NSE: BAJAJHFL · BSE: 544252 · ISIN INE377Y01014
Bajaj Housing Finance Limited stock analysis
Bajaj Housing Finance Limited ranks #2366 in the TickerSutra evidence-ranked universe with a score of 47/100 and 89% data confidence. The latest captured fundamentals show ROCE of 8.8%, quarterly sales growth of 17.1% and quarterly profit growth of 22.6%.Avoid / exit review
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- 25.3% three-year sales CAGR
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹3,767cr | ₹986cr | ₹710cr | 26.0% |
| 2023 | ₹5,665cr | ₹1,733cr | ₹1,258cr | 31.0% |
| 2024 | ₹7,617cr | ₹2,201cr | ₹1,731cr | 29.0% |
| 2025 | ₹9,554cr | ₹2,814cr | ₹2,163cr | 29.0% |
| 2026 | ₹11,150cr | ₹3,381cr | ₹2,560cr | 30.0% |
| TTM | ₹11,604cr | ₹3,554cr | ₹2,692cr | 31.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
Bajaj Housing Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
RoutineBajaj Housing Finance Ltd - 544252 - Announcement under Regulation 30 (LODR)-AllotmentBSE · 25 Sept 2026Allotment of Secured Redeemable Non-Convertible Debentures on private placement basis
RoutineAllotment of SecuritiesNSE · 25 Sept 2026Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 81,500 Non-Convertible Securities
RoutineAnalyst/Investor Meet Para A-XBRLNSE · 21 Sept 2026 · Structured filingBAJAJ HOUSING FINANCE LIMITED has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
BAJAJ HOUSING FINANCE LIMITED has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
Open original XBRL sourceBajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meet
MANAGEMENT COMMENTARY
Signals from filed documents
• Adverse real estate market: Increase in inventories or vacancy levels or sharp decline in property prices impacting credit offtake as well as delinquency. Opportunities • Market share gain: The Company’s existing market share in housing loans portfolio provides significant headroom for growth amidst improving housing loans to GDP ratio of the country. • Scaling newly launched products: Investment in Sambhav, the ne
I understand there is maybe the incremental investments which are happening on near-prime and affordable, but still wouldn't that improve a bit and get towards the range of our medium-term guidance? So nothing visible during this fiscal in terms of the improvement of opex to NTI or operating leverage? Atul Jain: So Kunal, it would be sideways because there are two parts to the opex to NIM equation.
Overall, the policy rate reduced from 6.25% to 5.25%. Though policy rate cuts were intended for consumption and liquidity boost, this decreasing interest rate scenario also intensified margin pressure for floating interest rate linked loans, primarily for housing industry which was already witnessing heightened competition and aggressive pricing from banking sector. Industry Overview The Real Estate Sector and Housin
On a Y-o-Y basis, it increased from $11.3 Bn in Q3 FY2025. Imports witnessed growth of 8.6% to $205.3 billion; exports grew 1.7% to $111.7 billion; and net services receipts were at $57 .5 billion as against $51.2 billion a year earlier. During first nine months of FY2026, the consumer price index ( CPI ) remained well below 3.5%.
We always believe regulators are there to improve the market or set right any , let us say any imperfections or any pattern what they see which is not in rightful interest of a long - term development of the market or in customer interest. Now there are certain practices on which we or any other company can get impacted, but from the spirit of regulators whether earlier when what you are calling out or now, we don't
• Completeness and accuracy of the staging of the loans and the underlying data based on which the ECL estimates have been computed. • Evaluating the adequacy of the adjustment after stressing the inputs used in determining the output as per the ECL model to ensure that the adjustment was in conformity with the overlay amount approved by the Audit Committee of the Company. 2 Information Technology (IT) Systems and Co
In the commercial product suite, the Company offers lease rental discounting ( LRD ) on commercial, retail, warehousing and industrial properties to commercial clients spanning across developers, high net worth individuals ( HNI ) and corporates; and its developer financing ( DF) product covers both residential as well as commercial construction finance offering to real estate developers. This product suite covers th
Distribution of shareholding Table 1 gives details about the pattern of shareholding across various categories as on 31 March 2026, while Table 2 gives the data according to size class. 107 Financial Statements Statutory Reports Corporate Overview Table 1: Distribution of shareholding across various categories as on 31 March 2026: Category % to Capital Promoters & Promoter Group 86.70 Mutual Funds 0.35 Foreign Instit
On the margin front and the guidance I understand that incrementally you are guiding for only say another five bps or seven bps kind of a margin compression. Given that our cost of fund should be on a sequential basis lower plus the margin guidance that we have basically is at a total income level which also includes the DA income and given that our share of DA has been increasing, I was just expecting that shouldn't
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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