Bajaj Housing Finance announced its H1 FY26 results, reporting a 19% increase in Profit After Tax (PAT) to ₹1,226 crore. Assets Under Management (AUM) grew by 24% to ₹1,26,749 crore. The company continues to focus on sustainable growth and a diversified borrowing mix. The Gross NPA and Net NPA stood at 0.26% and 0.12% respectively as of September 30, 2025.
Financial Performance Highlights
Bajaj Housing Finance reported a strong financial performance for H1 FY26:
- Assets Under Management (AUM) grew by 24%, reaching ₹1,26,749 crore as of September 30, 2025.
- Net interest income increased by 34% to ₹1,843 crore compared to H1 FY25.
- Net total income grew by 24% to ₹2,110 crore.
- Profit before tax (PBT) increased by 19% to ₹1,590 crore.
- Profit after tax (PAT) also increased by 19% to ₹1,226 crore.
Asset Quality and Capital Adequacy
The company maintained healthy asset quality and capital adequacy:
- Gross NPA stood at 0.26% as of September 30, 2025.
- Net NPA stood at 0.12% as of September 30, 2025.
- Capital adequacy ratio remained comfortable at 26.12%.
Key Strategic Initiatives
Bajaj Housing Finance continues to focus on enhancing customer experience and expanding its reach:
- The company has seen almost 94% adoption of e-agreements.
- The online customer onboarding journey has reached around 93%.
- The company launched ‘Sambhav Home Loans’ for near prime and affordable housing, now operating across 67 urban locations and 72 tier IV / rural locations.
Future Outlook
Considering the current market dynamics, Bajaj Housing Finance has reassessed its key financial indicators for FY26, projecting AUM growth between 21-23%.
Source: BSE
