Bajaj Finance Limited Asset Resilience Ratio
Bajaj Finance Limited asset resilience ratio. 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. See BAJFINANCE defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Bajaj Finance Limited (2005–2025)
Asset resilience ratio of Bajaj Finance Limited from 2005 to 2025. This chart shows how Bajaj Finance Limited's Asset Resilience Ratio has changed over time. Read debt load of Bajaj Finance Limited for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Bajaj Finance Limited (BAJFINANCE) total assets.
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 |
|---|---|---|
|
Muthoot Finance Limited
NSE:MUTHOOTFIN |
Credit Services | 6.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Housing & Urban Development Corporation Limited
NSE:HUDCO |
Credit Services | 0.10% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Five-Star Business Finance Limited
NSE:FIVESTAR |
Credit Services | 4.49% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
Bajaj Finance Limited Asset Resilience Ratio by Year (2005–2025)
Bajaj Finance Limited asset resilience ratio by year from 2005 to 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 |
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About Bajaj Finance Limited
Bajaj Finance Limited operates as a deposit-taking non-banking financial company in India. The company offers financing for various products, such as consumer electronics, furniture, digital products, lifestyle products, lifecare services, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, secured, gold, and car loans. It also provides secured and unse… Read more