Bajaj Housing Finance Q4 FY26: AUM Grows 23%, PBT Up 20%, PAT Up 14%
Bajaj Housing Finance reported Q4 FY26 AUM of ₹1,40,706 Crore, up 23% YoY. PBT increased 20% to ₹866 Crore, and PAT rose 14% to ₹669 Crore. Operating efficiency improved with Opex to NTI at 19.2%. Asset quality remained stable with GNPA at 0.27%. For FY26, PBT grew 20% and PAT by 18%.
The announcement includes key financial results like AUM growth, PBT, and PAT, along with improvements in operational efficiency and stable asset quality. These are material financial indicators that significantly impact investor perception and the company's valuation.
The company reported strong year-on-year growth in key financial metrics such as AUM, PBT, and PAT. Operating efficiency improved, and asset quality remained stable, indicating a healthy financial performance.
Bajaj Housing Finance Limited (BAJAJHFL) has announced its financial results for the quarter and year ended March 31, 2026. The company reported a 23% year-on-year (YoY) growth in Assets Under Management (AUM) to ₹1,40,706 Crore for Q4 FY26. Profit Before Tax (PBT) saw a 20% YoY increase, reaching ₹866 Crore, while Profit After Tax (PAT) grew by 14% YoY to ₹669 Crore. This PAT growth was influenced by a one-time tax benefit of approximately ₹34 Crore in Q4 FY25.
Excluding this one-time impact, normalized PAT growth for Q4 FY26 would have been 20% YoY. The company's operating efficiency improved, with the Opex to Net Total Income (NTI) ratio at 19.2% in Q4 FY26, down from 21.8% in Q4 FY25. Asset quality remained stable, with Gross Non-Performing Assets (GNPA) at 0.27% and Net Non-Performing Assets (NNPA) at 0.11%.
For the full fiscal year FY26, PBT grew by 20% and PAT increased by 18%. The annualized Return on Assets (RoA) stood at 2.3% and Return on Equity (RoE) at 12.1%. The Opex to NTI ratio improved by 120 basis points over the year, from 20.9% in FY25 to 19.7% in FY26. The company also noted that its Capital Adequacy Ratio (CRAR) was 22.46% as of March 31, 2026, well above the regulatory requirement of 15.00%.
Bajaj Housing Finance also made available an investor presentation for the quarter ended March 31, 2026, and hosted a conference call on April 27, 2026, at 6:00 p.m. IST to discuss the results.
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Bajaj Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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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.