Bajaj Housing Finance Share Price in Focus on Q3 FY26 Earnings Results: PAT Rises 21% YoY

Bajaj Housing Finance Limited released its third quarter FY26 financials, highlighting a 21% increase in profit after tax and notable growth across income and asset metrics. 

Bajaj Housing Finance Q3 FY26 Earnings Results  

Net profit for the quarter ended December 31, 2025 rose to ₹664.89 crore from ₹548.02 crore a year earlier, marking a 21% increase. Profit before tax also grew 21% to ₹864.54 crore. Total income climbed 18% to ₹2,886.04 crore, while net interest income expanded 19% to ₹963 crore. Net total income reached ₹1,153 crore, up 24% year‑on‑year. 

Asset Growth and Quality 

Assets under management expanded 23% to ₹1,33,412 crore and loan assets grew to ₹1,17,305 crore, matching the same growth rate. Gross non‑performing assets held at 0.27% and net NPA improved to 0.11%, slightly better than the previous 0.29% and 0.13% respectively. 

Read More: Godrej Properties Clocks ₹2,000+ Crore Sales at Worli Luxury Project Godrej Trilogy! 

Operating Efficiency and Provisions 

The operating expense to net total income ratio fell to 19.0% from 19.8%, indicating improved efficiency. Provisions for loan losses rose to ₹56.35 crore from ₹35.47 crore in the comparable quarter. An exceptional item of ₹13.14 crore was recorded, linked to a one‑time increase in gratuity liability under the New Labour Codes. 

Capital Strength and Ratings 

Capital adequacy stood at 23.15% as of December 31, 2025. The company retains AAA/Stable rating for long‑term debt and A1+ for short‑term debt from CRISIL and India Ratings. 

Bajaj Housing Finance Share Price Performance  

As of February 03, 2026, at 9:17 AM, Bajaj Housing Finance share price on NSE was trading at ₹92.40 up by 3.01% from the previous closing price.  

Conclusion 

Bajaj Housing Finance’s Q3 FY26 results demonstrate solid profit growth, expanding assets and stable credit quality, supported by a strong capital base and high credit ratings. 

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