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Should you be planning to invest in Indian stocks and ask yourself whether Bajaj Finance(Bajaj finance stock) is a safe stock–here is a full but optimistic answer which leaves you with little to no good reason to fear.
1.A Proven Long-Term Winner
Among the most interesting accounts regarding Bajaj Finance is through CA Nitin Kaushik who noted that:
- “Had you invested 1 crore in Bajaj Finance in the crash of 2008, you would have been making 850 crores now.
That is a phenomenal payoff and a testament to the long-term viability and consistent growth of the business- a massive trust-booster to an investor.
2. Superior Financial Development & Basics
The financials of Bajaj Finance over the last few years are a shining example:
- Its revenues increased by leaps and bounds to 26,668 crore in 2021 and 69,683 crore in 2025.
- The Net Profit increased to 16,762 crore in 2025 as compared to 4,420 crore in 2021.
To add to that, the company also claimed that its quarterly net profit had increased 20 per cent year to year, to 4,765 crore in the June quarter, due to healthy interest income and loan demand.
Such stable growth rates indicate the ability of Bajaj Finance to increase business activities and achieve good profitability.
3. Strong Asset Quality & Credit Ratings
Bajaj Finance has one of the healthiest loan books in the industry even as loan volumes increase. It has a very good ratio of NPA (Non-Performing Assets) of approximately 0.41% and is a well-capitalized company, easily complying with the norms imposed by RBI.
This strength has been noticed by credit rating agencies, which have awarded Bajaj Finance the best ratings in its debt instruments- a positive sign of investor confidence.
4. Strong Market Share and Portfolio
By March 2025, Bajaj Finance will have more than 101 million customers, and the assets under management will have made it one of the leading NBFCs in India.
Its lending business includes consumer durable finance, personal loans, EMI cards, home loans, rural lending, SME and commercial credit-a real combination.
In addition to its robust product mix, it enjoys an expansive distribution network, both online and physical, which has enabled its ubiquitous nature and access by its customers.
5. Strategic Company Restructuring & Market Power
Bajaj finance has demonstrated a good strategic vision. For instance:
- Its housing finance sector enjoyed a blockbuster IPO that raised approximately 782 million dollars and its stock rose 130 percent on its debut.
- In 2025, the stock surged by more than 30% on hopes of GST reforms and credit rating upgrade of India that indicated robust macro tailwind.
These events show the interest of investors as well as the strategic flexibility of the company in the capital markets.
Outlook: Momentum Continues
Markets may fall and rise, but Bajaj Finance often does well during hard trading days:
- In a number of recent sittings, the market had its negative aspects but the stock still provided decent returns.
The fact that it is relatively strong shows that investors have confidence in its stability and growth direction even in turbulent periods.
Final Thoughts
Then, is it safe to invest in Bajaj Finance stock?
Yes–unless you want a proven-growth, well-managed and well-respected NBFC. Its history of capital appreciation, outstanding underlying fundamentals, diversified products, strong credit ratings and intelligent strategic expansions render it one of the most attractive names in the Indian financial industry.
All investments are risky but when you want to make wealth in the long term, Bajaj Finance is an excellent choice that draws confidence.