What we do Bajaj Housing Finance Limited offers retail and commercial mortgage loans across India, including home loans, loans against property, lease rental discounting, and developer financing. |
Founded in 2,008 |
Market share Among largest non-deposit taking housing finance companies with diversified mortgage portfolio and significant AUM growth. |
Problem solved Provides tailored financial solutions for purchasing, renovating residential and commercial properties addressing housing finance needs. |
Top clients or who we serve Serves individual homebuyers, self-employed, salaried individuals, and large real estate developers; operates in B2C and B2B segments. |
Key management - |
Our journey and innovations Founded in 2008, started lending in 2018, classified as NBFC-UL in 2022, IPO in 2024, and crossed ₹100,000 crore AUM in 2025 with digital onboarding innovations. |
Where we operate Primarily operates across urban and rural India with growing footprint in 20 states/UTs and over 170 locations. |
Top products or what we offer Home loans, loans against property, lease rental discounting, developer financing, and unsecured loans across borrower segments. |
Top brands Sambhav Home Loans (affordable housing product) launched in FY2025; full suite of mortgage products under Bajaj Housing Finance brand. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Income largely recurring through interest on loans with stable collection and portfolio growth. |
Our industry position Leading HFC with strong credit ratings, diversified portfolio, prudent risk management, and robust capital adequacy. |
Financial highlights FY2025 revenue ₹9576 Cr, PAT ₹2163 Cr, 26% AUM growth to ₹114,684 Cr, net NPA 0.11%, CRAR 23.15%. |
Geographical revenue split Revenue primarily from Indian mortgage operations across multiple states and regions. |
Order book - |
Whats driving growth Growth driven by increasing housing demand, product diversification, digital adoption, and regulatory compliance. |
Our future plans Expand near prime and affordable home loans, invest in digital initiatives, and maintain asset quality while scaling AUM. |
Our green promise Energy-efficient offices, cloud-based IT infrastructure, and sustainability embedded in operations. |
Our people and values Over 2000 employees focused on customer-centric culture, ethics, diversity, and compliance. |
Key challenges ahead Competitive pressures, real estate market risks, regulatory changes, and maintaining asset quality. |
Interesting facts IPO oversubscribed 68 times in 2024; first IPO from Bajaj group after 30 years; low NPA levels; digital transformations. |
Risks and strategy Mitigates credit risk with strong underwriting, diversified portfolio, early warning systems, and robust governance. |
