BAJAJHFL

Bajaj Housing Finance Limited

Bajaj Finserv's housing finance arm — home loans, loans against property, developer finance

Financial Services›Financial Services›Finance›Housing Finance Company

bajajhousingfinance.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹83.36
Market cap
69,431 Cr
Stock P/E
24.7
P/B
2.89
ROE (FY26)
11.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Bajaj Housing Finance (BHFL) is a housing finance company that lends to home buyers, property owners and developers through home loans, loans against property (LAP), lease rental discounting (LRD) and developer and construction finance.

Company snapshot

1stBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 23.0% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income713 Cr806 Cr823 Cr887 Cr956 Cr964 Cr945 Cr968 Cr1,055 Cr
Other income0.09 Cr0.12 Cr0.06 Cr3 Cr0.15 Cr0.11 Cr0.09 Cr0.03 Cr0.52 Cr
Net operating income713 Cr806 Cr823 Cr889 Cr957 Cr964 Cr945 Cr968 Cr1,056 Cr
Employee cost119 Cr119 Cr133 Cr136 Cr136 Cr142 Cr146 Cr156 Cr162 Cr
Other expenses52 Cr53 Cr61 Cr65 Cr63 Cr61 Cr58 Cr58 Cr61 Cr
Provisions & contingencies—————————
Depreciation10 Cr10 Cr11 Cr11 Cr12 Cr12 Cr13 Cr13 Cr13 Cr
Profit before tax708 Cr713 Cr720 Cr757 Cr833 Cr865 Cr866 Cr929 Cr980 Cr
Tax %22.9%23.1%18.5%22.9%22.8%23.1%22.7%23.0%22.7%
Net profit546 Cr548 Cr587 Cr583 Cr643 Cr665 Cr669 Cr715 Cr757 Cr
EPS (₹)₹0.69₹0.66₹0.70₹0.70₹0.77₹0.80₹0.80₹0.86₹0.91

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———3,007 Cr3,752 CrSign in free for the trailing twelve months
Other income0.42 Cr0.71 Cr0.40 Cr0.35 Cr3 CrSign in free for the trailing twelve months
Net operating income0.42 Cr0.71 Cr0.40 Cr3,007 Cr3,755 CrSign in free for the trailing twelve months
Employee cost349 Cr435 Cr466 Cr484 Cr559 CrSign in free for the trailing twelve months
Other expenses92 Cr148 Cr186 Cr210 Cr247 CrSign in free for the trailing twelve months
Provisions & contingencies—————Sign in free for the trailing twelve months
Depreciation26 Cr33 Cr40 Cr41 Cr47 CrSign in free for the trailing twelve months
Profit before tax960 Cr1,700 Cr2,161 Cr2,770 Cr3,320 CrSign in free for the trailing twelve months
Tax %26.1%26.0%19.9%21.9%22.9%Sign in free for the trailing twelve months
Net profit710 Cr1,258 Cr1,731 Cr2,163 Cr2,560 CrSign in free for the trailing twelve months
EPS (₹)₹1.50₹1.90₹2.60₹2.67₹3.07Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital4,883 Cr6,712 Cr6,712 Cr8,328 Cr8,329 Cr
Reserves1,858 Cr3,791 Cr5,521 Cr11,619 Cr14,194 Cr
Borrowings———82,072 Cr1,03,704 Cr
Other liabilities41,786 Cr54,151 Cr69,594 Cr790 Cr920 Cr
Total liabilities48,527 Cr64,654 Cr81,827 Cr1,02,809 Cr1,27,147 Cr
Fixed assets (net)78 Cr85 Cr88 Cr100 Cr111 Cr
CWIP1 Cr0.31 Cr0.87 Cr0 Cr0 Cr
Investments———2,533 Cr2,502 Cr
Loans & advances———99,513 Cr1,23,745 Cr
Trade receivables2 Cr2 Cr13 Cr22 Cr28 Cr
Cash & bank407 Cr94 Cr64 Cr62 Cr162 Cr
Other assets48,039 Cr64,473 Cr81,662 Cr579 Cr599 Cr
Total assets48,527 Cr64,654 Cr81,827 Cr1,02,809 Cr1,27,147 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-12,481 Cr-14,332 Cr-15,428 Cr-17,075 Cr-19,895 Cr
Cash from investing2,197 Cr-611 Cr273 Cr-798 Cr-1,202 Cr
Cash from financing10,228 Cr14,630 Cr15,125 Cr17,870 Cr21,197 Cr
Net cash flow-55 Cr-313 Cr-30 Cr-2 Cr100 Cr
Free cash flow (OCF − Capex)-12,508 Cr-14,362 Cr-15,468 Cr-17,116 Cr-19,943 Cr

Ratios

MetricMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10.5%12.0%14.2%10.8%11.4%
Debt / equity———4.114.60