Bajaj Finance Share Price

 Bajaj Finance at a Glance

Bajaj Finance Limited is one of India’s leading NBFCs (Non-Banking Financial Companies). It offers a wide range of lending products — consumer loans, small business (SME) lending, commercial loans, credit cards, and also takes deposit-like instruments. The firm is a key arm of the Bajaj Finserv group.

Because of its strong brand, large scale, and diversified loan book, Bajaj Finance is often watched closely by investors to gauge trends in retail lending and NBFC health in India.

Current Share Price & Key Metrics

• As of October 14, 2025, the share price closed around ₹1,018.60 on the BSE / NSE. Moneycontrol+2Kotak Securities+2

• On October 13, 2025, it hit a new 52-week high at ₹1,037.25. MarketWatch

• Its 52-week price band is roughly ₹ 645.10 (low) to ₹ 1,042.10 (high) Moneycontrol+2Kotak Securities+2

• Volume trade on October 14 was ~ 269,610 shares. Moneycontrol

• The stock saw a drop of ~1.80% that day, reflecting some profit booking pressure. MarketWatch+1

Valuation & Ratios

• P/E Ratio (price to earnings) is relatively high — INDmoney reports ~ 36.85×. INDmoney

• Analysts’ target forecasts: Some see room for further upside, while others warn of downside. For instance, one forecast gives a target ~ ₹1,008 (slightly lower), with a wider band up to ₹1,180. TradingView+2INDmoney+2

• Over the past year, the share has done well — up ~ 28.7% as per one source. INDmoney

So the stock is currently in a strong zone, but valuation expectations are elevated.

Recent Business Results & Highlights

To understand what’s driving market interest, let’s look at the latest quarterly performance.

Q1 FY26 (Apr to Jun 2025) — Strong Growth

• Net profit (PAT): ~ ₹4,765 crore, up ~ 22% YoY from ₹3,912 crore a year ago. The Times of India+3The Economic Times+3The Economic Times+3

• Net interest income (NII): ₹10,227 crore (~22% growth YoY) — interest on loans minus cost of funds. The Economic Times+3Moneycontrol+3NDTV Profit+3

• Total Income / Revenue: ~ ₹19,298.58 crore (~20.65% growth) mint

• Operating profit / margin: Operating profit ~ ₹6,137.68 crore (19% YoY growth) with margins ~31.80%. mint

• Assets Under Management (AUM): ~ ₹4.41 lakh crore, up ~25% YoY. NDTV Profit+2NDTV Profit+2

• The loan book also expanded (especially in consumer, SME segments) to ~ 13.49 million customers, and deposit book ~ ₹72,100 crore (growth ~15%). NDTV Profit

• Asset quality / provisions: Some caution here. Gross NPA rose to 1.03% (from ~0.86%), and Net NPA to 0.50% (from ~0.38%). Provisions increased, which tempered further upside. Samco+3NDTV Profit+3NDTV Profit+3

Hence, while the topline, profits, and scale are all showing strong growth, the incremental stress on NPAs and higher provisioning is something investors are watching carefully.

Corporate Actions & Other Moves

• In 2025, the company announced a 1:2 stock split (i.e., each share split into two) and a 4:1 bonus issue (4 bonus shares for every 1 held). mint+2Goodreturns+2

• These moves are aimed at improving share liquidity and making the stock more accessible to retail investors.

What’s Driving the Share Price & What to Watch

Key Catalysts

1. Strong growth momentum in loans & credit demand: If consumer demand, business credit, and SME lending remain healthy, Bajaj Finance stands to gain.

2. Rate environment / cost of funds: If interest rates / borrowing costs ease, margins (NII) could improve.

3. Asset quality stabilization: If NPAs and provisions stay controlled or improve, confidence will build.

4. Positive investor sentiment / momentum: Having hit new highs, momentum traders could add fuel.

Risks & Headwinds

• High valuation multiple means expectations are already priced in — any underperformance can lead to sharp corrections.

• Credit / NPA risk remains non-trivial. The uptick in NPAs in Q1 is a warning sign.

• Cost of funds: As an NBFC, it is vulnerable to rising funding costs.

• Regulatory / macro risks: Any unexpected regulation changes, macro slowdown, or stress in certain sectors (like MSME) could hurt.

Analysts have also raised caution: On July 25, 2025, markets opened lower partly because worries surfaced over stress in the MSME (Micro, Small & Medium Enterprises) segment within Bajaj’s portfolio. Reuters

In contrast, when RBI cut repo rate by 50 bps and CRR by 100 bps in June 2025, Bajaj Finance’s shares jumped ~ 5.5%, as cheaper funds boost lending margins. The Economic Times

So the stock tends to react sensitively to macro / policy cues.

Is Now a Good Time to Buy?

There’s no one-size-fits-all answer, but here’s a balanced view:

• For long-term investors who believe in credit growth in India, Bajaj Finance offers strong scale, product diversity, and track record.

• But you must be comfortable with volatility and keep an eye on asset quality trends.

• Since valuation is already somewhat elevated, a phased entry (i.e. buying in parts over time) may reduce risk.

• Monitor key triggers: next quarterly results (especially NPAs, margins), policy / rate changes, and corporate announcements.