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]
Bajaj Housing Finance Limited (BHFL) is a non-deposit-taking Housing Finance Company and a wholly-owned subsidiary of Bajaj Finance Limited. It offers a range of mortgage-related products, including home loans, loans against property, and finance for developers, serving both individual and corporate clients.
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| S.No. | Name | Current Price (Rs.) | Price to Earning | Market 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 value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 97.45 | 34.39 | 81198.60 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.83 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1770.60 | 64.67 | 40135.55 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.46 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 539.90 | 5.38 | 29697.90 | 1.85 | 1349.37 | 1.62 | 7179.25 | 3.48 | 8.93 | 28804.92 | 93.85 | 5521.36 | 1349.25 | 0.77 | 1.80 | 7.08 |
| 4. | PNB Housing | 1003.90 | 11.91 | 26152.45 | 0.50 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.45 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 503.25 | 22.10 | 21830.80 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.16 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 287.65 | 17.08 | 14403.29 | 1.56 | 226.55 | 24.50 | 544.04 | 29.11 | 15.05 | 1998.39 | 84.25 | 843.33 | 226.55 | 3.09 | 7.42 | 1.57 |
| 7. | Sammaan Capital | 151.49 | 9.89 | 12553.42 | 0.00 | 308.47 | 111.17 | 2250.60 | -7.10 | 3.65 | 8774.88 | 74.43 | 1269.25 | 308.47 | 0.56 | -2.52 | 2.04 |
Figures in Cr.
| Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Sales
|
— | — | — | — | — | — | — | — | — | — | — |
|
YOY Sales Growth %
|
— | 25.83% | — | 25.26% | 18.43% | — | 25.94% | 25.62% | — | 26.09% | 14.3% |
|
Expenses
|
164 | 210 | 165 | 170 | 244 | 216 | 219 | 226 | 176 | 179 | 253 |
|
Material Cost %
|
— | — | — | — | — | — | — | — | — | — | — |
|
Employee Cost %
|
5.8% | 4.84% | 6.48% | 5.14% | 5.18% | 6.99% | 6.18% | 5.3% | 6.03% | 4.92% | 4.94% |
|
Operating Profit
|
— | — | — | — | — | — | — | — | — | — | — |
|
OPM %
|
— | — | — | — | — | — | — | — | — | — | — |
|
Other Income
|
0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 |
|
Exceptional items
|
— | — | — | — | — | — | — | — | — | — | — |
|
Other income normal
|
0.11 | 0.12 | 0.13 | 0.08 | 2.74 | 0.35 | 0.1 | 0.06 | 0.06 | 0.09 | 0.15 |
|
Interest
|
1,200 | 1,516 | 1,062 | 1,399 | 1,606 | 954 | 1,279 | 1,551 | 1,151 | 1,514 | 1,658 |
|
Depreciation
|
10 | 10 | 10 | 10 | 11 | 9 | 10 | 11 | 10 | 10 | 12 |
|
Profit before tax
|
572 | 713 | 526 | 630 | 757 | 407 | 488 | 720 | 575 | 708 | 833 |
|
Tax %
|
24% | 23% | 12% | 23% | 23% | 26% | 22% | 18% | 22% | 23% | 23% |
|
Net Profit
|
437 | 548 | 462 | 483 | 583 | 301 | 381 | 587 | 451 | 546 | 643 |
|
EPS in Rs
|
0.65 | 0.66 | 0.69 | 0.62 | 0.7 | 0.45 | 0.57 | 0.7 | 0.67 | 0.66 | 0.77 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|
|
Sales
|
— | — | — | — | — | — | — |
|
Sales Growth %
|
— | 19.22% | 19.4% | 50.39% | 34.47% | 25.71% | — |
|
Expenses
|
438 | 552 | 624 | 718 | 721 | 781 | 933 |
|
Material Cost %
|
— | — | — | — | — | — | — |
|
Raw material cost
|
— | — | — | — | — | — | — |
|
Change in inventory
|
— | — | — | — | — | — | — |
|
Manufacturing Cost %
|
0.22% | 0.28% | 0.43% | 0.52% | 0.2% | 0.18% | — |
|
Employee Cost %
|
9.4% | 7.8% | 9.28% | 7.7% | 6.15% | 5.1% | — |
|
Other Cost %
|
6.92% | 9.43% | 6.85% | 4.46% | 3.12% | 2.87% | — |
|
Operating Profit
|
— | — | — | — | — | — | — |
|
OPM %
|
— | — | — | — | — | — | — |
|
Other Income
|
-0 | 0 | -0 | 0 | -0 | -2 | 3 |
|
Exceptional items
|
-0.49 | -0.44 | -0.48 | -0.7 | -0.77 | -2.72 | — |
|
Other income normal
|
0.21 | 0.58 | 0.42 | 0.71 | 0.4 | 0.35 | — |
|
Interest
|
1,618 | 1,968 | 2,157 | 3,213 | 4,695 | 5,981 | 6,331 |
|
Depreciation
|
23 | 22 | 26 | 33 | 40 | 41 | 44 |
|
Profit before tax
|
567 | 613 | 960 | 1,700 | 2,161 | 2,770 | 3,022 |
|
Tax %
|
26% | 26% | 26% | 26% | 20% | 22% | — |
|
Net Profit
|
421 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,361 |
|
Exceptional items AT
|
-0 | -0 | -0 | -1 | -1 | -2 | — |
|
Profit excl Excep
|
422 | 454 | 710 | 1,258 | 1,732 | 2,165 | — |
|
Profit for PE
|
422 | 454 | 710 | 1,258 | 1,732 | 2,165 | — |
|
Profit for EPS
|
421 | 453 | 710 | 1,258 | 1,731 | 2,163 | — |
|
EPS in Rs
|
0.86 | 0.93 | 1.45 | 1.87 | 2.58 | 2.6 | 2.83 |
|
Dividend Payout %
|
0% | 0% | 0% | 0% | 0% | 0% | — |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|
|
Equity Capital
|
4,883 | 4,883 | 4,883 | 6,712 | 6,712 | 8,328 | 8,329 |
|
Reserves
|
702 | 1,149 | 1,858 | 3,791 | 5,521 | 11,619 | 12,852 |
|
Borrowings
|
— | — | — | — | — | — | — |
|
Long term Borrowings
|
— | — | — | — | — | — | — |
|
Short term Borrowings
|
— | — | — | — | — | — | — |
|
Lease Liabilities
|
— | — | — | — | — | — | — |
|
Other Borrowings
|
— | — | — | — | — | — | — |
|
Other Liabilities
|
187 | 226 | 293 | 406 | 464 | 790 | 735 |
|
Trade Payables
|
31 | 21 | 36 | 46 | 58 | 76 | 122 |
|
Advance from Customers
|
— | — | — | — | — | — | — |
|
Other liability items
|
156 | 205 | 257 | 360 | 407 | 714 | 613 |
|
Total Liabilities
|
31,372 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 | 1,15,976 |
|
Fixed Assets
|
86 | 79 | 97 | 113 | 123 | 141 | 144 |
|
Land
|
— | — | — | — | — | — | — |
|
Building
|
14.62 | 60.99 | 80.27 | 98.64 | 108.01 | 133.15 | — |
|
Plant Machinery
|
— | — | — | — | — | — | — |
|
Equipments
|
11.79 | 13.54 | 14.53 | 14.82 | 14.36 | 15.01 | — |
|
Furniture & fittings
|
— | — | — | — | — | — | — |
|
Vehicles
|
6.92 | 8.44 | 11.37 | 19.04 | 28.63 | 34.55 | — |
|
Intangible Assets
|
0 | 0 | 0 | 0 | 0 | 0 | 40.63 |
|
Other fixed assets
|
54.68 | 19.02 | 27.91 | 43.47 | 60.29 | 76.57 | — |
|
Gross Block
|
114.61 | 127.5 | 168.72 | 214.12 | 255.86 | 303.59 | — |
|
Accumulated Depreciation
|
28.83 | 48.61 | 71.52 | 101.13 | 133 | 163.02 | — |
|
CWIP
|
0 | 0 | 1 | 0 | 1 | 1 | 0 |
|
Investments
|
2,508 | 3,266 | 1,248 | 2,001 | 1,939 | 2,533 | 2,129 |
|
Other Assets
|
28,779 | 34,513 | 47,180 | 62,540 | 79,765 | 1,00,134 | 1,13,703 |
|
Inventories
|
— | — | — | — | — | — | — |
|
Trade receivables
|
118 | 311 | 2 | 2 | 13 | 22 | 27 |
|
Receivables under 6m
|
— | — | — | — | — | — | — |
|
Receivables over 6m
|
— | — | — | — | — | — | — |
|
Prow for Doubtful
|
— | — | — | — | — | — | — |
|
Cash Equivalents
|
659 | 717 | 407 | 109 | 64 | 62 | 140 |
|
Loans & Advances
|
— | — | — | — | — | — | — |
|
Other Assets items
|
— | — | — | — | — | — | — |
|
Total Assets
|
31,372 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 | 1,15,976 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
|
Cash from Operating Activity
|
-1,024 | -5,076 | -12,481 | -14,332 | -14,600 | -17,075 |
|
Profit from operations
|
89 | 1,030 | 700 | 1,572 | 2,157 | 2,986 |
|
Receivables
|
-0 | -2 | 4 | -0 | -11 | -9 |
|
Inventory
|
— | — | — | — | — | — |
|
Payables
|
1 | -6 | 32 | 44 | 21 | 40 |
|
Loans Advances
|
-1,076 | -5,698 | -13,257 | -15,585 | -17,047 | -20,088 |
|
Other WC items
|
-25 | -219 | 283 | 36 | 807 | 620 |
|
Working capital changes
|
-1,100 | -5,926 | -12,938 | -15,505 | -16,230 | -19,436 |
|
Direct taxes
|
-13 | -180 | -242 | -399 | -526 | -624 |
|
Cash from Investing Activity
|
-69 | -797 | 2,197 | -611 | -555 | -798 |
|
Fixed assets purchased
|
-3 | -15 | -29 | -34 | -43 | -41 |
|
Fixed assets sold
|
0 | 2 | 2 | 4 | 3 | 5 |
|
Investments purchased
|
-5,555 | -3,475 | -38,034 | -43,036 | -6,655 | -17,032 |
|
Investments sold
|
5,487 | 2,975 | 40,232 | 42,408 | 6,140 | 16,270 |
|
Interest received
|
1 | 31 | 27 | 46 | 0 | 0 |
|
Redeemp Cnce of Shares
|
— | — | — | — | — | — |
|
Acquisition of companies
|
— | — | — | — | — | — |
|
Other investing items
|
0 | -314 | 0 | 0 | 0 | 0 |
|
Cash from Financing Activity
|
1,149 | 5,676 | 10,228 | 14,630 | 15,125 | 17,870 |
|
Redemption of debentures
|
— | — | — | — | — | — |
|
Proceeds from borrowings
|
1,017 | 8,731 | 16,652 | 26,657 | 26,948 | 26,389 |
|
Repayment of borrowings
|
-18 | -3,027 | -6,923 | -14,173 | -11,818 | -13,874 |
|
Interest paid fin
|
— | — | — | — | — | — |
|
Dividends paid
|
— | — | — | — | — | — |
|
Financial liabilities
|
-1 | -8 | -11 | -14 | -14 | -14 |
|
Other financing items
|
0 | -20 | 0 | -341 | 0 | -192 |
|
Net Cash Flow
|
55 | -197 | -55 | -313 | -30 | -2 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
|
Debtor Days
|
— | — | — | — | — | — |
|
Inventory Days
|
— | — | — | — | — | — |
|
Days Payable
|
— | — | — | — | — | — |
|
Cash Conversion Cycle
|
— | — | — | — | — | — |
|
Working Capital Days
|
— | — | — | — | — | — |
|
ROCE %
|
— | — | — | — | — | — |
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