BAJAJHFL · Bajaj Housing Finance Ltd · Consumer Financial Services
BAJAJHFL · Bajaj Housing Finance Ltd · Consumer Financial Services
As of 06 Nov close
52-week range
27.7% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 53 days old
Revenue (latest Q)
₹3,040 Cr
Revenue YoY
PAT YoY
+22.6%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
3.1
P/S (TTM)
6.1
Sector P/E
25.4
Dividend yield
0.0%
No peer comparison data on file for BAJAJHFL.
Promoter
stable
FII
falling 1q
MF
0.28% (-0.07pp)
falling 2q
Insider trades
| Date | Insider | Type | Qty | Value |
|---|---|---|---|---|
| 25 Sept 2026 | Gaurav Kalani | BUY | 2,04,435 | ₹1.11 Cr |
| 25 Sept 2026 | Gaurav Kalani | SELL | 2,11,711 | ₹1.74 Cr |
| 02 Dec 2025 | Bajaj Finance Limited | SELL | 16,66,00,000 | ₹1,585 Cr |
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
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Concalls & investor presentations
AI-generatedKey takeaway: During the earnings conference call for Q1 FY27, management reported strong performance metrics, including a 33% increase in disbursements and a 24% rise in assets under management (AUM) year-over-year. The profit after tax (PAT) grew by 23%, with a stable return on assets (ROA) of 2.3% and an improved return on equity (ROE) of 12.5%. The company maintained healthy asset quality, with gross non-performing assets (GNPA) at 29 basis points and net non-performing assets (NNPA) at 12 basis points. Management highlighted the implementation of AI initiatives to enhance operational efficiency and customer experience. They also provided guidance for FY27, projecting a moderation in net interest margin (NIM) by 20-25 basis points and a stable operating efficiency ratio of 19-20%. Overall, the management expressed confidence in maintaining asset quality and profitability despite external economic factors.
Management emphasized strong growth and operational improvements during the quarter.
Sourced from an exchange-filed transcript, dated 04 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: During the earnings conference call held on April 27, 2026, management reported a strong performance for Q4 FY26, with AUM growth of 23%, reaching over INR 140,000 crores. Profit Before Tax (PBT) increased by 20%, while Profit After Tax (PAT) rose by 14%, with normalized PAT growth also at 20% when excluding a one-time tax benefit from the previous year. The company maintained stable asset quality, with Gross Non-Performing Assets (GNPA) at 27 bps and Net NPA at 11 bps. The cost of funds decreased by 60 bps year-on-year to 7.3%. Management highlighted a diversified borrowing mix and a focus on organic growth, particularly in home loans and the Sambhav housing initiative, which achieved significant monthly disbursements. Overall, the company expressed confidence in its operational efficiency and growth strategy despite competitive pressures in the market.
Management highlighted strong growth metrics and stable asset quality.
Sourced from an exchange-filed transcript, dated 04 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Bajaj Housing Finance Limited reported a strong performance for Q3 FY'26 during its earnings conference call held on February 2, 2026. Management highlighted that the company's Assets Under Management (AUM) reached Rs. 1.33 lakh crore, reflecting a 23% year-over-year growth, driven by robust disbursements of Rs. 16,545 crores, which grew 32% year-over-year. Profit After Tax (PAT) increased by 21% to Rs. 665 crores, with an annualized Return on Assets (ROA) of 2.3% and Return on Equity (ROE) of 12.3%. The company maintained healthy asset quality, with Gross Non-Performing Assets (GNPA) at 27 bps and Net Non-Performing Assets (NNPA) at 11 bps. Management also discussed the diversification of its portfolio and the introduction of the Sambhav loans segment, which aims to enhance customer reach and yield. The call concluded with a Q&A session addressing various operational and market-related queries.
Management emphasized strong growth metrics and healthy asset quality.
Sourced from an exchange-filed transcript, dated 07 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedBajaj Housing Finance Limited (BAJAJHFL) reported an Assets Under Management (AUM) of ₹1,40,000 crore as of FY2025-26, operating as an Upper Layer NBFC under RBI regulations. The company plans to issue Non-convertible Debentures (NCDs) up to ₹1,50,000 crore, subject to member approval. Key risks include disputed GST and income tax claims, with pending appeals. The company has no defaults on loan repayments and maintains robust risk management frameworks, including a Risk Management Committee and ESG initiatives. The auditors' report noted significant judgment in estimating credit loss allowances, highlighting uncertainties in loan asset valuations.
- AUM crossed ₹1,40,000 crore in FY2025-26.
- Proposed NCD issuance up to ₹1,50,000 crore with member approval.
- Disputed GST and income tax claims under appeal, no defaults on loan repayments.
- Robust risk management with a dedicated Risk Management Committee.
- Auditors highlighted uncertainties in credit loss allowance estimates.
Key takeaway: BAJAJHFL shows strong growth with AUM of ₹1,40,000 crore but faces risks from disputed tax claims and credit loss estimation uncertainties.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Default / Covenant Breach (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
In FY2024, BSE levied a fine of ₹10,000 for delayed compliance under Regulation 60(2) of the SEBI Listing Regulations, pertaining to Record Date Intimation for ISIN ‑ INE377Y07318. The company has paid the fine.
Earlier (1-3 years ago)
The company remitted a penalty of ~ ₹1.73 lakh imposed by Deputy Commissioner of State Tax Maharashtra GST during FY2025 due to incorrect reduction of outward liability by raising credit notes where GST credit was not reversed by customers.
Default / Covenant Breach
1 occurrenceEarlier (1-3 years ago)
A proceeding is pending under the Insolvency and Bankruptcy Code, 2016 against the Company.
Routine disclosures
Contingent Liability
2 occurrencesRecent (last 12 months)
The company has contingent liabilities not provided for, including disputed claims, bank guarantees, GST matters under appeal, credit notes reported in GST returns, and income tax matters with pending appeals. The company disputes these claims and expects to succeed in its appeals, but cannot estimate the timing of cash flows related to these pending proceedings.
Earlier (1-3 years ago)
The company has disputed claims, bank guarantees, and pending GST and income tax appeals which are contingent liabilities not provided for, with amounts not specified.
Related-Party Transaction
2 occurrencesRecent (last 12 months)
The company has material related party transactions with Bajaj Finance Limited, including the transfer of loans and loan pools, availing of loans, and inter-company services, totaling INR 18,152 crore, which require shareholder approval at the upcoming AGM.
Earlier (1-3 years ago)
The company seeks member approval for transactions with BFL, a related party, up to ₹12,612 crore, exceeding the 10% turnover threshold of ₹957.6 crore.
Statutory dues in dispute
1 occurrenceRecent (last 12 months)
The company has disputed amounts for Goods and Service Tax Act, 2017 and Income Tax Act, with disputes pending before the Office of Joint Commissioner (Appeals), Maharashtra, relating to FY 2020-21.