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
Conference Call with Bajaj Housing Finance Management and Analysts on Q3FY25 Performance and Outlook. Listen to the full earnings transcript.
Housing Finance company Bajaj Housing Finance announced Q3FY25 results AUM: Rs 1,08,314 crore compared to Rs 85,929 crore during Q3FY24, change 26%. Net Total Income: Rs 933 crore compared to Rs 746 crore during Q3FY24, change 25%. PBT: Rs 713 crore compared to Rs 572 crore during Q3FY24, change 25%. PAT: Rs 548 crore compared to Rs 437 crore during Q3FY24, change 25%. Ratios for Q3FY25: Opex to NTI: 19.8%. Loan loss to Average Loan Assets: 0.15%. Return on Average Loan Assets: 2.4%. Return on Average Equity: 11.5%. Earning per share - Basic: 0.66. Earning per share - Diluted: 0.66. Result PDF