The company paid approximately RS 15,900 crore in Q2 FY26, an increase of 32% compared to RS 12,014 Crore in the same quarter last year. The AUM amounted to RS 1.26,740 Crore from 30 September 2025, which reflects an annual basis of 24% compared to RS 1,02.569 Crore a year ago. Aum was expanded with approximately RS 6.320 Crore during the quarter.
Loan assets (claims from the advances) were 1,13.050 Crore, an increase in RS 89,878 Crore last year. The growth emphasizes the ability of Bajaj Housing to scale his home financing and loan against real estate book in the midst of a steady demand for home credit.
About the company
Bajaj Housing Finance is currently the fastest growing and the second largest housing financing company in India and clocks a five -year AUM CAGR of almost 29% between FY20 and FY25. From June 2025 the AUM was already on RS 1.2 Lakh Crore, which strengthened its strong route.
Analysts note that the company benefits from the support of the BAJAJ Group, a granular and low risk operating model, a diversified loan mix with products with a higher efficiency and a technically driven scalable distribution platform. These factors, they say, give the lender a competitive advantage in the fragmented housing financing space.
However, return ratios can remain moderate in the short term. “Roe is expected to remain about 13-14% due to intense competition and relatively lower yields in the main segment of the first housing loan,” Motilal Oswal said in coverage.
Valuation also seem rich, with BHFL trade on 3.6x price-to-book and 29x FY27 estimated income. The brokerage has modeled AUM and PAT CAGR of approximately 22% each over FY25-28, with Roa/roe of 2.3% and 14.2% in FY28 respectively. It has a neutral assessment and a target price of RS 120.
Although the competition could record the yields in home loans, the scale of Bajaj Housing, trademark and distribution is expected to keep the growth stable. The ability of the company to maintain its pace of expansion while managing margins is closely followed by investors.
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