| Revenue growth | Net Total Income up 15% YoY; Interest income up 17% YoY. |
|---|---|
| Margins | Gross spread 1.8%; NIM 3.7%; COF reduced 17 bps sequentially. |
| Order book | AUM mix: Home Loans 53.9%, LRD 24.0%, Developer Finance 10.7%. |
| Demand visibility | Strong; disbursements up 25% YoY to ₹19,935 Cr. |
| Management confidence | High; citing milestone AUM and improved ROE of 12.7%. |
Growth
AUM grew 25% YoY to ₹1,58,205 Cr; PAT increased 18% YoY to ₹757 Cr; NTI rose 15% YoY to ₹1,254 Cr.
Outlook
Focus on scalable balance sheet via anchor products. Target Sambhav (Affordable) monthly disbursement run rate of 600+ Cr in next 6 months.
Risks
Minimal; GNPA at 29 bps. Note 2 bps sequential NIM moderation and slight portfolio yield reduction of 10 bps.
Last quarter's promises, checked
Delivered
- Guided 14-15% Opex to NTI → delivered 19.1% (= MISS)
- Focus on LRD scale builder → delivered 39% AUM growth (= BEAT)
- Guided 2.0-2.2% ROA → delivered Q2 annualized ROA ~1.9% (= MISS)
Missed
- Guided GNPA of 40-60 bps → delivered 29 bps (= BEAT on asset quality)
- Maintain 10-12% LAP mix → delivered 11.4% DF/LAP (= PARTIAL)
- Guided Home Loan market share increase to 5% → result current 2.5-2.7% (= MISS)
Investor Presentation filed with NSE, NSE: BAJAJHFL. Summary written with AI assistance from the document.
Bajaj Housing Finance Ltd: key numbers
- Share price
- ₹77.48
- Market cap
- ₹64,559 Cr
- Revenue (annual)
- ₹11,147 Cr
- Net profit (annual)
- ₹2,560 Cr
- P/E (TTM)
- 23.0×Sector 19.7×
- 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 Management Change
Bajaj Housing Finance's CFO Gaurav Kalani resigned from CFO, CSO and KMP roles, effective close of business January 22, 2027. The filing is a Regulation 30 management change disclosure.
Bajaj Housing Finance Q2 FY27 Results: Net Profit ₹757 Cr, Up 17.7% YoY
Bajaj Housing Finance Ltd reported revenue from operations of ₹3,251 Cr (+18.3% YoY) and net profit of ₹757 Cr (+17.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹757 Cr · +17.7% YoY
Bajaj Housing Finance Other Announcement
Bajaj Housing Finance submitted the Regulation 74(5) certificate for the quarter ended 30 September 2026, confirming compliance with depository participant regulations.
Bajaj Housing Finance Debt & Borrowing: ₹2,439 Cr
Bajaj Housing Finance allotted 2,50,000 NCDs aggregating ₹2,439.29 crore on private placement basis. The secured debentures carry a 7.87% coupon with maturity in August 2036.
- Value
- ₹2,439 Cr
Bajaj Housing Finance Board Meeting Date
Bajaj Housing Finance Ltd will hold a board meeting on 16 October 2026 to consider and approve its unaudited standalone financial results for Q2 FY27.
Bajaj Housing Finance Business Update
Bajaj Housing Finance provided provisional operational updates for Q2 FY27, reporting gross disbursements of ₹19,930 crore and assets under management of ₹1,58,190 crore.