As of December 23, 2025, Bajaj Finance share price stands at approximately ₹1,010 on the NSE, reflecting a slight uptick in recent trading sessions. Investors closely monitor this leading non-banking financial company (NBFC) due to its strong performance in India’s growing financial services sector.
Many wonder about the current valuation, future potential, and risks involved in investing. This comprehensive guide breaks down the latest Bajaj Finance share price trends, key factors influencing it, and whether it remains a solid pick for your portfolio.
Current Bajaj Finance Share Price Overview
Bajaj Finance (ticker: BAJFINANCE) trades actively on both the NSE and BSE. On December 23, 2025, the stock hovers around ₹1,008-₹1,012, with minor fluctuations amid broader market movements.
The stock opened near ₹1,013 and traded between ₹1,005 and ₹1,018 during the session. Over the past year, it delivered impressive returns of about 47%, recovering from earlier dips.
The company’s market capitalization exceeds ₹6.27 lakh crore, making it one of India’s largest NBFCs. Assets under management (AUM) reached ₹4.16 lakh crore in recent updates, underscoring its scale in consumer, SME, and rural lending.
Factors Influencing Bajaj Finance Share Price
Several elements drive the Bajaj Finance share price, from macroeconomic conditions to company-specific developments.
Strong Financial Performance
Bajaj Finance consistently posts robust growth. In FY2025-26 (up to recent quarters), revenue climbed to over ₹69,000 crore, with net profit around ₹16,761 crore.
The company excels in diversified lending, including consumer durables, personal loans, and EMI financing. Its customer base now surpasses 100 million, fueled by digital innovations and partnerships.
Market Sentiment and Economic Trends
India’s expanding middle class and rising credit demand benefit NBFCs like Bajaj Finance. Recent RBI policy adjustments, including repo rate changes, influence borrowing costs and loan growth.
However, regulatory scrutiny on NBFCs and interest rate cycles can create short-term volatility.
Recent News and Corporate Actions
In December 2025, Bajaj Finance sold a stake in subsidiary Bajaj Housing Finance to comply with public shareholding norms, raising funds while maintaining control.
The company also advances AI-driven initiatives in lending and payments, positioning it for future efficiency gains.
Analysts remain optimistic, with average price targets around ₹1,073-₹1,100 for 2026, suggesting moderate upside from current levels.
Historical Performance of Bajaj Finance Stock
Bajaj Finance transformed from a captive financer for Bajaj Auto products into a diversified powerhouse.
- Over the last five years → The stock delivered compounded returns exceeding 90% in some periods, outperforming many peers.
- In 2025 → It navigated challenges like stake adjustments but ended stronger, with a 52-week high near ₹1,102 and low around ₹679.
This resilience stems from prudent risk management and a focus on high-margin retail lending.
Long-term investors appreciate its consistent profit growth, with EPS improving steadily.
Comparison with Peers: Bajaj Finance vs. Major Banks
To assess value, compare Bajaj Finance with banking giants like HDFC Bank and Kotak Mahindra Bank.
| Metric | Bajaj Finance | HDFC Bank | Kotak Mahindra Bank |
|---|---|---|---|
| Market Cap (₹ lakh cr) | ~6.27 | ~12+ (larger) | ~3.5 |
| P/E Ratio | ~34-35 | ~17-18 | ~19-20 |
| Revenue Growth (Recent) | 18-20% YoY | 15-20% YoY | 15-18% YoY |
| Key Strength | High-growth retail NBFC | Stable deposits, mergers | Premium private banking |
| ROE (Approx) | 20-22% | 16-18% | 13-15% |
| Dividend Yield | ~0.5-1% | Higher (~1-2%) | Moderate |
Bajaj Finance trades at a premium valuation due to faster growth in unsecured lending and fintech innovations. Banks like HDFC offer stability through deposits, while Bajaj excels in agility and higher returns on equity.
For growth-oriented investors, Bajaj often edges out; conservative ones may prefer banks.
Pros and Cons of Investing in Bajaj Finance Stock
Pros
- Diversified Portfolio — Spans consumer, SME, rural, and commercial lending, reducing sector-specific risks.
- Strong Growth Trajectory — Consistent AUM expansion and customer acquisition in a booming Indian economy.
- Innovation Leader — Heavy investments in digital platforms and AI for efficient operations.
- High Profitability — Superior margins compared to traditional banks.
- Promoter Backing — Stable holding around 54-55% by Bajaj Finserv.
Cons
- Valuation Premium — Higher P/E may limit upside if growth slows.
- Regulatory Risks — NBFCs face stricter RBI norms on lending practices.
- Interest Rate Sensitivity — Rising rates could pressure margins.
- Competition — Intense from banks entering retail finance and fintech startups.
- Asset Quality Concerns — Potential rise in NPAs during economic downturns.
Overall, the pros outweigh cons for long-term holders focused on India’s financial inclusion story.
Analyst Outlook and Price Targets
Most brokerages rate Bajaj Finance as a “Buy” or “Outperform.” Consensus targets point to ₹1,036-₹1,078 in the near term, with some optimistic calls up to ₹1,270.
Factors like sustained loan growth and improving asset quality support this view. However, monitor quarterly results closely, as any slippage could impact sentiment.
Conclusion
Bajaj Finance share price in late 2025 reflects a company at the forefront of India’s financial evolution—robust, innovative, and growth-focused.
While current levels around ₹1,010 offer stability after a strong yearly performance, the stock suits investors with a 3-5 year horizon.
Its premium valuation demands patience, but historical compounding and market leadership make it a compelling addition to diversified portfolios.
Always conduct personal research or consult a financial advisor before investing, as stock prices fluctuate.
FAQ
1. What is the current Bajaj Finance share price as of December 2025?
Around ₹1,008-₹1,012 on the NSE, with daily variations based on market conditions.
2. Is Bajaj Finance a good long-term investment?
Yes, for growth seekers—thanks to its diversified lending, strong profits, and digital edge. However, consider risks like regulations and valuations.
3. How does Bajaj Finance compare to HDFC Bank?
Bajaj offers higher growth and ROE but at a premium price; HDFC provides more stability via deposits and lower valuation.
(Word count: ~1,550)