Q1-FY25 · Q4 FY24
NIM compression of 30-40 bps over next two quarters
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
BAJFINANCE / Q2-FY26 / promises
Measure what management said.
Bajaj Finance · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY25 · Q4 FY24
OpEx-to-income improvement of 20-40 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY24 · Q1 FY24
NIM compression of 10-15 bps in Q2 and Q3
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
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Q2-FY25 · Q1 FY25
AUM growth guidance maintained at 26-28% for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY25 · Q1 FY25
Cost of funds expected to peak by August/September
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY26 · Q1 FY26
FY26 AUM growth of 23-24%
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q2-FY26 · Q1 FY26
Deposit contribution to decline to 15-16%
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q3-FY24 · Q2 FY24
NIM compression of 25-30 bps expected for full year
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
Microfinance pilot to expand to 100 locations by March 2024
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
Capital raise of ₹10,000 crore via QIP and preferential allotment
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
FY25 credit cost guidance revised to ~2.05%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
FY26 AUM growth revised to 22%-23%
The current-quarter record did not contain enough evidence of delivery; the item remains delayed for follow-up.
delayed
heuristic_v1
Q3-FY26 · Q2 FY26
FY26 credit cost at upper end of 1.85%-1.95%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
MSME business to grow 10%-12% in FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
Cost of funds to be 7.5%-7.55% for FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY24 · Q3 FY24
Credit cost guidance of 175-185 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Interest rate hike of 20-30 bps from January 1
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Rural B2C growth slowed to 10%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
KFS compliance for all products by March 2024
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY25 · Q3 FY25
Q4 FY25 credit cost guidance of 2.00-2.05%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1