Bajaj Housing Finance Posts ₹5.83 Billion Profit In Q1 On Strong Home Loan Demand

Bajaj Housing Finance Ltd has reported a consolidated net profit of ₹5.83 billion for the quarter ended June 2025, supported by sustained momentum in home loan disbursements and disciplined cost management. Total revenue from operations stood at ₹26.16 billion, reflecting the company’s expanding footprint in the mortgage lending space.

 

Key Highlights From Q1 FY26 Performance

 

- Net profit rose 18.6 percent year-on-year, driven by higher net interest income and stable asset quality

- Operating revenue grew 22.4 percent sequentially, with strong traction in salaried and self-employed home loan segments

- Net interest margin remained healthy at 4.1 percent, supported by a diversified funding mix and improved cost of funds

- Gross non-performing assets stood at 0.29 percent, indicating prudent underwriting and portfolio monitoring

 

Strategic Developments And Business Expansion

 

- The company added over ₹9 billion in new loan assets during the quarter, with a focus on Tier 2 and Tier 3 cities

- Bajaj Housing Finance continues to invest in digital onboarding and AI-led credit assessment tools to enhance scalability

- Liquidity coverage ratio remained strong at 179 percent, well above regulatory norms

 

Outlook

 

With robust fundamentals and a tech-enabled lending model, Bajaj Housing Finance is well-positioned to capitalize on India’s growing housing demand while maintaining risk discipline and operational efficiency.

 

Sources: Economic Times, Moneycontrol, Bajaj Housing Finance Filings, Business Standard, Investing.com.