| 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
117.02
-2.64
(-2.21%)
Q1 Quarterly Results are out. Check out the updated financials1 day ago
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Market Cap
99,704.70 Cr
EPS
2.67
PE Ratio
43.99
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
188.50
52 Week Low
103.10
PB Ratio
5.00
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 from8 analysts
Company News
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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.
Bajaj Housing Finance Reports 24% AUM Growth and 21% PAT Increase in Q1 FY262 days ago
Bajaj Housing Finance Limited reported Assets Under Management (AUM) growth of 24% reaching ₹1,20,420 crore in Q1 FY26, driven by moderation in real estate market and competitive pricing pressures. Profit After Tax grew 21% to ₹583 crore with Return on Assets maintained at 2.3%. The company's asset quality remained healthy with Gross NPA at 0.30% and Net NPA at 0.13%, while annualized credit cost stood at 0.16%. Net Interest Income increased 33% to ₹887 crore. The diversified portfolio comprises 55.8% home loans, 20.4% lease rental discounting, 11.9% loan against property, and 10.5% developer finance. Cost of funds reduced by 21 basis points to 7.7% on sequential basis. The company operates across 21 states/UTs with 217 branches covering 175 locations. Management has moderated FY26 AUM growth guidance to 21-23% from medium-term target of 24-26% due to competitive market conditions.
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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 |
|---|---|---|---|---|---|---|---|---|
117.02 | #1 99,704.70 | #10 43.99 | #2 9,576.00 | #4 25.71 | #2 2,163 | #6 20.87 | 35.02 | |
606.90 | 33,812.40 | #1 6.21 | #1 28,110.10 | 20.02 | #1 5,443 | 26.99 | 46.57 | |
1,010.40 | 27,319.30 | 13.39 | 7,665.35 | 8.08 | 1,916 | 23.27 | 30.49 | |
496.40 | 22,108.50 | 24.24 | 3,108.90 | 20.17 | 912 | 18.59 | 61.49 | |
348.90 | 17,674.30 | 23.57 | 1,750.41 | 24.98 | 755 | 26.22 | 61.27 | |
1,843.60 | 14,805.50 | 30.17 | 2,020.70 | 25.46 | 491 | 14.85 | 41.35 | |
1,479.00 | 14,618.20 | 38.22 | 1,539.20 | 33.09 | 382 | 35.42 | 67.30 | |
126.68 | 10,839.10 | 7.99 | 8,623.33 | -1.16 | -2,367 | 1.44 | 45.70 | |
774.60 | 10,284.80 | 11.67 | 3,878.26 | 28.49 | 854 | 12.17 | 41.23 | |
935.05 | 10,240.30 | 27.12 | 1,175.90 | #1 42.10 | 378 | #1 38.77 | 52.70 |
Automatic Screeners on ScanX
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 |
|---|---|---|---|---|---|
| 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 |
| 23 Apr 2025 | Quarterly Result Announcement | NA | 23 Apr 2025 | 121.60 | 131.16 |
| 27 Jan 2025 | Quarterly Result Announcement | NA | 27 Jan 2025 | 126.08 | 109.15 |
| 21 Oct 2024 | Quarterly Result Announcement | NA | 21 Oct 2024 | 150.60 | 139.33 |
Announcements
Announcement under Regulation 30 (LODR)-Monitoring Agency Report
1 day ago
1 day agoShareholder Meeting / Postal Ballot-Scrutinizers Report1 day ago
1 day agoShareholder Meeting / Postal Ballot-Outcome of AGM2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation2 days ago
2 days agoUnaudited Financial Results For The Quarter Ended 30 June 20252 days ago
2 days agoBoard Meeting Outcome for Outcome Of Board Meeting Held On 23 July 20252 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Issue of Securities8 days ago
8 days agoCompliances-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, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2025
Apr 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 08, 2025
Apr 08, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotApr 07, 2025
Apr 07, 2025Board Meeting Intimation for Considering And To Approve The Audited Standalone Financial Results Of The Company For The Quarter And Year Ended 31 March 2025.Apr 05, 2025
Apr 05, 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 2015Apr 04, 2025
Apr 04, 2025Closure of Trading WindowMar 31, 2025
Mar 31, 2025Closure of Trading WindowMar 31, 2025
Mar 31, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Mar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesMar 19, 2025
Mar 19, 2025Outcome Of Board Meeting Held On 19 March 2025Mar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 11, 2025
Mar 11, 2025Technical Indicators
RSI(14)
Neutral 42.54
ATR(14)
Volatile 1.92
STOCH(9,6)
Neutral 46.39
STOCH RSI(14)
Neutral 49.58
MACD(12,26)
Bullish 0.01
ADX(14)
Weak Trend 7.60
UO(9)
Bearish 37.79
ROC(12)
Downtrend And Accelerating -1.07
WillR(14)
Oversold -94.97
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