Bajaj Finserv Limited, a prominent financial services conglomerate in India, reported robust financial results for the fourth quarter (Q4) and the full fiscal year 2024-25 (FY25). The company's diversified portfolio, encompassing lending, insurance, and wealth management, contributed to its steady growth amidst a dynamic economic landscape.
Q4 FY25 Performance Highlights
Revenue: Bajaj Finserv's consolidated total income for Q4 FY25 stood at Rs 36,596 crore, marking a 14% increase from Rs 32,042 crore in Q4 FY24.
Net Profit: The company reported a consolidated net profit of Rs 2,417 crore for the quarter, up 14% year-on-year from Rs 2,119 crore in the same period last year.
Dividend Declaration: The Board of Directors recommended a final dividend of Rs 1 per equity share for FY25, subject to shareholder approval.
Full-Year FY25 Financial Overview
Total Income: For the entire fiscal year, Bajaj Finserv's total income reached Rs 1,33,822 crore, reflecting a 21% increase from Rs 1,10,383 crore in FY24.
Net Profit: The consolidated net profit for FY25 was Rs 8,872 crore, a 9% rise compared to Rs 8,148 crore in the previous fiscal year.
Segment-Wise Performance
Bajaj Finance Ltd (BFL)
Revenue: BFL reported a 24% year-on-year increase in revenue to Rs 18,469 crore for Q4 FY25.
Assets Under Management (AUM): The AUM grew by 26% to Rs 4,16,661 crore as of March 31, 2025.
Customer Base: BFL's customer franchise expanded to 10.18 crore, a 22% increase from the previous year.
Bajaj Allianz General Insurance Company (BAGIC)
Gross Written Premium (GWP): BAGIC's GWP for Q4 FY25 decreased by 13% to Rs 4,326 crore, primarily due to changes in accounting regulations and timing variances in crop and government health business bookings.
Profit After Tax: The company reported a PAT of Rs 363 crore for the quarter, slightly down from Rs 380 crore in Q4 FY24.
Bajaj Allianz Life Insurance Company (BALIC)
Gross Written Premium: BALIC's GWP for Q4 FY25 increased by 13% to Rs 9,237 crore.
Assets Under Management (AUM): The AUM grew by 13% to Rs 1,23,734 crore as of March 31, 2025.
New Business Value (VNB): The VNB for Q4 FY25 increased by 14% to Rs 549 crore, with a New Business Margin of 22.10%.
Operational Metrics
Expenses: Total expenses for Q4 FY25 stood at Rs 30,603 crore, up 15% from Rs 26,519 crore in the same period last year. The increase was attributed to higher employee benefit expenses, finance costs, and commission expenses.
Customer Base: Bajaj Finserv's customer base surpassed 100 million, indicating strong market penetration and customer acquisition strategies.
Strategic Outlook
Bajaj Finserv's consistent performance across its diversified business segments underscores its robust business model and strategic focus. The company's emphasis on digital transformation, customer-centric products, and operational efficiency positions it well for sustained growth in the evolving financial services landscape.
With a strong capital base and diversified revenue streams, Bajaj Finserv is poised to leverage emerging opportunities in the financial sector, catering to the diverse needs of its expanding customer base.
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