Bajaj Housing Finance Share Price in Focus; Reports 24% AUM Growth, 21% Profit Rise in Q1 FY26 Results

Bajaj Housing Finance Limited (BHFL) reported financial performance for the quarter ended June 30, 2025.

Assets and Income See Double-Digit Growth

The company’s Assets Under Management (AUM) surged 24% year-on-year (YoY) to ₹1,20,420 crore as of June 30, 2025, compared to ₹97,071 crore in the same period last year. Net Interest Income (NII) jumped 33% YoY to ₹887 crore, up from ₹665 crore in Q1 FY25.

Net Total Income increased by 25% YoY, reaching ₹1,012 crore against ₹810 crore in Q1 FY25. Operating expenses stood at 21.2% of Net Total Income, marginally higher than 21.0% recorded in the same quarter last year.

Profitability Strengthens Despite Higher Provisions

Profit before tax (PBT) rose 20% YoY to ₹757 crore, compared to ₹630 crore in Q1 FY25. Profit after tax (PAT) also improved by 21%, reaching ₹583 crore against ₹483 crore last year.

Loan losses and provisions stood at ₹41 crore in Q1 FY26, up significantly from ₹10 crore in Q1 FY25, indicating a more cautious provisioning stance despite healthy asset quality.

Asset Quality and Capital Position

BHFL maintained robust asset quality, with Gross NPA and Net NPA at 0.30% and 0.13% respectively as of June 30, 2025, compared to 0.28% and 0.11% a year earlier. The provisioning coverage ratio on Stage 3 assets was at 56%, reflecting prudent risk management.

The company’s capital adequacy ratio, including Tier II capital, stood at a healthy 26.94%. BHFL continues to hold the highest credit ratings, AAA/Stable for long-term debt and A1+ for short-term debt, from CRISIL and India Ratings.

Bajaj Housing Finance Share Price Performance

On July 24, 2025, Bajaj Housing Finance share price (NSE: BAJAJHFL) opened at ₹122.00, almost the same as its previous close of ₹122.27. At 10:01 AM, the share price of Bajaj Housing Finance was trading at ₹121.21, down by 0.87% on the NSE.

Also Read: Bajaj Finserv Targets 250 Million Customers by 2029!

Conclusion

Bajaj Housing Finance delivered strong growth in AUM, income, and profits in Q1 FY26, backed by asset quality and capital buffers. The company’s prudent provisioning and AAA credit profile position it well for sustained growth in the housing finance sector.

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