Bajaj Housing Finance reported a 21% increase in Profit After Tax (PAT) for Q3 FY26, reaching ₹665 crore. Assets under Management (AUM) grew by 23% to ₹1,33,412 crore. Net Interest Income (NII) rose by 19% to ₹963 crore. The company maintained strong asset quality, with Gross NPA at 0.27% and Net NPA at 0.11% as of December 31, 2025. It also maintained its AAA credit rating for long-term debt.
Financial Performance Highlights
Bajaj Housing Finance showcased robust financial performance in Q3 FY26:
- Assets under management increased by 23% to ₹1,33,412 crore as of December 31, 2025, compared to ₹1,08,314 crore in the same period last year.
- Net interest income grew by 19% to ₹963 crore in Q3 FY26 from ₹806 crore in Q3 FY25.
- Net total income increased by 24% to ₹1,153 crore from ₹933 crore.
- Profit before tax rose by 21% to ₹865 crore from ₹713 crore.
- Profit after tax increased by 21% to ₹665 crore from ₹548 crore.
Asset Quality and Capital Adequacy
The company reported strong asset quality metrics:
- Gross NPA as of December 31, 2025, stood at 0.27%, while Net NPA was 0.11%.
- Capital adequacy ratio (including Tier-II capital) as of December 31, 2025, was 23.15%.
Credit Ratings
Bajaj Housing Finance maintains high credit ratings:
- AAA/Stable for its long-term debt programme (CRISIL and India Ratings).
- A1+ for its short-term debt programme (CRISIL and India Ratings).
Source: BSE
