| Revenue growth | Total income grew 79% (9-yr CAGR). FY26 Net Total Income up 23%. |
|---|---|
| Margins | NIM moderated 7 bps, significantly better than guided 15-20 bps. |
| Order book | AUM mix: 54.1% Home Loans, 22.4% LRD, 10.8% LAP. |
| Demand visibility | Strong disbursements growth of 23% YoY in Q4 FY26. |
| Management confidence | High; metrics either met or exceeded near-term assessments. |
Growth
FY26 AUM up 23% to ₹140,706 Cr; PAT grew 18% to ₹2,560 Cr. Q4 FY26 PAT rose 14% YoY.
Outlook
Targets 21-23% AUM growth. Focusing on 'Sambhav Housing' for near-prime/affordable segments to expand yield and addressable markets.
Risks
Heightened competitive intensity and portfolio attrition impacting margins. Credit cost increased YoY due to stage-2 provisioning strengthening.
Earnings Call filed with NSE, NSE: BAJAJHFL. Summary written with AI assistance from the document.
Bajaj Housing Finance Ltd: key numbers
- Share price
- ₹83.14
- Market cap
- ₹69,275 Cr
- Revenue (annual)
- ₹11,147 Cr
- Net profit (annual)
- ₹2,560 Cr
- P/E (TTM)
- 25.7×Sector 22.0×
- Promoter holding
- 86.70%+0.00% QoQ
- FII holding
- 0.90%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Bajaj Housing Finance Ltd
All →Bajaj Housing Finance Debt & Borrowing: ₹807.8 Cr
Bajaj Housing Finance Limited has allotted 81,500 Secured Redeemable Non-Convertible Debentures (NCDs) aggregating to ₹807.82 Crore. These NCDs are issued on a private placement basis.
- Value
- ₹807.8 Cr
- Execution
- 1,790 days
Bajaj Housing Finance Other Announcement
Bajaj Housing Finance disclosed an ESG rating of 71.44 assigned by Niche Ninety Nine. The rating was independently prepared without company engagement.
Bajaj Housing Finance Debt & Borrowing: ₹495.5 Cr
Bajaj Housing Finance allotted 50,000 NCDs aggregating Rs. 495.53 crore on private placement. The 3,608-day secured debentures carry 7.87% p.a. coupon, maturing August 2036.
- Value
- ₹495.5 Cr
Bajaj Housing Finance Debt & Borrowing: ₹1,986 Cr
Bajaj Housing Finance allotted 2,00,000 NCDs of Rs.1,985.65 crore via private placement. The secured debentures carry 7.79% coupon and mature in August 2031.
- Value
- ₹1,986 Cr
- Execution
- 1,807 days (residual), maturity 20 August 2031
Bajaj Housing Finance Other Announcement
Bajaj Housing Finance has been assigned an ESG rating of 73 by NSE Sustainability Ratings and Analytics Limited, based on publicly available data.
Bajaj Housing Finance Investor Presentation: Key Takeaways
Strong Q1 FY27 results with 33% disbursement growth and 23% PAT growth. Management focuses on prime housing segments while expanding 'Sambhav' affordable housing.