What the business is, and whether it's a good one at a fair price.
Originating and servicing mortgage and property-backed loans in India, with assets under management in excess of ₹1 lakh crore. The business lends through four primary product lines — home loans, loan against property, lease rental discounting, and construction finance — and runs an affordable-housing vertical that operates across 145 urban/rural locations covering 72 Tier-4 towns, with a current monthly disbursement run-rate of ₹410-425 crore scaling toward a ₹600+ crore target. Income is generated primarily from interest earned on this loan book, with a quarterly net interest margin of 3.7%. The company funds itself by issuing secured non-convertible debentures on private placement and accepting deposits from parent Bajaj Finance, with cost of funds at 7.2%. Operating costs are light — employee costs at 5% of revenue and other operating expenses at 2.2% — supporting an opex-to-net-income ratio of 19-20%. Asset quality is tight with gross NPA at 0.29%, net NPA at 0.12%, and capital adequacy at 21.59%.
Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from BAJAJ HOUSING FINANCE LTD's filed financials and exchange disclosures
BAJAJ HOUSING FINANCE LTD is a Finance company listed on NSE and BSE, trading under the symbol BAJAJHFL.
Yes. Over the trailing twelve months BAJAJ HOUSING FINANCE LTD reported a net profit of ₹2,692 Cr on revenue of ₹11,606 Cr.
Not in the latest reported year — BAJAJ HOUSING FINANCE LTD's dividend payout for FY26 was nil.
Effectively yes. It holds ₹162 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, BAJAJ HOUSING FINANCE LTD ranks 14 of 17 in Housing Finance Company — cheaper than 19% of them, against an industry median of 13.3×. This is a position, not a valuation judgement.
On a typical session BAJAJ HOUSING FINANCE LTD moves 0.68% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by BAJAJ HOUSING FINANCE LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
