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Bajaj Finance Q4 FY25: 100 Million+ Customers, 36% Loan Growth – Still a Multibagger in Making?
🔎 Q4 FY25 Highlights:
Customer Franchise: 101.82 million — +22% YoY
New Loans Booked: 10.7 million — +36% YoY
Assets Under Management (AUM): ₹4.16 lakh crore — +26% YoY
Deposit Book: ₹71,400 crore — +19% YoY
💼 Sectoral Strengths:
NBFCs are capitalizing on post-COVID consumption-led lending.
Bajaj Finance excels in tech-first loan disbursement with strong digital penetration.
Demand in Tier-2, Tier-3 cities remains robust—under-banked segments = high-margin potential.
🎯 Investor Benefit Perspective:
High-velocity growth engine in retail credit across personal loans, consumer durable finance, and SME lending
Backed by Bajaj Finserv ecosystem—provides brand leverage, insurance cross-sell, and scale efficiency
Robust cost control, low NPA model backed by digital recovery architecture
⚠ Risk Factors:
Asset Quality Monitoring Crucial: Rapid expansion needs stringent underwriting
Interest Rate Risk: Higher borrowing cost could impact spreads
Market Expectation Risk: Sky-high growth expectations mean shortfalls can cause stock volatility
🧠 Long-Term Eagle-Eye View:
Bajaj Finance continues to be a high-conviction pick for investors chasing secular compounding stories. With deep roots in Indian middle-class finance and scalable infrastructure, it is a potential multibagger if managed prudently.
🛡 Disclaimer:
This blog post is strictly for educational and informational purposes. It does not constitute investment advice, stock recommendation, or solicitation to buy/sell securities. Investors are advised to perform their own due diligence or consult a certified investment advisor. Stock markets are subject to market risk.
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