Bajaj Finance Ltd.
Snapshot View

6162.45 -18.45 ▼-0.3%

26 July 2021, 04:02:11 P.M.
Volume: 733,502

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - NBFC Compare with Industry peers
Website http://www.bajajfinserv.in/finance
Financial Indicators
Market Cap 371,943.89 Cr.
Earnings per share (EPS) 73.89 Trailing Twelve Months Ending 2021-06
Price-Earning Ratio (PE) 83.40 Trailing Twelve Months Ending 2021-06
Industry PE 89.95 Trailing Twelve Months Ending 2021-06
Book Value / Share 623.23 Trailing Twelve Months Ending 2021-06
Price to Book Value 9.89 Calculated using Price: 6,162.15
Dividend Yield 0.16 Period Ending 2021-03
No. of Shares Subscribed 60.36 Cr. 603,594,345 Shares
FaceValue 2
Company Profile

Bajaj Finance (BFL) is a deposit-taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI). It is a subsidiary of Bajaj Finserv. The company is engaged in the business of lending and acceptance of deposits. The company has a diversified lending portfolio across retail, SMEs and commercial customers with a significant presence in urban and rural India. It accepts public and corporate deposits and offers variety of financial services products to its customers.

The company has implemented various Machine Learning (ML) models in addition to classical logistic regressive models. It is also investing deeply in Artificial Intelligence (AI) for new acquisition and propensity management. These state of-the-art technologies enable decision engines with real time processing capabilities. These also enable unique customer propositions like ‘get now’ and ‘straight through processing’ to constantly push towards a smoother and frictionless experience for its customers. While doing so, BFL is conscious of customer’s privacy and ensures customer consent is obtained for any cross-sell offerings.

BFL has been at the forefront of technology adoption among NBFCs, and has continuously leveraged existing and emerging technologies to launch new products, enhance customer acquisition and servicing processes along with simplifying the back-office. In doing so, it has invested in tools, technologies and practices for robust and expeditious ‘Development-toOperations’ implementation to enable delivery of applications and services at a high velocity. To facilitate rapid development and operational use of technology, BFL has restructured its technology organisation by hosting development, operations, quality assurance and security teams in a single unit to deliver fully integrated and tested application lifecycles.

Business area of the company

Bajaj Finance is one of the largest players in the burgeoning consumer finance segment in India and a pioneer in introducing interest-free EMI finance options in many categories, ranging from consumer durables to lifestyle products to groceries. Apart from consumer finance, the company also has substantial business penetration in SME, commercial and rural lending. It has deeply invested in Application Programme Interface (API) to integrate specialized applications with customer facing interfaces like web portals, app infrastructure and BOTS on to a micro services architecture supported by platform as a service (PaaS) infrastructure.

Services offered:

Consumer Finance

  • Durable Finance
  • Lifestyle Finance
  • Digital Product Finance
  • EMI Card
  • 2 & 3 Wheeler Finance
  • Personal Loan
  • Loan against FD
  • Extended warranty
  • Gold Loan
  • Home Loan
  • Retail EMI
  • Retailer Finance
  • E-commerce
  • Co-branded Credit Card
  • Co-branded Wallet

SME Finance

  • Home Loan
  • Loan against Property
  • Gold Loan
  • Lease rental discounting
  • Business Loan
  • Loan Against Shares
  • Professional Loan
  • Working Capital Loans
  • Developer Finance
  • Used Car Finance

Commercial Lending

  • Vendor Financing
  • Large Value Lease Rental Discounting
  • Loans against Securities
  • Financial Institutions Lending
  • Light Engineering Finance
  • Corporate Finance
  • Warehouse Financing

Investment

  • Fixed Deposit
  • Mutual Funds

Awards:

2015-16:

  • BFL won TISS LeapVault CLO Award in Best Virtual Learning Program category.
  • BFL has been ranked 16th among the top 25 best places to work in Asia by the Great Place to Work Institute.
  • BFL has been recognised as one of the Best Employers in India, for the third year in a row in the AON Hewitt Best Employers Study, 2016.

2016-17:

  • BFL’s Human Resource department won this award in the Best Simulation Based Program category for its ‘Super Manager Studio Online and Offline Training Program.
  • The company’s Audit Committee was awarded the ‘Best Audit Committee Award 2016’ by the Asian Centre for Corporate Governance and Sustainability at the 4th Asia Business Responsibility Summit.

2017-18:

  • Featured among the ‘Top 18 Best Employers in India’, 2017 by Aon Hewitt.
  • India’s Best Companies to work for 2017, by the ‘Great Places to Work’.
  • Awarded ‘India's Leading NBFC - Other than Infrastructure Financing’ by Dun and Bradstreet.
  • Awarded ‘Best NBFC of the Year 2017’ by Outlook Money for value proposition and innovations.
  • The Mint Corporate Strategy Award, recognizing excellence in corporate governance.
  • Ranked amongst Top 25 Best Large Workplaces in Asia, 2018, by the ‘Great Places to Work’.

2018-19:

  • Featured amongst the ‘Best Employers in India’, 2017 by Aon Hewitt.
  • ‘Outstanding Company of the Year’ at CNBC Indian Business Leader Awards to Bajaj Finance.
  • Ranked 9th amongst 'Top 25 Best Large Workplaces in Asia', 2019, by ‘Great Places to Work’ institute.

2019-20:

  • Ranked among the Top 25 Best Large Workplaces in Asia, 2019, (Rank 9) by the ‘Great Places to Work’ Institute.
  • Recognised among organisations having more than 10,000 employees by the ‘Great Place to Work’ Institute.
  • India’s Best Companies to Work for 2019, by the ‘Great Place to Work’ Institute.
  • Featured among the ‘Best Employers in India’, 2019, by Aon Hewitt. 
  • FE India’s Best Banks Awards–Best NBFC of the Year 2017-18, for Bajaj Finance.
  • Economic Times Awards for Corporate Excellence-Company of the Year for BFL.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-0.30%
1 Week
+2.44%
1 Month
+1.43%
3 Month
+30.10%
6 Month
+25.54%
1 Year
+89.51%
2 Year
+88.77%
5 Year
+525.73%
7 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 18.71 21.09 21.70 19.68 22.62 20.37 12.86
Return on Capital Employed (%) 11.54 12.97 12.91 12.09 12.67 11.95 9.38
Return on Assets (%) 2.62 3.06 3.16 3.31 3.85 3.67 2.65

Balance Sheet View Details

Particulars 7 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Shh. Funds 4,800 7,427 9,600 15,848 19,697 32,328 36,918
Non Curr. Liab. 19,611 27,491 36,266 58,048 88,148 122,231 121,585
Curr. Liab. 9,910 14,261 21,033 10,135 15,719 8,983 12,077
Minority Int.
Equity & Liab. 34,321 49,179 66,900 84,031 123,563 163,541 170,581
Non Curr. Assets 19,871 27,420 35,165 80,720 114,929 146,109 152,960
Curr. Assets 14,450 21,759 31,734 3,310 8,634 17,432 17,621
Misc. Exp. not W/O
Total Assets 34,321 49,179 66,900 84,031 123,563 163,541 170,581

Profit Loss View Details

Particulars 7 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Net Sales 5,382 7,294 9,967 12,786 18,487 26,374 26,690
Other Income 176 40 25 12 13 12 15
Total Income 5,558 7,334 9,992 12,798 18,500 26,386 26,705
Total Expenditure -1,891 -2,354 -3,251 -4,157 -5,454 -9,161 -10,868
PBIDT 3,666 4,980 6,742 8,642 13,046 17,224 15,837
Interest -2,274 -2,959 -3,853 -4,696 -6,723 -9,608 -9,519
Depreciation -36 -56 -71 -102 -144 -295 -325
Taxation -459 -686 -981 -1,347 -2,184 -2,058 -1,572
Exceptional Items
PAT 898 1,279 1,836 2,496 3,995 5,264 4,420

Cash Flow View Details

Particulars 7 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. -9,870 -10,439 -20,566 -29,062 -24,412 -881
Cash Fr. Inv. -687 -3,047 1,075 -5,379 -8,758 -429
Cash Fr. Finan. 11,656 12,513 19,503 34,449 34,167 1,826
Net Change 1,100 -972 13 9 998 517
Cash & Cash Eqvt 1,328 325 338 347 1,345 1,861

Shareholding Pattern View Details

9 Qtrs 2019-03 (%) 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%)
Promoter 55.17 58.26 58.26 56.15 56.20 56.20 56.12 56.12 56.12
Public 44.83 41.73 41.74 43.85 43.80 43.58 43.56 43.60 43.71
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Thu, 22 Jul 2021
Acquisition
Bajaj Finance Limited has informed the Exchange about Acquisition in Bajaj Finserv Direct Limited ( BFSD ) under Regulation 30 of SEBI Listing Regulations
Thu, 22 Jul 2021
Shareholders meeting
Bajaj Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 20, 2021. Further, the company has informed the Exchange regarding voting results.
Thu, 22 Jul 2021
Shareholders meeting
Bajaj Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 20, 2021. Further, the company has informed the Exchange regarding voting results.

Technical Scans View Details

Mon, 26 Jul 2021
Stock Outperforming Benchmark Index in both 1 Week and 3 Month Stock Outperforming Benchmark Index in both 1 Week and 3 Month
Stock Outperforming Sectoral Index in both 1 Week and 3 Month Stock Outperforming Sectoral Index in both 1 Week and 3 Month
Increasing Relative Strength - Benchmark index Increasing Relative Strength - Benchmark index
Close Within 2 Year High Zone Close Within 2 Year High Zone
Close Within 5 Year High Zone Close Within 5 Year High Zone

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