Bajaj Finance Limited - Asset Resilience Ratio

Latest as of September 2025: 2.35%

Bajaj Finance Limited (BAJFINANCE) has an Asset Resilience Ratio of 2.35% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read BAJFINANCE current and long-term liabilities for a breakdown of total debt and financial obligations.

Liquid Assets

Rs120.01 Billion

≈ $1.30 Billion USD Cash + Short-term Investments

Total Assets

Rs5.10 Trillion

≈ $55.15 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2025)

This chart shows how Bajaj Finance Limited's Asset Resilience Ratio has changed over time. See Bajaj Finance Limited net assets for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Bajaj Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Bajaj Finance Limited market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs120.01 Billion	2.35%
Short-term Investments	Rs0.00	0%
Total Liquid Assets	Rs120.01 Billion	2.35%

Asset Resilience Insights

Limited Liquidity: Bajaj Finance Limited maintains only 2.35% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Bajaj Finance Limited Industry Peers by Asset Resilience Ratio

Compare Bajaj Finance Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Western Union Co NYSE:WU	Credit Services	30.80%
AEON Thana Sinsap (Thailand) Public Company Limited BK:AEONTS	Credit Services	4.75%
Muthoot Microfin Limited NSE:MUTHOOTMF	Credit Services	4.11%
PTC India Financial Services Limited NSE:PFS	Credit Services	16.15%
Arman Financial Services Limited NSE:ARMANFIN	Credit Services	35.70%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
EN Shoham Business Ltd TA:SHOM	Credit Services	0.05%
ALBIS Leasing AG XETRA:ALG	Credit Services	1.19%

Annual Asset Resilience Ratio for Bajaj Finance Limited (2005–2025)

The table below shows the annual Asset Resilience Ratio data for Bajaj Finance Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	0.20%	Rs9.51 Billion ≈ $102.80 Million	Rs4.66 Trillion ≈ $50.41 Billion	-1.53pp
2024-03-31	1.73%	Rs65.07 Billion ≈ $703.72 Million	Rs3.76 Trillion ≈ $40.64 Billion	+1.17pp
2023-03-31	0.56%	Rs15.51 Billion ≈ $167.71 Million	Rs2.75 Trillion ≈ $29.76 Billion	-0.85pp
2022-03-31	1.41%	Rs30.03 Billion ≈ $324.71 Million	Rs2.13 Trillion ≈ $22.98 Billion	+0.57pp
2021-03-31	0.84%	Rs14.41 Billion ≈ $155.79 Million	Rs1.72 Trillion ≈ $18.55 Billion	+0.05pp
2020-03-31	0.79%	Rs13.00 Billion ≈ $140.60 Million	Rs1.64 Trillion ≈ $17.78 Billion	+0.56pp
2019-03-31	0.23%	Rs2.89 Billion ≈ $31.28 Million	Rs1.24 Trillion ≈ $13.44 Billion	-0.16pp
2018-03-31	0.39%	Rs3.38 Billion ≈ $36.57 Million	Rs868.24 Billion ≈ $9.39 Billion	-5.31pp
2017-03-31	5.70%	Rs36.32 Billion ≈ $392.81 Million	Rs637.25 Billion ≈ $6.89 Billion	+4.47pp
2016-03-31	1.23%	Rs5.73 Billion ≈ $62.01 Million	Rs464.57 Billion ≈ $5.02 Billion	+1.28pp
2012-03-31	-0.05%	Rs-59.80 Million ≈ $-646.71K	Rs129.27 Billion ≈ $1.40 Billion	-83.65pp
2006-03-31	83.61%	Rs18.55 Billion ≈ $200.66 Million	Rs22.19 Billion ≈ $240.00 Million	+4.68pp
2005-03-31	78.93%	Rs11.22 Billion ≈ $121.38 Million	Rs14.22 Billion ≈ $153.78 Million	--

pp = percentage points

About Bajaj Finance Limited

NSE:BAJFINANCE India Credit Services

Market Cap

$62.99 Billion

Rs5.82 Trillion INR

Market Cap Rank

#417 Global

#4 in India

Share Price

Rs937.00

Change (1 day)

+0.75%

52-Week Range

Rs801.55 - Rs9607.50

All Time High

Rs9607.50