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. See Bajaj Finance Limited (BAJFINANCE) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.

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. For the complete balance sheet picture, see Bajaj Finance Limited asset portfolio.

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. Explore BAJFINANCE long-term investment intensity to see how much of total assets are deployed in long-term investments.

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
Enova International Inc NYSE:ENVA	Credit Services	1.83%
Latitude Group Holdings Ltd AU:LFS	Credit Services	3.67%
Oportun Financial Corp NASDAQ:OPRT	Credit Services	0.00%
Clipan Finance Indonesia Tbk JK:CFIN	Credit Services	0.39%
Vaziva Sa PA:ALVAZ	Credit Services	2.08%
Mint Corp V:MIT	Credit Services	0.00%
Butn Ltd AU:BTN	Credit Services	3.72%
PBS Finanse SA WAR:PBF	Credit Services	6.81%

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

$67.90 Billion

Rs6.28 Trillion INR

Market Cap Rank

#420 Global

#4 in India

Share Price

Rs1009.20

Change (1 day)

-2.45%

52-Week Range

Rs801.55 - Rs1158.80

All Time High

Rs9607.50