Bajaj Finance Q1 FY27 Results Preview: What to Expect

The Bajaj Finance Q1 FY27 results preview from Univest Research, led by Ankit Jaiswal, Senior Research Analyst, uses verified consolidated quarterly financial data consolidated data as its foundation. Q4 FY26 consolidated Revenue was Rs 21,606 Cr and PAT was Rs 5,553 Cr. Q1 FY27 Revenue is estimated at Rs 23,059 Cr and PAT at Rs 5,821 Cr using the seasonal ratio (Q1FY26/Q4FY25) applied to the Q4 FY26 base.

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Bajaj Finance Q1 FY27 Results Preview at a Glance

Metric	Q4 FY26 Actual	Q1 FY27 Estimate (Univest Research)	Change
Revenue (Rs Cr)	21,606	23,059	+6.7% QoQ
PAT (Rs Cr)	5,553	5,821	+4.8% QoQ
AUM (Rs Cr)	5,09,000 (consolidated)	Growing	YoY
NIM (%)	~9.5%	Stable	Trend
Credit Cost	165-175 bps of AUM	Normalising	Trend

Revenue and PAT consolidated quarterly results. Sector metrics from Bajaj Finance BSE/NSE exchange filing. Q1 FY27 figures are Univest Research estimates (seasonal ratio (Q1FY26/Q4FY25)) — not brokerage research. quarterly financial data consolidated PAT may differ from press release standalone PAT.

Bajaj Finance Q1 FY27 results preview Revenue Estimate: Rs 23,059 Cr

The Bajaj Finance Q1 FY27 results preview revenue estimate of Rs 23,059 Cr is derived from Primary: Q4FY26 x (Q1FY26/Q4FY25) = 21,606 x 1.067. Q4 FY26 consolidated revenue of Rs 21,606 Cr and Q1 FY26 consolidated revenue of Rs 19,524 Cr are both sourced. The estimate reflects seasonal patterns observed in the previous year and is labelled as a Univest Research projection, not a brokerage consensus.

Bajaj Finance Q1 FY27 results preview PAT Estimate: Rs 5,821 Cr

The Bajaj Finance Q1 FY27 results preview PAT estimate of Rs 5,821 Cr is derived from Primary: Q4FY26 x (Q1FY26/Q4FY25) = 5,553 x 1.048. Q4 FY26 consolidated PAT of Rs 5,553 Cr is sourced. Q1 FY26 PAT was Rs 4,765 Cr and Q4 FY25 PAT was Rs 4,546 Cr (both ), confirming the seasonal basis. Actual Q1 FY27 PAT will depend on exceptional items, tax rates and provisioning levels not captured in this trend estimate.

Key Watchpoints in the Bajaj Finance Q1 FY27 results preview

AUM Growth

Q4 FY26 consolidated AUM was Rs 5,09,000 (consolidated) Cr per the company exchange filing. The Bajaj Finance Q1 FY27 results preview expects continued AUM compounding through new loan disbursements in Q1 FY27.

Credit Cost

Q4 FY26 credit cost was 165-175 bps of AUM per the company exchange filing. The Bajaj Finance Q1 FY27 results preview projects gradual normalisation continuing through Q1 FY27.

Risks to the Bajaj Finance Q1 FY27 results preview Estimate

Exceptional Items

The Bajaj Finance Q1 FY27 results preview trend estimate does not account for one-time gains or losses. Any exceptional item in Q1 FY27 would cause actual PAT to deviate from the Rs 5,821 Cr estimate.

Macro Headwinds

Global uncertainty, commodity volatility and currency movements represent external risks to the Bajaj Finance Q1 FY27 results preview. The Q4 FY26 base of Rs 5,553 Cr PAT may itself have benefited from or been hurt by factors that may not repeat in Q1 FY27.

Bajaj Finance Q1 FY27 results preview: Conclusion

The Bajaj Finance Q1 FY27 results preview from Univest Research projects Revenue at Rs 23,059 Cr and PAT at Rs 5,821 Cr for Q1 FY27, derived from seasonal ratio (Q1FY26/Q4FY25) applied to verified consolidated quarterly financial data Q4 FY26 actuals. These are Univest Research trend estimates, not brokerage research reports. All actuals in this Bajaj Finance Q1 FY27 results preview are sourced consolidated quarterly results and the company’s BSE/NSE exchange filings.

When Bajaj Finance Q1 FY27 results are declared, investors should compare the actual Revenue and PAT against the Bajaj Finance Q1 FY27 results preview estimates and the historical quarterly data to assess the quarter’s performance.

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With Q1 FY27 results season approaching, tracking Bajaj Finance data can help you time decisions better. Use the tools below before results are declared.

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Frequently Asked Questions on Bajaj Finance Q1 FY27 Results Preview

What PAT does the Bajaj Finance Q1 FY27 results preview estimate?

Ans. The Bajaj Finance Q1 FY27 projects PAT at Rs 5,821 Cr using seasonal ratio (Q1FY26/Q4FY25) applied to Q4 FY26 consolidated PAT of Rs 5,553 Cr.

What revenue does the Bajaj Finance Q1 FY27 results preview project?

Ans. The Bajaj Finance Q1 FY27 estimates revenue at Rs 23,059 Cr using seasonal ratio (Q1FY26/Q4FY25) applied to Q4 FY26 consolidated revenue of Rs 21,606 Cr.

What data sources power the Bajaj Finance Q1 FY27 results preview?

Ans. The Bajaj Finance Q1 FY27 uses consolidated quarterly financial data for Revenue and PAT, and the company’s official BSE/NSE exchange filing for sector-specific metrics like NIM, GNPA, margins and volume growth.

Are the Q1 FY27 figures in the Bajaj Finance Q1 FY27 results preview from a brokerage?

Ans. No. The Q1 FY27 figures in the Bajaj Finance Q1 FY27 are Univest Research trend estimates. They are not from Motilal Oswal, HDFC Securities, Kotak or any external brokerage research report.

What was Q4 FY26 performance ahead of the Bajaj Finance Q1 FY27 results preview?

Ans. Q4 FY26 consolidated Revenue was Rs 21,606 Cr and PAT was Rs 5,553 Cr. Q1 FY26 Revenue was Rs 19,524 Cr and PAT Rs 4,765 Cr, providing the seasonal trend basis for the Bajaj Finance Q1 FY27.

What are the key risks highlighted in the Bajaj Finance Q1 FY27 results preview?

Ans. The Bajaj Finance Q1 FY27 identifies macro headwinds, base effect from Q4 FY26 performance, and sector-specific risks as the primary drivers that could push actual Q1 FY27 results above or below the Univest Research estimate.

When will actual results confirm the Bajaj Finance Q1 FY27 results preview projections?

Ans. Bajaj Finance Q1 FY27 results will be declared a few weeks after the quarter end, with the exact date notified on NSE and BSE. Track live Bajaj Finance data on the Univest quarterly financial data to stay updated before the Bajaj Finance Q1 FY27 estimate is confirmed or revised.