Bajaj Finance Share Price Live: Correction Not a Worry, NBFC Outlook Stays Positive

The Bajaj Finance Ltd. share price recently took a noticeable dip. Yet we believe this correction is not a major concern. In fact, the broader outlook for NBFCs (non‑banking financial companies) remains positive. We will explain what’s behind the fall, why the fundamentals stay strong, and what it means for investors.

Current Status of Bajaj Finance Share Price

As of early November 2025, the Bajaj Finance share price floated around ₹1,012 on the NSE. The stock’s 52‑week high was about ₹1,102.50, while the low was around ₹645.10. On 11 November the stock fell nearly 7% in early trading despite decent earnings. So yes, there’s short‑term volatility. But let’s dig deeper.

Reasons Behind the Recent Correction

Why did the Bajaj Finance share price drop even though numbers were strong? Here are the key triggers:

• In Q2 FY26, Bajaj Finance reported a net interest income growth of about 22% year‑on‑year, and assets under management (AUM) rose ~24%.
• Yet, gross non‑performing assets (NPAs) rose to 1.24% of gross loans (from 1.06% a year ago), and net NPAs to ~0.6% from ~0.46%.
• Management reduced its growth guidance for FY26 to 22‑23% (from an earlier ~24‑25%).
• The market appears to be factoring in near‑term concerns about asset‑quality and growth, despite the strong top‑line.

In short: good numbers, but caution built into the stock because of the slower outlook and rising stress pockets.

Strong Fundamentals of Bajaj Finance

Despite the correction, here’s why we believe the fundamentals of Bajaj Finance remain solid:

• Bajaj Finance has a diversified lending portfolio across retail, MSME and commercial segments.
• Over the past year, the company grew its customer base significantly and its AUM rose strongly (24% YoY in the latest quarter).
• The company’s financial metrics remain healthy: for example, as of 30 Sept 2025, its earnings per share (EPS) was ~₹29.41.
• It is considered one of the largest NBFCs in India and enjoys brand strength, distribution reach and product innovation capability.
• Even with growth headwinds, the credit‑cost guidance remains moderate at ~1.85‑1.95% for FY26.

So if the correction is temporary, the long‑term story still holds.

Positive Outlook for NBFC Sector

It’s not just about Bajaj Finance. The entire NBFC sector in India shows signs of strength:

• Consumer credit demand is rising, more individuals are borrowing for consumption, education, housing and vehicles.
• The Reserve Bank of India (RBI) has begun unwinding curbs on NBFCs as regulatory compliance improves.
• Many regions (semi‑urban and rural India) still have low penetration of structured finance. NBFCs are well‑positioned to serve that market.
• Analysts remain broadly positive about the sector, though they are cautious about growth rates and asset quality.

Hence, while the stock market correction may spook some investors, the backdrop for NBFCs is broadly constructive.

Investor Perspective and Strategy

Given the above, here’s how we suggest investors approach the Bajaj Finance share price drop:

• Long‑term view: If you believe in the NBFC story and Bajaj Finance’s place in it, the correction can be an entry opportunity.
• Short‑term caution: The stock may remain volatile given the guidance cut and rising NPAs.
• Monitor parameters: Key things to watch , AUM growth, NIM (net interest margin) trends, credit‑costs, and NPAs.
• Diversify risk: Exposure to one NBFC stock is fine; exposure to many loans and many borrowers reduces risk.
• Avoid emotional trading: Corrections are normal. Focus on numbers, not just price‑moves.

 Conclusion

To wrap up: The Bajaj Finance share price correction grabs attention, but it’s not a cause for panic. We see the correction as a pause rather than a breakdown. The company’s fundamentals are strong. The NBFC sector’s outlook remains positive. For investors with a medium‑to‑long term horizon, this might be an opportune moment to assess exposure. Remember: it’s not just about the share price today, it’s about how the business performs tomorrow.

FAQS

Disclaimer:

The content shared by Meyka AI PTY LTD is solely for research and informational purposes. Meyka is not a financial advisory service, and the information provided should not be considered investment or trading advice.