Flash Finance

Bajaj Housing Finance LimitedBAJAJHFLBank / NBFC

Financial Services Mortgage Finance Latest results: Sep 2026 15 quarters of data
Consolidated Standalone
₹83.36
MCap ₹69,428 Cr · P/E 24.7
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹3,251 Cr
Interest Earned · Sep 2026
+24.3% YoY
₹980 Cr
Operating Profit · Sep 2026
+11.0% YoY
₹757 Cr
Net Profit · Sep 2026
+17.7% YoY
₹0.91
EPS · Sep 2026
+18.2% YoY
—
Gross NPA % · Sep 2026
—
Net NPA % · Sep 2026

📝 Bajaj Housing Finance Limited — results explained

Quarter ended September 2026 (Q2 FY27)

Bajaj Housing Finance Limited reported total income of ₹3,251 crore for the quarter ended September 2026 (Q2 FY27), up 18.0% from ₹2,755 crore in the same quarter last year, and up 6.1% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹3,251 crore and other income ₹1 crore. Net interest income (interest earned minus interest expended of ₹1,997 crore) worked out to ₹1,254 crore.

Net profit rose 17.7% year-on-year to ₹757 crore, from ₹643 crore. Earnings per share (EPS) came in at ₹0.91.

Full year and trailing twelve months

For the full year FY26, Bajaj Housing Finance Limited posted total income of ₹11,162 crore, a growth of 16.6% over FY25, with a net profit of ₹2,560 crore (up 18.3% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹12,103 crore with a net profit of ₹2,806 crore.

Valuation snapshot

At the current price of ₹83.36, BAJAJHFL has a market capitalisation of ₹69,428 crore and a trailing P/E of about 24.7.

Within the Mortgage Finance industry, it is the largest of the 7 companies we track by market value.

Shareholding pattern

As of Sep 2026, foreign institutional investors (FIIs) 0.90%, promoters held 86.70%, domestic institutional investors (DIIs) 1.09%, public shareholders 11.27% of Bajaj Housing Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹69,428 Cr
Current Price ?
₹83.4
P/E ?
24.74above ind
Industry P/E ?
12.20
P/B ?
2.89
P/S ?
5.74
P/FCF ?
-3.48
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.92
Earnings Yield ?
4.0%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹12,103 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,806 Cr
EPS (TTM) ?
₹3.37
ROCE ?
N/A
ROE ?
11.7%
ROA ?
2.0%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹3,251 Cr
PAT — latest qtr ?
₹757 Cr
YoY qtr sales growth ?
18.0%
YoY qtr profit growth ?
17.7%
Sales growth (3y) ?
25%
Sales growth (5y) ?
29%
Profit growth (3y) ?
27%
Profit growth (5y) ?
41%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
86.70%
Change in promoter holding ?
-2.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-3.5%
Return 6 months ?
-9.2%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 1,5851,7631,9111,9461,9962,2092,2272,3222,3742,4932,6142,6972,9033,0633,251 +24.3% +6.1%
Other Income 000000183127134126141189001 -99.6% +1633.3%
Total Income 1,5851,7631,9111,9461,9962,2092,4102,4492,5082,6182,7552,8862,9033,0633,251 +18.0% +6.1%
Interest Expended 9541,0621,1511,2001,2791,3991,5141,5161,5511,6061,6581,7341,7621,8881,997 +20.4% +5.7%
Operating Profit ——————713748749798882934—929980 +11.0% +5.5%
Provisions ——————53530415056——— — —
Profit Before Tax 407526575572488630708713720757833865866929980 +17.7% +5.5%
Net Profit 301462451437381483546548587583643665669715757 +17.7% +5.8%
EPS 0.450.690.670.650.570.620.690.660.700.700.770.800.800.860.91 +18.2% +5.8%
Gross NPA % — 0.23% 0.24% 0.25% 0.27% 0.28% 0.29% 0.29% 0.29% 0.30% 0.26% 0.27% 0.27% — — — —
Net NPA % — 0.08% 0.09% 0.10% 0.10% 0.11% 0.12% 0.13% 0.11% 0.13% 0.12% 0.11% 0.11% — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹9,132 Cr ₹10,707 Cr ₹11,914 Cr +17.3%
Other Income ₹445 Cr ₹455 Cr ₹189 Cr +2.4%
Total Income ₹9,576 Cr ₹11,162 Cr ₹12,103 Cr +16.6%
Interest Expended ₹5,980 Cr ₹6,759 Cr ₹7,381 Cr +13.0%
Net Interest Income ₹3,152 Cr ₹3,948 Cr ₹4,533 Cr +25.2%
Operating Profit ₹2,210 Cr ₹2,614 Cr ₹2,842 Cr +18.3%
Provisions ₹70 Cr ₹147 Cr ₹56 Cr +110.0%
Profit Before Tax ₹2,770 Cr ₹3,320 Cr ₹3,639 Cr +19.8%
Tax ₹460 Cr ₹563 Cr ₹636 Cr +22.4%
Net Profit ₹2,163 Cr ₹2,560 Cr ₹2,806 Cr +18.3%
EPS ₹2.67 ₹3.07 ₹3.37 +15.0%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 6,7126,7128,3288,3298,329 +0.0%
Reserves 3,7915,52111,61914,19415,694 +10.6%
Borrowing 53,74569,12982,072103,704118,177 +14.0%
Other Liabilities 406464790920930 +1.0%
Total Liabilities 64,65481,827102,809127,147143,212 +12.6%
Fixed Assets 113123141154157 +1.8%
CWIP 01103 —
Investments 2,0011,9392,5332,5022,377 -5.0%
Other Assets 62,54079,765100,134124,491140,675 +13.0%
Total Assets 64,65481,827102,809127,147143,212 +12.6%
Deposits ————82 —

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -14,332-14,600-17,075-19,895 -16.5%
Cash from Investing Activity -611-555-798-1,202 -50.6%
Cash from Financing Activity 14,63015,12517,87021,197 +18.6%
Net Cash Flow -313-30-2100 +5100.0%
Free Cash Flow -14,362-14,640-17,111-19,938 -16.5%
CFO/OP -282%-204%-187%-190% -1.6%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity -14,810 —
Cash from Investing Activity 114 —
Cash from Financing Activity 14,646 —
Net Cash Flow -49 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 15%15%13%12% -7.7%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
FIIs 1.04%0.91%0.94%0.99%0.90% -9.1%
Promoters 88.70%88.70%86.70%86.70%86.70% +0.0%
DIIs 0.59%0.54%1.39%1.18%1.09% -7.6%
Government 0.00%0.00%0.00%0.00%— —
Public 9.61%9.81%10.92%11.10%11.27% +1.5%
Others 0.05%0.04%0.04%0.04%— —
No. of Shareholders 25,10,34024,45,28024,28,40923,64,07422,42,947 -5.1%

⚖️ Peer comparison

Industry: Mortgage Finance · 7 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJAJHFL BAJAJ HOUSING ₹84.14 70,077 25.0 12,103 2,806 23.5% 23.2% 16.6% 18.3% 18.0% 17.7%
2 LICHSGFIN LIC Housing ₹562.90 30,963 5.4 28,696 5,740 13.2% 20.0% 2.7% 3.0% -2.2% 9.9%
3 PNBHOUSING PNB Housing ₹1,155.50 30,136 13.0 8,689 2,315 22.9% 26.6% 10.6% 18.4% 8.8% 4.5%
4 AADHARHFC AADHAR HOUSING ₹439.15 19,252 16.7 3,833 1,141 29.0% 29.8% 18.6% 20.2% 17.1% 19.0%
5 SAMMAANCAP Sammaan Capital ₹148.00 17,001 — 963 -7,478 142.6% -776.4% -80.8% -234.7% -30.2% —
6 APTUS Aptus Value ₹218.79 10,958 11.1 2,326 985 41.4% 42.3% 24.5% 25.5% 15.2% 19.0%
7 CANFINHOME Can Fin ₹779.00 10,373 9.0 4,377 1,153 23.9% 26.3% 8.7% 26.7% 7.8% 9.2%
❓ Frequently asked questions
What was Bajaj Housing Finance Limited's total income in Q2 FY27?
Bajaj Housing Finance Limited reported total income of ₹3,251 crore for the quarter ended September 2026 (Q2 FY27), up 18.0% from ₹2,755 crore in the same quarter last year, and up 6.1% sequentially over the June 2026 quarter.
What was Bajaj Housing Finance Limited's net profit in Q2 FY27?
Net profit rose 17.7% year-on-year to ₹757 crore, from ₹643 crore. Earnings per share (EPS) came in at ₹0.91.
What is BAJAJHFL's market capitalisation and P/E ratio?
At the current price of ₹83.36, BAJAJHFL has a market capitalisation of ₹69,428 crore and a trailing P/E of about 24.7.
Who owns Bajaj Housing Finance Limited? (shareholding pattern)
As of Sep 2026, foreign institutional investors (FIIs) 0.90%, promoters held 86.70%, domestic institutional investors (DIIs) 1.09%, public shareholders 11.27% of Bajaj Housing Finance Limited.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI