| Annual Financials | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 265 | 3,155 | 3,767 | 5,665 | 7,618 | 9,576 | 9,986 |
| Expenses | 44 | 555 | 626 | 721 | 724 | 785 | 860 |
| EBITDA | 221 | 2,601 | 3,141 | 4,945 | 6,894 | 8,791 | 9,126 |
| Operating Profit % | 83 % | 82 % | 83 % | 87 % | 90 % | 92 % | 91 % |
| Depreciation | 2 | 22 | 26 | 33 | 40 | 41 | 42 |
| Interest | 162 | 1,966 | 2,155 | 3,211 | 4,693 | 5,979 | 6,187 |
| Profit Before Tax | 57 | 613 | 960 | 1,700 | 2,161 | 2,770 | 2,897 |
| Tax | 15 | 160 | 250 | 442 | 430 | 607 | 639 |
| Net Profit | 42 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,264 |
| EPS in ₹ | 1.12 | 0.93 | 1.45 | 1.88 | 2.58 | 2.67 | 2.80 |
Bajaj Housing Finance
Bajaj Housing Finance
115.49
-0.43
(-0.37%)
There are new updates from the company1 day ago
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Market Cap
96,588.40 Cr
EPS
2.67
PE Ratio
42.46
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
188.50
52 Week Low
103.10
PB Ratio
4.82
Debt to Equity
4.70
Sector
Housing Finance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from7 analysts
Company News
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Bajaj Housing Finance Limited allotted 100,000 secured redeemable non-convertible debentures worth ₹1,000.0861 crore through private placement. Each NCD has a face value of ₹100,000 with a tenure of 1,126 days, maturing on October 16, 2028. The debentures carry a coupon rate of 7.10% per annum with annual interest payments starting October 16, 2025. The NCDs are secured by a first pari-passu charge on book debts and loan receivables equivalent to 1.00 times the aggregate outstanding value of debentures. The debentures are proposed to be listed on the Wholesale Debt Market Segment of BSE Limited under ISIN INE377Y07607.
Bajaj Housing Finance Limited has fully utilized the net proceeds of Rs 3,560 crore from its Initial Public Offer conducted in September 2024. The monitoring agency report by CARE Ratings Limited for the quarter ended June 30, 2025, confirms that 100% of the net proceeds have been deployed according to the stated objectives. The company utilized Rs 3,499.55 crore for augmenting capital base to meet future business requirements towards onward lending, and Rs 60.45 crore for share issue expenses. The IPO had a total size of Rs 6,560 crore, comprising Rs 3,560 crore fresh issue and Rs 3,000 crore offer for sale. The company completed the utilization ahead of the March 31, 2025 timeline mentioned in the offer document, with actual completion by December 31, 2024. No deviations from the original plan were reported, and all proceeds were used as disclosed in the prospectus.
Bajaj Housing Finance has forecasted Assets Under Management (AUM) growth of 24-26% in the medium term and 21-23% for FY26. The company anticipates Gross Non-Performing Assets (GNPA) levels of 40-60 basis points in the medium term and 35-40 basis points for FY26.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
115.49 | #1 96,588.40 | #10 42.46 | #2 9,576.00 | #4 25.71 | #2 2,163 | #5 20.87 | 60.92 | |
572.00 | 31,356.30 | #1 5.72 | #1 28,110.70 | 3.05 | #1 5,443 | 4.41 | 51.20 | |
538.30 | 23,236.20 | 24.53 | 3,108.90 | 20.17 | 912 | 18.59 | 65.75 | |
840.60 | 21,615.80 | 10.75 | 7,691.60 | 8.99 | 1,936 | 23.27 | 52.22 | |
328.95 | 16,704.40 | 20.61 | 1,798.40 | 27.62 | 751 | 27.65 | 47.50 | |
1,276.90 | 13,376.20 | 31.96 | 1,539.20 | 33.09 | 382 | 35.42 | 53.78 | |
1,649.60 | 13,148.00 | 26.62 | 2,020.70 | 25.46 | 491 | 14.85 | 52.79 | |
135.07 | 11,277.30 | 7.99 | 8,683.30 | -1.16 | -1,808 | 2.29 | 61.13 | |
780.25 | 10,347.40 | 11.78 | 3,879.60 | 10.07 | 857 | 12.17 | 59.60 | |
892.80 | 9,627.20 | 23.36 | 1,175.90 | #1 36.51 | 378 | #1 42.99 | 46.12 |
Forecast
Actual
Growth Rate
Revenue Growth
25.71 %
Net Income Growth
24.94 %
Cash Flow Change
-16.95 %
ROE
-23.39 %
ROCE
0.34 %
EBITDA Margin (Avg.)
1.45 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 |
| Fixed Assets | 9 | 79 | 97 | 113 | 123 | 141 |
| Current Assets | 80 | 1,079 | 683 | 426 | 413 | 577 |
| Capital Work in Progress | 0 | 0 | 2 | 0 | 1 | 1 |
| Investments | 251 | 3,266 | 1,248 | 2,001 | 1,939 | 2,533 |
| Other Assets | 2,878 | 34,514 | 47,180 | 62,540 | 79,765 | 1,00,135 |
| Total Liabilities | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 |
| Current Liabilities | 169 | 3,087 | 4,291 | 960 | 4,034 | 3,835 |
| Non Current Liabilities | 2,410 | 28,739 | 37,495 | 53,191 | 65,560 | 79,027 |
| Total Equity | 559 | 6,032 | 6,741 | 10,503 | 12,234 | 19,947 |
| Reserve & Surplus | 70 | 1,149 | 1,858 | 3,791 | 5,521 | 11,619 |
| Share Capital | 488 | 4,883 | 4,883 | 6,712 | 6,712 | 8,328 |
Cash Flow
| Cash Flow | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 55 | -197 | -55 | -313 | -30 | -2 |
| Investing Activities | -69 | -797 | 2,197 | -611 | -555 | -798 |
| Operating Activities | -1,024 | -5,076 | -12,461 | -14,332 | -14,600 | -17,075 |
| Financing Activities | 1,149 | 5,676 | 10,209 | 14,630 | 15,125 | 17,870 |
Share Holding
| % Holding | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 100.00 % | 88.75 % | 88.75 % | 88.75 % | 88.70 % |
| FIIs | 0.00 % | 1.67 % | 1.11 % | 1.12 % | 1.04 % |
| DIIs | 0.00 % | 1.94 % | 0.82 % | 0.72 % | 0.60 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 7.01 % | 8.60 % | 8.62 % | 8.69 % |
| Others | 0.00 % | 0.63 % | 0.72 % | 0.79 % | 0.96 % |
| No of Share Holders | 7 | 17,34,270 | 26,45,570 | 26,05,370 | 25,10,340 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 21 Oct 2024 |  Quarterly Result Announcement | NA | 21 Oct 2024 | 150.60 | 139.33 |
| 27 Jan 2025 | Quarterly Result Announcement | NA | 27 Jan 2025 | 126.08 | 109.15 |
| 23 Apr 2025 | Quarterly Result Announcement | NA | 23 Apr 2025 | 121.60 | 131.16 |
| 23 Jul 2025 | Quarterly Result Announcement | NA | 23 Jul 2025 | 122.05 | 121.46 |
| 23 Jul 2025 |  Annual General Meeting | NA | 23 Jul 2025 | 131.16 | 121.46 |
Announcements
Announcement under Regulation 30 (LODR)-Issue of Securities
1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 20152 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportJul 24, 2025
Jul 24, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 24, 2025
Jul 24, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 23, 2025
Jul 23, 2025Unaudited Financial Results For The Quarter Ended 30 June 2025Jul 23, 2025
Jul 23, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 23 July 2025Jul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 17, 2025
Jul 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Jul 11, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 10, 2025
Jul 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 07, 2025
Jul 07, 2025Information Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 Read With Schedule A Of Regulation 8 Of SEBI (Prohibition Of Insider Trading) Regulations 2015Jul 03, 2025
Jul 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 01, 2025
Jul 01, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 01, 2025
Jul 01, 2025Business Responsibility and Sustainability Reporting (BRSR)Jun 30, 2025
Jun 30, 2025Notice Of 17Th Annual General Meeting Scheduled On 23 July 2025Jun 30, 2025
Jun 30, 2025Reg. 34 (1) Annual Report.Jun 30, 2025
Jun 30, 2025Closure of Trading WindowJun 30, 2025
Jun 30, 2025Board Meeting Intimation for Considering And Approving The Unaudited Financial Results Of The Company For The Quarter Ending 30 June 2025.Jun 30, 2025
Jun 30, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 05, 2025
Jun 05, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 26, 2025
May 26, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 24, 2025
May 24, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMay 08, 2025
May 08, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportApr 26, 2025
Apr 26, 2025Announcement under Regulation 30 (LODR)-Meeting UpdatesApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 23, 2025
Apr 23, 2025Re-Appointment Of Chief Risk OfficerApr 23, 2025
Apr 23, 2025Compliances-Reg. 54 - Asset Cover details Apr 23, 2025
Apr 23, 2025Announcement Under Reg 30 (LODR)- Appointment Of Secretarial AuditorApr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Investor PresentationApr 23, 2025
Apr 23, 2025Audited Financial Results For The Quarter And Year Ended 31 March 2025Apr 23, 2025
Apr 23, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 23 April 2025Apr 23, 2025
Apr 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 16, 2025
Apr 16, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 11, 2025
Apr 11, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesApr 09, 2025
Apr 09, 2025Technical Indicators
RSI(14)
Neutral 60.92
ATR(14)
Volatile 1.98
STOCH(9,6)
Neutral 37.56
STOCH RSI(14)
Overbought 85.68
MACD(12,26)
Bullish 0.47
ADX(14)
Weak Trend 20.45
UO(9)
Bearish 38.40
ROC(12)
Uptrend And Accelerating 4.21
WillR(14)
Overbought -18.09
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