Bajaj Housing Finance Limited — Investor Meet, 05-12-2025: Analysts/Institutional Investor Meet/Con. Call Updates

BHFL's Investor Day presentation revealed strong financial results for the half-year. Assets Under Management (AUM) jumped 24% YoY to ₹1,26,749 Cr, with Loan Assets rising 26% to ₹1,13,059 Cr. Net Interest Income surged 34% to ₹1,843 Cr, and Profit After Tax grew 19% to ₹1,226 Cr. The company's operational efficiency improved, with Opex to NTI at 20.3%, and asset quality remained robust with a Gross NPA of 0.26%.

Management outlined strategic priorities for sustained growth, including targeting 5% market share in incremental home loan originations and reducing Opex to NTI to 14-15% through ongoing digitalization. BHFL aims to maintain a balanced product mix and strong asset quality. The company projects an AUM growth of 21-23% and ROA of 2.0-2.2% for FY26, signaling a confident outlook on market expansion and operational excellence.