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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: GNPA at 0.26%, NNPA at 0.12%, and annualized credit cost at 0.18%.
Operating efficiency improved, with OPEX to NTI at 19.6% (down from 20.5% YoY).
Portfolio composition remains diversified, with home loans at 55% of AUM.
Financial highlights
Net interest income increased 34% YoY to ₹956 crore; net total income up 22% to ₹1,097 crore.
Pre-provisioning operating profit rose 24% in H1 FY26; operating expenses increased 21%.
Portfolio yield moderated by 60 bps YoY to 9.3%; NIM stable at 4.0% in Q2 FY26.
Borrowing mix: 54% money market, 37% bank, 9% NHB refinance; NCD and CP shares increased sequentially.
Net worth at ₹21,170 crore; capital adequacy ratio at 26.12%.
Outlook and guidance
FY26 AUM growth expected at 21–23%, moderated by competitive pricing and real estate demand.
Margin guidance for FY26 unchanged, expecting 15–20 bps compression for the full year.
OPEX to NTI targeted at 14–16% over the next 3-4 years; NIM to moderate by 15–20 bps.
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.
Status of loans under resolution plans
NCD proceeds utilization details
Impact of loan assignments on portfolio
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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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