A Trusted Name in Finance
Bajaj Finance has become a household name in India’s financial sector. From EMI cards to personal loans and fixed deposits, the company offers a wide range of services. But for stock market investors, the real question is – is the Bajaj Finance share still worth buying in 2025?
Bajaj Finance Share
Let’s break it down.
Share Price Snapshot – July 2025
As of now, Bajaj Finance shares are trading around ₹7,450. Over the last year, the stock has moved between ₹6,200 and ₹8,100 – reflecting both the highs of market optimism and the lows of global uncertainty.
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Current Price: ₹7,450 (approx.)
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1-Year Return: ~12%
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Market Cap: ₹4.5+ lakh crore
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Sector: NBFC (Non-Banking Financial Company)
Why Investors Still Trust Bajaj Finance
Even in a fast-changing financial landscape, Bajaj Finance holds strong. Here’s why:
1. Consistent Profit Growth
Despite ups and downs in the economy, Bajaj Finance has maintained healthy profits. Their focus on retail lending and digital services is paying off.
2. Digital Edge
From mobile apps to AI-powered credit scoring, the company is going all-in on technology. This gives it an edge over traditional NBFCs that are still playing catch-up.
3. Solid Management
Under the leadership of Rajeev Jain, the company has seen steady expansion, strict risk control, and innovative customer products.
Bajaj Finance Share
What Do the Charts Say?
If you’re someone who follows technical analysis, here’s a quick overview:
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Support Levels: ₹7,150 and ₹6,800
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Resistance Levels: ₹7,700 and ₹8,100
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50-Day Moving Average: The stock is trading just above it – which could mean continued bullish sentiment.
Technical analysts believe a breakout above ₹7,700 could push the stock back to ₹8,100. However, any dip below ₹7,150 might lead to some correction.
Overvalued or Justified?
Yes, Bajaj Finance shares are not cheap.
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P/E Ratio: 45+ (higher than average)
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Price-to-Book: 7.5
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Return on Equity (ROE): Around 18-19%
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Net NPA: Below 1.5%
While the valuation may seem high, it’s supported by strong fundamentals, brand trust, and future growth potential. Think of it this way: you’re paying more for a business that’s proven, scalable, and already ahead of many competitors.
Expert Opinions
Here’s what some experts are saying:
ICICI Direct: “Long-term investors should stay invested. Bajaj Finance has a clear roadmap for digital expansion.”
Kotak Securities: “Valuations are premium, but deserved. Use market dips to accumulate.”
Should You Buy Now?
If you’re investing with a long-term goal (2–5 years), Bajaj Finance remains a solid pick. But if you’re looking for quick gains, this might not be your ideal stock due to its current price level.
Ideal For:
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Long-term investors
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SIP-style stock investing
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Conservative portfolios with strong companies
Not Ideal For:
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Short-term traders
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Those uncomfortable with market corrections
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Value investors looking for “cheap” stocks
What Lies Ahead?
Bajaj Finance plans to expand its reach in Tier 2 and Tier 3 cities, strengthen its fintech presence, and introduce newer credit products. This aligns with India’s growing demand for easy, fast, and digital financial services.
If they execute this well, the company’s growth trajectory could continue upward over the next 3–5 years.
Final Take
Bajaj Finance shares have stood the test of time — from demonetization to COVID and beyond. In 2025, they continue to reflect trust, digital transformation, and growth. While the price may not be “cheap,” the stock’s performance and future potential can justify a premium tag.
As with all investments, do your research or consult your financial advisor. But if you’re building a portfolio with stable, future-ready companies, Bajaj Finance could still be a strong pillar.
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