Bajaj Housing Finance H1FY27 AUM Crosses ₹1.5 Lakh Crore, PAT Rises 20% to ₹1,472 Crore
Bajaj Housing Finance's AUM grew 25% to ₹1,58,205 crore in H1 FY27. Profit after tax increased 20% to ₹1,472 crore. The company projects FY27 AUM growth of 21-23% and maintains strong asset quality with GNPA at 29 bps. 'Sambhav loans' now contribute 16% of home loan originations.
The announcement includes key financial results, AUM milestones, and forward-looking guidance, which are material information for investors and stakeholders, impacting investment decisions and company valuation.
The company reported significant growth in AUM and PAT, crossed a major milestone, and provided positive guidance for the upcoming fiscal year, indicating strong financial health and growth prospects.
Bajaj Housing Finance Limited (BHFL) has announced its financial results for the half-year ended September 30, 2026 (H1 FY27). The company has crossed the significant milestone of ₹1.5 lakh crore in Assets under Management (AUM), marking its highest-ever disbursements and AUM addition in an H1 period.
AUM grew by 25% year-on-year to ₹1,58,205 crore, while profit after tax (PAT) increased by 20% to ₹1,472 crore. The company maintained strong asset quality with Gross Non-Performing Assets (GNPA) at 29 basis points (bps) as of September 30, 2026. BHFL continues to be the largest private Housing Finance Company (HFC) in the mortgage industry.
The company's strategy of deepening its presence in prime, near-prime, and affordable customer segments is progressing, with 'Sambhav loans' for near-prime and affordable customers now contributing approximately 16% of home loan originations. BHFL aims for a 20% share of home loan originations in the medium term while adhering to prudent underwriting standards.
For the full fiscal year 2027 (FY27), BHFL has provided guidance, projecting AUM growth between 21-23%, Net Interest Margin (NIM) moderation of 20-25 bps, and Opex to Net Total Income between 19-20%. The company expects Gross NPA to be in the range of 30-35 bps, credit cost at 10-15 bps, Return on Assets (ROA) between 2.1-2.3%, and Return on Equity (ROE) between 12-13%.
In H1 FY27, net interest income rose 10% year-on-year to ₹2,023 crore, and net total income increased by 16% to ₹2,429 crore. Operating expenses to Net Total Income moderated to 19.3%. Profit before tax (PBT) grew by 20% to ₹1,908 crore. The company maintained a healthy capital adequacy ratio (CRAR) of 21.24%, well above the regulatory requirement of 15%. BHFL also reported a liquidity surplus of ₹2,487 crore.
What to do with a filing like this
Bajaj Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under other results related. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Bajaj Housing Finance Limited. Read the original for the full detail.