BAJFINANCE

buy on dips strategy to be adopted at green DZ

Bajaj Finance is one of India's largest diversified NBFCs, with businesses spanning consumer finance, personal loans, SME finance, commercial lending, mortgages and other financial services. The key strength of the business is its large customer base + diversified lending portfolio + strong digital distribution. 2. Fundamental Analysis Q1 FY27 was very strong Parameter Q1 FY27 YoY Consolidated PAT ₹5,986 Cr +27.4% NII ₹12,571 Cr +22.9% Consolidated AUM ₹5.47 lakh Cr +23.9% New loans 1.61 Cr +19.6% ROA 4.7% Improved ROE 20.4% Improved Standalone performance was equally impressive: PAT increased about 29%, NII increased 24%, and standalone AUM crossed ₹4 lakh crore. Asset quality This is particularly important for an NBFC. Consolidated: Gross NPA: 0.96% Net NPA: 0.39% Both improved YoY. Capital adequacy ratio: 20.90% So fundamentally, asset quality is currently not giving a major warning signal.