Bajaj Finance Reports Robust Q4 Growth Amid RBI Compliance Notice
Bajaj Finance posted impressive Q4 FY25 results with 26% YoY AUM growth to ₹4,16,750 crore, 36% increase in new loans to 10.70 million, and 22% expansion in customer base to 101.82 million. Deposit book grew 19% to ₹71,400 crore. However, the company received an RBI 'letter of displeasure' over compliance issues in its co-branded credit card business. Bajaj Finance also issued NCDs worth ₹5,994.43 crore on private placement.

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Strong Q4 Performance
Bajaj Finance , one of India's leading non-banking financial companies (NBFCs), has reported impressive growth figures for the fourth quarter of fiscal year 2025, while also facing regulatory scrutiny from the Reserve Bank of India (RBI).
According to the company's latest filing, Bajaj Finance witnessed substantial growth across key metrics in Q4 FY25:
Metric | Q4 FY25 | YoY Growth |
---|---|---|
Assets Under Management (AUM) | ₹4,16,750.00 crore | 26.00% |
New Loans Booked | 10.70 million | 36.00% |
Customer Franchise | 101.82 million | 22.00% |
Deposit Book | ₹71,400.00 crore | 19.00% |
The company's Assets Under Management (AUM) grew by 26.00% year-on-year to ₹4,16,750.00 crore as of March 31, 2025, compared to ₹3,30,615.00 crore in the previous year. In Q4 FY25 alone, the AUM increased by approximately ₹18,700.00 crore.
Bajaj Finance's new loan bookings saw a significant uptick, growing by 36.00% to 10.70 million in Q4 FY25, up from 7.87 million in the same quarter of the previous year. This robust growth in new loans indicates strong demand for the company's financial products and services.
Expanding Customer Base
The company's customer franchise expanded to 101.82 million as of March 31, 2025, compared to 83.64 million a year earlier, representing a 22.00% increase. In Q4 FY25 alone, Bajaj Finance added 4.70 million new customers to its franchise, highlighting its continued ability to attract and retain clients in a competitive market.
Deposit Growth
Bajaj Finance's deposit book also showed healthy growth, standing at ₹71,400.00 crore as of March 31, 2025. This represents a 19.00% increase from ₹60,151.00 crore reported on March 31, 2024, indicating strong investor confidence in the company's financial stability.
RBI Compliance Notice
While Bajaj Finance reported strong financial performance, the company also faced regulatory scrutiny. The Reserve Bank of India (RBI) issued a 'letter of displeasure' to the company, citing compliance gaps in its co-branded credit card business. This development underscores the importance of maintaining strict regulatory compliance in the financial services sector, even for well-established players like Bajaj Finance.
Debt Issuance
In a separate announcement, Bajaj Finance disclosed the allotment of secured redeemable non-convertible debentures (NCDs) worth ₹5,994.43 crore on a private placement basis. The company issued two options of NCDs with tenures of 10 years and 5 years, carrying interest rates of 7.55% and 7.57% per annum, respectively. This debt issuance is likely aimed at supporting the company's growth initiatives and maintaining a robust liquidity position.
As Bajaj Finance continues to navigate the dynamic financial services landscape, investors and stakeholders will be closely watching how the company addresses the compliance concerns raised by the RBI while maintaining its growth trajectory in the coming quarters.
Historical Stock Returns for Bajaj Finance
1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
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+1.17% | +2.71% | +6.78% | +32.80% | +32.92% | +296.96% |