Bajaj Housing Finance

105.65
-0.76
(-0.71%)
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Key Fundamentals
Add Ratio
Market Cap
88,031.12 Cr
EPS
2.67
PE Ratio
37.58
Dividend Yield
0.00 %
52 Week High
147.70
52 Week Low
103.10
PB Ratio
4.18
Debt to Equity
4.70
Forecast For
Actual

Company News

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neutral
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.
neutral
Bajaj Housing Finance Reports 24% AUM Growth Despite Competitive Pressures in Q2 FY268 days ago
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.
positive
Bajaj 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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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
105.65
#1 88,031.12
#10 37.58
#2 9,576.00
#4 25.71
#2 2,163
#7 17.85
33.40
547.10
30,093.95
#1 5.53
#1 28,110.70
3.05
#1 5,443
1.63
34.82
889.10
23,161.82
10.98
7,691.60
8.99
1,936
23.82
52.01
484.15
20,968.18
21.31
3,108.90
20.17
912
17.14
34.65
279.90
14,012.86
16.66
1,798.40
27.62
751
24.51
32.65
162.22
13,437.62
10.25
8,683.30
0.68
-1,808
#1 111.17
35.22
1,625.50
12,867.68
26.38
2,020.70
25.46
491
14.85
47.19
1,172.60
12,143.51
27.15
1,539.20
33.09
382
43.06
47.43
887.55
11,818.09
12.74
3,879.60
10.07
857
18.87
58.14
884.85
9,576.39
21.77
1,175.90
#1 36.51
378
35.41
54.50
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 %

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
21 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Oct 2024 150.60 139.33
27 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
27 Jan 2025 126.08 109.15
23 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Apr 2025 121.60 131.16
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
06 Nov 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
06 Nov 2025 109.43 109.60

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Edelweiss Recently Listed IPO Fund Direct-Growth
0.00%
-2496242
-2.88%
-3.97%
HSBC Large and Mid Cap Fund Direct - Growth
0.00%
-249400
-0.06%
-0.06%
LIC MF Banking & Financial Services Fund Direct-Growth
0.75%
192643
0.75%
0.75%
SBI Nifty Next 50 Index Fund Direct - Growth
0.44%
-29074
-0.01%
-0.02%
Sundaram Nifty 100 Equal Weight Fund Direct-Growth
0.97%
24285
0.15%
0.04%
ICICI Prudential Nifty Next 50 Index Direct-Growth
0.44%
-23659
-0.01%
-0.02%
UTI Nifty Next 50 Index Fund Direct - Growth
0.44%
16911
-0.01%
-0.02%
HDFC NIFTY 100 Equal Weight Index Fund Direct - Growth
0.97%
13197
-0.03%
0.04%
JioBlackRock Nifty Next 50 Index Fund Direct-Growth
0.44%
11198
-0.02%
-0.01%
Navi Nifty Next 50 Index Fund Direct - Growth
0.44%
10168
-0.01%
-0.02%
Kotak Nifty Next 50 Index Fund Direct - Growth
0.44%
10045
-0.01%
-0.01%
HDFC NIFTY Next 50 Index Fund Direct - Growth
0.44%
6816
-0.01%
-0.01%
Aditya Birla Sun Life Nifty Next 50 Index Fund Direct-Growth
0.46%
4992
0.00%
0.00%
DSP Nifty Next 50 Index Fund Direct - Growth
0.44%
4667
-0.01%
-0.01%
Motilal Oswal Nifty Next 50 Index Fund Direct - Growth
0.44%
2916
-0.01%
-0.02%
Motilal Oswal Nifty 500 Index Fund Direct - Growth
0.05%
2108
0.00%
0.00%
Nippon India Nifty 500 Equal Weight Index Fund Direct-Growth
0.20%
1529
0.00%
0.01%
Edelweiss Nifty Next 50 Index Fund Direct - Growth
0.44%
1508
-0.01%
-0.01%
Axis Nifty Next 50 Index Fund Direct-Growth
0.44%
-1391
-0.01%
-0.01%
SBI Nifty 500 Index Fund Direct-Growth
0.05%
-1223
0.00%
0.00%
Kotak Nifty 100 Equal Weight Index Fund Direct-Growth
0.97%
1043
-0.06%
0.04%
Kotak BSE Housing Index Fund Direct - Growth
1.48%
-1016
-0.09%
-0.06%
Bandhan Nifty Next 50 Index Fund Direct-Growth
0.44%
655
-0.01%
-0.01%
Axis Nifty 100 Index Fund Direct-Growth
0.07%
572
0.00%
0.00%
HDFC Nifty LargeMidcap 250 Index Fund Direct-Growth
0.04%
-526
0.00%
0.00%

Technical Indicators

RSI(14)
Neutral
33.40
ATR(14)
Less Volatile
1.24
STOCH(9,6)
Oversold
7.48
STOCH RSI(14)
Oversold
5.95
MACD(12,26)
Bearish
-0.22
ADX(14)
Weak Trend
15.32
UO(9)
Bearish
30.31
ROC(12)
Downtrend And Accelerating
-3.18
WillR(14)
Oversold
-91.16