Bajaj Housing Finance Q1 FY26: AUM Growth 24%, PAT Up 21%
The announcement provides updates on the company's financial performance and future guidance, which is relevant to investors.
Positive financial results including AUM and PAT growth, along with healthy asset quality, suggest a positive outlook.
* Bajaj Housing Finance Limited (BAJAJHFL) reported an AUM growth of 24% and a PAT growth of 21% for Q1 FY26. * AUM grew by ₹5,736 crore, compared to ₹5,701 crore in Q1 FY25. * Disbursements for the quarter were ₹14,651 crore, up from ₹12,400 crore in Q1 FY25, reflecting a 22% increase. * The company's AUM mix includes home loans (55.8%), LAP (10.5%), lease rental discounting (20.4%), and developer financing (11.9%). * Cost of funds decreased by 21 bps sequentially to 7.7% in Q1 FY26. * Gross spread remained flat at 1.8% sequentially, while Net Interest Margin (NIM) stood at 4%. * Asset quality remained healthy, with GNPA at 0.30% and NNPA at 0.13% as of June 30, 2025. * Profit after tax (PAT) increased by 21% to ₹583 crore from ₹483 crore in Q1 FY25. * Annualized ROA for the quarter was 2.3%, and annualized ROE was 11.6%. * Net worth stood at ₹20,508 crore as of June 30, 2025. * Management expects AUM growth for FY26 to be in the range of 21%-23% due to competitive activity and a benign real estate market. * OPEX to NTI is expected to be flat at 20%-21% for FY26. * NII is expected to remain stable, while NIM may moderate by 15-20 bps. * ROA is expected to be in the range of 2%-2.2%, with ROE moderating to 11%-12%.
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Bajaj Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Bajaj Housing Finance Limited. Read the original for the full detail.