Bajaj Housing Finance Share Price in Focus; Profit Rises 18% YoY in Q2 FY26 Results

Bajaj Housing Finance Limited announced its unaudited financial results for the quarter ended September 30, 2025, showcasing steady growth in profitability and assets. 

The company’s assets under management (AUM) grew 24% year-on-year to ₹1,26,749 crore, compared to ₹1,02,569 crore in Q2FY25. The loan book expanded by 26% to ₹1,13,059 crore, reflecting sustained demand across the housing and retail lending segments.

Profitability and Income Performance

Net interest income increased 34% in Q2FY26 to ₹956 crore from ₹713 crore in the same period last year, driven by strong loan growth and efficient cost management. 

Net total income rose 22% to ₹1,097 crore, while profit before tax stood at ₹833 crore, up 18% from ₹708 crore in Q2FY25. Profit after tax also grew 18% year-on-year to ₹643 crore, compared to ₹546 crore in the previous year.

Operational Efficiency and Asset Quality

The company maintained operational discipline, with operating expenses to net total income improving to 19.6% in Q2FY26 from 20.5% in Q2FY25. Loan losses and provisions for the quarter were ₹50 crore, which included a ₹25 crore management overlay release. 

Asset quality remained exceptionally strong, with gross NPA at 0.26% and net NPA at 0.12%, consistent with the previous year. The provisioning coverage ratio on stage 3 assets stood at around 56%.

Capital and Credit Strength

Bajaj Housing Finance reported a robust capital adequacy ratio of 26.12% as of September 30, 2025, providing ample room for growth. 

The company continues to hold the highest credit ratings of AAA/Stable for long-term debt and A1+ for short-term debt from both CRISIL and India Ratings, reflecting its strong financial stability and prudent risk management.

Bajaj Housing Finance Share Price Performance

On November 7, 2025, Bajaj Housing Finance share price (NSE: BAJAJHFL) opened at ₹110.00, up from its previous close of ₹109.38. At 10:12 AM, the share price of Bajaj Housing Finance was trading at ₹109.48, up by 0.09% on the NSE.

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Conclusion

With solid asset growth, stable profitability, and impeccable asset quality, Bajaj Housing Finance has reaffirmed its position as one of India’s most trusted housing finance institutions. The company’s strong credit ratings and disciplined approach provide a solid foundation for sustained long-term growth.

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