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The NCDs carry an annual coupon of 8.15% and have a long-term maturity of 10 years, with the principal due for redemption on 27 August 2036 and interest payable annually from 27 August 2027.
The NCDs are secured by a first pari-passu charge over identified loan receivables, subject to a minimum-security cover of 1.10 times at all times.
The instruments also carry investor protection provisions, including a right for the original investors to increase the coupon by up to 25 basis points for each rating notch downgrade if the rating falls to AA- or below. A further downgrade to A or below gives such investors a right to redeem the outstanding principal along with accrued interest.
Bajaj Finance is one of India’s leading and most diversified financial services companies. The company is mainly engaged in the business of lending. BFL has a diversified lending portfolio across retail, SME, and commercial customers with a significant presence.
The company had reported 27.37% jump in consolidated net profit to Rs 5,985.75 crore in Q1 FY27, compared with Rs 4,699.61 crore in Q1 FY26. Revenue from operations rose 19.58% YoY to Rs 23,165.45 crore during the quarter.
The scrip shed 0.16% to currently trade at Rs 1085.30 on the BSE.
In the cash market, the Nifty 50 index surged 66.45 points or 0.27% to 24,383.60.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, fell 3.29% to 11.76.
Infosys, Bajaj Finance and Mahindra & Mahindra were the top-traded individual stock futures contracts in the F&O segment of the NSE.
The August 2026 F&O contracts will expire on 25 August 2026.
The consolidated results of Bajaj Finance include the results of its wholly owned subsidiaries, Bajaj Housing Finance (BHFL) and Bajaj Financial Securities (BFinserc), and its associate companies, Snapwork Technologies and Pennant Technologies.
Profit before tax (PBT) climbed 27.98% to Rs 8,149 crore in Q1 FY27.
Net interest income (NII) increased 23% to Rs 12,571 crore from Rs 10,228 crore in Q1 FY26. The company booked 16.13 million new loans during the quarter, compared with 13.49 million in the year-ago period, reflecting a 20% growth in loan bookings.
Loan losses and provisions for Q1 FY27 stood at Rs 1,993 crore, up 1.22% as against Rs 1,969 crore in Q1 FY26. The quarter included prudent management and macroeconomic provisions of Rs 296 crore. Excluding these additional provisions, loan losses and provisions declined 14% year-on-year to Rs 1,697 crore.
Assets under management (AUM) grew 24% YoY to Rs 5,46,944 crore as of 30 June 2026, compared with Rs 4,41,450 crore a year ago. During the quarter, the company added Rs 36,969 crore to its AUM.
Asset quality remained healthy, with gross non-performing assets (GNPA) improving to 0.96% as of 30 June 2026 from 1.03% a year earlier. Net non-performing assets (NNPA) declined to 0.39% from 0.50% in the corresponding period last year. The provisioning coverage ratio on Stage 3 assets stood at 60%.
The company's capital position remained robust, with the capital adequacy ratio (CRAR), including Tier-II capital, at 20.90% as of 30 June 2026. Tier-I capital stood at 20.01%, providing a strong cushion to support future business growth.
The counter rose 0.18% to close at Rs 1056.05 on the BSE.
Bajaj Finance Ltd gained for a fifth straight session today. The stock is quoting at Rs 1066, up 0.19% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is down around 0.27% on the day, quoting at 24172.8. The Sensex is at 77442.96, down 0.34%. Bajaj Finance Ltd has risen around 10.09% in last one month.
Meanwhile, Nifty Financial Services index of which Bajaj Finance Ltd is a constituent, has risen around 0.11% in last one month and is currently quoting at 26574.65, down 0.07% on the day. The volume in the stock stood at 38.25 lakh shares today, compared to the daily average of 91.23 lakh shares in last one month.
The benchmark July futures contract for the stock is quoting at Rs 1066, up 0.08% on the day. Bajaj Finance Ltd is up 11.91% in last one year as compared to a 3.54% drop in NIFTY and a 1.61% drop in the Nifty Financial Services index.
The PE of the stock is 40.52 based on TTM earnings ending March 26.
Bajaj Finance Ltd gained for a third straight session today. The stock is quoting at Rs 1054.2, up 1.6% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.92% on the day, quoting at 24294. The Sensex is at 77994.28, up 1.05%. Bajaj Finance Ltd has risen around 9.94% in last one month.
Meanwhile, Nifty Financial Services index of which Bajaj Finance Ltd is a constituent, has risen around 1.02% in last one month and is currently quoting at 26556.7, up 1.11% on the day. The volume in the stock stood at 84.58 lakh shares today, compared to the daily average of 89.46 lakh shares in last one month.
The benchmark July futures contract for the stock is quoting at Rs 1054.9, up 1.56% on the day. Bajaj Finance Ltd is up 11.91% in last one year as compared to a 2.7% drop in NIFTY and a 1.11% drop in the Nifty Financial Services index.
The PE of the stock is 39.51 based on TTM earnings ending March 26.