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. Check BAJFINANCE strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2025)
This chart shows how Bajaj Finance Limited's Asset Resilience Ratio has changed over time. See how leveraged is Bajaj Finance Limited's balance sheet to measure how much of total assets are equity-financed.
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 |
|---|---|---|
|
Credit Acceptance Corporation
NASDAQ:CACC |
Credit Services | 1.26% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
BFI Finance Indonesia Tbk
JK:BFIN |
Credit Services | 1.84% |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR |
Credit Services | 2.88% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
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 |
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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, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, and secured, gold, and car loans. It also provides secured and unsecured loans to micro, small, and me… Read more