Promoter holding
64.27%
BF
Bajaj Finance Limited - Due diligence report
A 360° intelligence report on Bajaj Auto Finance: trust score, financial health, credit view, compliance, directors, growth and distress sig…
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Bajaj Auto Finance — 360° Intelligence Report
Generated from MCA filings & public records69/100
Trust Score
Moderate
Bajaj Auto Finance is assessed as Moderate with a Trust Score of 69/100. Bajaj Auto Finance is an active public limited indian non-government company incorporated in 1987, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.
Report generated on 02 Jul 2026 from the latest processed filings. Bajaj Finance Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
69/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
32/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Profitable - internal accruals available.
- Externally credit-rated (AAA).
Charges position: 130 open (232,091.11 cr) · 304 satisfied (102,872.66 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 226 | 48.0 cr |
| Gda Trusteeship Limited | 86 | 48.0 cr |
| Central Bank Of India | 9 | 48.0 cr |
| Canara Bank | 9 | 48.0 cr |
| State Bank Of India | 9 | 48.0 cr |
| Gda Trustee And Consultancy Limited | 34 | 48.0 cr |
Compliance Score: 32/100 Caution Indicated
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: RBI, FIU.
- Litigation present in 5 court forum(s).
- 1 auditor resignation(s) filed - latest: S R B C & CO LLP on 2021-11-13.
- Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
- 63 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 80/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ANAMI NARAYAN PREMA ROY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AJAY KUMAR CHOUDHARY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ARINDAM KUMAR BHATTACHARYA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJEEV JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| TARUN BAJAJ | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIJAY RAMCHANDRA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANJIVNAYAN RAHULKUMAR BAJAJ | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NAUSHAD DARIUS FORBES | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJIVNAYAN RAHULKUMAR BAJAJ | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RADHIKA VIJAY HARIBHAKTI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PRAMIT JHAVERI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Sandeep Vijaykumar Jain | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 12 directors on the board.
- No disqualified or deactivated DINs.
- 4 director exits in 3 years - high churn.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2024 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
Bajaj Finserv Limited
Subsidiaries
2
Group entities
4
Capital events
231 allotment(s) · 0 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Bajaj Financial Securities Limited | Subsidiary Company | 74.00% |
| Bajaj Housing Finance Limited | Subsidiary Company | 74.00% |
| Bajaj Finserv Limited | Holding Company | 74.00% |
| Snapwork Technologies Private Limited | Associate Company | 74.00% |
| Pennant Technologies Private Limited | Associate Company | 74.00% |
Key managerial personnel: RAJEEV JAIN (Whole-time director) · Sandeep Vijaykumar Jain (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Profit expanded 0.86 year-on-year.
Asset base grew 61% - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 39+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (32/100).
130 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
MSME payment delays disclosed - latest outstanding 14.78 cr.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence60/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment46/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 130 open charge(s) of 232,091.11 cr already registered.
- Compliance gaps should be priced into terms.
Investor view82/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 5 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events19 Dec 2025
Charge satisfied
Others
15 Dec 2025
Charge created
Canara Bank - 950.00 cr
09 Dec 2025
Charge created
Canara Bank - 475.00 cr
04 Dec 2025
Charge satisfied
State Bank Of India
02 Dec 2025
Charge satisfied
Gda Trusteeship Limited
12 Nov 2025
Charge created
Others - 1,835.00 cr
10 Nov 2025
Charge created
Canara Bank - 475.00 cr
31 Oct 2025
Charge created
State Bank Of India - 475.00 cr
15 Oct 2025
Charge created
Others - 1,875.00 cr
09 Oct 2025
Charge created
Canara Bank - 475.00 cr
29 Sep 2025
Charge created
Others - 1,555.00 cr
Charge satisfied
Others
Charge satisfied
Gda Trusteeship Limited
24 Sep 2025
Charge satisfied
Others
12 Sep 2025
Charge created
Others - 1,350.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
12 active director(s) / partner(s); board looks stable and experienced.
63 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of AAA from Indiarating.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 231 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Bajaj Finserv | L65910PN2008PLC132228 | Pune, Maharashtra, India |
| Hfcl | U74899DL1991PLC046774 | New Delhi, Delhi, India |
| Zerodha | U65929KA2018PLC116815 | J.P Nagar, Bangalore, Karnataka, India |
| Tatacapital | L65990MH1991PLC060670 | Mumbai, Maharashtra, India |
| Mahindra Finance | L65921MH1991PLC059642 | Mumbai, Maharashtra, India |
| Hdfs | L65993GJ2007PLC051028 | Ahmedabad, Gujarat, India |
| National Stock Exchange Of India Ltd. | U67120MH1992PLC069769 | Mumbai, Maharashtra, India |
| Cholamandalam | L65993TN1978PLC007576 | Chennai City Corporation, Tamil Nadu, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Bajaj Auto Finance before audits and certifications: compliance score 32/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Bajaj Auto Finance: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Bajaj Auto Finance - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 69/100, distress signals and MSME payment-delay disclosures - know whether Bajaj Auto Finance pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Bajaj Auto Finance - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Bajaj Auto Finance an active company?
Bajaj Auto Finance has MCA status “Active” with a compliance score of 32/100 (Caution Indicated).
Is Bajaj Auto Finance financially healthy?
Bajaj Auto Finance has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Bajaj Auto Finance?
Its overall Trust Score is 69/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Bajaj Auto Finance?
The ultimate holding entity is Bajaj Finserv Limited. 12 active director(s) are on record.
Does Bajaj Auto Finance have loans or charges against its assets?
130 open charge(s) are registered against its assets, and 304 earlier charge(s) stand satisfied.
Is Bajaj Auto Finance up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 32/100 (Caution Indicated).
Is it risky to lend to Bajaj Auto Finance?
Its Credit Risk Score is 35/100 (Caution Indicated). Banker verdict: Mixed indicators - deeper appraisal suggested.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
