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Bajaj Housing Finance Q4 FY26 Results: Bajaj Group firm AUM up 23%, profit rises 14% - Check details
Bajaj Housing Finance Limited reported its financial results for the quarter and year ended 31 March 2026 after a meeting of its Board of Directors. The company said its performance during Q4 FY26, and FY26 was driven by growth in assets, income, profit and loan book. It also reported stable asset quality metrics.
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Bajaj Housing Finance Limited reported its financial results for the quarter and year ended 31 March 2026 after a meeting of its Board of Directors. Image Credit: Freepik
Written By: Anubhav Maurya
Updated: Mon, Apr 27, 2026
06:05 PM IST
06:05 PM IST
ZeeBiz WebDesk
Bajaj Housing Finance Limited reported its financial results for the quarter and year ended 31 March 2026 after a meeting of its Board of Directors.
The company said its performance during Q4 FY26, and FY26 was driven by growth in assets, income, profit and loan book. It also reported stable asset quality metrics.
Bajaj Housing Finance Q4 FY26 performance
Assets under management (AUM) increased 23 per cent year-on-year to Rs 1,40,706 crore in Q4 FY26 from Rs 1,14,684 crore in Q4 FY25. Loan assets stood at Rs 1,23,745 crore compared with Rs 99,513 crore in the same period last year.
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Net worth stood at Rs 22,527 crore as against Rs 19,932 crore a year ago. Disbursements during the quarter were Rs 17,506 crore compared with Rs 14,254 crore in Q4 FY25.
Interest income stood at Rs 2,707 crore in Q4 FY26 compared with Rs 2,374 crore in Q4 FY25. Interest expenses were Rs 1,762 crore compared with Rs 1,551 crore. Net interest income was Rs 945 crore compared with Rs 823 crore, reflecting an increase of 15 per cent year-on-year.
Fee and commission income stood at Rs 94 crore compared with Rs 51 crore. Income from the sale of services and de-recognised loans stood at Rs 83 crore compared with Rs 47 crore. Other income was Rs 12 crore compared with Rs 6 crore.
Net total income stood at Rs 1,141 crore compared with Rs 954 crore, an increase of 20 per cent.
Operating expenses stood at Rs 220 crore compared with Rs 208 crore. The operating expenses to net total income ratio stood at 19.2 per cent compared with 21.8 per cent.
Pre-provisioning operating profit stood at Rs 921 crore compared with Rs 746 crore. Loan losses and provisions stood at Rs 55 crore compared with Rs 26 crore.
Profit before tax stood at Rs 866 crore compared with Rs 720 crore. Profit after tax stood at Rs 669 crore compared with Rs 587 crore.
Return on assets (annualised) stood at 2.3 per cent in Q4 FY26 compared with 2.4 per cent in Q4 FY25. Return on equity (annualised) stood at 12.2 per cent compared with 12.1 per cent.
Bajaj Housing Finance FY26 performance
For the full year FY26, AUM stood at Rs 1,40,706 crore compared with Rs 1,14,684 crore in FY25. Loan assets stood at Rs 1,23,745 crore compared with Rs 99,513 crore.
Interest income stood at Rs 10,512 crore compared with Rs 8,986 crore, an increase of 17 per cent. Interest expenses stood at Rs 6,760 crore compared with Rs 5,979 crore. Net interest income stood at Rs 3,752 crore compared with Rs 3,007 crore, an increase of 25 per cent.
Fee income stood at Rs 298 crore compared with Rs 201 crore. Income from the sale of services stood at Rs 216 crore compared with Rs 177 crore. Other income stood at Rs 39 crore compared with Rs 26 crore.
Net total income stood at Rs 4,391 crore compared with Rs 3,575 crore. Operating expenses stood at Rs 867 crore compared with Rs 747 crore. The operating expenses to net total income ratio stood at 19.7 per cent compared with 20.9 per cent.
Pre-provisioning operating profit stood at Rs 3,524 crore compared with Rs 2,828 crore. Loan losses and provisions stood at Rs 191 crore compared with Rs 58 crore.
Profit before tax stood at Rs 3,320 crore compared with Rs 2,770 crore. Profit after tax stood at Rs 2,560 crore compared with Rs 2,163 crore.
Bajaj Housing Finance: Asset quality and capital position
Gross non-performing assets stood at 0.27 per cent as of 31 March 2026 compared with 0.29 per cent a year ago. Net non-performing assets stood at 0.11 per cent, unchanged from the previous year. Provisioning coverage on stage 3 assets stood at around 60 per cent.
Capital adequacy ratio, including Tier II capital, stood at 22.46 per cent as of 31 March 2026.
Bajaj Housing Finance Company details
Bajaj Housing Finance Limited is a non-deposit-taking housing finance company registered with the National Housing Bank since 2015 and operational since 2017. It is classified as an Upper Layer NBFC under the Reserve Bank of India scale-based regulations.
The company has been listed on NSE and BSE since September 2024 and is regulated by RBI, SEBI and IRDAI, with supervision from the National Housing Bank.
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Anubhav Maurya
Anubhav Maurya
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