Bajaj Housing Finance

Bajaj Housing Finance

117.02
-2.64
(-2.21%)
Market Cap
99,704.70 Cr
EPS
2.67
PE Ratio
43.99
Dividend Yield
0.00 %
52 Week High
188.50
52 Week Low
103.10
PB Ratio
5.00
Debt to Equity
4.70
Add Ratio
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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
SELL
Analysts have suggested that investors can sell this stock
Buy
Buy+12.50 %
+12.50 %
Hold
Hold+25.00 %
+25.00 %
Sell
Sell+62.50 %
+62.50 %

Company News

View All News
Caret
positive
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.
positive
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.
neutral
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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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
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

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

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 Quarterly Result Announcement
NA
23 Jul 2025 122.05 121.46
23 Jul 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
23 Jul 2025 131.16 121.46
23 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Apr 2025 121.60 131.16
27 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
27 Jan 2025 126.08 109.15
21 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Oct 2024 150.60 139.33

Announcements

Announcement under Regulation 30 (LODR)-Monitoring Agency Report1 day ago
Shareholder Meeting / Postal Ballot-Scrutinizers Report1 day ago
Shareholder Meeting / Postal Ballot-Outcome of AGM2 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome2 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation2 days ago
Unaudited Financial Results For The Quarter Ended 30 June 20252 days ago
Board Meeting Outcome for Outcome Of Board Meeting Held On 23 July 20252 days ago
Announcement under Regulation 30 (LODR)-Issue of Securities8 days ago
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 10, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 07, 2025
Information 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
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 01, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 01, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jun 30, 2025
Notice Of 17Th Annual General Meeting Scheduled On 23 July 2025Jun 30, 2025
Reg. 34 (1) Annual Report.Jun 30, 2025
Closure of Trading WindowJun 30, 2025
Board Meeting Intimation for Considering And Approving The Unaudited Financial Results Of The Company For The Quarter Ending 30 June 2025.Jun 30, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 12, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 05, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 26, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 24, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMay 08, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 02, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptApr 29, 2025
Announcement under Regulation 30 (LODR)-Monitoring Agency ReportApr 26, 2025
Announcement under Regulation 30 (LODR)-Meeting UpdatesApr 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 23, 2025
Re-Appointment Of Chief Risk OfficerApr 23, 2025
Compliances-Reg. 54 - Asset Cover details Apr 23, 2025
Announcement Under Reg 30 (LODR)- Appointment Of Secretarial AuditorApr 23, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationApr 23, 2025
Audited Financial Results For The Quarter And Year Ended 31 March 2025Apr 23, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On 23 April 2025Apr 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 16, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 11, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesApr 09, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 08, 2025
Shareholder Meeting / Postal Ballot-Notice of Postal BallotApr 07, 2025
Board 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
Information 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
Closure of Trading WindowMar 31, 2025
Closure of Trading WindowMar 31, 2025
Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Mar 19, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateMar 19, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesMar 19, 2025
Outcome Of Board Meeting Held On 19 March 2025Mar 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 11, 2025

Technical 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

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
HSBC Large and Mid Cap Fund Direct - Growth
0.07%
-910637
-0.27%
-0.29%
Edelweiss Recently Listed IPO Fund Direct-Growth
4.37%
400000
0.42%
0.18%
ICICI Prudential Nifty Next 50 Index Direct-Growth
0.47%
62681
-0.01%
-0.03%
UTI Nifty Next 50 Index Fund Direct - Growth
0.47%
59224
-0.01%
-0.03%
UTI BSE Housing Index Fund Direct - Growth
1.66%
34459
1.66%
1.66%
Kotak BSE Housing Index Fund Direct - Growth
1.67%
24491
1.67%
1.67%
Navi Nifty Next 50 Index Fund Direct - Growth
0.48%
23084
-0.01%
-0.02%
SBI Nifty Next 50 Index Fund Direct - Growth
0.48%
17143
0.00%
-0.02%
HDFC NIFTY Next 50 Index Fund Direct - Growth
0.47%
16894
-0.02%
-0.03%
HDFC NIFTY 100 Equal Weight Index Fund Direct - Growth
0.98%
16708
0.02%
-0.01%
Kotak Nifty Next 50 Index Fund Direct - Growth
0.48%
14871
-0.01%
-0.02%
Nippon India Nifty 500 Equal Weight Index Fund Direct-Growth
0.20%
14723
0.02%
0.01%
DSP Nifty Next 50 Index Fund Direct - Growth
0.47%
10876
-0.01%
-0.03%
Aditya Birla Sun Life Nifty Next 50 Index Fund Direct-Growth
0.47%
-9905
-0.01%
-0.03%
Axis Nifty Next 50 Index Fund Direct-Growth
0.47%
5372
-0.01%
-0.03%
Sundaram Nifty 100 Equal Weight Fund Direct-Growth
0.98%
4432
0.01%
0.00%
Motilal Oswal Nifty Next 50 Index Fund Direct - Growth
0.47%
4419
-0.01%
-0.03%
Zerodha Nifty Large Midcap 250 Index Fund Direct - Growth
0.04%
2293
0.00%
0.00%
Edelweiss Nifty Next 50 Index Fund Direct - Growth
0.47%
1898
-0.02%
-0.03%
Kotak Nifty 100 Equal Weight Index Fund Direct-Growth
1.02%
1191
0.05%
0.03%
Motilal Oswal Nifty 500 Index Fund Direct - Growth
0.06%
923
0.00%
0.00%
HDFC Nifty500 Multicap 50:25:25 Index Fund Direct-Growth
0.04%
872
0.00%
0.00%
HSBC Nifty Next 50 Index Fund Direct - Growth
0.47%
758
-0.02%
-0.03%
Bandhan Nifty Next 50 Index Fund Direct-Growth
0.48%
614
-0.01%
-0.02%
LIC MF Nifty Next 50 Index Fund Direct-Growth
0.47%
588
-0.01%
-0.03%