Bajaj Housing Finance Ltd.

•

bajajhousingfinance.inBSE: 544252NSE: BAJAJHFL

Market Cap₹ 70,125 Cr.

Current Price

High / Low₹ 117 / 73

Stock P/E26.0

Book Value₹ 28

Price to Book2.71

Dividend Yield0.00 %

ROCE8.8 %

ROE12.1 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 41.4% CAGR over last 5 years
Comfortable capital adequacy - CAR of 22.5%
Asset quality is healthy - gross NPA of just 0.3%
Solid return on assets for a lender - ROA of 2.2%
Company has delivered good sales growth of 28.7% CAGR over last 5 years
Operating margins have improved to 91.0% from 87.3%

CONS

Promoter holding has decreased over last 2 years: -13.3pp
Company has a low return on capital employed of 9.3%
Free cash flow has been persistently negative
Equity base is being diluted - shares outstanding up 24.1%
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 150 NIFTY TOTAL MKT NIFTY 500

S.No.	Name
1.	BAJAJHFL	84.16	673.24	70124.93	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2256.30	31.65	53390.90	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	172.70	8.12	34572.81	3.50	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	562.55	5.39	30943.79	1.78	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1175.00	13.24	30644.46	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	456.35	17.53	19997.56	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	147.45	0.00	17171.39	0.00	243.30	-27.22	1651.93	-31.18	-4.70	99.91
8.	APTUS	249.30	12.68	12485.70	1.81	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1184.65	21.31	12386.64	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	CANFINHOME	781.05	9.21	10400.04	1.92	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1275.10	20.61	10110.82	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	INDIASHLTR	652.05	14.15	7118.25	1.53	137.59	27.24	408.23	24.73	12.96	73.07

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,880	1,917	1,986	2,174	2,388	2,435	2,498	2,600	2,725	2,878	2,887	3,063
	176	164	219	170	179	210	222	244	253	263	262	2,134
Operating Profit	1,735	1,782	1,778	2,038	2,231	2,239	2,282	2,371	2,502	2,597	2,640	2,830
OPM %	92.30%	92.94%	89.50%	93.78%	93.43%	91.94%	91.33%	91.19%	91.81%	90.24%	91.46%	92.39%
Other Income	0	0	0	0	0	0	0	3	0	0	0	0
Interest	1,151	1,200	1,279	1,399	1,514	1,516	1,551	1,606	1,658	1,734	1,762	1,888
Depreciation	10	10	10	10	10	10	11	11	12	12	13	13
	575	572	488	630	708	713	720	757	833	865	866	929
Tax %	21.55%	23.59%	21.89%	23.38%	22.89%	23.14%	18.49%	22.94%	22.78%	23.09%	22.72%	22.98%
Net Profit	451	437	381	483	546	548	587	583	643	665	669	715
	1	1	1	1	1	1	1	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	3	106	1,149	2,646	3,155	3,767	5,665	7,617	9,554	11,147	11,553
	3	48	315	438	553	624	719	722	762	1,008	2,912
Operating Profit	0	58	834	2,208	2,602	3,142	4,946	6,895	8,792	10,139	8,641
OPM %	14.06%	54.74%	72.60%	83.44%	82.48%	83.43%	87.31%	90.52%	92.03%	90.95%	74.79%
	0	0	7	0	1	0	1	0	0	-10	-13
Interest	0	47	685	1,618	1,968	2,157	3,213	4,695	5,981	6,761	7,042
Depreciation	0	0	7	23	22	26	33	40	41	47	49
Profit before Tax	0	11	149	567	613	960	1,700	2,161	2,770	3,320	3,492
Tax %	0.00%	6.45%	26.16%	25.75%	26.09%	26.07%	26.01%	19.90%	21.92%	22.88%	22.90%
Net Profit	0	10	110	421	453	710	1,258	1,731	2,163	2,560	2,692
EPS	0.00	0.19	0.52	1.12	0.93	1.45	1.90	2.58	2.60	3.07	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 29%
3 Years:: 25%

COMPOUNDED PROFIT GROWTH

10 Years:: 194%
5 Years:: 41%
3 Years:: 27%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -25%

RETURN ON EQUITY

10 Years:: 9%
5 Years:: 13%
3 Years:: 14%
Last Year:: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	350	1,550	3,550	4,883	4,883	4,883	6,712	6,712	8,328	8,329
	-25	0	108	695	1,149	1,858	3,791	5,521	11,602	14,146
	0	3,098	15,485	25,601	31,601	41,492	53,745	69,160	82,109	1,03,823
Trade Payables	0	36	45	48	42	75	119	58	76	126
	0	13	61	145	168	203	1,286	1,813	2,677	3,424
Total Liabilities	325	4,697	19,250	31,372	37,843	48,512	65,654	83,264	1,04,792	1,29,848
	2	3	38	86	79	97	113	123	141	154
	322	1,007	1,756	2,508	3,266	1,248	2,001	1,939	2,533	2,502
	0	0	0	0	0	0	0	13	22	28
Cash & Bank	0	111	107	659	717	407	109	64	62	166
	0	3,576	17,349	28,120	33,781	46,759	63,431	81,125	1,02,034	1,26,998
Total Assets	325	4,697	19,250	31,372	37,843	48,512	65,654	83,264	1,04,792	1,29,848

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0	-3,359	-13,322	-10,116	-4,896	-12,238	-13,933	-14,600	-17,075	-19,895
Cash from Investing	-297	-634	-743	-694	-797	2,197	-611	-555	-798	-1,202
Cash from Financing	297	4,114	14,105	11,490	5,676	10,228	14,630	15,125	17,870	21,197
	0	111	-4	552	-197	-55	-313	-30	-2	100

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Mar 2023	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	100.00	88.75	88.75	88.75	88.70	88.70	86.70	86.70	86.70
	0.00	1.68	1.00	1.01	0.94	0.86	0.94	0.99	0.90
	0.00	1.83	0.82	0.72	0.59	0.54	1.39	1.18	1.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	0.00	7.64	9.32	9.41	9.66	9.86	10.97	11.13	11.38

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

Allotment of Securities

2026-09-08 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 2,00,000 Non-Convertible Securities

2026-09-03

General Updates

2026-09-03 - Bajaj Housing Finance Limited has informed the Exchange about ESG Rating received from NSE Sustainability Ratings and Analytics Limited.

2026-09-01

Address Change

2026-09-01 - Bajaj Housing Finance Limited has informed the Exchange regarding change in Registered Office of the company.

2026-08-20

Allotment of Securities

2026-08-20 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 75000 Non-Convertible Debentures

2026-08-19

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-19 - Bajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meeting

2026-08-18

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-18 - Bajaj Housing Finance Limited has informed the Exchange about Investor Presentation

2026-08-17

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Bajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meeting

2026-08-11

General Updates

2026-08-11 - Bajaj Housing Finance Limited has informed the Exchange about ESG Rating received from CRISIL ESG Ratings & Analytics Limited

2026-08-10

Allotment of Securities

2026-08-10 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 75000 Non Convertible Debentures at its meeting held on August 10, 2026

News

Recent coverage and analyst commentary for BAJAJHFL

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Bajaj Housing Finance Ltd.

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Free 5nance Account

Name

BAJAJHFL

84.16

673.24

70124.93

0.00

715.28

22.63

3063.02

17.79

8.83

92.39

PIRAMALFIN

2256.30

31.65

53390.90

0.49

460.98

—

3368.27

33.52

7.74

64.47

HUDCO

172.70

8.12

34572.81

3.50

851.11

35.05

3717.17

27.10

8.41

97.08

LICHSGFIN

562.55

5.39

30943.79

1.78

1499.03

9.90

7082.59

-1.16

8.59

97.06

PNBHOUSING

1175.00

13.24

30644.46

0.68

557.34

4.47

2263.44

9.02

9.41

91.52

AADHARHFC

456.35

17.53

19997.56

0.00

282.36

19.00

992.89

17.06

11.31

75.02

SAMMAANCAP

147.45

0.00

17171.39

0.00

243.30

-27.22

1651.93

-31.18

-4.70

99.91

APTUS

249.30

12.68

12485.70

1.81

260.94

19.01

600.29

15.38

15.45

81.94

HOMEFIRST

1184.65

21.31

12386.64

0.44

1598.51

1244.52

5380.11

1086.05

11.13

77.98

CANFINHOME

781.05

9.21

10400.04

1.92

267.82

19.63

1096.15

7.43

9.14

91.29

AAVAS

1275.10

20.61

10110.82

0.00

142.48

12.34

546.02

21.42

9.97

74.58

INDIASHLTR

652.05

14.15

7118.25

1.53

137.59

27.24

408.23

24.73

12.96

73.07

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

1,880

1,917

1,986

2,174

2,388

2,435

2,498

2,600

2,725

2,878

2,887

3,063

176

164

219

170

179

210

222

244

253

263

262

2,134

Operating Profit

1,735

1,782

1,778

2,038

2,231

2,239

2,282

2,371

2,502

2,597

2,640

2,830

OPM %

92.30%

92.94%

89.50%

93.78%

93.43%

91.94%

91.33%

91.19%

91.81%

90.24%

91.46%

92.39%

Other Income

Interest

1,151

1,200

1,279

1,399

1,514

1,516

1,551

1,606

1,658

1,734

1,762

1,888

Depreciation

575

572

488

630

708

713

720

757

833

865

866

929

Tax %

21.55%

23.59%

21.89%

23.38%

22.89%

23.14%

18.49%

22.94%

22.78%

23.09%

22.72%

22.98%

Net Profit

451

437

381

483

546

548

587

583

643

665

669

715

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

106

1,149

2,646

3,155

3,767

5,665

7,617

9,554

11,147

11,553

315

438

553

624

719

722

762

1,008

2,912

Operating Profit

834

2,208

2,602

3,142

4,946

6,895

8,792

10,139

8,641

OPM %

14.06%

54.74%

72.60%

83.44%

82.48%

83.43%

87.31%

90.52%

92.03%

90.95%

74.79%

-10

-13

Interest

685

1,618

1,968

2,157

3,213

4,695

5,981

6,761

7,042

Depreciation

Profit before Tax

149

567

613

960

1,700

2,161

2,770

3,320

3,492

Tax %

0.00%

6.45%

26.16%

25.75%

26.09%

26.07%

26.01%

19.90%

21.92%

22.88%

22.90%

Net Profit

110

421

453

710

1,258

1,731

2,163

2,560

2,692

EPS

0.00

0.19

0.52

1.12

0.93

1.45

1.90

2.58

2.60

3.07

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

350

1,550

3,550

4,883

6,712

8,328

8,329

-25

108

695

1,149

1,858

3,791

5,521

11,602

14,146

3,098

15,485

25,601

31,601

41,492

53,745

69,160

82,109

1,03,823

Trade Payables

119

126

145

168

203

1,286

1,813

2,677

3,424

Total Liabilities

325

4,697

19,250

31,372

37,843

48,512

65,654

83,264

1,04,792

1,29,848

113

123

141

154

322

1,007

1,756

2,508

3,266

1,248

2,001

1,939

2,533

2,502

Cash & Bank

111

107

659

717

407

109

166

3,576

17,349

28,120

33,781

46,759

63,431

81,125

1,02,034

1,26,998

Total Assets

325

4,697

19,250

31,372

37,843

48,512

65,654

83,264

1,04,792

1,29,848

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-0

-3,359

-13,322

-10,116

-4,896

-12,238

-13,933

-14,600

-17,075

-19,895

Cash from Investing

-297

-634

-743

-694

-797

2,197

-611

-555

-798

-1,202

Cash from Financing

297

4,114

14,105

11,490

5,676

10,228

14,630

15,125

17,870

21,197

111

-4

552

-197

-55

-313

-30

-2

100

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Mar 2023

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

100.00

88.75

88.70

86.70

0.00

1.68

1.00

1.01

0.94

0.86

0.94

0.99

0.90

0.00

1.83

0.82

0.72

0.59

0.54

1.39

1.18

1.00

Government

0.00

Public

0.00

7.64

9.32

9.41

9.66

9.86

10.97

11.13

11.38

Bajaj Housing Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Bajaj Housing Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI