As a leading name in India's non-banking financial company (NBFC) sector, Bajaj Finance Ltd. is a subject of constant interest for investors, consumers, and job seekers. Known for its dynamic growth and innovation, the company's strategies in 2025 reflect a focus on digital transformation, customer-centric policies, and rewarding its stakeholders.
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This blog post
explores the latest developments at Bajaj Finance, covering its new policies,
employee benefits, employment opportunities for freshers, and its ambitious
vision for the future.
New Policies and
Shareholder Initiatives
In 2025, Bajaj Finance
and its subsidiaries have rolled out several new policies and initiatives aimed
at benefiting both customers and investors.
- Reforms in Home Loan Rules: Bajaj
Housing Finance is aligning with the new home loan EMI rules for 2025,
designed to make housing more affordable. These rules introduce more
transparent and flexible EMI payments. A significant change is the
increase in the tax deduction limit on home loan interest to ₹3 lakh per
year, up from ₹2 lakh. First-time homebuyers can also claim an additional
deduction of ₹50,000 on interest payments.
- Shareholder-Friendly Actions: In its
Q4 FY25 results, Bajaj Finance announced several measures to reward its
investors. These include a stock split, a 4:1 bonus issue, and a
substantial dividend of ₹56 per share. Such actions are designed to
increase the stock's liquidity, make it more affordable for retail
investors, and share the company's success with its shareholders.
- Zero GST on Life Insurance: Following
a government announcement effective September 22, 2025, life insurance
premiums are now exempt from GST. This policy change, highlighted by the
parent company Bajaj Finserv, may reduce the overall cost of life
insurance for consumers.
Comprehensive Employee
Benefits
Bajaj Finance
positions itself as an employee-centric organization, offering a robust
benefits program to attract and retain top talent.
- Career Growth and Compensation: The
company emphasizes mutual growth, providing employees with numerous
opportunities through policies like auto-promotions and internal job
transfers to support their career aspirations. Its compensation structure
is described as best-in-class and is focused on rewarding employees for
their contributions.
- Health and Life Insurance: Bajaj
Finance provides a Group Mediclaim Policy to offer financial assistance
during medical emergencies. Additionally, a Group Term Insurance Policy is
in place to provide financial support to an employee's family in the event
of their death.
- Statutory and Additional Benefits: Like
other companies in India, Bajaj Finance provides statutory benefits such
as contributions to the Employee Provident Fund (EPF) and Employee State
Insurance (ESI) for health coverage. Job listings also mention that
positions may come with additional benefits like PF and medical coverage.
Employment
Opportunities for Freshers
Bajaj Finance and its
parent company, Bajaj Finserv, are on a significant hiring drive, creating
numerous opportunities for professionals at all levels, including freshers.
- Massive Hiring Drive: In 2025, Bajaj
Finserv announced plans to hire for over 3,000 positions across various
domains, reflecting its rapid growth.
- Entry-Level Roles: The company is
actively hiring for entry-level positions suitable for freshers. For
example, roles like Field Sales Officer and Field Sales Executive are
available for candidates with 0-1 years of experience. These positions
often require basic qualifications (such as a 12th Pass or graduate
degree), a smartphone, and a two-wheeler, offering a fixed salary plus
incentives.
- A Dynamic Work Environment: Bajaj
Finance offers a dynamic work environment where employees can engage with
innovative technologies and projects. The company invests significantly in
employee training and skill development, fostering continuous learning and
career progression.
The Future of Bajaj
Finance
Bajaj Finance has laid
out an ambitious roadmap focused on technological integration, customer base
expansion, and diversification.
- The "FINAI" Vision: The
company is on a journey to transform itself into a "FINAI"
(Financial AI) enterprise. This long-range strategy aims to create a
comprehensive AI-based product suite for a projected 200 million customers
by FY2029. By integrating AI across all processes, Bajaj Finance aims to
achieve greater operating leverage and customer satisfaction.
- Expansion and Diversification: Key
future goals include increasing its customer base to between 190-210
million and expanding its physical presence to 5,500 branches. The company
is also diversifying its loan portfolio by entering new segments like
green financing (for solar and EV products), micro-finance, new car loans,
and gold loans.
- Growth Projections: Analysts forecast
strong growth for the company, with revenue expected to grow by 25.4% and
earnings by 18.3% annually. The company itself aims to grow its Assets
Under Management (AUM) by 25-27% and profits by 23-24% over the long term.
While some market analysts have raised concerns about credit costs in the
MSME and auto loan segments, the company's management remains confident in
its medium-term growth guidance.
In summary, Bajaj
Finance is not just maintaining its leadership position but is actively shaping
the future of financial services in India through digital innovation,
customer-focused policies, and strategic growth initiatives.