Bajaj Housing Finance Stock Price - ₹82.95 | Financial Services

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The Quarter story

The two most recent quarterly results, compared side-by-side.

Bajaj Housing Finance expands its loan book and boosts profitability, supported by strong asset quality and digital adoption, while managing minor margin compression.

Consolidated AUM grew from ₹1,20,420 Cr to ₹1,40,706 Cr from Q1 to Q4 FY26 — steady portfolio expansion across home loans and commercial segments

Net interest margin eased from 4.0% to 3.8% from Q3 to Q4 FY26 — funding cost pressures and competitive lending rates compress core profits

Profit after tax surged from ₹583 Cr to ₹2,560 Cr from Q1 to Q4 FY26 — strong earnings driven by higher disbursements and fee income

Bank borrowings mix increased from 36.9% to 40.8% from Q1 to Q4 FY26 — growing dependence on bank debt requires careful liquidity and interest rate management

Gross NPA ratio improved from 0.30% to 0.27% from Q1 to Q4 FY26 — consistent underwriting keeps asset quality healthy

Capital adequacy ratio declined from 26.94% to 22.46% from Q1 to Q4 FY26 — fast loan book expansion dilutes capital buffers, though levels stay safely above regulatory minimums

Provisioning coverage ratio rose from 56.25% to 60% from Q1 to Q4 FY26 — stronger buffers protect against potential credit losses

Customer onboarding penetration climbed from 88% to 95% from Q1 FY26 to Q1 FY27 — digital workflows accelerate loan processing and reduce manual effort

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