Bajaj Finance Share 2025: A Comprehensive Guide for Investors
Bajaj Finance Ltd., one of India’s top-performing non-banking financial companies (NBFCs), has emerged as a cornerstone of retail and SME credit in India. Known for its innovative digital ecosystem and consistent financial growth, it has become a popular investment option for long-term investors. In this article, we will analyze Bajaj Finance’s stock performance, financials, shareholding, peer comparisons, and most importantly—its 5-year future outlook to determine whether it’s still a good buy in 2025 and beyond.
1. Company Overview
Founded: 1987
Headquarters: Pune, Maharashtra
Parent Organization: Bajaj Finserv Ltd.
CEO & MD: Sanjiv Bajaj
Core Business Segments: Consumer durable finance, SME loans, gold loans, rural lending, deposits, insurance, and digital lending.
The company’s strong focus on digital transformation and technology-backed financial services has positioned it as a formidable fintech-NBFC hybrid.
2. Bajaj Finance Share Price Performance Snapshot (as of July 2025)
| Metric | Value |
|---|---|
| Current Share Price | ₹7,200 |
| 52-Week High / Low | ₹7,560 / ₹5,480 |
| Market Capitalization | ₹4.3 Lakh Crore |
| Price-to-Earnings (P/E) | ~30x |
| Dividend Yield | 0.38% |
| Return on Equity (RoE) | 22.5% |
| Earnings per Share | ₹245 (TTM) |
Bajaj Finance’s share price has shown resilience and steady growth, even amid broader market volatility.
3. Financial Performance: FY24 vs FY25
| Parameter | Q1 FY25 | Q4 FY24 | YoY Growth |
| Revenue | ₹12,820 Cr | ₹11,960 Cr | +16.5% |
| Net Profit | ₹3,910 Cr | ₹3,590 Cr | +15.3% |
| Net Interest Margin | 10.9% | 10.5% | Stable |
| Gross NPA | 1.14% | 1.26% | Improved |
| Assets Under Mgmt | ₹3.08 L Cr | ₹2.94 L Cr | +13.6% |
Solid performance in revenue and profit growth indicates sustainable operations.
4. Strategic Growth Drivers
Digital-First Expansion: 75%+ loans sourced digitally
EMI Cards: Over 4 crore users
Buy Now Pay Later (BNPL): Growing rapidly through e-commerce partnerships
Geographic Reach: Deep penetration into Tier 3 and 4 cities
Customer Base: Over 8.3 crore active users
5. Shareholding Pattern (as of June 2025)
| Category | Percentage Held |
| Promoters | 55.8% |
| FIIs/FPIs | 18.4% |
| Mutual Funds | 12.6% |
| Retail Investors | 10.3% |
| Others | 2.9% |
Strong promoter and institutional holding shows long-term confidence in the company.
6. SWOT Analysis
Strengths:
Strong digital ecosystem
High-quality, diversified loan book
Low NPA and strong RoE
Brand trust and scalability
Weaknesses:
High valuations
Sensitive to regulatory and interest rate changes
Opportunities:
Rural lending and financial inclusion
Expansion in wealth management and insurance
Threats:
Fintech competition
Macroeconomic volatility
7. Future Insight: 5-Year Growth Forecast (2025–2030)
| Year | Expected Revenue | Net Profit (Est.) | EPS Target | Share Price Estimate |
| FY26 | ₹56,000 Cr | ₹14,500 Cr | ₹280 | ₹8,200 – ₹8,500 |
| FY27 | ₹64,000 Cr | ₹16,200 Cr | ₹310 | ₹9,000 – ₹9,400 |
| FY30 | ₹90,000+ Cr | ₹23,000+ Cr | ₹420+ | ₹11,000 – ₹12,000 |
Projections are based on a conservative CAGR of 14–16%, historical valuation trends, and industry growth.
Will It Gain or Lose?
Gain Factors:
Consistent revenue and AUM growth
Digital dominance
Favorable demographics and credit penetration in India
Possible Risk Factors:
Global recession
RBI regulations tightening
High interest rate cycle
Despite these risks, Bajaj Finance has a strong foundation and is projected to offer 40–60% growth in stock price over 5 years.
8. Peer Comparison: 2025 Snapshot
| Company | P/E Ratio | RoE | AUM | Gross NPA | Market Cap |
| Bajaj Finance | 30x | 22.5% | ₹3.08 L Cr | 1.14% | ₹4.3 L Cr |
| HDFC Ltd | 28x | 18.9% | ₹6.1 L Cr | 1.2% | ₹6.9 L Cr |
| Muthoot Finance | 18x | 16.5% | ₹0.8 L Cr | 1.6% | ₹0.6 L Cr |
| SBI Cards | 36x | 15.1% | ₹0.9 L Cr | 2.1% | ₹1.1 L Cr |
Bajaj Finance holds its edge in digital infrastructure and customer penetration.
9. Investment Strategy
Investment Horizon: Ideal for 3–10 year investors
Minimum Capital Required: ₹7,200 for 1 share. Investors can also use SIP or fraction investing methods for small monthly contributions.
Ways to Invest:
Via Demat account through brokers like Zerodha, Upstox, Groww, etc.
Direct Mutual Fund SIPs with exposure to Bajaj Finance
Investor Tip: Invest in market dips and avoid chasing rallies.
Profit Calculator Example:
Investment Today: ₹72,000 (10 shares)
Expected Value in 5 Years: ₹1,10,000 – ₹1,20,000
Return: 52% – 66%
Conclusion
Bajaj Finance is not just a stock—it’s a long-term value play for serious investors. With its strong fundamentals, growth-oriented digital strategy, and proven management, the stock is expected to outperform its peers over the next 5 years. If you’re planning for wealth creation with calculated risk, this stock deserves a core place in your portfolio.