Bajaj Housing Finance Hits ₹120 Trillion AUM Milestone, Q1 Disbursements Top ₹146.4 Billion

Bajaj Housing Finance Ltd (BHFL) has kicked off FY2025–26 with a blockbuster performance, reporting a record ₹120 trillion in Assets Under Management (AUM) as of June 30, 2025. The company also clocked ₹146.4 billion in disbursements for Q1, underscoring its aggressive growth strategy and rising demand for housing finance products.

 

Key Highlights:

 

AUM Milestone: BHFL’s AUM surged past ₹120 trillion, reflecting a sharp uptick from ₹114.68 trillion in March 2025—a growth of over ₹5.3 trillion in just one quarter.

 

Disbursement Momentum: Q1 FY26 disbursements stood at ₹146.4 billion, driven by strong traction in mid-ticket home loans and loan against property segments.

 

Loan Book Expansion: Loan assets rose to ₹99.5 trillion, up 25% YoY, with retail housing loans contributing the bulk of growth.

 

Profitability Outlook: Net interest income (NII) and fee-based income continued to rise, with analysts projecting Q1 PAT to exceed ₹600 crore.

 

Asset Quality: Gross NPAs remained below 0.3%, while net NPAs held steady at 1%, supported by a provisioning coverage ratio of 60%.

 

Capital Adequacy: BHFL maintained a healthy CAR of 28.24%, with no immediate plans for capital raise in FY26.

 

Digital Edge: The company’s “Bajaj Markets” platform saw a 12% QoQ rise in digital onboarding, enhancing customer acquisition and servicing.

 

With its strategic focus on affordable housing, digital innovation, and disciplined underwriting, Bajaj Housing Finance is fast cementing its position as a dominant force in India’s mortgage lending landscape.

 

Source: Economic Times, CNBC TV18, Trendlyne