Bajaj Finance Ltd reported a consolidated net profit of ₹44.80 billion for January-March, a 17% increase over the corresponding quarter a year ago. Net interest income grew 22% on year to ₹98.07 billion from ₹80.13 billion. 

Pre-provision operating profit stood at ₹79.67 billion, up 24% from the previous year.

Loan losses and provisions rose 78% to ₹23.29 billion, which included a ₹3.59 billion additional provision following an annual update of the Expected Credit Loss model. Excluding this adjustment, provisions were ₹19.70 billion.

Profit before tax rose 11% to ₹56.47 billion from ₹51.05 billion. 

Assets under management reached ₹4.17 trillion, a 26% rise from ₹3.31 trillion billion a year ago. AUM grew ₹186.18 billion during the quarter. The company booked 10.70 million new loans in January-March, up from 7.87 million in the year-ago quarter. The customer base rose to 101.82 million as on March 31, an increase of 22% on year.

Gross NPA ratio and Net NPA ratio was at 0.96% and 0.44%, respectively, as of March 31, 2025. The capital adequacy ratio was 21.93%, with Tier-I capital at 21.09%.

For the full year ended March 31, 2025, Bajaj Finance’s consolidated net profit was ₹167.79 billion, a 16% increase from ₹144.51 billion in the preceding year. 

Net interest income rose 23% year-on-year to ₹363.93 billion in 2024-25. Pre-provisioning operating profit stood at ₹300.28 billion, an increase of 25%.

The company's return on assets for 2024-25 was 4.6%, and return on equity stood at 19.2%

The board declared a special interim dividend of ₹12 per share and recommended a final dividend of ₹44 per share. The special dividend was attributed to the exceptional gain from the IPO of Bajaj Housing Finance in September 2024. 

Bajaj Finance also announced a 1:2 stock split and a 4:1 bonus issue.