 (+3.48%) and a weekly increase of nearly 2%.
| Metric | Value |
|---|---|
| Market capitalization | ₹3,12,626 crore |
| 3-month average trading volume | 3.46 million shares |
| P/E ratio | 36.46 |
| Dividend yield | 0.05% |
| Beta | 1.11 |
Bajaj Finserv boasts a healthy market capitalization and an average trading volume, but investors should note the relatively high P/E ratio and modest dividend yield. The stock’s beta of 1.11 indicates slightly higher volatility than the broader market.
While recent momentum remains positive, the stock’s valuation and moderate volatility suggest it is suited to investors with a medium- to long-term growth outlook.
Check out the best brokers in India!Compare brokersOur full analysis on Bajaj Finserv stock
Having carried out an integrated review of Bajaj Finserv’s latest quarterly and annual financial results alongside a rigorous three-year evaluation of the stock’s market performance, and leveraging proprietary multi-factor models blending financial ratios, technical momentum, sector dynamics, and peer benchmarking, we identify Bajaj Finserv as a company sitting at the intersection of robust fundamentals and strategic transformation. As the competitive landscape in Indian financial services undergoes rapid innovation and consolidation, well-capitalized market leaders such as Bajaj Finserv may be uniquely poised for re-rating and renewed investor attention. So, why might Bajaj Finserv once again become a strategic entry point into the financial sector for forward-looking investors in 2025?
Recent Performance and Market Context
Bajaj Finserv’s stock has delivered an impressive performance over the past year, gaining nearly 30%—outperforming benchmark indices and many sector peers. The stock closed at ₹2,026.20 on May 5, 2025, registering a robust 3.48% single-day uptick, propelled by upbeat Q4/FY25 results and positive management commentary on growth prospects. Over the past six months, Bajaj Finserv has climbed 16.8%, with a 3-month return of 15.40%, standing out amid market volatility and sector divergences.
Recent positive events include:
- Strong Q4 FY25 Results: Income and net profit rose by 14.2% and 16.4% YoY, respectively, highlighting continued operational momentum.
- Expansion of Control: The much-anticipated acquisition of Allianz’s stake in Bajaj’s insurance subsidiaries was announced, unlocking full decision-making autonomy, faster product innovation, and immediate scalability in under-penetrated segments like insurance and health.
- Strategic Acquisitions: The group’s foray into health administration via the Vidal Health acquisition and the ramp-up of its mutual fund platform signal successful diversification and a broadening addressable market.
From a sector perspective, a growing middle-class, digital adoption tailwinds, and policy-driven initiatives to deepen insurance and credit penetration set a supportive macro backdrop. Notably, Bajaj Finserv’s well-diversified operating model across lending, insurance, asset management, and digital platforms positions it to benefit from both cyclical economic upswings and long-term trends in Indian financial services.
Technical Analysis
Recent price action indicates an intriguing technical setup. Short-term moving averages (5, 10, and 20-day) are showing consolidation after the stock’s strong April rally, with signals tilting bearish in the very near term—suggesting Bajaj Finserv has entered a healthy pause following its recent upward move. However, the medium- to long-term moving averages (50, 100, and 200-day) remain emphatically bullish, underscoring strong structural support and positive momentum.
Key technical observations:
- Relative Strength Index (RSI 14): At 48.1, the RSI signals a neutral stance, implying balanced buying and selling pressure. It sits just below 50, a possible prelude to a reversal if upward momentum resumes.
- MACD: The level of -9.82 indicates near-term consolidation. Historically, similar setups have preceded trend reversals for the stock.
- Support and Resistance Levels: Strong support is evident at ₹1,912 and secondary support at ₹1,872. Meanwhile, overhead resistance near ₹2,005 and ₹2,059 suggests that a breakout above these could open the door to another leg up, particularly in anticipation of post-acquisition integration or positive regulatory developments.
- Volatility (ATR 14): At 64.12, Bajaj Finserv remains volatile—a hallmark of stocks in accumulation phases before large directional moves.
- ADX (14) at 19.11: This indicates a weak trend, also supportive of the view that the stock is building a base before the next potential rally.
In summary, the technical profile suggests consolidation at higher levels within a longer-term bullish structure—generally considered a constructive setup for medium-term positioning.
Fundamental Analysis
Bajaj Finserv’s recent financial results underline the company’s deep-rooted franchise strength and ability to generate growth despite broader macro uncertainties.
Key Pillars:
- Revenue and Profit Growth: FY25 saw total income expand 21.2% to ₹1,33,821 crore with net profit climbing 12.6% to ₹17,558 crore. Such double-digit growth rates reflect not just operational resilience but sustainable expansion across all segments.
- Segment Performance: Lending (notably Bajaj Finance) continued its impressive upward trajectory (revenue up to ₹69,724 crore), but the real highlight is the insurance segment—gross written premiums soared to ₹48,742 crore, as Bajaj cements its position among India’s top-tier insurers. The mutual fund and digital subsidiaries, though still nascent, show promise as future drivers of high-margin, fee-based income.
- Profitability Metrics: Return on equity (ROE) remains robust, while high solvency ratios (300%+) offer both safety and flexibility for future growth or capital return as the franchise matures.
- Valuation: At a P/E of 36.46 and price-to-book of 4.48, Bajaj Finserv commands a sector premium—yet this appears justified by its diversified earnings stream, superior growth, and flagship industry positioning. The PEG ratio, though elevated, must be seen in light of future expansion via insurance, digital, and healthcare.
- Brand and Distribution: As the holding entity for the Bajaj Group’s financial playbook, Bajaj Finserv benefits from unmatched brand recall, network effects, and cross-sell synergies—amplified by tech investments and customer-centric innovation.
Overall, while the dividend yield remains modest (reflecting a growth over income orientation), the core fundamentals support a case for premium valuation. For investors focused on long-term capital appreciation, the current profile appears highly attractive.
Volume and Liquidity
Bajaj Finserv’s liquidity situation underlines significant market confidence. Average daily trading volumes (over 3.4 million shares) underscore consistent institutional and retail participation—important for price discovery and uptake during major news flows or market events.
The relatively limited public float, given a 60.6% promoter hold and a meaningful FII/DII presence, fosters liquidity while potentially magnifying valuation rerating during bullish cycles. This dynamic has classically favored long-term uptrends in India’s large-cap financial stocks—with Bajaj Finserv being no exception.
Catalysts and Positive Outlook
The narrative around Bajaj Finserv’s next phase is charged with several high-conviction catalysts:
- Full Control of Insurance Platforms: The imminent completion of the Allianz buyout will allow Bajaj Finserv seamless integration of product, process, and branding across life and general insurance. This not only unlocks regulatory and cost efficiencies but should also accelerate product launches and digital cross-sell initiatives.
- Digital Innovation: Heavy investments in app-based platforms, AI-driven risk assessment, and eKYC systems are expected to widen the addressable market and enhance customer stickiness—particularly among digitally native, urban consumers.
- Healthcare and Asset Management Scale-Up: Recent moves into healthcare administration (via Vidal Health) and mutual funds are particularly notable, opening up new recurring revenue streams and positioning the company as a one-stop solutions provider for India’s growing middle class.
- Favorable Regulatory Context: India’s financial inclusion push, insurance reforms, and government-backed digital initiatives (Jan Dhan, UPI adoption, etc.) combine to offer a secular lift to high-quality, compliant players like Bajaj Finserv.
- Potential Future Rerating: The convergence of operational upgrades, sector consolidation, and successful integrations could lead to valuation multiple expansion over the next 12–18 months.
Investment Strategies
For investors seeking optimal entry points, a blend of tactical and strategic approaches appears warranted:
- Short-Term (1–3 months): The current post-result consolidation phase (with price around ₹2,026 and firm support at ₹1,912) seems ideal for accumulation, especially if the stock re-tests support on lower volumes—a technical behavior often preceding renewed uptrends.
- Medium-Term (6–12 months): Those with a medium investment horizon can look to capitalize as catalysts like the insurance buyout and mutual fund business start reflecting in earnings upgrades and enhanced return ratios. The next breakout above ₹2,060 resistance could act as a technical confirmation for expanded positions.
- Long-Term (1–3+ years): Given the company’s dominant sector positioning, diversified revenue base, and strong macro tailwinds, Bajaj Finserv fits well within core Indian equity portfolios aimed at wealth compounding. Investors may consider systematic accumulation—especially on dips related to transient market volatility or news-driven corrections.
Relevant investment logic includes:
- Positioning ahead of the insurance business integration for potential value unlocking.
- Accumulating during consolidation phases when technicals indicate reduced overbought risk.
- Riding secular tailwinds in digital financial services and the under-penetrated insurance market.
Is it the Right Time to Buy Bajaj Finserv?
In summary, Bajaj Finserv exhibits an enviable combination of operational strength, diversified growth, and forward-looking catalysts—anchored by robust financials, innovation-driven business lines, and best-in-class leadership. While the near-term technicals suggest a phase of consolidation, the stock’s medium–long-term structure remains bullish, buoyed by transformative developments such as the impending full control of insurance subsidiaries, ramp-up of digital platforms, and strategic expansion into healthcare and mutual funds.
The fundamentals justify renewed interest, with the current share price offering what seems to be an excellent opportunity for those seeking exposure to India’s high-growth financial services sector. A strong balance sheet, proven capital allocation, and positioning at the crossroads of digital and traditional financial ecosystems suggest significant upside potential—especially for investors able to navigate short-term market fluctuations and focus on the multi-year growth horizon.
For investors looking ahead to 2025 and beyond, Bajaj Finserv stock may well be entering a new bullish phase, supported by both technical consolidation and unfolding fundamental catalysts. As sector dynamics shift and India’s financial empires restructure for the digital economy, Bajaj Finserv stands out as a compelling gateway for those aiming to participate in the next cycle of wealth creation in Indian financial services.
In an evolving market landscape, Bajaj Finserv offers a strategic blend of resilience and growth potential—making this juncture an opportune time for serious consideration by forward-looking investors.
How to buy Bajaj Finserv stock in India?
Buying Bajaj Finserv shares online is a straightforward and secure process when you use a regulated Indian broker. Whether you’re a first-time investor or looking to expand your portfolio, you can choose between two main ways to access this stock: purchasing shares directly (spot buying) or trading via Contracts for Difference (CFDs). Spot buying means you own the stock, while CFDs let you speculate on price movements with leverage. Both approaches are accessible through digital platforms, often with transparent fees and strong investor protections. To help you select the best fit, you’ll find a detailed broker comparison further down this page.
Spot Buying
A cash or spot purchase means you’re buying actual Bajaj Finserv shares on an Indian exchange (like NSE), making you a shareholder with all associated rights such as dividends. Most brokers charge a fixed commission per order, typically ranging from ₹10 to ₹30, plus standard charges like SEBI fees and GST.
Concrete example
If Bajaj Finserv’s share price is ₹2,026.20, with ₹1,000 (about ₹83,600) you could buy 41 shares (since ₹2,026.20 × 41 ≈ ₹83,074 + ₹400 in fees, the rest covering minor charges).
- Gain scenario: If the share price rises by 10%, your shares are now worth ₹92,000.
- Result: +₹8,400 gross gain, i.e., +10% on your investment (excluding fees and taxes).
Trading via CFD
CFD (Contract for Difference) trading enables you to speculate on Bajaj Finserv’s price without owning the underlying shares. With CFDs, you can use leverage—meaning a small deposit controls a larger market exposure—but note, fees include the spread (difference between buy/sell prices) and overnight financing if you hold positions for more than a day.
Leverage example
With ₹1,000 (about ₹83,600) and 5x leverage, you gain exposure to ₹4,18,000 worth of Bajaj Finserv stock.
- Gain scenario: If Bajaj Finserv’s stock rises by 8%, your position gains 8% × 5 = 40%.
- Result: +₹33,440 (on an ₹83,600 deposit, excluding fees/financing costs).
Final Advice
Before you invest in Bajaj Finserv, it’s vital to compare brokers’ fees, platform features, and support—all of which you’ll find compared further down this page. Your choice should fit your risk appetite and investment goals: direct share ownership for long-term investors, CFDs for short-term traders seeking leverage. Always invest thoughtfully and ensure you understand both the risks and opportunities of each method.
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 Finserv stock
| 📊 Step | 📝 Specific tip for Bajaj Finserv |
|---|---|
| Analyze the market | Examine Bajaj Finserv’s consistent double-digit revenue and profit growth, its leadership in finance and insurance, and the potential impact of the upcoming full control of its insurance subsidiaries. Focus on the unique diversification across lending, insurance, asset management, and digital financial services in the Indian context. |
| Choose the right trading platform | Opt for a SEBI-registered Indian broker offering direct access to the NSE with competitive brokerage and clear research tools. Ensure the platform provides features like advanced charting for Bajaj Finserv, seamless UPI payments, and fast order execution. |
| Define your investment budget | Decide how much of your portfolio you want to allocate to Bajaj Finserv, considering its high valuation and moderate volatility. Given its growth classification and potential for near-term consolidation, invest an amount that fits your long-term financial goals and doesn’t overexpose you to a single stock. |
| Choose a strategy (short or long term) | If you’re seeking stability and compounding, Bajaj Finserv is better suited for a long-term buy-and-hold approach, leveraging India’s financial sector growth and penetration trends. Short-term traders should use moving averages and support/resistance signals for optimal entry points, especially in periods of consolidation. |
| Monitor news and financial results | Track key events such as quarterly earnings announcements, progress on the Allianz stake acquisition, and regulatory developments impacting NBFCs or insurance. Positive updates in digital and healthcare initiatives can also drive significant stock movements. |
| Use risk management tools | Apply stop-loss orders around key support levels (like ₹1,912) to limit capital loss during market volatility. Consider systematic investment (SIP) in equities to average out purchase prices and reduce timing risk associated with a large one-time buy. |
| Sell at the right time | Consider booking profits partially when the stock approaches significant resistance levels (such as near ₹2,059 or if it sharply exceeds ₹2,100), especially before major news releases or in the event of broader market corrections. Review your reasons for investing periodically and adjust based on fundamental performance and market outlook. |
The latest news about Bajaj Finserv
Bajaj Finserv posted robust Q4 FY25 results, with net profit rising 16.4% year-on-year to ₹4,756 crore. The company reported total income for Q4 at ₹36,595 crore, up 14.2% year-on-year, indicating sustained growth momentum across its diversified financial services businesses. Notably, EBITDA and earnings per share both recorded double-digit growth. The strong results were driven by continued expansion in both the lending and insurance divisions, helping Bajaj Finserv reinforce its position as a market leader in India’s financial services sector.
The board declared a ₹1 per share dividend for FY25, with payment scheduled by July 29, 2025. While the dividend yield remains modest at 0.05%, this marks a consistent shareholder return, reflecting management’s confidence in future earnings and a robust capital position, evidenced by regulatory solvency levels at over 300%. For Indian investors, timely and steady dividends from a blue-chip financial conglomerate are viewed as a mark of stability and long-term value creation, particularly in the context of India’s evolving financial savings landscape.
Bajaj Finserv’s acquisition of Allianz’s 26% stakes in both insurance subsidiaries positions the group for greater strategic flexibility. The transactions, totaling ₹24,180 crore, will give Bajaj Finserv full control over both Bajaj Allianz General Insurance and Bajaj Allianz Life Insurance. This landmark move—subject to regulatory approval—will enable streamlined decision-making, faster innovation, and unified branding in the underpenetrated Indian insurance market, where Bajaj is already a top-3 private general insurer and among the largest private life insurers. Industry analysts and official company statements emphasize that the deal is expected to be a long-term growth catalyst, unlocking new cross-selling and operational synergies.
Bajaj Finserv continues to scale its digital financial services and healthcare platforms, enhancing its growth narrative in India’s underserved markets. The company’s digital marketplace, broking, fintech, and new health-tech ventures—including the recent acquisition of Vidal Health—signal a strategic pivot toward technology-driven financial inclusion. These initiatives align with government priorities for broader financial access, and offer significant cross-selling potential across the group’s growing base of Indian retail, SME, and health customers. The company’s foray into mutual funds further diversifies revenue streams, with early traction confirmed in official disclosures.
The stock has delivered a strong 1-year return of 29.4% on the NSE and exhibits bullish signals on medium-to-long-term moving averages. Despite recent near-term technical consolidation and a neutral RSI (48.1), Bajaj Finserv’s share price remains above key support levels and has outperformed broader Indian financial indices over the past six and twelve months. Medium- and long-term technical signals, coupled with improving financials, diversified business lines, and positive management commentary, support continued institutional and domestic investor interest in the stock.
FAQ
What is the latest dividend for Bajaj Finserv stock?
Bajaj Finserv currently pays a dividend. The latest declared dividend is ₹1 per share, which will be credited by July 29, 2025. The dividend yield remains quite low at 0.05%, reflecting the company’s strategy to reinvest most earnings for growth rather than distribute significant payouts. Investors should note that Bajaj Finserv has maintained a modest dividend policy, prioritizing capital allocation to its expanding businesses, particularly in insurance and digital services.
What is the forecast for Bajaj Finserv stock in 2025, 2026, and 2027?
Based on the latest share price of ₹2,026.20, the projected price for Bajaj Finserv by the end of 2025 is ₹2,634.06, for the end of 2026 is ₹3,039.30, and for the end of 2027 is ₹4,052.40. The company’s strong momentum in financial services, insurance, and digital initiatives, coupled with robust earnings growth and the upcoming acquisition of insurance stakes, support a positive outlook over the next few years.
Should I sell my Bajaj Finserv shares?
Given Bajaj Finserv’s solid fundamentals, diversified business model, and consistent profit growth, holding onto your shares may be a prudent approach for investors seeking mid- to long-term value. The company’s upcoming full ownership of its insurance subsidiaries and ongoing digital transformation strengthen its market position. Despite short-term volatility and a relatively high valuation, the strategic direction and strong performance history suggest that patience could yield rewarding outcomes over time.
How are dividends and capital gains from Bajaj Finserv stock taxed in India?
In India, dividends received from Bajaj Finserv are taxed in the hands of the shareholder at applicable slab rates, without any distribution tax payable by the company. For capital gains, if you sell your shares after holding them for more than one year, gains above ₹1 lakh are taxed at 10% (long-term capital gains tax); short-term capital gains (held for one year or less) are taxed at 15%. No special exemptions or schemes apply specifically to Bajaj Finserv beyond these standard rules.
What is the latest dividend for Bajaj Finserv stock?
Bajaj Finserv currently pays a dividend. The latest declared dividend is ₹1 per share, which will be credited by July 29, 2025. The dividend yield remains quite low at 0.05%, reflecting the company’s strategy to reinvest most earnings for growth rather than distribute significant payouts. Investors should note that Bajaj Finserv has maintained a modest dividend policy, prioritizing capital allocation to its expanding businesses, particularly in insurance and digital services.
What is the forecast for Bajaj Finserv stock in 2025, 2026, and 2027?
Based on the latest share price of ₹2,026.20, the projected price for Bajaj Finserv by the end of 2025 is ₹2,634.06, for the end of 2026 is ₹3,039.30, and for the end of 2027 is ₹4,052.40. The company’s strong momentum in financial services, insurance, and digital initiatives, coupled with robust earnings growth and the upcoming acquisition of insurance stakes, support a positive outlook over the next few years.
Should I sell my Bajaj Finserv shares?
Given Bajaj Finserv’s solid fundamentals, diversified business model, and consistent profit growth, holding onto your shares may be a prudent approach for investors seeking mid- to long-term value. The company’s upcoming full ownership of its insurance subsidiaries and ongoing digital transformation strengthen its market position. Despite short-term volatility and a relatively high valuation, the strategic direction and strong performance history suggest that patience could yield rewarding outcomes over time.
How are dividends and capital gains from Bajaj Finserv stock taxed in India?
In India, dividends received from Bajaj Finserv are taxed in the hands of the shareholder at applicable slab rates, without any distribution tax payable by the company. For capital gains, if you sell your shares after holding them for more than one year, gains above ₹1 lakh are taxed at 10% (long-term capital gains tax); short-term capital gains (held for one year or less) are taxed at 15%. No special exemptions or schemes apply specifically to Bajaj Finserv beyond these standard rules.
