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Bajaj Housing Finance (BAJAJHFL) investor relations material
Bajaj Housing Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary6 Nov, 2025
Executive summary
Assets under management (AUM) grew 24% year-over-year to ₹1,26,749 crore as of September 30, with disbursements up 32% to ₹15,914 crore in Q2 FY26.
Profit after tax increased 18% year-over-year to ₹643 crore, with annualized ROA at 2.3% and ROE at 12.2%.
Asset quality improved, with GNPA at 0.26%, NNPA at 0.12%, and annualized credit cost at 0.18%.
Operating efficiency improved, with OPEX to NTI ratio at 19.6% (down from 20.5% YoY).
Unaudited financial results for the quarter and half year ended 30 September 2025 were approved, with a limited review report issued with an unmodified opinion by joint statutory auditors.
Financial highlights
Net interest income for Q2 FY26 rose 34% year-over-year to ₹956 crore; net total income up 22% to ₹1,097 crore.
Profit before tax for Q2 FY26 was ₹833 crore, up 18% year-over-year.
Operating expenses to net total income ratio improved to 19.6% from 20.5% in Q2 FY25.
Loan losses and provisions for Q2 FY26 were ₹50 crore, up from ₹5 crore in Q2 FY25.
Net worth at ₹21,170 crore; capital adequacy ratio at 26.12% (regulatory minimum 15%).
Outlook and guidance
FY26 AUM growth expected at 21–23%, moderated due to competitive pricing and real estate demand moderation.
OPEX to NTI expected to remain flat; NIM to moderate by 15–20 bps due to lower investment income and derecognized loans.
ROA expected to remain rangebound at 2.0–2.2%; ROE to moderate to 11–12% due to recent capital raises.
GNPA, credit cost, and PCR expected to remain within medium-term guidance.
Margin compression expected from further rate cuts and competitive intensity.
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Next Bajaj Housing Finance earnings date
Q3 25/2626 Jan, 2026
Next Bajaj Housing Finance earnings date
Q3 25/2626 Jan, 2026
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Frequently asked questions
Bajaj Housing Finance Limited is a financial services company that provides housing and real estate financing solutions. A subsidiary of Bajaj Finance Limited, the company offers home loans, loan against property, developer financing, and lease rental discounting. It serves individuals, businesses, and developers, catering to both residential and commercial property clients. The company is headquartered in Pune, India, and its shares are listed on the BSE.
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