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Bajaj Housing Finance Ltd

₹ 97.00.00%
04 Dec 10:46 a.m. – close price
🔗bajajhousingfinance.in•BSE: 544252•NSE: BAJAJHFL
Market Cap₹ 80,865 Cr.
Current Price₹ 97.0
High / Low₹ 148
Stock P/E34.3
Book Value₹ 25.4
Dividend Yield0.00 %
ROCE9.55 %
ROE13.5 %
Face Value₹ 10.0
Sales₹ 10,327 Cr.
OPM91.0 %
Mar Cap₹ 80,865 Cr.

ABOUT

Founded in 2008, Bajaj Housing Finance is a non-deposit-taking Housing Finance Company (HFC) registered with the National Housing Bank (NHB) since 2015 and has been offering mortgage loans.[1]It is a 100% subsidiary of Bajaj Finance Limited — one of the most diversified NBFCs in the Indian market. BHFL offers finance to individuals as well as corporate entities for the purchase and renovation of homes, or commercial spaces. It also provides loans against property for business or personal needs as well as working capital for business expansion purposes. BHFL also offers finance to developers engaged in the construction of residential and commercial properties as well as lease rental discounting to developers and HNIs.[2]

KEY POINTS

Market Leadership[1]BHFL is the2nd largestHousing Finance Company (HFC) within just seven years of starting its mortgage operations. As of March 2024, it is the8th largest NBFC- Upper Layer by AUM and2nd most profitable HFC.In FY2024 and Q1FY2025, BHFL recorded the2nd highestloan disbursement among HFCs, with the2nd highestAUM per branch and employee among large HFCs.

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Bajaj Housing97.0534.2680865.270.00642.9617.842754.8514.309.5510327.3890.962360.96642.963.822.354.44
2.Piramal Finance.1511.5055.2134262.310.00326.99150.222871.5521.427.7310150.2058.14620.66407.791.270.602.61
3.LIC Housing Fin.550.955.5130305.721.821349.371.627179.253.488.9328804.9293.855521.361349.250.781.807.08
4.PNB Housing892.8010.5723258.220.56626.4932.822167.9116.089.468184.4993.962196.76626.491.282.523.62
5.Aadhar Hsg. Fin.484.1021.2520987.790.00266.4717.12897.1317.3811.423375.5376.35987.93266.473.024.312.55
6.Aptus Value Hou.280.0016.6314020.231.61226.5524.50544.0429.1115.051998.3984.25843.33226.553.007.421.57
7.Sammaan Capital154.8010.1512823.030.00308.47111.172250.60-7.103.658774.8874.431269.25308.470.57-2.522.04
–Median: 16 Co.442.7715.8311819.970.45195.2424.75605.5314.989.822262.9677.97611.96195.241.532.442.67

Quarterly Results

Standalone figures in ₹ crores

Dec 2023Dec 2024Jun 2023Jun 2024Jun 2025Mar 2023Mar 2024Mar 2025Sep 2023Sep 2024Sep 2025
Sales
–––––––––––
Expenses
164210165170244216219226176179253
Operating Profit
–––––––––––
Other Income
00003000000
Profit before tax
572713526630757407488720575708833
Tax %
24%23%12%23%23%26%22%18%22%23%23%
Net Profit
437548462483583301381587451546643
EPS in Rs
0.650.660.690.620.700.450.570.700.670.660.77

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
–––––––
Expenses
438552624718721781933
Operating Profit
–––––––
Other Income
-00-00-0-23
Interest
1,6181,9682,1573,2134,6955,9816,331
Depreciation
23222633404144
Profit before tax
5676139601,7002,1612,7703,022
Net Profit
4214537101,2581,7312,1632,361
EPS in Rs
0.860.931.451.872.582.602.83
Dividend Payout %
0%0%0%0%0%0%–

Compounded Profit Growth

10 Years:%
5 Years:39%
3 Years:45%
TTM:28%

Compounded Sales Growth

10 Years:%
5 Years:29%
3 Years:36%
TTM:21%

Return on Equity

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

Stock Price CAGR

10 Years:%
5 Years:%
3 Years:%
1 Year:-34%

Balance Sheet

Standalone figures in ₹ crores

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
4,8834,8834,8836,7126,7128,3288,329
Reserves
7021,1491,8583,7915,52111,61912,852
Borrowings
–––––––
Other Liabilities
187226293406464790735
Total Liabilities
31,37237,85848,52764,65481,827102,809115,976
Fixed Assets
867997113123141144
Gross Block
114.61127.50168.72214.12255.86303.59–
Accumulated Depreciation
28.8348.6171.52101.13133.00163.02–
CWIP
0010110
Investments
2,5083,2661,2482,0011,9392,5332,129
Other Assets
28,77934,51347,18062,54079,765100,134113,703
Total Assets
31,37237,85848,52764,65481,827102,809115,976

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
-1,024-5,076-12,481-14,332-14,600-17,075
Cash from Investing Activity
-69-7972,197-611-555-798
Cash from Financing Activity
1,1495,67610,22814,63015,12517,870
Net Cash Flow
55-197-55-313-30-2

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
––––––
Inventory Days
––––––
Days Payable
––––––
Cash Conversion Cycle
––––––
Working Capital Days
––––––
ROCE %
––––––

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
88.75%88.75%88.75%88.70%88.70%
FIIs
1.68%1.11%1.12%1.04%0.91%
DIIs
1.83%0.82%0.72%0.59%0.54%
Public
7.63%9.32%9.40%9.61%9.81%

* The classifications might have changed from Sep'2022 onwards.ℹ️

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

SBICAP Securities Morning Update: Market Subdued, Key Corporate Actions Including Tax Orders, Funding Deals, and IPOs

3rd December 2025, 12:00 AM

Bajaj Housing Finance Schedules Analyst/Institutional Investor Meeting for December 5, 2025

1st December 2025, 6:30 PM

Bajaj Housing Finance: Promoter Bajaj Finance to Sell Up to 2% Stake for Minimum Public Shareholding Compliance

1st December 2025, 3:28 PM

Bajaj Housing Finance Allots ₹504.48 Cr NCDs on Private Placement

13th November 2025, 1:13 PM

Bajaj Housing Finance Q2 FY26: 24% AUM Growth, 18% PAT Rise; Management Navigates Competition and Margin Pressures

12th November 2025, 4:07 PM

Published by Other Websites

External media mentions & references

Bajaj Housing Finance shares are at a 52-week low, but has the stock made a bottom?

4th December 2025, 5:27 AM

Bajaj Housing Finance share price: Should buy below Rs 100? Analyst's take

3rd December 2025, 7:34 AM

Stocks to watch on Dec 3: RPP Infra LOA, Bikaji US investment, India Cements divestment; big bulk deals in Bajaj Housing Finance, Rallis India

3rd December 2025, 1:43 AM

Bajaj Finance raises Rs 1,588 crore by selling nearly 2% stake in Bajaj Housing Finance

2nd December 2025, 11:15 AM

Markets end in the red: Nifty slips below 26,100, Sensex falls 400 points as financials drag – Key highlights

2nd December 2025, 10:36 AM

News Articles

Editorial & research coverage

Bajaj Housing Finance share price: Should buy below Rs 100? Analyst's take
Bajaj Housing Finance share price: Should buy below Rs 100? Analyst's take

3rd December 2025, 7:34 AM

Markets end in the red: Nifty slips below 26,100, Sensex falls 400 points as financials drag – Key highlights
Markets end in the red: Nifty slips below 26,100, Sensex falls 400 points as financials drag – Key highlights

2nd December 2025, 10:36 AM

Bajaj Housing Finance stock price: Share tumbles 9% to hit 52-week low; here's what triggered the fall
Bajaj Housing Finance stock price: Share tumbles 9% to hit 52-week low; here's what triggered the fall

2nd December 2025, 6:40 AM

Markets muted: Nifty is struggling around 26,100 and the Sensex is down 130 points; Financials under pressure
Markets muted: Nifty is struggling around 26,100 and the Sensex is down 130 points; Financials under pressure

2nd December 2025, 3:59 AM

Bajaj Housing Finance block deal ALERT: Promoter Bajaj Finance to trim stake; check floor price
Bajaj Housing Finance block deal ALERT: Promoter Bajaj Finance to trim stake; check floor price

1st December 2025, 1:53 PM

Documents

Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Please Find Attached Herewith Intimation With Respect To Proposed Sale Of Equity Shares Of The Company In The Open Market Held By The Promoters For Achieving Minimum Public Shareholding

2d - Bajaj Finance to sell up to 2% (166,600,000 shares) from Dec 2, 2025–Feb 28, 2026 to meet public-holding.

Announcement under Regulation 30 (LODR)-Issue of Securities

13 Nov - Allotted 50,000 secured NCDs aggregating Rs.504.4835 crore on 13-Nov-2025; 7.10% p.a.; maturity 16-Oct-2028.

Announcement under Regulation 30 (LODR)-Earnings Call Transcript

12 Nov - Transcript of earnings call held in respect of the financial results for the quarter ended 30 September 2025.

Submission Of Half-Yearly Report For FY 2025-26

10 Nov - H1 FY26: AUM ₹1,26,749 crore; PAT ₹1,226 crore; GNPA 0.26%; outlook AUM growth 21–23%

Annual Reports

Financial Year 2025

(from bse)

Credit Ratings

Rating update

5 Aug from crisil

Rating update

9 Jun from crisil

Rating update

6 Jun from crisil

Rating update

29 May from crisil

Rating update

2 Apr from crisil

Rating update

21 Jan from fitch

Concalls

Nov 2025

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Jul 2025

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Apr 2025

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Jan 2025

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Oct 2024

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Oct 2024

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