| Revenue growth | AUM up 23% Y-o-Y; NII up 25% for full year FY26. |
|---|---|
| Margins | Yields contracted 14 bps; NIM dropped 12 bps sequentially to 3.8%. |
| Demand visibility | Strong momentum in home loans and Sambhav (affordable/near-prime) segments. |
| Management confidence | High; aiming for 2x industry growth and maintaining market leadership. |
Growth
AUM grew 23%; Disbursements increased 23% Y-o-Y. Full-year Net Interest Income rose 25% to INR 3,752 crores.
Outlook
AUM growth target remains 2x of industry. ROA guidance maintained at 2.0%–2.2%. Sambhav AUM reached ~INR 9,000 crores.
Risks
Competitive intensity from banks impacting yields; potential NIM compression of 10-12 bps due to lower acquisition pricing.
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.