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Introduction
Bajaj Housing Finance Ltd. reported another quarter of strong growth in Q1 FY26, with gross disbursements rising 22 % and Assets Under Management expanding 24 % year-on-year. This analysis covers key metrics, peer comparisons, industry drivers and the company’s growth outlook — essential insights for investors.
Q1 FY26 Key Metrics
🟢 Gross Disbursements: ₹ 14,640 cr vs. ₹ 12,004 cr (+22 %)
🟢 Assets Under Management (AUM): ₹ 1,20,400 cr vs. ₹ 97,071 cr (+24 %)
🟢 Loan Assets (AR): ₹ 1,05,940 cr vs. ₹ 85,283 cr (+24 %)
Peer Group AUM Comparison
Compare Bajaj HFL against industry peers as of 30 June 2025:
• Bajaj Housing Finance Ltd. — ₹ 1,20,400 cr (+24 %)
• Bajaj Finance Ltd. — ₹ 4,41,400 cr (+25 %)
• PNB Housing Finance Ltd. — ~₹ 70,000 cr (+15 %)
• LIC Housing Finance Ltd. — ~₹ 1,10,000 cr (+18 %)
Industry Outlook
• Housing finance market projected to grow ~15–16 % CAGR to ₹ 80 trn by FY30
• Affordable housing segment set to expand ~22–23 % CAGR over FY25–26
• Overall HFC loan book growth expected ~13.5 % in FY26
Growth Drivers
• Robust home loan demand in metros and Tier II/III cities
• Government subsidies (PMAY) and GST benefits on under-construction properties
• Competitive lending rates and digital distribution channels
Future Prospects
Management targets ₹ 55,000 cr in annual disbursements and ₹ 1.5 lakh cr AUM by end-FY26. Continued focus on retail home loans, premium housing finance and secured non-home loans should drive margin expansion and maintain asset quality.
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