Bajaj Housing Finance Ltd

📈 Bajaj Housing Finance Q4 FY26: 23% AUM Growth, 20% PBT Increase

• AUM growth of 23% YoY to ₹140,706 crore

• Disbursements grew 23% YoY to ₹17,506 crore

• Home Loans grew 18% YoY

• Loan Against Property grew 24% YoY

• Lease Rental Discounting grew 44% YoY

• Profit Before Tax (PBT) increased by 20% YoY to ₹866 crore

• Profit After Tax (PAT) rose 14% to ₹669 crore (20% excluding one-time tax benefit)

• Operating efficiency improved with Opex to Net Total Income at 19.2% vs 21.8% in Q4 FY25

• Cost of Funds was 7.3% in Q4 FY26

• Return on Assets at 2.3%

• Return on Equity at 12.1%

• Asset quality remained stable with Gross NPA at 0.27% and Net NPA at 0.11%

• Capital Adequacy Ratio stood at 22.46% as of March 31, 2026

• Full-year FY26 PAT growth of 18% to ₹2,560 crore