Bajaj Housing Finance announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Assets under management grew by 26% to Rs 1,14,684 crore as of 31 March 2025 from Rs 91,370 crore as of 31 March 2024. Net interest income increased by 31% in Q4FY25 to Rs 823 crore from Rs 629 crore in Q4FY24. Net total income increased by 34% in Q4FY25 to Rs 958 crore from Rs 717 crore in Q4FY24. Operating Expenses to Net Total Income for Q4FY25 was 21.7% as against 27% in Q4FY24. Loan losses and provisions for Q4FY25 was Rs 30 crore as against Rs 35 crore in Q4FY24. Profit before tax for Q4FY25 increased by 48% to Rs 720 crore from Rs 488 crore in Q4FY24. Profit after tax for Q4FY25 increased by 54% to Rs 587 crore from Rs 381 crore in Q4FY24. Gross NPA and Net NPA as of 31 March 2025 stood at 0.29% and 0.11 % respectively, as against 0.27% and 0.10% as of 31 March 2024. Provisioning coverage ratio on stage 3 assets at 60%. FY25 Financial Highlights: Net interest income increased by 20% in FY25 to Rs 3,007 crore from Rs 2,510 crore in FY24. Net total income increased by 23% in FY25 to Rs 3,597 crore from Rs 2,925 crore in FY24. Operating Expenses to Net Total Income for FY25 was 20.8% as against 24% in FY24. Loan losses and provisions in FY25 was Rs 80 crore as against Rs 61 crore in FY24. Profit before tax increased by 28% in FY25 tot 2,770 crore from Rs 2,161 crore in FY24. Profit after tax increased in FY25 by 25% to Rs 2,163 crore from Rs 1,731 crore in FY24. Capital adequacy ratio (including Tier II capital) as of 31 March 2025 was 28.24%. The Company enjoys the highest credit rating of AAA/Stable for its long-term debt programme from CRISIL and India Ratings and A1+ for short-term debt programme from CRISIL and India Ratings. Result PDF