Bajaj Finance Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Wed Apr 01 2026

Bajaj Finance Q4 Results FY26 — Board meeting on April 27, 2026 (Expected)

The Bajaj Finance Q4 results 2026 is set to be one of the most closely watched earnings events of the April-May 2026 results season. With results scheduled for April 27, 2026 (Expected), investors and analysts across brokerages are building their expectations around revenue, PAT, margin trajectory, and what management will say about FY27.

Bajaj Finance enters Q4 FY26 at a CMP of ~Rs. 8,400, against a 52-week high of Rs. 9,239 and a 52-week low of Rs. 6,187. The one-year return stands at +18%, making this quarter’s result and guidance commentary particularly important for investors deciding whether to hold, add, or exit.

This article covers the Bajaj Finance Q4 results 2026 date, earnings estimates, key factors driving performance, five risks to watch, analyst ratings and price targets, and a full set of FAQs around what investors are searching for ahead of the announcement.

Table of Contents

Bajaj Finance Q4 Results 2026 Date

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The Bajaj Finance Q4 FY26 results date is April 27, 2026 (Expected). The board of directors will meet to approve the audited financial statements for the quarter and full financial year ended March 31, 2026. The board will also consider recommending a dividend for FY26 shareholders, subject to approval at the upcoming Annual General Meeting.

Here is how the broader Q4 FY26 earnings calendar looks for large-cap Indian companies in April–May 2026:

Company	Q4 FY26 Results Date
TCS	April 9, 2026
HDFC Bank / ICICI Bank	April 18, 2026
HCL Technologies	April 21, 2026
Infosys	April 23, 2026
Bajaj Finance	April 27, 2026 (Expected)

Source: BSE/NSE exchange filings, April 2026. Expected dates may change. Verify before relying.

Why This Quarter Matters

Every quarterly result tells a story, but Bajaj Finance Q4 FY26 carries more weight than a routine earnings print. Bajaj Finance Q4 results in late April 2026 will validate whether India’s most premium-valued lending franchise continues to justify its multiple.

The market is also watching closely because Q4 is the full-year wrap-up quarter — meaning the annual results, dividend recommendation, and FY27 outlook commentary all arrive on the same date. Management tone on demand environment, pricing, and deal pipeline will shape investor expectations for the next 6–12 months, not just the next quarter.

Bajaj Finance Q4 FY26 Earnings Estimates

Bajaj Finance Q4 FY26 — Revenue, PAT, margin and growth estimates from leading brokerages

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Here is what leading brokerages are estimating for Bajaj Finance Q4 FY26 results:

Metric	Q3 FY26 (Actual)	Q4 FY26 (Estimate)
Revenue (Rs. Cr)	NII ~Rs. 9,382	NII Rs. 9,800 – 10,400
Net Profit / PAT (Rs. Cr)	4,308	Rs. 4,500 – 4,900
Margin	NIM ~10.2%	NIM 10.0 – 10.5%
CC / Volume Growth	Prior quarter	+15–18% PAT YoY (est.)
Dividend (FY26)	Rs. 36/share (FY25 final)	Rs. 40 – 44/share FY26 (est.)

Estimates compiled from MOFSL, YES Securities, JM Financial. Actual figures from NSE/BSE filings. Verify before investing.

The estimates above represent analyst consensus. Actual results could diverge — positively or negatively — based on one-time items, currency movements, and sector-specific developments. The key number to watch, beyond the headline PAT, is management’s commentary on FY27 guidance.

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5 Key Factors That Will Drive Bajaj Finance Q4 FY26 Performance

AUM Growth — 85+ Million Customers

Bajaj Finance has built India’s largest consumer lending franchise with over 85 million customers. Q4 AUM growth — expected at 25–28% YoY — is the primary revenue driver. Any acceleration in new customer additions or loan book growth beyond Rs.3.8 lakh crore would be a positive catalyst.

NIM and Yield on Advances

Bajaj Finance operates at NIM of approximately 10–10.5%, the highest in the NBFC sector. Q4 will test whether RBI rate cuts have begun to compress lending yields faster than funding cost reductions. Any NIM contraction beyond 20 basis points would weigh on NII and ultimately PAT.

Asset Quality — Unsecured Lending Risk

The broader NBFC sector has shown stress in unsecured personal loans and microfinance. Bajaj Finance’s gross NPA ratio has historically been managed well. Q4 credit cost guidance will be critical — any uptick in unsecured loan slippages would compress PAT and trigger a re-rating of the growth premium.

New Product Lines — Home Loans and Gold Loans

Bajaj Finance has been expanding into home loans (through Bajaj Housing Finance) and gold loans. Q4 disbursement data in these segments — particularly Bajaj Housing Finance’s performance — will indicate whether the product diversification strategy is scaling at expected rates.

ROE and Capital Adequacy

Bajaj Finance delivers ROE consistently above 22% — a key reason for its premium valuation. Q4 capital adequacy and leverage ratios will be watched to assess whether rapid AUM growth is stretching the balance sheet.

5 Risks to Watch in Bajaj Finance Q4 FY26

Unsecured Loan Stress Spillover

The microfinance and personal loan segments across the lending industry have shown elevated delinquency rates in FY26. While Bajaj Finance has a more diversified and higher-quality borrower profile, any evidence of stress spilling into its consumer durable or digital lending book would pressure credit costs.

RBI Rate Cut Impact on Yield

As the RBI cuts rates in FY27, Bajaj Finance’s lending rates — which are partly floating and partly fixed — will reprice downward. The funding cost relief may not be immediate, creating temporary NIM compression in transition quarters.

Regulatory Risk — NBFC Oversight Tightening

RBI has been increasingly active in regulating NBFCs — tightening norms on provisioning, concentration risk, and co-lending partnerships. Any new NBFC-specific regulatory action could disrupt Bajaj Finance’s product portfolio or growth trajectory.

Bajaj Housing Fianance IPO Overhang

The demerger and listing of Bajaj Housing Finance created some structural questions about the parent’s growth trajectory and capital allocation. Investors will watch whether the housing finance subsidiary’s performance justifies the capital deployed.

Valuation Premium Risk

Bajaj Finance trades at approximately 6.5–7x book value — a significant premium even for the best NBFC in India. This leaves no room for earnings misses. Any sequential PAT miss in Q4 — even a small one — would result in a disproportionate stock price correction given the premium valuation.

Bajaj Finance Share Price and Analyst Ratings

Bajaj Finance share price snapshot and analyst ratings heading into Q4 FY26 results

Bajaj Finance shares are trading at ~Rs. 8,400 as of late March 2026. The 52-week high stands at Rs. 9,239 and the 52-week low at Rs. 6,187. One-year return is +18%, against a market cap of ~Rs. 5.21 Lakh Cr.

Here is where leading brokerages stand on Bajaj Finance heading into Q4 FY26 results:

Brokerage	Rating	Target Price	Key Thesis
Motilal Oswal	Buy	Rs. 10,000	AUM CAGR 25%+ + product expansion
Kotak Institutional	Buy	Rs. 9,500	Best-in-class NBFC franchise
ICICI Direct	Buy	Rs. 9,800	NIM stable; credit cost under control
Emkay Global	Add	Rs. 9,000	Watching unsecured stress in Q4

Source: Publicly available analyst notes, March–April 2026. For informational purposes only.

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Conclusion

Bajaj Finance Q4 results in late April 2026 will validate whether India’s most premium-valued lending franchise continues to justify its multiple. PAT in the Rs.4,500–4,900 crore range and AUM growth of 25%+ are expected. The key swing factor is credit quality — if Bajaj Finance demonstrates that its underwriting standards have kept it insulated from the broader NBFC sector stress, the stock has a credible path back toward Rs.9,000–10,000.

This article is for informational and educational purposes only. Investments in securities are subject to market risk. Please read all related documents before investing. Past performance is not indicative of future results.

For more Q4 earnings previews across IT, banking, auto, and pharma sectors, visit Univest Blogs.

Frequently Asked Questions

What is the Bajaj Finance Q4 results 2026 date?

The Bajaj Finance Q4 results 2026 date is April 27, 2026 (Expected). The board will meet to approve the audited Q4 FY26 financial results — covering the quarter ended March 31, 2026 — and will consider a dividend recommendation for FY26.

What is the Bajaj Finance Q4 FY26 PAT estimate?

Analysts estimate Bajaj Finance Q4 FY26 net profit (PAT) in the range of Rs.Rs. 4,500 – 4,900 crore. This estimate is based on revenue assumptions of Rs.NII Rs. 9,800 – 10,400 crore and a margin of NIM 10.0 – 10.5%. Actual results may differ from these consensus estimates.

What is Bajaj Finance’s current share price ahead of Q4 results?

Bajaj Finance shares are trading at approximately ~Rs. 8,400 as of late March 2026. The 52-week high is Rs. 9,239 and the 52-week low is Rs. 6,187. The one-year return is +18% and the market cap stands at ~Rs. 5.21 Lakh Cr.

Will Bajaj Finance declare a dividend in Q4 2026?

Bajaj Finance is expected to consider a dividend recommendation at the April 27, 2026 (Expected) board meeting. FY26 dividends paid so far total Rs. 36/share (FY25 final). Analysts estimate the Q4 final or additional dividend at Rs. 40 – 44/share FY26 (est.) per share, subject to board approval and shareholder ratification at the AGM.

Which analysts have a Buy rating on Bajaj Finance before Q4 results?

Motilal Oswal (Buy, TP: Rs. 10,000); Kotak Institutional (Buy, TP: Rs. 9,500); ICICI Direct (Buy, TP: Rs. 9,800); Emkay Global (Add, TP: Rs. 9,000). These ratings are based on publicly available analyst notes from March–April 2026. They are for informational purposes only and not a recommendation.

What were Bajaj Finance Q3 FY26 results?

Bajaj Finance Q3 FY26 results showed revenue of Rs.NII ~Rs. 9,382 crore and PAT of Rs.4,308 crore. Margins were at NIM ~10.2%. Q4 is expected to show a different picture — review the estimates table in this article for full expectations.

When do Infosys and TCS announce Q4 results 2026?

TCS Q4 results 2026 date is April 9, 2026. Infosys Q4 results date is April 23, 2026. HCL Technologies reports on April 21. Read full Q4 previews for all these companies on Univest Blogs.

Is Bajaj Finance a good investment ahead of Q4 results?

This depends on your risk appetite, investment horizon, and portfolio context. Bajaj Finance has both compelling factors and genuine near-term risks — both are covered in detail in this article. Consult a SEBI-registered financial advisor before making any investment decision. Use the Univest Screener to assess Bajaj Finance fundamentals independently before investing.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE/BSE filings, MOFSL, YES Securities, JM Financial, Screener.in and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.