AI-generated · cited to primary sources · not investment advice
Bajaj Finserv (532978) Mar 2025 Filing Analysis
What could break the thesis?
The risk remains active as the company is contesting a demand order of ₹ 191.44 crore (including penalty) related to incorrect availment of input tax credit (ITC).
“During the year ended 31 March 2025, BALIC has received a demand order amounting to ₹ 191.44 crore (including penalty of ₹ 143.58 crore) in respect of availment of certain input tax credit (‘ITC’) by BALIC.”
The risk is intensifying as loan provisioning for FY2025 rose to ₹ 7,966 crore from ₹ 4,631 crore in FY2024, driven by macro-level deterioration and increasing leverage on unsecured loans.
“The loan provisioning for the year was higher at ₹ 7,966 crore, up from ₹ 4,631 crore in FY2024 on account of model redevelopment, macro-level deterioration, increasing leverage on unsecured loans and increased AUM.”
See the full cited Risk analysis of Bajaj Finserv
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