Bajaj Housing Finance Limited has delivered a strong performance for the financial year ended March 31, 2026. The company reported a 20% growth in profit before tax to ₹3,320 crore, driven by robust assets under management growth of 23%. With a profit after tax of ₹2,560 crore, the company continues to solidify its market position, maintaining high asset quality and a strong capital adequacy ratio of 22.46%.
Annual Financial Performance Highlights
For the fiscal year ended March 31, 2026, Bajaj Housing Finance achieved significant growth across key metrics. The company’s Assets Under Management (AUM) grew by 23% to ₹1,40,706 crore compared to the previous year. This expansion was supported by a 25% increase in net interest income, which rose to ₹3,752 crore for the year. The overall profit after tax witnessed an 18% increase, reaching ₹2,560 crore.
Quarterly Results Overview
In the final quarter (Q4) of FY2026, the company maintained its growth momentum. Profit before tax for the quarter grew by 20% to ₹866 crore, while profit after tax rose to ₹669 crore, a 14% increase over the same period last year. Disbursements for the quarter stood at ₹17,506 crore, reflecting a 23% growth compared to the Q4 of the previous year.
Portfolio Quality and Operational Efficiency
The company continues to prioritize portfolio health, with Gross NPA standing at 0.27% and Net NPA at 0.11% as of March 31, 2026. Operational efficiency also improved, with the Operating Expenses to Net Total Income ratio declining to 19.7% for FY2026, compared to 20.9% in FY2025. This operational leverage, combined with a strong capital adequacy ratio of 22.46%, places the company on a stable footing for future expansion.
Product Segment Growth
Growth was distributed across diverse segments, with Home Loans accounting for the largest share of AUM at ₹76,055 crore, growing by 18%. Notably, Lease Rental Discounting emerged as a high-growth segment, surging 44% to ₹31,531 crore. Loan against property also contributed strongly, growing 24% to ₹15,191 crore, underscoring the company’s ability to capture demand across different financing needs.
Source: BSE
