Bajaj Housing Finance Shares Fell ~3% After Shareholders Lock-In Expiry

On April 13, 2026, Bajaj Housing Finance shares fell nearly 3% in early trading, as a significant portion of its equity became eligible for trading following the expiry of the shareholder lock-in period. Approximately 25% of the company’s outstanding shares, up to 210 crore shares, were unlocked during the session.

Shareholder Lock-In Expiry

According to Nuvama Alternative & Quantitative Research, the lock-in period for shareholders holding stakes for one-and-a-half years or longer concluded today. Based on the previous closing price, the total value of shares now eligible for trading is estimated at ₹17,976 crore.

It is important to highlight that the end of the lock-in period does not necessarily imply immediate selling in the open market; rather, it simply allows these shares to be traded.

Bajaj Housing Finance Shareholding

As of the end of the third quarter, Bajaj Finance, the promoter entity, held an 87.6% stake in the company, well above the regulatory minimum public shareholding requirement of 75%.

Bajaj Housing Q3FY26 Performance Highlights

Operationally, the company reported a strong quarter. Assets Under Management (AUM) grew by 23%, supported by robust disbursement momentum despite elevated portfolio attrition. Profit after tax (PAT) increased by 21% in Q3 FY26, with annualised return on assets (ROA) at 2.3% and return on equity (ROE) at 12.3%.

Asset quality remained healthy, with gross non-performing assets (GNPA) at 0.27% and net non-performing assets (NNPA) at 0.11%, alongside a low annualised credit cost of 0.19%. Operational efficiency also improved, reflected in a reduction of the Opex-to-NTI ratio to 19.0% in Q3 FY26 from 19.8% in the same quarter last year.

Additionally, the company’s Provision Coverage Buffer (PBC) stood at 61.37%, comfortably above the regulatory requirement of 60%.

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