Bajaj Finance Q3 Results 2025 Live Updates: Consolidated PAT Jumps 18% YoY to ₹4,308 Crore; Provisions See Uptick
Bajaj Finance Ltd has reported its Q3 FY25 financial results, posting a strong 18% year-on-year (YoY) increase in consolidated profit after tax (PAT) at ₹4,308 crore, compared to ₹3,650 crore in the same quarter last year. While profit and asset growth remain healthy, a notable uptick in loan loss provisions and credit costs has caught investor attention.
Key Financial Highlights (Q3 FY25)
Consolidated PAT: ₹4,308 crore (▲18% YoY)
Net Interest Income (NII): ₹8,932 crore (▲24% YoY)
Assets Under Management (AUM): ₹3.35 lakh crore (▲31% YoY)
Loan Book Growth: Strong double-digit expansion across segments
Provisions and Write-offs: ₹1,172 crore (▲15% QoQ)
Commentary on Provisions and Asset Quality
While the results reflect continued operational strength, the company reported a sequential rise in provisions, suggesting cautiousness amid unsecured lending growth. The gross NPA ratio stood at 0.89%, showing marginal improvement, but the management emphasized a proactive approach to maintain buffer against credit cycle risks.
Segment-wise Performance
| Segment | Growth Trend | Commentary |
|---|---|---|
| Consumer B2C Loans | Strong | Driven by festive spending and EMI finance |
| SME Lending | Stable | Supported by MSME revival |
| Commercial Lending | Moderate | Focus remains on credit quality |
| Digital Lending | Expanding Fast | Fintech integrations improving throughput |
Management Commentary
The management highlighted:
Continued focus on technology-led growth.
Intent to strengthen provisions despite asset quality stability.
Plans to expand digital offerings and deepen customer engagement.
Stock Market Reaction
Bajaj Finance stock opened on a muted note amid mixed investor sentiment. While earnings beat expectations, the rise in provisioning and commentary around cautious lending raised some near-term concerns.
FAQs
Q1: What was Bajaj Finance's Q3 FY25 PAT?
The company reported a consolidated PAT of ₹4,308 crore, registering an 18% YoY growth.
Q2: Why have provisions increased this quarter?
The rise in provisions reflects the company’s conservative stance due to elevated growth in unsecured loans and potential macro uncertainties.
Q3: How is the loan book performing?
The AUM stands at ₹3.35 lakh crore, up 31% YoY, with strong traction in consumer and digital lending segments.
Q4: Did asset quality deteriorate?
No, the gross NPA ratio improved slightly to 0.89%. However, the company is maintaining higher buffers as a precaution.
Q5: How did the market react to the Q3 results?
The stock showed marginal movement post-results, reflecting a balance of strong earnings and concern over increased provisions.
Published : On 9th July
Published : Pankaj
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