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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Bajaj Housing Finance (BAJAJHFL) investor relations material
Bajaj Housing Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary23 Jul, 2025
Executive summary
AUM grew 24% year-over-year to ₹1,20,420 crore, with PAT up 21% and ROA steady at 2.3% compared to Q1 FY25.
Asset quality remained robust: GNPA at 0.30%, NNPA at 0.13%, and annualized credit cost at 0.16%.
Disbursements grew 22% year-over-year to ₹14,651 crore; digital initiatives saw e-agreement penetration at 93%.
Opex to NTI was flat at 21.2% versus 21.0% in Q1 FY25; PBC at 61.71%, above regulatory requirement.
Unaudited Q1 FY26 results approved with unmodified auditor opinion.
Financial highlights
Net interest income rose 33% year-over-year to ₹887 crore; net total income up 25% to ₹1,012 crore.
PAT grew 21% to ₹583 crore in Q1 FY26 versus ₹483 crore in Q1 FY25.
Operating expenses increased 26% to ₹214 crore; loan losses and provisions rose to ₹41 crore from ₹10 crore in Q1 FY25.
Net worth at ₹20,508 crore; capital adequacy ratio at 26.94% (Tier-1: 26.43%).
Liquidity buffer at ₹3,079 crore; LCR at 211% versus 100% regulatory requirement.
Outlook and guidance
FY26 AUM growth guidance revised to 21–23% (down from 24–26%) due to competitive pricing and real estate moderation.
NIM/NTI expected to moderate by 15–20 bps; NII projected to remain stable.
ROA expected in the 2–2.2% range; ROE to moderate to 11–12% due to excess capital.
OpEx to NPI/NTI ratio expected to remain flat at 20–21%.
GNPA, credit cost, and PCR expected to remain within medium-term guidance.
Assess impact of competition on medium-term growth.
Explain drivers behind employee OpEx growth.
Detail strategy for managing portfolio attrition.
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Next Bajaj Housing Finance earnings date
Q2 25/2620 Oct, 2025
Next Bajaj Housing Finance earnings date
Q2 25/2620 Oct, 2025
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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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