BAJFINANCE: Bajaj Finance Limited has informed the Exchange about New Credit Rating- Moody s Ratings vide their press release dated 4 August 2025, has assigned the Company a new rating Baa3 Corporate family rating (CFR) with outlook as Stable .
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Bajaj Finance has been assigned a new Baa3 Corporate Family Rating (CFR) by Moody's with a Stable outlook, dated 4 August 2025. Moody's simultaneously withdrew its earlier Baa3 (Stable)/P-3 long-term and short-term foreign and local currency issuer ratings for its own internal business reasons. The credit rating remains unchanged at Baa3 with Stable outlook — this is a structural change in the type of rating, not a change in the credit assessment. Moody's cited Bajaj Finance's strong franchise as India's largest retail NBFC, diversified loan book, strong capitalization (TCE/TMA at 20.4% as of March 2025), and low stage 3 loans (1% of total loans as of June 2025) as key strengths. The company has consolidated assets of INR 4.7 trillion, though ROA moderated to 4% in FY25 from 4.4% previously.
No material impact on shareholders — the rating level and outlook are unchanged, and Bajaj Finance remains investment-grade. The change is administrative in nature as Moody's switches from issuer ratings to a Corporate Family Rating format.