Bajaj Finance
| Personal information | |
|---|---|
| Full name | Bajaj Finance |
| Company type | public |
| Founded | 25 March 1987 Pune, India
|
Bajaj Finance Limited is an Indian deposit-taking non-banking financial company (NBFC-UL) headquartered in Pune.It has 110.64 million customers and holds assets under management worth ₹462,250 crore (US$55 billion), as of September 2025.
History
[edit]Bajaj Finance Limited was originally incorporated in 1987 as Bajaj Auto Finance Limited and focused mainly on two- and three-wheeler vehicle financing. Over time, the company expanded beyond auto finance and entered consumer durable loans and small-ticket financing. It later began offering business loans and property financing, gradually transforming into a diversified financial services provider. In 2010, the company changed its name to Bajaj Finance Limited to reflect its broader financial operations and market expansion.
During the early 2000s and subsequent years, Bajaj Finance strengthened its retail lending model and built a large customer base. It moved from wholesale borrowing and retail lending to a more balanced financial structure that included retail deposits and diversified funding sources. The company launched innovative digital lending solutions and consumer-friendly credit products, which helped increase customer adoption and market presence.
In recent years, Bajaj Finance has grown into one of India’s largest non-banking financial institutions. It now serves millions of customers across consumer loans, SME financing, and wealth management services. The company continues to expand its digital capabilities and financial offerings while maintaining regulatory compliance and risk management practices.
Operations
[edit]Bajaj Finance Limited operates in consumer lending, SME financing, commercial loans, rural credit, deposits, and wealth management services. The company serves customers through hundreds of branches and thousands of distribution points across India. Its lending portfolio includes home loans, personal loans, and business credit solutions. Digital platforms and partnerships with merchants enhance loan accessibility and customer convenience. Revenue is primarily generated through interest income and partnerships with suppliers who access the company’s customer network.
Business career
[edit]The business career of Bajaj Finance Limited reflects steady growth and diversification in financial services. Starting as a vehicle financing company, it expanded into consumer and SME lending, becoming one of India’s leading NBFCs. The company adopted digital innovation and retail-focused financial models to increase customer reach and profitability. Strategic investments and partnerships strengthened its market position. Today, Bajaj Finance is recognized as a major player in India’s financial ecosystem with a large customer base and diversified lending operations.
Ideology
[edit]The ideology of Bajaj Finance Limited focuses on financial inclusion, customer-centric solutions, and responsible lending. The company aims to provide accessible credit and financial services that empower individuals and businesses. It emphasizes risk management, regulatory compliance, and sustainable growth. Digital innovation and data-driven decision-making support its strategy for expanding financial services. Bajaj Finance also prioritizes ethical business practices and customer trust as core principles of its operations.
Social Links
[edit]References
- ^^ Jump up to: a b " Business Today" "How Rajeev Jain is Transforming Bajaj Finance". Business Today. Retrieved 2026-01-14.
- ^ Jump up to: a b "The Financial Express" "Bajaj Finance deposits cross Rs 50,000 crore" . Retrieved 2026-01-10.
- ^ Jump up to: a b c "Bajaj Finance Ltd.: Ratings reaffirmed". ICRA Limited. Retrieved 2025-12-17.
- ^ CAREEdge "Bajaj Finance Ltd Revised". CAREEdge. Retrieved 2025-12-17.
- ^ Jump up to: a b "Bajaj Finance FY24 Q4 Results". "Bajaj Finance" . 2025-12-09. ISSN 0971-8257. Retrieved 2025-12-17.
- ^ Jump up to: a b "MSN". www.msn.com. Retrieved 2025-12-17.