Bajaj Housing Finance Limited (NSE:BAJAJHFL) filed an updated investor day presentation with BSE and NSE on 18 August 2026 under Regulation 30 of SEBI (LODR) Regulations, 2015. The presentation, covering data updated through June 2026, was prepared for analysts and institutional investor meetings and is available on the company's official website.
Key Highlights
- The company's Assets Under Management reached Rs 1,40,706 crore as of FY26, reflecting a 29% CAGR over the five years from FY21 to FY26.
- Bajaj Housing Finance reported a Gross NPA ratio of 0.27% for FY26, which the company describes as among the lowest for large players in the housing finance industry.
- The company's home loan market share expanded from 1.0% in FY20 to 1.7% in FY26, with an approximately 8.5% share within the broader NBFC and HFC segment for FY26.
- The presentation discloses medium-term return targets of ROA of 2.0–2.2% and ROE of 13–15%, alongside a construction finance portfolio target of 12–15% of total AUM.
About the Company
Bajaj Housing Finance Limited (NSE:BAJAJHFL), headquartered in Pune, is a Housing Finance Company registered with the National Housing Bank and a subsidiary of Bajaj Finance Limited. It offers home loans, loans against property, lease rental discounting, and developer financing across 182 locations in India. The company raised Rs 5,560 crore through its IPO and listed on the exchanges in FY25.
Announcement in Detail
The filing submitted by Company Secretary Atul Patni discloses a corporate presentation updated through June 2026, made available under the 'Investor Presentation – FY27' section on the company's website. The document covers four sections: industry market, company overview, the year gone by, and strategic priorities. The home loans industry grew at a 12.9% CAGR from FY20 to FY26, reaching Rs 44.4 lakh crore, and is projected by CRIF Highmark and Crisil Intelligence to expand at a 14–16% CAGR through FY28, reaching Rs 60–63 lakh crore.
The presentation outlines five strategic pillars: scalable balance sheet, low-risk business model, full mortgage product suite, diversified borrowing mix, and delivery of reasonable return. As of Q1 FY27, the company's borrowing mix comprised NCDs at 46.5%, bank borrowings at 38.3%, NHB refinance at 9.8%, commercial paper at 5.3%, and inter-corporate deposits at 0.1%. The home loan portfolio of Rs 80,865 crore is sourced from 182 locations, while the LRD book stands at Rs 34,604 crore across 17 locations with 332 active customers.
Impact on Investors
Investors will note that this filing is a disclosure of a presentation prepared for institutional audiences and does not constitute a financial result or a board-level corporate action. The filing shows that the company has disclosed medium-term financial targets, including an ROA range of 2.0–2.2% and ROE of 13–15%, which shareholders will observe are stated as company ambitions within the presentation rather than as audited outcomes or forward guidance filed under regulatory obligation.
The disclosed terms indicate that Bajaj Housing Finance's AUM grew from Rs 69,228 crore in FY25 to Rs 1,40,706 crore in FY26, and PAT stood at Rs 2,560 crore for FY26. Shareholders will observe that the Sambhav home loan segment constitutes 12% of the current home loans portfolio, with a stated target of growing this to approximately 20% of new home loan acquisitions, reflecting the company's stated intent to deepen presence in the near-prime and affordable segment.
Sector / Market Context
India's housing finance sector has recorded consistent growth, with the overall home loans portfolio reaching Rs 44.4 lakh crore in FY26, according to CRIF Highmark and Crisil Intelligence data cited in the presentation. Banks continue to dominate with approximately 78% market share, while HFCs held 18.3% in FY25. Government programmes such as Housing for All and rising per capita income have supported sustained credit demand across segments.