Bajaj Housing Finance shares traded higher at ₹97.26, gaining 0.65% during Monday's trading session following the company's robust Q3FY26 business update. The housing finance company delivered impressive operational performance across key business metrics, demonstrating significant growth in disbursements, assets under management, and profitability.

Market Performance and Trading Activity

The stock opened at ₹97.10 against the previous close of ₹96.62 and touched an intraday high of ₹98.16. Trading activity remained robust with volumes of 63.34 lakh shares and a traded value of ₹61.59 crore. Despite the positive performance, market sentiment showed bearish undertones with 73% sell orders against 27% buy orders.

Strong Q3FY26 Disbursement Performance

The company achieved remarkable growth in its lending operations during Q3FY26. The disbursement performance showcased substantial expansion in business operations.

This substantial year-on-year growth demonstrates the company's enhanced market presence and successful customer acquisition strategies.

Assets Under Management Expansion

Bajaj Housing Finance's AUM performance showcased consistent business expansion. The company's total AUM grew by 23% year-on-year to approximately ₹1,33,400.00 crore as of December 31, 2025, compared with ₹1,08,314.00 crore as of December 31, 2024. On a quarterly basis, AUM increased by around ₹6,652.00 crore during Q3FY26, reflecting the company's ability to maintain strong business momentum.

Stock Performance Across Timeframes

The stock has delivered mixed returns across different investment horizons. Recent performance shows positive momentum in shorter timeframes despite longer-term challenges.

Business Fundamentals and Market Position

The company's loan assets portfolio demonstrated significant expansion during the period. As of December 31, 2025, loan assets stood at approximately ₹1,17,290.00 crore, compared with ₹95,570.00 crore as of December 31, 2024, indicating robust portfolio growth and successful lending operations. The stock trades within a 10% price band, with the upper limit at ₹106.28 and lower limit at ₹86.96, providing defined trading ranges for investors.

The company has cautioned that the reported figures are provisional and subject to review by statutory auditors, maintaining transparency in financial reporting standards.

Bajaj Housing Finance Limited (BHFL) recently held an investor/analyst group meeting in Mumbai, presenting a comprehensive overview of its growth strategy, industry landscape, and financial performance. The presentation highlighted the company's impressive growth trajectory and outlined its strategic priorities for the future.

Key Highlights

• AUM Growth: BHFL reported a substantial 24% year-over-year increase in Assets Under Management (AUM), reaching ₹1,26,749.00 crores.
• Market Share Expansion: The company's market share in the housing finance sector grew from 1.0% to 1.6%.
• Medium-Term Guidance: BHFL provided a medium-term AUM growth guidance of 21-23%, with a target to capture 5% market share in incremental home loan originations.

Financial Performance

The company's financial statements reveal a strong growth trend across key metrics:

Balance Sheet Strength

BHFL's balance sheet shows significant growth and improved financial position:

Income Statement Analysis

The company's income statement reflects strong profitability and operational efficiency:

Strategic Priorities

1. Product Mix Optimization: BHFL aims to maintain a balanced portfolio with 2-3% movement in the current product mix, adjusting between products and sub-segments based on risk-adjusted returns.

2. Market Share Expansion: The company plans to continue investing in deepening and widening its market presence to achieve a 5% market share in incremental home loan originations.

3. Liability Management: BHFL intends to balance its mix of floating and fixed-rate liabilities to optimize the cost of funds and enable competitive lending.

4. Digital Transformation: The company is committed to further digitalizing its processes to enhance ease of use and improve controllership.

Industry Outlook

The housing finance sector in India continues to show promise, with BHFL positioning itself as a key player in this growing market. The company's focus on both prime and non-prime segments, along with its expansion into commercial real estate financing, demonstrates its commitment to diversified growth.

Conclusion

Bajaj Housing Finance's investor day presentation showcases a company on a strong growth trajectory, with clear strategic priorities and robust financial performance. As the company aims to increase its market share and optimize its product mix, investors and analysts will be watching closely to see if BHFL can maintain its impressive growth rates in the competitive housing finance sector.

The company's focus on digital transformation and balanced liability management suggests a forward-thinking approach to sustainable growth. With its strong financial position and clear strategic direction, Bajaj Housing Finance appears well-positioned to capitalize on the opportunities in India's housing finance market.