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Bajaj Housing Finance
Bajaj Housing Finance (BAJAJHFL) investor relations material
Bajaj Housing Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
AUM reached ₹1,33,412 crore, up 23% year-over-year in Q3 FY26, driven by strong disbursement momentum despite higher attrition.
PAT grew 21% year-over-year to ₹665 crore, with annualized ROA at 2.3% and ROE at 12.3%.
Asset quality remained robust: GNPA at 0.27%, NNPA at 0.11%, and annualized credit cost at 0.19%.
Operating efficiency improved, with Opex to NTI ratio at 19.0% (excluding exceptional item), down from 19.8% in Q3 FY25.
Unaudited financial results for the quarter and nine months ended 31 December 2025 were approved, showing strong growth in assets and profitability.
Financial highlights
Net interest income rose 19% year-over-year to ₹963 crore; net total income up 24% to ₹1,153 crore.
Disbursements grew 32% year-over-year to ₹16,545 crore.
Pre-provisioning operating profit increased 24% year-over-year; loan losses and provisions for Q3 FY26 were ₹56 crore, up from ₹35 crore in Q3 FY25.
Capital adequacy ratio at 23.15%, Tier-1 capital at 22.69%.
Opex to NTI improved to 19% in Q3 FY26, down from 19.8% a year ago.
Outlook and guidance
Medium-term AUM growth guidance remains at 24%-26%, with FY26 guidance at 21%-23%.
Opex to NTI expected to reach 14%-15% over the next 3-4 years; for FY26, expected to remain flat at 20–21%.
NIM compression for FY26 expected at 8-10 bps, less than earlier guidance of 15-20 bps.
ROA projected to remain in the 2.0–2.2% range; ROE to moderate to 11–12% due to recent capital raises.
Near prime and affordable segment disbursements targeted to double in the next 12-15 months.
Impact of new RBI guidelines on Tier 1 capital
Sambhav loans: future growth drivers and targets
Competitive intensity: impact on attrition and strategy
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Next Bajaj Housing Finance earnings date
Q4 25/2623 Apr, 2026
Bajaj Housing Finance
Next Bajaj Housing Finance earnings date
Q4 25/2623 Apr, 2026
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Frequently asked questions
Bajaj Housing Finance Limited is a financial services company that provides housing and real estate financing solutions. A subsidiary of Bajaj Finance Limited, the company offers home loans, loan against property, developer financing, and lease rental discounting. It serves individuals, businesses, and developers, catering to both residential and commercial property clients. The company is headquartered in Pune, India, and its shares are listed on the BSE.
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