| Annual Financials | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 265 | 3,155 | 3,767 | 5,665 | 7,618 | 9,576 | 10,330 |
| Expenses | 44 | 555 | 626 | 721 | 724 | 785 | 933 |
| EBITDA | 221 | 2,601 | 3,141 | 4,945 | 6,894 | 8,791 | 9,397 |
| Operating Profit % | 83 % | 82 % | 83 % | 87 % | 90 % | 92 % | 91 % |
| Depreciation | 2 | 22 | 26 | 33 | 40 | 41 | 44 |
| Interest | 162 | 1,966 | 2,155 | 3,211 | 4,693 | 5,979 | 6,331 |
| Profit Before Tax | 57 | 613 | 960 | 1,700 | 2,161 | 2,770 | 3,022 |
| Tax | 15 | 160 | 250 | 442 | 430 | 607 | 680 |
| Net Profit | 42 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,361 |
| EPS in ₹ | 1.12 | 0.93 | 1.45 | 1.88 | 2.58 | 2.67 | 2.80 |
Bajaj Housing Finance
Bajaj Housing Finance
105.27
-0.08
(-0.08%)
Market Cap
₹87,714.49 Cr
PE Ratio
37.58
Volume
14,19,961.00
Day High - Low
₹105.63 - ₹104.75
52W High-Low
₹147.70 - ₹103.10
Key Fundamentals
Market Cap
87,714.49 Cr
EPS
2.67
PB Ratio
4.18
Book Value
25.42
EBITDA
8,790.60
Dividend Yield
0.00 %
Industry
Financial Services Sector
Housing Finance ROE Growth %
-
Debt to Equity
4.70
Analyst Rating and Forecast
- By Refinitiv from9 analysts
Actual
Company News
View All News
Bajaj Housing Finance Limited has allotted 50,000 secured redeemable non-convertible debentures (NCDs) with a face value of Rs 1,00,000 each, totaling Rs 504.48 crore through private placement. The NCDs carry a coupon rate of 7.10% per annum with annual interest payments starting October 16, 2025, and will mature on October 16, 2028. The debentures are proposed to be listed on the Wholesale Debt Market Segment of BSE Limited. The NCDs are secured by a first pari-passu charge on book debts and loan receivables, with security cover equivalent to 1.00 times the aggregate outstanding value of debentures. The allotment was approved by the company's Debenture Allotment Committee.
Bajaj Housing Finance Reports 24% AUM Growth Despite Competitive Pressures in Q2 FY26Nov 12, 2025
Bajaj Housing Finance delivered stable quarterly results with AUM growing 24% year-on-year to INR 1,26,749 crores as of September 30. PAT increased 18% with annualized ROA at 2.3% and ROE at 12.2%. Asset quality improved with GNPA at 0.26% and NNPA at 0.12%, while annualized credit cost stood at 18 bps. The company expanded to 176 locations with 220 branches. Cost of funds improved 50 bps year-on-year to 7.4%, though gross spread remained flat at 1.9%. Disbursements grew 32% to INR 15,914 crores. Management noted heightened competition from PSU banks in the prime home loan segment, with BT-out rates rising to 21-22% from 15-16% last year. The company maintained its medium-term guidance despite competitive pressures, with home loans comprising 55% of portfolio, LAP at 10%, LRD at 21%, and developer finance at 12%. Operating efficiency improved with opex to NTI at 19.6% versus 20.5% in the previous year.
Bajaj Housing Finance Reports 19% Growth in Half-Year Profit, AUM Crosses ₹1.26 Lakh Crore
Nov 11, 2025
Nov 11, 2025Bajaj Housing Finance reported its highest-ever half-yearly profit after tax of ₹1,226 crore for H1 FY26, representing 19% growth compared to ₹1,028 crore in H1 FY25. Assets under Management grew 24% to ₹1,26,749 crore as of September 30, 2025, up from ₹1,02,569 crore in the previous year. Net interest income increased 34% to ₹1,843 crore, while net total income grew 24% to ₹2,110 crore. The company maintains healthy asset quality with Gross NPA at 0.26% and Net NPA at 0.12%. Operating expenses to net total income improved to 20.3% from 20.7%. The company operates across 176 locations through 220 branches spanning 21 states and union territories. For FY26, the company has reassessed its guidance to AUM growth of 21-23%, ROA of 2.0-2.2%, and ROE of 11-12%. The company's Sambhav Home Loans business for near prime and affordable housing is performing well and currently operates across 67 urban locations and 72 tier IV/rural locations.
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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 |
|---|---|---|---|---|---|---|---|---|
105.27 | #1 87,714.49 | #10 37.58 | #2 9,576.00 | #4 25.71 | #2 2,163 | #7 17.85 | 32.46 | |
550.60 | 30,286.47 | #1 5.53 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 37.59 | |
910.80 | 23,727.12 | 10.98 | 7,691.60 | 8.99 | 1,936 | 23.82 | 54.24 | |
481.60 | 20,857.75 | 21.31 | 3,108.90 | 20.17 | 912 | 17.14 | 34.61 | |
279.20 | 13,977.82 | 16.66 | 1,798.40 | 27.62 | 751 | 24.51 | 37.59 | |
153.22 | 12,692.10 | 10.25 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 37.95 | |
1,566.70 | 12,402.21 | 26.38 | 2,020.70 | 25.46 | 491 | 14.85 | 40.35 | |
885.45 | 11,790.13 | 12.74 | 3,879.60 | 10.07 | 857 | 18.87 | 57.60 | |
1,113.60 | 11,532.51 | 27.15 | 1,539.20 | 33.09 | 382 | 43.06 | 36.65 | |
876.65 | 9,487.64 | 21.77 | 1,175.90 | #1 36.51 | 378 | 35.41 | 47.75 |
Automatic Screeners on ScanX
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 | -12,481 | -14,332 | -14,600 | -17,075 |
| Financing Activities | 1,149 | 5,676 | 10,229 | 14,630 | 15,125 | 17,870 |
Share Holding
| % Holding | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 100.00 % | 88.75 % | 88.75 % | 88.75 % | 88.70 % | 88.70 % |
| FIIs | 0.00 % | 1.67 % | 1.11 % | 1.12 % | 1.04 % | 0.90 % |
| DIIs | 0.00 % | 1.94 % | 0.82 % | 0.72 % | 0.60 % | 0.54 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 7.01 % | 8.60 % | 8.62 % | 8.69 % | 8.87 % |
| Others | 0.00 % | 0.63 % | 0.72 % | 0.79 % | 0.96 % | 0.99 % |
| No of Share Holders | 7 | 17,34,270 | 26,45,570 | 26,05,370 | 25,10,340 | 24,45,280 |
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 |
| 06 Nov 2025 | Quarterly Result Announcement | NA | 06 Nov 2025 | 109.43 | 109.60 |
Announcements
Announcement under Regulation 30 (LODR)-Issue of SecuritiesNov 13, 2025
Nov 13, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 12, 2025
Nov 12, 2025Submission Of Half-Yearly Report For FY 2025-26Nov 10, 2025
Nov 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 06, 2025
Nov 06, 2025Unaudited Financial Results For The Quarter And Half Year Ended 30 September 2025Nov 06, 2025
Nov 06, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 06 November 2025Nov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 24, 2025
Oct 24, 2025Board Meeting Intimation for Considering And Approving Unaudited Standalone Financial Results For The Quarter And Half Year Ended 30 September 2025Oct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesOct 13, 2025
Oct 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 06, 2025
Oct 06, 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 2015Oct 03, 2025
Oct 03, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesSep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Sep 15, 2025
Sep 15, 2025Announcement 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, 2025Mutual Fund Holdings
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RSI(14)
Neutral 32.46
ATR(14)
Volatile 1.29
STOCH(9,6)
Oversold 11.16
STOCH RSI(14)
Oversold 13.18
MACD(12,26)
Bearish -0.17
ADX(14)
Weak Trend 19.22
UO(9)
Bullish 25.87
ROC(12)
Downtrend But Slowing Down -2.16
WillR(14)
Oversold -88.37
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