Bajaj Finserv Limited (BAJAJFINSV) Q1 Results FY27 Preview: Date, Time, Expectations & Key Things To Watch

Bajaj Finserv enters its Q1 FY27 results with strong momentum across its lending and insurance franchises, as the group navigates a stable repo rate environment. Investors will be focused on whether the 24% YoY AUM growth at Bajaj Finance triggers a guidance revision and how the insurance subsidiaries manage their combined ratios post-acquisition.

Bajaj Finserv Limited Q1 Results Date and Time

The board will meet on 31 July 2026 to approve the unaudited financial results and recommend dividend for FY2026.

The Q1 FY27 earnings call is scheduled for 31 July 2026 at 5:15 PM IST.

What to expect from Bajaj Finserv Limited's Q1 FY27 results

Bajaj Finance's AUM grew 24% YoY to Rs. 5.46 lakh crore in Q1, placing the company at the top end of its 20–24% FY27 guidance corridor. While loan demand remains robust with 16.13 million new loans booked, the company faces continued pressure on net interest margins as the repo rate remains unchanged at 5.25%. Bajaj General Insurance reported a Q1 gross direct premium of Rs. 5,769 Cr, reflecting an 11.6% YoY increase, while Bajaj Life Insurance saw new business premiums surge 58.8% to Rs. 3,677 Cr. Management is focused on integrating the 100% ownership of insurance subsidiaries and monitoring asset quality, with credit costs in the lending business being a key metric tracked against the 145–160 bps FY27 guidance. The upcoming call will likely address the sustainability of VNB margins above 20% for the life insurance business and the trajectory of the combined ratio for the general insurance arm.

Key Things To Watch

Performance vs Guidance Tracking: Tracking early-quarter progress against FY27 targets.

• AUM Growth: 24% YoY in Q1 vs 20-24% FY27 guidance
• New Customer Additions: 16.13 million in Q1 vs 15-17 million FY27 target
• Credit Cost: Baseline to be set against 145-160 bps FY27 guidance

Insurance Subsidiaries Post-Acquisition: Operational metrics following the completion of Allianz stake acquisition.

• Bajaj General combined ratio trajectory following the 113.6% level in Q4 FY26
• Bajaj Life VNB margin sustainability against the 24.5% Q4 FY26 level
• Solvency levels for insurance entities (302% General, 266% Life as of Q4 FY26)

Emerging Business Focus: Progress toward profitability for newer business lines.

• Bajaj Finserv Health: Monitoring the 24-month operating break-even path started in Q4 FY26
• Bajaj AMC: AUM trajectory vs the Rs. 1 lakh crore break-even target

Risks and headwinds to monitor: Macro and regulatory factors impacting the group.

• Consumer leverage trends flagged by management as a potential concern
• MSME lending stress across cities and towns
• IFRS 17 adoption timeline and regulatory clarity