Bajaj Housing Finance Updates Investor Presentation Till June 2026
Bajaj Housing Finance released an updated investor presentation till June 2026. The company projects home loan industry growth of 14-16% till FY28. BAJAJHFL's AUM reached ₹1,40,706 Crore by FY26, with a 23% YoY increase in Q4 FY26. For FY27, AUM growth is expected at 21-23%, with GNPA at 30-35 bps and ROA of 2.1-2.3%.
The announcement provides an update on the company's performance and future strategy through an investor presentation. While it contains positive financial indicators and growth projections, it does not announce any immediate, significant corporate actions that would drastically alter the company's immediate market position or value.
The announcement provides an updated investor presentation with positive financial performance and future outlook, including strong AUM growth projections, healthy asset quality, and targeted returns.
Bajaj Housing Finance Limited (BAJAJHFL) has released an updated investor presentation as of June 2026, intended for analysts and institutional investors. This presentation, available on the company's website, details the company's performance, strategic priorities, and outlook.
The home loans industry has witnessed a 12.9% CAGR from FY20 to FY26, with projections indicating a growth of 14-16% until FY28, reaching an estimated portfolio size of approximately ₹60-63 Lakh Crore. Despite banks dominating the market share (~78%), Housing Finance Companies (HFCs) have seen their share moderate. However, BAJAJHFL has consistently expanded its market share from 1.0% to 1.6% (1.7% for FY26), holding approximately 8.5% of the overall NBFC/HFC portfolio for FY26. Comparatively, BAJAJHFL grew at a 22.8% CAGR between FY23-25, significantly outperforming the HFC portfolio growth of 8.8% during the same period.
BAJAJHFL has demonstrated a consistent Assets Under Management (AUM) growth trajectory, reaching ₹1,40,706 Crore by FY26 with a 29% CAGR from FY21-26. Profit After Tax (PAT) has also seen robust growth, with a 41% CAGR from FY21-26. The company's strategic construct focuses on building a sustainable business model through a scalable balance sheet, delivering reasonable returns, a full mortgage product suite, a low-risk business model, and a diversified borrowing mix. Key medium-term outcomes include maintaining a Gross NPA (GNPA) of 40-60 bps, an annualized credit cost of 20-25 bps, a Return on Assets (ROA) of 2.0-2.2%, and a Return on Equity (ROE) of 13-15%.
The company's financial snapshot for Q4 FY26 shows AUM at ₹1,40,706 Crore, a 23% YoY increase. Net Interest Income (NII) grew by 15% to ₹945 Crore, and Profit After Tax (PAT) increased by 14% to ₹669 Crore. For FY26, AUM grew by 23%, Opex to NTI was 19.7%, GNPA stood at 0.27%, and ROA was 2.3%.
Looking ahead to FY27, BAJAJHFL expects AUM growth in the range of 21-23%. Net Interest Margin (NIM) is projected to moderate by 20-25 bps due to stable interest rates and competitive intensity. The company aims to maintain healthy asset quality with GNPA at 30-35 bps and credit costs between 10-15 bps. ROA is assessed at 2.1-2.3% and ROE at 12-13% for FY27. Strategic priorities include optimizing the product mix, increasing home loan penetration to achieve a 5% market share in incremental originations, balancing the liability mix for optimized cost of funds, and enhancing digitalization for seamless processes.
What to do with a filing like this
Bajaj Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. 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.