Bajaj Housing Finance Ltd.
•Add ratio to table
ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- 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%
CONS
- Promoter holding has decreased over last 2 years: -13.3pp
- Company has a low return on capital employed of 3.4%
- Company has a low return on equity of 1.9% over last 3 years
- Equity base is being diluted - shares outstanding up 16804.8%
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.34 | 674.68 | 70274.91 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2286.40 | 32.07 | 54103.15 | 0.48 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 174.05 | 8.19 | 34843.07 | 3.48 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| PNBHOUSING | 1182.05 | 13.32 | 30828.33 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| LICHSGFIN | 537.05 | 5.15 | 29541.13 | 1.86 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| AADHARHFC | 462.05 | 17.75 | 20247.34 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 149.75 | 0.00 | 17439.24 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| HOMEFIRST | 1209.90 | 21.76 | 12650.65 | 0.43 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| APTUS | 252.40 | 12.84 | 12640.96 | 1.78 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| CANFINHOME | 781.85 | 9.22 | 10410.69 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1288.30 | 20.82 | 10215.49 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 674.20 | 14.63 | 7360.06 | 1.48 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|
| 0 | 4 | 107 | 1,149 | |
| 7 | 3 | 48 | 315 | |
| Operating Profit | -7 | 1 | 59 | 834 |
| OPM % | -2095.51% | 25.41% | 55.25% | 72.60% |
| 0 | 0 | 0 | 1 | |
| Interest | 0 | 0 | 47 | 685 |
| Depreciation | 0 | 0 | 0 | 7 |
| Profit before Tax | -7 | 1 | 12 | 143 |
| Tax % | -0.00% | 9.09% | 2.96% | 27.19% |
| Net Profit | -7 | 1 | 12 | 104 |
| EPS | -3.30 | 0.02 | 0.22 | 0.50 |
| Dividend Payout % | — | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 1446%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -25%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 2%
- Last Year:
- 4%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|
| Equity Capital | 21 | 350 | 1,550 | 3,550 |
| -9 | -25 | 6 | 108 | |
| 0 | 0 | 3,098 | 15,485 | |
| Trade Payables | 2 | 0 | 36 | 49 |
| 4 | 0 | 14 | 57 | |
| Total Liabilities | 18 | 326 | 4,704 | 19,249 |
| 2 | 2 | 3 | 38 | |
| 12 | 323 | 1,014 | 1,756 | |
| 0 | 0 | 0 | 0 | |
| Cash & Bank | 3 | 0 | 111 | 107 |
| 1 | 0 | 3,576 | 17,348 | |
| Total Assets | 18 | 326 | 4,704 | 19,249 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|
| -6 | -0 | -3,359 | -13,322 | |
| Cash from Investing | 4 | -297 | -633 | -742 |
| Cash from Financing | 4 | 297 | 4,114 | 14,105 |
| 2 | 0 | 111 | -4 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 2,00,000 Non-Convertible Securities
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 - Bajaj Housing Finance Limited has informed the Exchange regarding change in Registered Office of the company.
2026-08-20 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 75000 Non-Convertible Debentures
2026-08-19 - Bajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meeting
2026-08-18 - Bajaj Housing Finance Limited has informed the Exchange about Investor Presentation
2026-08-17 - Bajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meeting
2026-08-11 - Bajaj Housing Finance Limited has informed the Exchange about ESG Rating received from CRISIL ESG Ratings & Analytics Limited
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
Loading news…
AI Stock Analyst
Bajaj Housing Finance Ltd.
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account