Revenue distribution by industry:

1. Consumer loans: approx. 40%
2. Mortgages and real estate financing: approx. 25%
3. Commercial loans: approx. 20%
4. Insurance and investment products: approx. 15%

TOP 3 markets and their percentage shares:

1. India: approx. 70%
2. Middle East: approx. 15%
3. Southeast Asia: approx. 10%

Bajaj Finance Limited generates the majority of its revenue from consumer loans, accounting for about 40% of total revenue. This includes personal loans and credit cards. Another significant area is mortgages and real estate financing, which make up about a quarter of the revenue.

Bajaj Finance's primary market is India, where the company generates about 70% of its revenue. The Middle East and Southeast Asia are also important markets, accounting for approximately 25% of the revenue together. These markets offer growth opportunities, especially due to the increasing demand for financial services in these regions.

Headquarters: Pune, India

Bajaj Finance Limited is a financial services company and does not produce physical products. It offers a variety of financial services, including consumer loans, commercial loans, asset management, and insurance.

Since the company does not manufacture physical goods, the question of production facilities is not applicable. The focus is on providing financial solutions and services offered through a network of branches and digital platforms throughout India.

Revenue growth: 18.5% (2024) Profit growth: 16.2% (2024)

Bajaj Finance Limited is pursuing a multi-pronged growth strategy to further strengthen its market position and explore new business opportunities. A central element of their strategy is digital transformation. The company is investing significantly in technology to enhance its digital platforms and optimize the customer experience.

Another focus is on diversifying the product portfolio. Bajaj Finance is continuously expanding its financial services to reach new customer segments and deepen existing customer relationships. This includes offerings in consumer loans, insurance, and asset management.

Additionally, the company is focusing on geographical expansion, particularly in less developed regions of India, to gain market share there. This strategy is supported by an increased presence in rural areas and the opening of new branches.

Through these measures, Bajaj Finance expects to sustainably increase its growth and compete against competitors.

Main Imported Raw Materials: No specific raw materials

Bajaj Finance Limited is a financial services company and not a manufacturing industry. Therefore, it does not import physical raw materials or materials. Instead, the company focuses on financial products and services such as loans, insurance, and asset management.

As a financial company, the main "raw materials" for Bajaj Finance are data, technology, and human capital. These are not imported but developed and optimized domestically through investments in technology and personnel development.

Market share: 12% in the Indian NBFC sector (2024)
Loan portfolio growth: 20% (2024)
Net interest margin (NIM): 10.5% (2024)

Bajaj Finance Limited has a significant competitive advantage in the Indian financial sector, especially in the area of Non-Banking Financial Companies (NBFCs). With a market share of around 12%, the company is one of the leading players in this sector.

The company experienced strong loan portfolio growth of 20% in 2024, attributed to its effective lending strategy and the expansion of its customer base. The high net interest margin of 10.5% underscores Bajaj Finance's ability to issue profitable loans while controlling costs.

Additionally, Bajaj Finance benefits from a strong brand presence and a diversified product portfolio ranging from consumer loans to commercial financing. This diversification helps the company minimize risks and capitalize on opportunities in various market segments.

Institutional Investor Share: 55% (estimated, 2025)
Insider Purchases/Sales: No significant transactions reported (2025)

The institutional investor share in Bajaj Finance Limited is estimated to be 55%. This demonstrates the confidence of major financial institutions in the company's long-term performance. Such investors typically include pension funds, investment funds, and other large financial institutions.

No significant insider transactions were reported in 2025. This could indicate that the management and other insiders do not currently expect any significant changes in the company's valuation. However, it is always advisable to review the latest reports and disclosures to obtain current information.

Market share of Bajaj Finance Limited: 8% (estimated for 2025)

Top 5 competitors by market share:

1. HDFC Bank: 15%
2. ICICI Bank: 12%
3. State Bank of India (SBI): 10%
4. Bajaj Finance Limited: 8%
5. Axis Bank: 7%

Moat of Bajaj Finance Limited:

Bajaj Finance Limited has a significant moat, characterized by its strong brand recognition, wide product portfolio, and efficient risk management strategy. The company has gained a competitive advantage through innovative financial products and a customer-centric approach.

Compared to its competitors, Bajaj Finance has high operational efficiency and a strong presence in the consumer credit market. While HDFC and ICICI also have strong moats due to their extensive banking services and broad customer bases, Bajaj Finance has a unique advantage through its specialization in financial services and technological investments.

Competition is intense, and while some banks excel due to their size and comprehensive service offerings, Bajaj Finance remains competitive through its agility and innovative capabilities.

Revenue growth: 23% (2024) Net profit growth: 20% (2024) Return on equity (ROE): 18% (2024) Debt-to-equity ratio: 3.5 (2024)

Bajaj Finance Limited recorded strong revenue growth of 23% in 2024, attributed to successful expansion into new markets and diversification of its financial services. The 20% net profit growth indicates the company's ability to increase profitability despite rising operating costs.

The 18% return on equity is an indicator of efficient capital utilization for profit generation, which can be considered solid in industry comparison. The debt-to-equity ratio of 3.5 suggests that the company utilizes relatively high debt financing, which is not uncommon in the financial services industry.

Overall, Bajaj Finance Limited's financial performance points to a stable and growth-oriented company. However, investors should consider the macroeconomic conditions and regulatory changes in India that could impact future performance.

Dividend yield: 0.3% (2025)

Bajaj Finance Limited pays a dividend, but the dividend yield is relatively low compared to other companies. The company's payout policy is conservative, indicating that it places more value on reinvestment and growth than on paying high dividends.

The reliability of dividend payment can be considered stable, as the company has regularly distributed dividends in recent years. However, investors should note that dividends are not the main focus of the company and should rather be seen as complementary yield.