BAJAJFINSV

What Bajaj Finserv promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 23 tracked 6 delivered 9 missed 8 open
  • BALIC VNB Growth vs Top Line delivered said Q3 FY25 Promised: faster than top line growth Q1 FY27: VNB grew 87% YoY, significantly outpacing GWP growth of 35% YoY.
  • BAGIC Expense of Management (EoM) went quiet said Q3 FY25 Promised: below 30% Q1 FY27: Not addressed in the current transcript.
  • BAGIC Combined Ratio at risk said Q1 FY26 Promised: close to 100% Q1 FY27: Combined ratio was elevated at 104.7%. While an improvement from Q4, it is still above the target of 100%.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 23 tracked commitments for Bajaj Finserv — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens