Bajaj Housing Finance Limited — PPTs, 11-05-2026: Investor Presentation

Bajaj Housing Finance (BHFL) saw its Assets Under Management (AUM) jump 23% to ₹140,706 Cr in FY26, with profit after tax (PAT) climbing 18% to ₹2,560 Cr. The broader home loan industry, currently around ₹45.5 Trillion, is set for 14-16% CAGR growth to ₹60-63 Trillion by FY28, offering significant expansion opportunities for BHFL. The company's market share has steadily grown from 1.0% (FY20) to 1.7% (FY26E).

BHFL aims to become a top mortgage player, targeting 5% market share in new home loan originations. Strategic priorities include optimizing its diverse product mix (Home Loans, LRD, DF, LAP), expanding distribution, and entering new customer segments and markets. Digitalization is key, with high adoption (e.g., 96% e-agreement penetration) driving efficiency and aiming for an Opex to NTI ratio of 14-15%. BHFL maintains a robust, low-risk business model, reflected in its low Gross NPA of 0.27% and healthy Return on Average Assets (ROA) of 2.3%. The company anticipates continued strong AUM growth and efficiency gains while upholding asset quality.