Conference Call with Bajaj Housing Finance Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Housing Finance company Bajaj Housing Finance announced Q1FY26 results Assets under management grew by 24% to Rs 1,20,420 crore as of 30 June 2025 from Rs 97,071 crore as of 30 June 2024. Net interest income increased by 33% in Q1FY26 to Rs 887 crore from Rs 665 crore in Q1FY25. Net total income increased by 25% in Q1FY26 to Rs 1,012 crore from Rs 810 crore in Q1FY25. Operating Expenses to Net Total Income for Q1FY26 was 21.2% as against 21.0% in Q1FY25. Loan losses and provisions for Q1FY26 was Rs 41 crore as against Rs 10 crore in Q1FY25. Profit before tax increased by 20% in Q1FY26 to Rs 757 crore from Rs 630 crcire in Q1FY25. Profit after tax increased by 21% in Q1FY26 to Rs 583 crore from Rs 483 crore in Q1FY25. Gross NPA and Net NPA as of 30 June 2025 stood at 0.30% and 0.13% respectively, as against 0.28% and 0.11% as of 30 June 2024. Provisioning coverage ratio on stage 3 assets at 56%. Capital adequacy ratio (including Tier-II capital) as of 30 June 2025 was 26.94%. 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