Bajaj Finance Share Price Target & Forecast 2025–2030: A Wealth-Building Opportunity?
Bajaj Finance Share Price Target: Bajaj Finance Limited (NSE: BAJFINANCE), a leading non-banking financial company (NBFC) in India, is renowned for its diversified lending portfolio and robust growth. As of June 2025, its share price stands at approximately ₹947.00, reflecting a 1.99% daily gain. With a market cap of ₹5,88,492.93 crore and a strong presence in retail, SME, and commercial lending, Bajaj Finance is a top pick for investors. This article provides a comprehensive forecast of Bajaj Finance’s share price targets from 2025 to 2030, leveraging fundamental and technical analysis to guide your investment decisions.
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Table of Contents
Bajaj Finance Overview
Incorporated in 1987 as Bajaj Auto Finance Limited, Bajaj Finance Limited (BFL) is a Pune-based NBFC and a subsidiary of Bajaj Finserv. Registered with the Reserve Bank of India (RBI) as a deposit-taking NBFC, BFL offers a wide range of financial products, including consumer finance, personal loans, home loans, and co-branded credit cards. With operations across urban and rural India, BFL serves over 97.12 million customers, leveraging technology for seamless lending solutions.
Key Company Highlights
- Market Leadership: Among India’s largest NBFCs, with a market cap of ₹5,88,492.93 crore (up 33.1% YoY).
- Diversified Portfolio: Spans consumer finance, SME lending, commercial lending, and deposits.
- Financial Strength: Q4 FY25 net profit of ₹4,479.57 crore, up 17.13% YoY.
- Promoter Holding: 54.7%, signaling strong insider confidence.
Bajaj Finance Share Price Target 2025
Analysts project Bajaj Finance’s share price to range between ₹910.17–₹1,112.00 in 2025, with an average target of ₹1,011.10, implying a 6.77% upside from ₹947.00.
Key Drivers
- AUM Growth: 18% YoY increase in Assets Under Management (AUM), reaching ₹3,30,000 crore in FY25.
- Digital Transformation: Investments in cybersecurity and AI-driven loan processing enhance efficiency.
- Consumer Demand: Strong growth in consumer durable and personal loan segments.
- Analyst Sentiment: 20/34 analysts rate “Buy,” with 8 “Strong Buy” and 4 “Sell.”
Technical Indicators
- Moving Averages: Trading above 50-day EMA (₹906), signaling bullish momentum.
- RSI: Neutral at 50–60, indicating balanced buying pressure.
- Support/Resistance: Support at ₹880–₹900, resistance at ₹960–₹978.80.
2025 Price Target Table
| Period | Low Target | High Target | Average Target |
|---|---|---|---|
| Start of 2025 | ₹910.17 | ₹1,050.00 | ₹980.09 |
| Mid-2025 | ₹950.00 | ₹1,080.00 | ₹1,015.00 |
| End of 2025 | ₹980.00 | ₹1,112.00 | ₹1,011.10 |
Bajaj Finance Share Price Target 2026
In 2026, Bajaj Finance’s share price is expected to range between ₹1,050–₹1,300, with an average of ₹1,175. Growth will be driven by rural lending and digital initiatives.
Growth Catalysts
- Rural B2C Recovery: Projected 20–25% growth in FY26.
- Stock Split & Bonus: 1:2 stock split and 4:1 bonus issue (June 2025) enhance liquidity.
- RBI Policy Support: 100 bps CRR cut boosts liquidity for NBFCs.
Risks
- Credit Costs: Elevated costs in unsecured lending segments.
- Regulatory Scrutiny: RBI’s monitoring of NBFC lending practices.
Bajaj Finance Share Price Target 2027
By 2027, analysts forecast a share price range of ₹1,200–₹1,600, averaging ₹1,400.
Key Factors
- Portfolio Diversification: Growth in home loans and SME lending via Bajaj Housing Finance.
- Profitability: Expected 15% YoY profit growth, driven by operational efficiency.
- Market Sentiment: Bullish channel trend with volume spikes.
Bajaj Finance Share Price Target 2028
For 2028, Bajaj Finance’s share price is projected to range between ₹1,400–₹1,900, with an average of ₹1,650.
Strategic Moves
- Digital Lending: Enhanced customer onboarding via B2C mobile app.
- AUM Expansion: Targeting ₹4,00,000 crore AUM by FY28.
- Analyst Upgrades: Sharekhan targets ₹1,350 for FY28.
Bajaj Finance Share Price Target 2029
In 2029, the share price could reach ₹1,700–₹2,300, averaging ₹2,000.
Long-Term Drivers
- Housing Finance Growth: Bajaj Housing Finance’s 54% profit growth in Q4 FY25.
- Interest Rate Sensitivity: Benefits from RBI’s repo rate adjustments.
- Customer Base: Serving over 100 million customers by FY29.
Bajaj Finance Share Price Target 2030
By 2030, Bajaj Finance’s share price is forecasted to range between ₹2,000–₹2,800, with an average of ₹2,400. Optimistic estimates reach ₹3,000.
Growth Outlook
- Market Leadership: Second-largest NBFC by AUM, with strong rural and urban presence.
- Technology Edge: AI and cybersecurity investments enhance scalability.
- Profitability: Projected 18% CAGR in net profit from FY25–30.
Price Target Summary Table (2025–2030)
| Year | Low Target | High Target | Average Target | Key Catalyst |
|---|---|---|---|---|
| 2025 | ₹910.17 | ₹1,112.00 | ₹1,011.10 | AUM growth, digital transformation |
| 2026 | ₹1,050.00 | ₹1,300.00 | ₹1,175.00 | Rural lending recovery |
| 2027 | ₹1,200.00 | ₹1,600.00 | ₹1,400.00 | SME and housing finance |
| 2028 | ₹1,400.00 | ₹1,900.00 | ₹1,650.00 | Digital lending scale |
| 2029 | ₹1,700.00 | ₹2,300.00 | ₹2,000.00 | Housing finance growth |
| 2030 | ₹2,000.00 | ₹2,800.00 | ₹2,400.00 | Technology leadership |
Why Invest in Bajaj Finance?
Bajaj Finance’s diversified portfolio, strong financials, and focus on technology make it a compelling long-term investment. Its 6.03% dividend yield and 32.07% YoY return highlight its appeal for both growth and income investors.
Investment Advantages
- Diversification: Lending across consumer, SME, and commercial segments reduces risk.
- Digital Innovation: Investments in AI and cybersecurity enhance efficiency.
- Analyst Support: 20/34 analysts recommend “Buy” with a median target of ₹910.17.
- Dividend Consistency: Paid dividends 34 times since 1987, with ₹44 in May 2025.
Risks to Consider
- Credit Quality: High credit costs in unsecured lending.
- Valuation Concerns: Trading at 6.09x book value, higher than sector peers.
- Regulatory Risks: Ongoing RBI scrutiny and volume movement queries.
Additional Factors Driving Bajaj Finance’s Growth
Strategic Initiatives
- Stock Split & Bonus: 1:2 split and 4:1 bonus issue (June 2025) boost liquidity and accessibility.
- Bajaj Housing Finance: 54% YoY profit growth in Q4 FY25 strengthens the group’s portfolio.
- NCD Issuances: Raised ₹9,371.27 crore via NCDs in May 2025.
Technological Advancements
- B2C Mobile App: Enhances customer onboarding and loan processing.
- Cybersecurity Focus: Protects against digital threats, ensuring operational resilience.
Macroeconomic Tailwinds
- RBI Policy: 100 bps CRR cut supports NBFC liquidity.
- Consumer Demand: Rising demand for consumer durables and personal loans in urban and rural India.
How to Invest in Bajaj Finance Shares
Investing in Bajaj Finance is simple:
- Open a Demat Account: Use platforms like Zerodha, Upstox, or INDmoney.
- Choose Investment Type: Opt for lump-sum purchases or SIPs for regular investments.
- Monitor Performance: Track quarterly results and technical indicators like EMA and RSI.
- Consult Advisors: Seek professional advice for tailored strategies.
Bajaj Finance Share Price Target FAQ
Q1: What is Bajaj Finance’s share price target for 2025?
A: Analysts project ₹910.17–₹1,112.00, averaging ₹1,011.10.
Q2: Is Bajaj Finance a good long-term investment?
A: Yes, its diversified portfolio, digital innovation, and strong financials make it attractive.
Q3: What are the risks of investing in Bajaj Finance?
A: High credit costs, regulatory scrutiny, and elevated valuations.
Q4: How does Bajaj Finance’s stock split impact its price?
A: The 1:2 split and 4:1 bonus issue (June 2025) increase liquidity, making shares more accessible.
Q5: What is Bajaj Finance’s dividend yield?
A: 6.03% as of June 2025, with a ₹44 dividend paid in May 2025.
Q6: Why is Bajaj Finance a market leader?
A: Its diversified lending, strong AUM growth, and technological advancements solidify its position.
Also Read: Reliance Share Price Target & Forecast 2025–2030: Is It a Smart Investment?
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