Bajaj Finance Ltd

The transcript from page 18 of the Bajaj Finance Limited document dated April 29, 2026, does not specifically mention any current or future fundraising plans through debt or equity. Key points related to financial strategy are: - Focus on resiliency and "bullet proofing" the balance sheet by ensuring profit growth exceeds balance sheet growth. - Prioritize strengthening the balance sheet to navigate continuous crises. - Commitment to staying open for business amid geopolitical and economic uncertainties. - Emphasis on agility and risk management rather than raising new funds. - No explicit mention of any planned equity or debt fundraising initiatives in the near or medium term. Therefore, there is no clear communication or guidance about new fundraising through debt or equity in the provided pages.

- Bajaj Finance is heavily investing in AI infrastructure as a strategic priority, aiming to become a FinAI firm. - AI team currently has 203 people, expanding to around 363 by June 2027. - Investments include AI-driven customer engagement tools like voice/text BOTs, AI-generated marketing content, and automation in customer onboarding. - AI call center agents have reduced costs significantly, with 30% of outbound voice agents now AI-based. - The company is deploying 2,700 cameras in branches for faster customer identification and frictionless service. - Between FY26 and FY27, deployment of 600+ autonomous AI agents across operations, HR, technology, and risk is planned. - While Bajaj Finance does not publicly disclose explicit capex figures, they emphasize no restraint in investing "whatever it takes" to lead in AI transformation. - Investment focus includes talent acquisition, compute resources, use case development, and security/compliance infrastructure to support AI initiatives.

- Bajaj Finance anticipates 20% to 24% AUM (sales/loan book) growth in FY27. - New businesses launched recently contributed 3.5% of total growth, expected to increase. - Estimated addition of 15 to 17 million new customers in FY27. - Marginal moderation in NIM expected, contingent on interest rates and geopolitical tensions. - Operating expense ratio (opex to NTI) expected to improve by 25 to 40 basis points. - Profit growth likely to outpace AUM growth due to efficiency gains and AI deployment. - Market share in total credit in India expected to increase from 225 to 250 basis points. - Growth drivers include AI transformation, increased customer centricity, and expansion in segments like gold loans (targeting ~5% of balance sheet). - MSME segment to regain growth momentum in the second half of FY27. - Focus on maintaining portfolio mix for balanced risk and profitability.

- Bajaj Finance expects profit growth in FY27 to possibly outpace balance sheet growth, with optimism around profit growth of 35-40% against AUM growth of 22-24%. - Management guidance projects AUM growth between 22% and 24% for FY27, supporting strong profit growth. - Return on Assets (ROA) guidance is maintained at 4.4% to 4.6% for FY27. - Return on Equity (ROE) guidance stands at 19% to 20% for FY27. - Operating efficiency improvements anticipated, with opex to NTI expected to improve by 25 to 40 basis points. - Credit costs projected to moderate to 145-160 bps, providing tailwinds to profitability. - AI transformation and customer-centric strategies are expected to aid compounding of earnings. - New businesses launched recently, though smaller currently, are expected to contribute increasingly to growth and profits.

The document does not explicitly mention current or expected orderbook or pending orders for Bajaj Finance Limited. The discussions mainly focus on: - Growth in assets under management (AUM) and balance sheet expansion. - Customer acquisition numbers (15-17 million new customers expected in FY27). - AI deployment for efficiency and automation within operations. - Market share growth in credit. - Credit cost guidance and return on equity (ROE) targets. - Business resilience and “bullet proofing” balance sheet strategies amidst geopolitical uncertainties. No specific figures or commentary related to orderbook, pending orders, or similar backlog metrics are provided in the transcript on pages 6-18.