India’s largest non-bank lender by market capitalisation, Bajaj Finance, has revealed a major artificial intelligence roadmap under its internal FINAI programme. The company plans to deploy more than 800 autonomous AI agents across sales, operations, HR, IT, risk and DMS in FY27. Managing Director Rajeev Jain said, “We are investing very deep in Agents. We believe that the company would have 800+ autonomous agents across sales, operations, HR, IT, risk and DMS in the next fiscal.”
Along with internal automation, Bajaj Finance will introduce a dedicated Consumer AI interface starting FY27. The company is building a new Consumer AI platform alongside its existing app base of about 82 million installs. Between May and June 2026, management expects to see “AI injection” and AI summaries integrated into processes. By May and June 2027, nearly 100 million customers will be able to choose between a “classic mode” and an “AI mode” on the platform.
The company shared strong Q3 metrics highlighting early AI gains. Its systems analysed 20 million customer calls using voice to text technology to create data insights and personalised offers. More than Rs 1600 crore in loan disbursements in Q3 were processed through AI assisted call centre workflows. AI driven quality checks now cover 41% of documents, with a target of 85% to 90% automation within 15 months. Bajaj Finance also reported efficiency improvements of 25% to 45% across technology and digital infrastructure functions due to AI adoption. It plans to publish quarterly “AI benefit metrics” to measure the financial impact of these technologies.
On the financial front, the lender took a Rs 1406 crore accelerated ECL provision after introducing a permanent minimum LGD floor across all business segments. Management expressed confidence in credit costs for FY27 and expects them to remain between 165 and 175 basis points. The company believes its AI led transformation will strengthen operational performance and long term profitability.
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