Bajaj Finance Q4FY26 Preview: Bajaj Finance is expected to report strong performance for the quarter ended March 2026 (Q4FY26). Net Interest Income (NII) is projected at Rs 12,028 crore, reflecting a healthy 6.27 per cent sequential growth (QoQ) from Rs 11,318 crore in Q3FY26 and a robust 22.64 per cent year-on-year (YoY) increase from Rs 9,807 crore in Q4FY25.
Impairments are anticipated to decline significantly to Rs 2,241 crore, down 38.20 per cent QoQ from Rs 3,625 crore, and marginally lower by 3.79 per cent YoY. This improvement signals continued strength in asset quality.
Profit After Tax (PAT) is estimated at Rs 5,511 crore, marking a strong 35.54 per cent QoQ jump from Rs 4,066 crore and 21.24 per cent YoY growth from Rs 4,545 crore in the same quarter last year. The Net Non-Performing Assets (NNPA) percentage is expected to remain stable at 0.47 per cent, same as Q3FY26 but improved by 3 basis points YoY.
Deposits stood at Rs 68,550 crore, showing a slight decline of 3 per cent QoQ and 4 per cent YoY. New loans booked were Rs 1.29 lakh crore, down 7 per cent from the previous quarter but up 20 per cent YoY. The customer franchise expanded to 11.93 crore, registering 3 per cent sequential and 17 per cent annual growth.
Bajaj Finance Q4 Results Expectations
Analysts expect several positive trends in the upcoming results:
Commentaries on NIM trajectory and credit costs will be the key monitorables for the quarter. Bajaj Finance (BAF) delivered a strong AUM growth of 22 per cent YoY and 5 per cent QoQ. The market will keenly watch the growth guidance provided for FY27. Also, management commentary on the recovery in the MFI portfolio will be closely tracked.
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