Bajaj Housing Finance share price
NSE: BAJAJHFLBSE: 544252FinanceMid Cap
Bajaj Housing Finance Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Sep 2024 · Issue price ₹70
Last close ₹77.64down ₹0.94 (1.20%)BSE ₹77.73
Share price at the NSE close on 27 Oct 2026. Previous close ₹78.58.
27 Oct: open ₹78.57, high ₹79.35, low ₹77.15
52-week range of traded prices to 27 Oct 2026
₹72.65Low, 30 Mar 2026₹112.40High, 30 Oct 2025
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹64,692 Cr147th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 23.05
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 2.69
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 12.4%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 3.29%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 7.28%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 0.17%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 2.23%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 5.41times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 39,52,58759.1% delivered
About Bajaj Housing Finance
Bajaj Housing Finance Limited is a housing finance company in India, a lender that specialises in loans secured on property and does not take deposits from the public.1 It lends to salaried, self-employed and professional people buying homes or borrowing against property, and to developers, companies and wealthy individuals that build or own homes, offices, shops, warehouses and industrial property.2
Its main products are home loans; loans against property (loans secured on a property the borrower already owns); lease rental discounting (loans to owners of rented commercial property, repaid from the rent); and developer finance (loans to builders for residential and commercial construction).2 Separate teams serve prime retail borrowers; near prime and affordable borrowers (those just below the top credit grade, and lower-income home buyers), under the Sambhav name; and commercial clients.3 It also sells life, general and health insurance as a registered corporate agent.4 At the end of June 2026 it had 224 branches in 182 locations, and at the end of March 2026, 2,052 permanent employees.56
It was incorporated in 2008, registered with the National Housing Bank, which supervises housing finance companies, in September 2015, and began lending in July 2017.78 Its shares were listed on the National Stock Exchange and BSE on 16 September 2024.1 The Reserve Bank of India classifies it as an upper layer non-bank lender, the group it regulates most closely, and it has no subsidiaries.19
Bajaj Finance Limited is its holding company and Bajaj Finserv Limited its ultimate holding company.10
Bajaj Housing Finance key points
Results
- Net total income (interest earned less interest paid, plus fees and other income) rose 16% to ₹1,175 crore in the quarter to Jun 2026, and profit before tax 23% to ₹929 crore from ₹757 crore.11
- Profit after tax rose 23% to ₹715 crore from ₹583 crore a year earlier; annualised return on assets held at 2.3% and return on equity (profit as a share of shareholders' funds) rose to 12.5% from 11.6%.12
- In the year to Mar 2026, total income rose 17% to ₹11,151 crore from ₹9,554 crore, net total income 23% to ₹4,391 crore, profit before tax 20% to ₹3,320 crore and profit after tax 18% to ₹2,560 crore.1314
- At the end of June 2026, gross non-performing assets (loans whose borrowers have stopped repaying) were 29 basis points (hundredths of a percent) of loans, 12 after provisions; annualised credit cost was 5 basis points.15
Market position
- The company says it is India's second largest housing finance company by assets under management (the loans it manages), and the largest that does not take deposits.16
Loan book and deposits
- Assets under management were ₹1.496 lakh crore at the end of June 2026, up 24% from a year earlier.1718
- Share of assets under management by product, end of June 202619Over the year, home loans grew 20%, lease rental discounting 41%, developer finance 19% and loans against property 22%.
Item quarter to Jun 2026 Home loans 54.1% Lease rental discounting 23.1% Developer finance 11.4% Loans against property 10.3% - Loans disbursed in the quarter to Jun 2026 were ₹19,509 crore, up 33% from ₹14,651 crore a year earlier.1720
Customers and partners
- Salaried and professional customers made up 84% of the home loan portfolio at the end of March 2026; the average home loan was ₹48.4 lakh and the average customer salary ₹15 lakh.21
- Self-employed customers make up 79% of loans against property, where the average loan is ₹88 lakh; about 70% of that book is secured on homes the owners live in.22
- Sovereign wealth funds, REITs (listed trusts that own rented property), private equity and multinational funds, large corporates and large commercial developers make up some 67% of the lease rental discounting book, where the average loan is ₹126 crore.23
Near prime and affordable loans
- Sambhav lent about ₹450 crore to ₹465 crore a month in the quarter to Jun 2026, against ₹410 crore to ₹425 crore in the quarter before.24
- Sambhav operates in 73 urban and 72 rural locations, and about 65% of its customers have a credit bureau score (a rating of past repayment) above 750.25
- Affordable loans make up 33% to 36% of the Sambhav loan book; the average affordable loan is close to ₹18 lakh.26
Borrowings and credit ratings
- In the quarter to Jun 2026, 52% of borrowings came from money market instruments (bonds and short-term debt sold to investors), 38% from banks and 10% from National Housing Bank refinance (loans it makes to lenders against their home loans).27
- In the same quarter its loans yielded 8.9% and its borrowings cost 7.2%, a gross spread (yield less cost) of 1.7%.28
- As of its annual report for the year to Mar 2026, CRISIL and India Ratings rated its long-term debt AAA/Stable and its short-term debt A1+.29
What the company expects
- On its earnings call of 29 Jul 2026, the company said it expects its net interest margin (interest earned less interest paid, as a share of assets) to narrow by 20 to 25 basis points in the year to Mar 2027.30
- The company said it expects operating costs of 19% to 20% of net total income for the year, against 21.2% a year earlier and 19.6% in the quarter to Jun 2026.3132
- The company said on the same call that it expects gross non-performing assets of 30 to 35 basis points, credit costs (loan losses as a share of loans) of 10 to 15 basis points and return on assets of 2.1% to 2.3% for the year.33
- In its presentation of 11 May 2026, the company said it aims over the medium term to raise its share of new home loans in India to 5% from about 2.5% to 2.7%, and cut operating costs to 14% to 15% of net total income.34
Recent events
- On 13 Mar 2026, SEBI, the markets regulator, changed its rules to give the company until 15 September 2029 to meet the minimum public shareholding requirement (the share of its stock that must be held by the public).35
- On 2 Dec 2025, Bajaj Finance Limited, the promoter, sold 16.66 crore shares of the company in the open market towards that requirement, cutting its holding from 88.70% to 86.70%.36
Last updated
All 36 sources, each with its page
- 1. Annual report, 8 Jul 2026, page 72
- 2. Annual report, 8 Jul 2026, page 45
- 3. Annual report, 8 Jul 2026, page 46
- 4. Annual report, 8 Jul 2026, page 53
- 5. Earnings call, 29 Jul 2026, page 4
- 6. Annual report, 8 Jul 2026, page 67
- 7. Annual report, 8 Jul 2026, page 1
- 8. Annual report, 8 Jul 2026, page 42
- 9. Annual report, 8 Jul 2026, page 80
- 10. Annual report, 8 Jul 2026, page 81
- 11. Earnings call, 29 Jul 2026, page 5
- 12. Earnings call, 29 Jul 2026, page 4
- 13. Annual report, 8 Jul 2026, page 73
- 14. Annual report, 8 Jul 2026, page 47
- 15. Earnings call, 29 Jul 2026, page 3
- 16. Annual report, 8 Jul 2026, page 45
- 17. Earnings call, 29 Jul 2026, page 3
- 18. Earnings call, 29 Jul 2026, page 4
- 19. Earnings call, 29 Jul 2026, page 4
- 20. Earnings call, 29 Jul 2026, page 4
- 21. Annual report, 8 Jul 2026, page 51
- 22. Annual report, 8 Jul 2026, page 52
- 23. Annual report, 8 Jul 2026, page 52
- 24. Earnings call, 29 Jul 2026, page 5
- 25. Earnings call, 29 Jul 2026, page 5
- 26. Earnings call, 29 Jul 2026, page 10
- 27. Earnings call, 29 Jul 2026, page 4
- 28. Earnings call, 29 Jul 2026, page 5
- 29. Annual report, 8 Jul 2026, page 45
- 30. Earnings call, 29 Jul 2026, page 6
- 31. Earnings call, 29 Jul 2026, page 6
- 32. Earnings call, 29 Jul 2026, page 3
- 33. Earnings call, 29 Jul 2026, page 6
- 34. Investor presentation, 11 May 2026, page 22
- 35. Annual report, 8 Jul 2026, page 73
- 36. Annual report, 8 Jul 2026, page 73
Results
Standalone; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Bajaj Housing Finance quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +17.2%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +18.9%
Quarter to Sep 2026, against the quarter before
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹3,251 Crup 6.12%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹757 Crup 5.83%
Income from operations by quarter
Peak income from operations ₹3,251 Cr, quarter to Sep 2026; lowest ₹2,449 Cr, quarter to Dec 2024
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 2,449 | 2,508 | 2,616 | 2,755 | 2,886 | 2,903 | 3,063 | 3,251 |
| Net profit | 548 | 587 | 583 | 643 | 665 | 669 | 715 | 757 |
Standalone. The last eight quarters. The latest is shaded.
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹11,147 Crup 16.41%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,560 Crup 18.38%
Income from operations by year
Peak income from operations ₹11,147 Cr, year to Mar 2026; lowest ₹9,576 Cr, year to Mar 2025
Net profit by year, a loss in red
| ₹ crore | Mar 2025 | Mar 2026 |
|---|---|---|
| Income from operations | 9,576 | 11,147 |
| Net profit | 2,163 | 2,560 |
Standalone. Years to March. The latest is shaded.
Business segments
In the year to Mar 2026 the company reports one business segment, HFC, which carries all its revenue.
Valuation
Today, against the company's own history. Dividend yield is not shown: no dividend in the years on record.Bajaj Housing Finance PE ratio and valuation
Price to earnings
At or below today's level on 1% of 247 trading days over the last year.
LowestHighest
Its median28.30Industry median12.17
Price to book
At or below today's level on 1% of 247 trading days over the last year.
LowestHighest
Its median3.24Industry median1.24
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −40.7% | +18.4% | −49.9% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 1 year is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.
Mutual fund holdings
74 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 64 of the 66 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 2 more funds filed their first portfolio on record, holding it.All 74 funds holding Bajaj Housing Finance
- AddedAdded. Funds that held more shares than at the end of the month before.
- 33
- CutCut. Funds that held fewer shares than at the end of the month before.
- 33
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 6
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 1
| Fund | |||
|---|---|---|---|
 Nippon India Growth Mid Cap FundNippon India Mutual Fund | 1,88,68,163 | 0.31% | ₹154.7 Cr |
 ICICI Prudential Banking and Financial Services FundICICI Prudential Mutual Fund | 50,54,324 | 0.38% | ₹41.4 Cr |
 HDFC Balanced Advantage FundHDFC Mutual Fund | 19,50,124 | 0.02% | ₹16.0 Cr |
| HDFC Large & Mid Cap FundHDFC Mutual Fund | 19,42,906 | 0.06% | ₹15.9 Cr |
 Motilal Oswal Nifty Midcap 150 Index FundMotilal Oswal Mutual Fund | 10,90,300 | 0.22% | ₹8.94 Cr |
| Nippon India ETF Nifty Midcap 150Nippon India Mutual Fund | 10,46,979 | 0.22% | ₹8.59 Cr |
| Nippon India Nifty Midcap 150 Index FundNippon India Mutual Fund | 7,33,364 | 0.22% | ₹6.01 Cr |
 Bandhan Balanced Advantage FundBandhan Mutual Fund | 6,98,852 | 0.26% | ₹5.73 Cr |
 Mirae Asset Nifty Midcap 150 ETFMirae Asset Mutual Fund | 4,95,823 | 0.22% | ₹4.07 Cr |
| ICICI Prudential Nifty Midcap 150 Index FundICICI Prudential Mutual Fund | 3,41,886 | 0.22% | ₹2.80 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 28 Oct 2025.Bajaj Housing Finance insider trading
Bought on the marketBought on the market. The value each filer stated for its purchases on the exchange, added up; gifts, transfers and pledges are not counted. A purchase filed with no value is counted under the sum, not in it. Sold on the marketSold on the market. The value each filer stated for its sales on the exchange, added up; gifts, transfers and pledges are not counted. A sale filed with no value is counted under the sum, not in it.
- Promoters and promoter group0 purchases, 1 saleNo purchase₹1,585 CrNetNet. The value bought on the market less the value sold, over the trades whose filers stated a value.−₹1,585 Cr86 pledge filings of unclear kind
- Others0 purchases, 1 saleNo purchase₹1.74 CrNet−₹1.74 Cr4 pledge filings of unclear kind · 1 off-market move
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Bajaj Housing Finance competitors and peers
Housing Finance Company, 19 listed companies, priced on 27 Oct 2026. The table lists the 8 companies closest to Bajaj Housing Finance in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 PNB Housing FinancePNBHOUSING | 28,167 | 12.17 | 1.47 | +9.8% | +13.7% | 12.8% | 2.60% | 3.67% | 0.74% |
 LIC Housing FinanceLICHSGFIN | 28,053 | 4.89 | 0.68 | +0.4% | +4.3% | 14.8% | 1.75% | 2.68% | 1.96% |
 Aadhar Housing FinanceAADHARHFC | 19,099 | 16.74 | 2.53 | +17.7% | +20.2% | 16.4% | 4.33% | 8.09% | 0.00% |
 Sammaan CapitalSAMMAANCAP | 13,272 | – | 0.70 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 10,631 | 17.16 | 2.28 | +19.2% | +36.9% | 14.3% | 3.95% | 6.99% | 0.51% |
 Aptus Value Housing Finance IndiaAPTUS | 10,103 | 10.26 | 2.00 | +22.9% | +23.3% | 21.0% | 7.76% | 11.34% | 2.23% |
 Can Fin HomesCANFINHOME | 9,660 | 8.38 | 1.51 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.07% |
 Aavas FinanciersAAVAS | 9,020 | 12.80 | 1.67 | +12.1% | +16.8% | 14.0% | 3.29% | 6.75% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Latest announcements
Routine notices left out.Bajaj Housing Finance announcements
Oct 2026
23 Oct · Management
23 Oct · Management
Bajaj Housing Finance share price by year
Each calendar year to 2025.Bajaj Housing Finance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 94.33 | −26.0% | 132.30 | 93.65 |
| 2024 | 127.42 | – | 181.50 | 125.56 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2024 is from its first session, 16 Sep 2024.
Recent sessions
The 9 trading days to 26 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 26 Oct 2026 | 77.45 | 79.69 | 76.00 | 78.58 | 78.28 | 43,67,402 | 45.2% |
| 23 Oct 2026 | 81.10 | 81.21 | 77.11 | 77.45 | 78.07 | 62,68,743 | 49.9% |
| 22 Oct 2026 | 81.17 | 81.29 | 80.08 | 81.02 | 80.73 | 28,85,067 | 46.8% |
| 21 Oct 2026 | 82.71 | 82.71 | 80.70 | 81.17 | 81.32 | 32,39,061 | 51.4% |
| 19 Oct 2026 | 82.92 | 83.20 | 81.24 | 82.71 | 82.17 | 52,43,607 | 45.4% |
| 16 Oct 2026 | 84.00 | 84.25 | 83.09 | 83.36 | 83.62 | 22,00,050 | 42.5% |
| 15 Oct 2026 | 84.15 | 86.31 | 83.50 | 83.78 | 84.78 | 52,86,376 | 37.3% |
| 14 Oct 2026 | 82.65 | 85.20 | 82.16 | 84.55 | 84.20 | 71,87,518 | 60.0% |
| 13 Oct 2026 | 81.32 | 83.00 | 80.66 | 82.67 | 82.20 | 37,38,018 | 56.7% |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- BAJAJHFL
- BSE code
- 544252
- ISIN
- INE377Y01014
- Industry
- Finance
- Website
- www.bajajhousingfinance.in
- CIN
- L65910PN2008PLC132228
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 2008
- Registered office
- 4th Floor, Bajaj Finserv House, Off Pune - Ahmednagar Road, Viman Nagar, 411014, Maharashtra
- Share registrar
- KFin Technologies Ltd
- Keeps the register of shareholders and handles transfers and dividend payments
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