Bajaj Finance Ltd.

About the company
Bajaj Finance is a deposit-taking NBFC registered with RBI, established in 1987, financing two-wheeler and consumer durable loans apart from extending SME, commercial and rural loans. Consumer loans made up 39% of its loan book, mortgages 29%, SMEs 13.5% with residual loans to rural, commercial and LAS borrowers by end-FY19. The company had outstanding FDs to the tune of Rs 6828 crore by end of FY19. For FY19, it reported consolidated revenues of Rs 18502 crore up by 45% and consolidated PBT of Rs 6179 crore, up by 61%.
Risk metrics Comments
Credit Rating CRISIL FAAA Stable from March 2016. Click to view credit report
Capital adequacy CRAR of 20.66% against RBI norm of 15% by March 2019. CRAR Tier 1 of 16.27% against RBI norm of 10 % by March 2019.
Asset quality Net NPA 0.63%, Gross NPA 1.54% by March 2019
Liquidity Inflows exceed outflows across every bucket – less than 6 month, 6 months -1 year, 1-3 years and 3- 5 years.

Notes:

  1. 0.1% extra rates for renewals and 0.35% for senior citizens.

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