{"id":18692,"date":"2025-06-06T07:36:55","date_gmt":"2025-06-06T07:36:55","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?p=18692"},"modified":"2025-06-06T07:36:56","modified_gmt":"2025-06-06T07:36:56","slug":"bajaj-finserv-and-bajaj-finance","status":"publish","type":"post","link":"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/","title":{"rendered":"Bajaj Finserv and Bajaj Finance: Which is Better?"},"content":{"rendered":"\n<p>You may have come across Bajaj Finance and Bajaj Finserv if you have searched for loans, insurance or investment options on the internet. They both seem alike, belong to the same group and are commonly found in similar web searches, but they aren\u2019t the same.<\/p>\n\n\n\n<p>So what exactly is the difference, and if you\u2019re a customer or an investor, which one should you be looking at?<\/p>\n\n\n\n<p>In this blog, we\u2019ll explain everything in a simple way about each company and which one might be a better fit for your portfolio. Whether you\u2019re trying to understand whom to approach for a loan or deciding which stock to invest in, this guide is here to make it easy.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Bajaj_Finserv_%E2%80%93_Company_Overview\" title=\"Bajaj Finserv &#8211; Company Overview\u00a0\">Bajaj Finserv &#8211; Company Overview\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Bajaj_Finance_%E2%80%93_Company_Overview\" title=\"Bajaj Finance &#8211; Company Overview\u00a0\">Bajaj Finance &#8211; Company Overview\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Comparative_Study_of_Bajaj_Finserv_and_Bajaj_Finance\" title=\"Comparative Study of Bajaj Finserv and Bajaj Finance\">Comparative Study of Bajaj Finserv and Bajaj Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Financial_Statements_Comparison\" title=\"Financial Statements Comparison\">Financial Statements Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Key_Performance_Indicators_KPIs\" title=\"Key Performance Indicators (KPIs)\">Key Performance Indicators (KPIs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Which_Company_Is_Better\" title=\"Which Company Is Better?\u00a0\">Which Company Is Better?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Conclusion\" title=\"Conclusion\u00a0\">Conclusion\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wp-api.pocketful.in\/blog\/bajaj-finserv-and-bajaj-finance\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-bajaj-finserv-company-overview\"><span class=\"ez-toc-section\" id=\"Bajaj_Finserv_%E2%80%93_Company_Overview\"><\/span>Bajaj Finserv &#8211; Company Overview\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.pocketful.in\/stocks\/bajaj-finserv-ltd\">Bajaj Finserv Limited<\/a> is one of India\u2019s leading financial services companies. It operates across a wide range of financial segments, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consumer finance (like personal loans, home loans, EMI cards offered through subsidiaries)<\/li>\n\n\n\n<li>Insurance (life and general)<\/li>\n\n\n\n<li>Asset management<\/li>\n\n\n\n<li>Wealth management<\/li>\n\n\n\n<li>Mutual funds<\/li>\n\n\n\n<li>Digital payments and more<\/li>\n<\/ul>\n\n\n\n<p>It\u2019s known for its quick loan approvals, flexible EMIs, and strong digital presence that makes borrowing or investing super convenient for individuals and businesses alike.<\/p>\n\n\n\n<p>The company has its headquarters in Pune, Maharashtra and was founded in 2007 and is currently headed by chairman, Sanjiv Bajaj. The parent group is the Bajaj Group, which was founded by Jamnalal Bajaj in 1926.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-important-milestones\">Important Milestones\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>From 2008 to 2012: <\/strong>Bajaj Finance grew rapidly by offering consumer durable loans on easy EMIs, one of the first of its kind in India.<br><\/li>\n\n\n\n<li><strong>From 2013 to 2017: <\/strong>Expanded into personal loans, business loans, and housing finance.<br><\/li>\n\n\n\n<li><strong>2018: <\/strong>Bajaj Finserv crossed major growth thresholds as loan disbursements increased substantially and the assets under management crossed \u20b91 lakh crore, with a combined customer base of 25 million.<br><\/li>\n\n\n\n<li><strong>2020\u20132022: <\/strong>Entered the digital payments space and launched Bajaj Finserv Wallet, Bajaj Finserv Health, and focused on building a digital ecosystem.<br><\/li>\n\n\n\n<li><strong>2023: <\/strong>Announced foray into mutual funds under the Bajaj Finserv Mutual Fund brand.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bajaj-finance-company-overview\"><span class=\"ez-toc-section\" id=\"Bajaj_Finance_%E2%80%93_Company_Overview\"><\/span>Bajaj Finance &#8211; Company Overview\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bajaj Finance Limited is one of India\u2019s top non-banking financial companies (NBFCs). It offers a wide range of financial products and services, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consumer durable loans (like TVs, mobiles, appliances on EMI)<\/li>\n\n\n\n<li>Personal loans<\/li>\n\n\n\n<li>Home loans<\/li>\n\n\n\n<li>Business loans<\/li>\n\n\n\n<li>Credit cards&nbsp;<\/li>\n\n\n\n<li>Fixed deposits and investment products<\/li>\n<\/ul>\n\n\n\n<p>The brand is recognised for offering No Cost EMI on various products, including gadgets, furniture, travel, etc., which is readily available at many partner stores and online platforms.<\/p>\n\n\n\n<p>The business is headquartered in Pune, Maharashtra and started operations as Bajaj Auto Finance Limited in 1987. Interestingly, Bajaj Finance is a subsidiary of Bajaj Finserv.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-important-milestones-0\">Important Milestones\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In 2007, Bajaj Auto underwent a corporate demerger. Its financial services arm became a separate entity, Bajaj Finserv Limited, and Bajaj Auto Finance was rebranded as Bajaj Finance Limited.<\/li>\n\n\n\n<li>Rajeev Jain was the CEO, marking the beginning of a significant transformation.<\/li>\n\n\n\n<li>Focus shifted from just auto finance to consumer lending, SME lending, and commercial lending.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-from-2010-to-2020\">From 2010 to 2020<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introduced EMI cards, allowing customers to shop for electronics, furniture, and appliances on easy instalments.<\/li>\n\n\n\n<li>Rapidly expanded into digital lending, e-commerce finance, and partnerships with retailers and brands.&nbsp;<\/li>\n\n\n\n<li>Built a wide offline and online network, facilitating extremely fast and hassle-free loan disbursals.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-from-2020-present\">From 2020\u2013Present<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Launched the Bajaj Finserv App for digital financial solutions.<\/li>\n\n\n\n<li>Stepped into the digital payments ecosystem with digital wallets and co-branded credit cards.<\/li>\n\n\n\n<li>Leveraged AI, data analytics, and cloud technology for personalised financial services.<\/li>\n\n\n\n<li>Despite market challenges like COVID-19, it bounced back strongly with innovative financial products and digital-first strategies.<\/li>\n<\/ul>\n\n\n\n<p><strong>Read Also:<\/strong> <a href=\"https:\/\/www.pocketful.in\/blog\/bajaj-finance-case-study-business-model-financials-competitors-and-kpis\/\">Bajaj Finance Case Study: Business Model, Financials, Competitors, and KPIs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparative-study-of-bajaj-finserv-and-bajaj-finance\"><span class=\"ez-toc-section\" id=\"Comparative_Study_of_Bajaj_Finserv_and_Bajaj_Finance\"><\/span>Comparative Study of Bajaj Finserv and Bajaj Finance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">PARTICULARS<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINSERV<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINANCE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Current Price (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,956<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,945<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Market Cap (\u20b9 Crore)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3,12,532<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,55,868<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>52-W High (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2,135<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,710<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>52-W Low (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,511<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,425<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FII Holdings as of March 2025<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">7.19%<\/td><td class=\"has-text-align-center\" data-align=\"center\">18.91%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>DII Holdings as of March 2025<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">9.34%<\/td><td class=\"has-text-align-center\" data-align=\"center\">17.42%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Book Value (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">453<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,556<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>PE Ratio (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">35.2<\/td><td class=\"has-text-align-center\" data-align=\"center\">33.4<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">As of 6 June 2025<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-statements-comparison\"><span class=\"ez-toc-section\" id=\"Financial_Statements_Comparison\"><\/span>Financial Statements Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-profit-amp-loss-statement\">PROFIT &amp; LOSS STATEMENT<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINSERV<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINANCE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Total Income<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,33,821<\/td><td class=\"has-text-align-center\" data-align=\"center\">69,724<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Expenses<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">85,782<\/td><td class=\"has-text-align-center\" data-align=\"center\">22,892<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Net Profit<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">17,539<\/td><td class=\"has-text-align-center\" data-align=\"center\">16,761<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(All values are in INR crores and the data is as of March 2025)<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"752\" height=\"452\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/income-statement-1.png\" alt=\"Bajaj Finserv and Bajaj Finance\" class=\"wp-image-18697\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/income-statement-1.png 752w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/income-statement-1-300x180.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/income-statement-1-150x90.png 150w\" sizes=\"auto, (max-width: 752px) 100vw, 752px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-balance-sheet\">BALANCE SHEET<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINSERV<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINANCE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Current Liabilities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">5,16,745<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,66,042<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Current Assets<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">6,41,639<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,60,437<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Reserves &amp; Surplus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">72,235<\/td><td class=\"has-text-align-center\" data-align=\"center\">96,568<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(All values are in INR crores and the data is as of March 2025)<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"752\" height=\"452\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/balance-sheet.png\" alt=\"Bajaj Finserv and Bajaj Finance\" class=\"wp-image-18696\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/balance-sheet.png 752w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/balance-sheet-300x180.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/06\/balance-sheet-150x90.png 150w\" sizes=\"auto, (max-width: 752px) 100vw, 752px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-cash-flow-statements\">CASH FLOW STATEMENTS<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINSERV<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINANCE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash Flow from Operating Activities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">-62,113<\/td><td class=\"has-text-align-center\" data-align=\"center\">-68,154<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash Flow from Investing Activities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">-7,986<\/td><td class=\"has-text-align-center\" data-align=\"center\">-2,765<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash Flow from Financing Activities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">70,191<\/td><td class=\"has-text-align-center\" data-align=\"center\">70,527<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(All values are in INR crores and the data is as of March 2025)<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-inference\">Inference<\/h3>\n\n\n\n<p>Bajaj Finserv has about \u20b91.3 Lakh crore in revenues, which also includes revenues from its stake in Bajaj Finance. This approach reduces dependence on lending alone and promotes a more balanced portfolio. On the contrary, Bajaj Finance reported an impressive profit of \u20b916,761 crore. Additionally, the company\u2019s AUM surged past \u20b93 lakh crore.&nbsp;<\/p>\n\n\n\n<p><strong>Read Also:<\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/bajaj-housing-finance-ltd-case-study\/\"> Bajaj Housing Finance IPO Case Study: Products, Financials, And SWOT Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-performance-indicators-kpis\"><span class=\"ez-toc-section\" id=\"Key_Performance_Indicators_KPIs\"><\/span>Key Performance Indicators (KPIs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINSERV<\/th><th class=\"has-text-align-center\" data-align=\"center\">BAJAJ FINANCE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Basic EPS (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">55.60<\/td><td class=\"has-text-align-center\" data-align=\"center\">268.94<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Operating Profit Margin (%)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">35.89<\/td><td class=\"has-text-align-center\" data-align=\"center\">67.20<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Net Profit Margin (%)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">13.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">24.05<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Return on Capital Employed (%)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">35.45<\/td><td class=\"has-text-align-center\" data-align=\"center\">46.79<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Return on Equity (%)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12.25<\/td><td class=\"has-text-align-center\" data-align=\"center\">17.20<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Debt-to-Equity (x)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.82<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.74<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(Data as of March 2025)<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-company-is-better\"><span class=\"ez-toc-section\" id=\"Which_Company_Is_Better\"><\/span>Which Company Is Better?\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can base your investment decision based on the following points:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you want to invest specifically in the lending business, go for Bajaj Finance.<\/li>\n\n\n\n<li>If you want diversified exposure (loans, insurance, mutual funds, etc.), then Bajaj Finserv is a better long-term pick.<\/li>\n<\/ul>\n\n\n\n<p>However, it is advised to analyse the company&#8217;s financial statements and future business plans before investing. You should also consult a financial advisor to make an informed investment decision.&nbsp;<\/p>\n\n\n\n<p><strong>Read Also:\u00a0<\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/bajaj-auto-case-study\/\">Bajaj Auto Case Study: Business Model, Product Portfolio, and SWOT Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ultimately, Bajaj Finance and Bajaj Finserv are two sides of the same coin, closely connected, but established for different purposes. If you\u2019re a customer looking for loans, EMIs, credit cards, or fixed deposits, Bajaj Finance is the brand you\u2019ll be dealing with. It\u2019s fast, efficient, and focused on direct financial services. But if you\u2019re an investor thinking long-term and want a slice of the entire financial services, from lending to insurance to digital solutions, then Bajaj Finserv gives you a more diversified exposure as the parent company. So, the \u201cbetter\u201d company depends on what you\u2019re looking for. Whichever company you choose, one thing\u2019s for sure that both companies have established a strong reputation in India&#8217;s financial services industry.<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">S.NO.<\/th><th class=\"has-text-align-left\" data-align=\"left\">Check Out These Interesting Posts You Might Enjoy!<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/jio-financial-services-case-study\/\">Jio Financial Services: Business Model And SWOT Analysis<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/au-small-finance-bank-case-study-services-performance-financials-and-swot-analysis\/\">AU Small Finance Bank Case Study: Services, Performance, Financials, and SWOT Analysis.<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/hindustan-unilever-limited-hul-case-study-key-acquisitions-business-model-financials-and-swot-analysis\/\">Hindustan Unilever Case Study: Business Model, Financials, and SWOT Analysis<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/hdfc-bank-case-study-business-model-financial-highlights-and-swot-analysis\/\">HDFC Bank Case Study: Business Model, Financial Highlights, and SWOT Analysis<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/bandhan-bank-case-study\/\">Bandhan Bank Case Study: Business Model, Financial Statement, SWOT Analysis<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">Are Bajaj Finance and Bajaj Finserv the same company?<\/h3><p class=\"saswp-faq-answer-text\">No, they\u2019re not the same, but they\u2019re related. Bajaj Finance is a subsidiary of Bajaj Finserv.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Which company gives loans, Bajaj Finance or Bajaj Finserv?<\/h3><p class=\"saswp-faq-answer-text\">Bajaj Finance offers loans, EMIs, credit cards, and deposits. Bajaj Finserv does not directly give loans.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Is Bajaj Finance safe for FDs?<\/h3><p class=\"saswp-faq-answer-text\">Yes, Bajaj Finance has high credit ratings (CRISIL AAA\/Stable &amp; ICRA AAA\/Stable), making it a reliable FD option.Q4. Which company has more profits?<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Which company has more profits?<\/h3><p class=\"saswp-faq-answer-text\">Bajaj Finserv has marginally higher profits than Bajaj Finance, but it must be taken into consideration that Bajaj Finance is the subsidiary of Bajaj Finserv due to which a proportion of profits earned by Bajaj Finance is also reflected in profits of Bajaj Finserv.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Is Bajaj Finserv a bank?<\/h3><p class=\"saswp-faq-answer-text\">No! It\u2019s a non-banking financial holding company. It owns stakes in other businesses dealing in finance, insurance, and wealth management.<\/p><\/ul><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may have come across Bajaj Finance and Bajaj Finserv if you have searched for loans, insurance or investment options on the internet. They both seem alike, belong to the same group and are commonly found in similar web searches, but they aren\u2019t the same. So what exactly is the difference, and if you\u2019re a [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":18701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"is_paper_insight":false,"paper_insight_image":0,"paper_insight_pdf":0,"paper_insight_ppt":0,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-18692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-study"],"acf":{"freelancer":"Harjyot"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bajaj Finserv and Bajaj Finance: Which is Better? - Pocketful<\/title>\n<meta name=\"description\" content=\"Between Bajaj Finserv and Bajaj Finance? Explore key differences, financial comparisons, and which is better for loans or investments. 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