Bajaj Housing Finance Limited has informed the Exchange about Investor Presentation
BAJAJHFL · price
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Bajaj Housing Finance Limited filed its FY2026 Investor Presentation providing a comprehensive overview of its business. The company reported AUM of ₹1,40,706 Crore as of FY26, growing at 23% YoY, with PAT of ₹2,560 Crore (up 18% YoY). Key highlights include industry-leading 22.8% CAGR growth (FY23-25) outpacing banks and HFCs, lowest GNPA of 0.27% among large players, and improving Opex to NTI ratio to 19.7% (target: 14-15%). The company aims to increase market share in incremental home loan originations to 5% from current 2.5-2.7%. Strategic priorities include scalable balance sheet, reasonable returns (ROA 2.0-2.2%, ROE 13-15%), full mortgage product suite, low-risk business model (GNPA 40-60 bps), and diversified borrowing mix. Industry outlook remains positive with home loans expected to grow at 14-16% CAGR till FY28.
Positive for shareholders as BHFL continues to gain market share (1.7% FY26E) while maintaining best-in-class asset quality and improving operational efficiency. The company is well-positioned as India's 2nd largest HFC with clear medium-term growth targets.