Bajaj Housing Finance Limited has announced robust financial results for the half-year ended September 30, 2026. The company achieved a landmark ₹1.5 lakh crore Assets Under Management (AUM) milestone, reaching ₹1,58,205 crore, a 25% year-on-year increase. Profit after tax grew by 20% to ₹1,472 crore, reflecting strong operational performance and prudent risk management.
Bajaj Housing Finance Unveils Strong H1 FY27 Performance
Bajaj Housing Finance Limited (BHFL) has presented its financial results for the half-year ended September 30, 2026, showcasing significant growth and a strengthened market position. The company successfully crossed the ₹1.5 lakh crore mark in Assets Under Management (AUM), which stood at ₹1,58,205 crore as of the reporting date. This represents a substantial 25% year-on-year growth.
Key Financial Highlights
During H1 FY27, BHFL recorded its highest-ever disbursements and AUM addition. The profit after tax surged by 20% to ₹1,472 crore, compared to ₹1,226 crore in H1 FY26. This growth was achieved while maintaining strong asset quality, with Gross Non-Performing Assets (GNPA) at 29 bps as of September 30, 2026.
Strategic Growth and Outlook
The company continues to execute its strategy of deepening its presence across prime, near-prime, and affordable customer segments. ‘Sambhav loans’, designed for near-prime and affordable customers, now constitute approximately 16% of home loan originations. BHFL is positioned as the largest private HFC in India, leveraging its strong parentage, multi-product platform, and diversified funding.
The outlook for FY27 projects AUM growth between 21–23%, with a projected Net Interest Margin (NIM) moderation of 20-25 bps. The company anticipates Opex to Net Total Income to remain between 19–20%, with Gross NPA expected between 30-35 bps.
Operational Developments
As of September 30, 2026, BHFL operated 223 branches across 182 locations. Digital initiatives have streamlined the customer journey, with 96% of retail logins and agreements executed digitally. The company is also actively integrating AI across its customer lifecycle, from lead generation to customer support.
Source: BSE
