Moody's assigns 'Baa3' Corporate Family Rating to Bajaj Finance with Stable Outlook
Credit rating announcements from reputable agencies like Moody's have a high impact on investor confidence and the company's ability to raise funds.
Moody's assigned a 'Baa3' corporate family rating with a stable outlook, reflecting a positive assessment of the company's financial health and market position.
* Moody's Ratings has assigned Bajaj Finance Limited a 'Baa3' Corporate Family Rating (CFR) with a 'Stable' outlook on 4 August 2025. * Simultaneously, Moody's has withdrawn its existing 'Baa3 (Stable outlook) /P-3' long-term and short-term foreign and local currency issuer ratings for its own business reasons. * The 'Baa3' CFR reflects Bajaj Finance's strong franchise as the largest retail-oriented NBFC in India, its diversified loan book, strong capitalization, and competitive funding costs. * These strengths are counterbalanced by the company's focus on riskier unsecured consumer and small business loans and its reliance on wholesale funding. * Moody's expects Bajaj Finance to continue gaining market share with consolidated assets under management of ₹4.4 trillion (about US$50 billion) as of June 2025. * Bajaj Finance's profitability is among the highest amongst rated Indian NBFCs. Return on average assets moderated to 4% in fiscal year ended March 2025 from 4.4% last year. * The company's tangible common equity (TCE) to tangible managed assets (TMA) ratio was strong at 20.4% as of March 2025. * An upgrade of Bajaj Finance's ratings is unlikely, and ratings could be downgraded if asset quality or capitalization deteriorates.
What to do with a filing like this
Bajaj Finance Limited filed this with the NSE as a statutory disclosure, categorised under credit ratings. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Bajaj Finance Limited. Read the original for the full detail.