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Priyam Mehta

20th May · SEBI-Registered Analyst

$BAJFINANCE Strong loan growth continues

$BAJFINANCE 1. Strong loan growth continues Bajaj Finance continues to report strong growth in its loan book across: Consumer finance Personal loans SME lending Rural finance Demand for retail credit remains strong in India, supporting business expansion. 2. Customer base expanding rapidly The company continues adding millions of new customers through: Digital lending platforms EMI financing Consumer durable financing Cross-selling financial products 3. Digital transformation remains key focus Bajaj Finance is aggressively investing in: AI-driven lending Mobile platforms Digital payments Data analytics The company aims to strengthen its fintech ecosystem and improve customer engagement. 4. Asset quality remains healthy Despite rapid loan growth, asset quality has remained relatively stable. Investors are closely monitoring: GNPA levels Credit costs Collection efficiency Rural lending performance 5. Strong quarterly earnings performance Recent quarterly results showed healthy growth in: Net interest income (NII) Profitability Assets under management (AUM) Strong operating efficiency continues supporting margins. 6. RBI regulations remain an important factor Investors continue tracking regulatory developments related to: Consumer lending NBFC liquidity norms Digital lending guidelines Any tightening by RBI can affect growth sentiment in the NBFC sector. 7. Deposit franchise growing Bajaj Finance has been expanding its fixed deposit business aggressively, helping diversify funding sources and strengthen liquidity.

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