Bajaj Finance Financial Statements

Bajaj Finance (BAJFINANCE) reported revenue of ₹697.25B in FY2025 with net income of ₹167.79B. Total assets stood at ₹4,661.27B and free cash flow was -₹687.39B.

Bajaj Finance Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Total Revenue		266.83B	316.48B	414.06B	549.83B	697.25B
Interest Exp. Interest Expense		-94.14B	-97.54B	-125.60B	-187.25B	-247.71B
SGA Sales, General & Admin		-12.38B	-18.48B	-26.94B	-33.14B	-65.37B
Emp. Salary Employee Salary		-24.99B	-35.92B	-50.59B	-63.96B	-75.08B
Total Expenses		-206.91B	-221.44B	-258.80B	-356.81B	-476.63B
PBT Profit Before Tax		59.92B	95.04B	155.26B	193.10B	220.80B
Net Income		44.20B	70.28B	115.08B	144.51B	167.79B
Dil. Shares Diluted Shares		5.91B	6.07B	6.07B	6.12B	6.20B
Diluted EPS		7.48	11.58	18.96	23.60	26.82

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Bajaj Finance's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Bajaj Finance Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Curr. assets Total current assets		1,689.04B	2,094.59B	2,715.94B	3,709.91B	4,604.37B
Non-curr. assets Total non-current assets		26.22B	30.47B	36.35B	47.50B	56.90B
Total assets		1,715.27B	2,125.06B	2,752.29B	3,757.42B	4,661.27B
Curr. liabilities Total current liabilities		1,337.84B	1,679.94B	2,200.95B	2,980.21B	3,660.43B
Non-curr. liab. Total non-current liabilities		8.25B	7.99B	7.61B	10.25B	11.47B
Total liabilities		1,346.08B	1,687.93B	2,208.57B	2,990.46B	3,671.90B
Total equity		369.18B	437.13B	543.72B	766.95B	989.37B
Total liab. & eq. Total liabilities & equity		1,715.27B	2,125.06B	2,752.29B	3,757.42B	4,661.27B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Bajaj Finance's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Bajaj Finance Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		59.92B	95.04B	155.28B	193.02B	220.80B
Operating CF Cash flow Operating Activities		8.81B	-370.90B	-421.40B	-727.60B	-681.54B
Capex Investments in PPE		-1.32B	-6.34B	-8.78B	-6.04B	-5.84B
Investing CF Cash flow Investing Activities		-4.29B	63.47B	-103.65B	-71.71B	-27.65B
Dividend Paid		-27.40M	-6.03B	-12.07B	-18.15B	-22.25B
Financing CF Cash flow Financing Activities		18.26B	322.75B	506.75B	824.15B	705.27B
Cash (start) Cash at beginning of period		13.45B	18.49B	33.81B	15.51B	40.35B
Cash (end) Cash at end of period		18.61B	33.81B	15.51B	40.35B	36.42B
FCF Free Cash Flow		7.49B	-377.24B	-430.19B	-733.64B	-687.39B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Bajaj Finance's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025