Bajaj Housing Finance Ltd.
NSE: BAJAJHFL · Housing Finance Company
Snapshot
Unlock Bajaj Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Housing Finance Limited is a Pune-based housing finance company that provides home loans, loans against property, and lease rental discounting. It serves both individual and corporate clients, including developers engaged in residential and commercial construction projects.
Business Model
The company generates revenue primarily through interest income earned on housing loans, loans against property, and developer financing. It operates as a subsidiary of Bajaj Finance Limited, leveraging the parent company's extensive distribution network and financial expertise.
Growth Outlook
Growth is driven by the increasing demand for residential housing in India and the expansion of commercial real estate financing. The company continues to scale its loan book by catering to both retail home buyers and large-scale property developers.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their home loans or commercial property financing obligations.
- Real Estate Market Cyclicality. A downturn in the Indian real estate sector could reduce demand for new loans and negatively affect the value of collateral.
- Regulatory Risk. Changes in housing finance regulations or monetary policy by the Reserve Bank of India could impact operational flexibility and lending costs.
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Key Metrics
REVENUE
₹12,102 Cr
TTM · standalone
NET PROFIT
₹2,806 Cr
TTM · standalone
EPS
₹3.37
TTM · standalone
RETURN ON EQUITY
12.4%
TTM · standalone
P/E
23.2×
Q2 FY27 · standalone
EBITDA MARGIN
91.6%
TTM · standalone
NET PROFIT MARGIN
23.3%
Q2 FY27 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bajaj Housing Finance Ltd.BAJAJHFL | ₹64,509 Cr | 23.2× | 15.31 | 17.2% | 91.6% | 12.4% | — | -29.1% |
Piramal FinancePIRAMALFIN | ₹42,996 Cr | 22.8× | 9.92 | — | 60.2% | 6.5% | — | — |
PNB Housing Finance Ltd.PNBHOUSING | ₹27,645 Cr | 11.8× | 8.02 | 10.0% | 93.0% | 12.3% | 9.9% | +14.2% |
LIC Housing Finance Ltd.LICHSGFIN | ₹27,157 Cr | 4.6× | — | -0.4% | 95.2% | 14.3% | 6.9% | -13.2% |
Aadhar Housing Finance Ltd.AADHARHFC | ₹18,417 Cr | 16.1× | — | 17.7% | 76.6% | 16.4% | — | -16.9% |
Sammaan Capital Ltd.SAMMAANCAP | ₹13,560 Cr | -1.3× | — | -17.1% | 46.1% | -35.5% | 19.9% | -36.8% |
As of Q2 FY27
Financials
Bajaj Housing Finance Ltd.
NSE: BAJAJHFL · Housing Finance Company
Snapshot
Unlock Bajaj Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Housing Finance Limited is a Pune-based housing finance company that provides home loans, loans against property, and lease rental discounting. It serves both individual and corporate clients, including developers engaged in residential and commercial construction projects.
Business Model
The company generates revenue primarily through interest income earned on housing loans, loans against property, and developer financing. It operates as a subsidiary of Bajaj Finance Limited, leveraging the parent company's extensive distribution network and financial expertise.
Growth Outlook
Growth is driven by the increasing demand for residential housing in India and the expansion of commercial real estate financing. The company continues to scale its loan book by catering to both retail home buyers and large-scale property developers.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their home loans or commercial property financing obligations.
- Real Estate Market Cyclicality. A downturn in the Indian real estate sector could reduce demand for new loans and negatively affect the value of collateral.
- Regulatory Risk. Changes in housing finance regulations or monetary policy by the Reserve Bank of India could impact operational flexibility and lending costs.
Start your research today
Unlock AI insights, financials, peers and live data on Bajaj Housing Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹12,102 Cr
TTM · standalone
NET PROFIT
₹2,806 Cr
TTM · standalone
EPS
₹3.37
TTM · standalone
RETURN ON EQUITY
12.4%
TTM · standalone
P/E
23.2x
Q2 FY27 · standalone
EV/EBITDA
15.3x
Q3 FY26 · standalone
EBITDA MARGIN
91.6%
TTM · standalone
NET PROFIT MARGIN
23.3%
Q2 FY27 · standalone
Peers · Housing Finance Company
As of Q2 FY27