bajaj finserv q3 results 2025

Bajaj Finserv Q3 Results 2025: Profit Growth of 3%, BFL Result Positive

Bajaj Finserv Q3 results FY25 declared that the company’s consolidated net profit rose 3.4% YoY to 2,231 crores on a 10.34% rise in total income to ₹32,041.81 crores in Q3 FY25 over Q3 FY24. In this blog, we’ll find how the Bajaj Finserv Q3 results came out and how its subsidiary companies performed in the quarter.

Bajaj Finserv Q3 Results FY25: Key Highlights

  • Bajaj Finserv is the holding company for the various financial services businesses under the Bajaj group.
  • It participates in the financing business through its 51.34% holding in Bajaj Finance and in the protection business through its 74% holding in two unlisted subsidiaries, Bajaj Allianz General Insurance Company and Bajaj Allianz Life Insurance Company.
  • Bajaj Finserv Q3 results posted that its interest income rose by 25% YoY to ₹17,409 crores in FY25.
  • Bajaj Finserv share price on the result day (January 31, 2025) closed at ₹1,745.20 and it opened with a fall at ₹1,713.60 on the next trading day. In the last 1-week, Bajaj Finserv share price gave positive returns of less than 1%.

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Consolidated Metrics Q3 FY25 Q3 FY24 YoY Change
Net Profit 2,231 2,158 3%
Interest Income 17,409 13,922 25%
Total Income 32,042 29,038 10%
Insurance – Segment Revenue 14,101 14,676 -4%
Retail Financing – Segment Revenue 18,058 14,166 27%
Investments – Segment Revenue 476 520 -8%

*(in ₹ crores)

Bajaj Finserv Q3 Results: Subsidiary Performance

Bajaj Finance (BFL)

  • Bajaj Finance (BFL) recorded a 16.68% increase in consolidated net profit to ₹4,246 crores in Q3 FY25 as against ₹3,639 crores in Q3 FY24.
  • Loan loss provisions stood at ₹2,043 crores in the third quarter of FY25, up 63.7% YoY.
  • Net total income for the December 2024 quarter rose 25.54% to ₹11,673 crores from ₹9,298 crores posted in the corresponding quarter previous quarter.
  • Gross NPA and Net NPA as on 31 December 2024 stood at 1.12% and 0.48% respectively as against 0.95% and 0.37% as on 31 December 2023.
  • The provisioning coverage ratio on stage 3 assets is 57%.
  • Assets under Management (AUM) grew 28% to ₹3,98,043 crores as on 31 December 2024 as against ₹3,10,968 crores as on 31 December 2023.

Bajaj Allianz General Insurance Company (BAGIC)

  • Bajaj Allianz General Insurance Company (BAGIC) stated that effective from 1 October 2024, as mandated by IRDAI, the gross premium on long-term products are measured on 1/n basis (where ‘n’ is contract duration) prospectively, hence Q3 & 9M FY2025 are not comparable with prior years.
  • BAGIC’s gross written premium for Q3 FY25 increased by 46% to ₹6,626 crores from ₹4,536 crores in Q3 FY24. Excluding tender-driven crop and government health insurance premiums, BAGIC’s gross written premium shed by 2% YoY to ₹3,639 crores in Q3 FY25.
  • Assets under Management (AUM), represented by cash and investments as on 31 December 2024 stood at ₹32,633 crores as compared to ₹30,296 crores as on 31 December 2023, an increase of 8%.

Bajaj Allianz Life Insurance Company’s (BALIC)

  • Bajaj Allianz Life Insurance Company’s (BALIC) new business premium for Q3 FY25 stood at ₹2,761 crores as against ₹2,561 crores in Q3 FY24, an increase of 8%.
  • Renewal premium for Q3 FY25 was ₹3,600 crores, an increase of 24% on a YoY basis.
  • Gross written premium for Q3 FY25 rose by 16% to ₹6,361 crores from ₹5,464 crores in Q3 FY24.
  • Net new business value (NBV), which is the metric used to measure the profitability of life insurance businesses, up by 1.2% to ₹254 crores in Q3 FY25.
  • Assets under Management (AUM), represented by total investments, increased by 17% ₹1,22,023 crores as on 31 December 2024.

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Reference:
SMC Global Securities Research Team

Author: All Content is verified by SMC Global Securities.

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