Bajaj Housing Finance Ltd. · NSE:BAJAJHFL
Bajaj Housing Finance — Q1 FY27 Earnings Presentation
47 slides from Bajaj Housing Finance's earnings presentation, Jul 29, 2026
Slide 1: Investor Presentation Q1 FY27
INVESTOR PRESENTATION Q1 FY27 29 Jul 2026
Slide 2: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 3: Quarterly Synopsis
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Synopsis Overall strong quarter across metrics with highest ever quarterly AUM growth and quarterly disbursement in Q1
Slide 4: Quarterly Financial Indicators: AUM and Disbursement Growth
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS BUSINESS METRICS ✓ Highest ever quarterly AUM growth at ₹ 8,918 ↑ 24% AUM Cr in Q1 FY2
Slide 5: Quarterly Financial Indicators: Cost of Funds and Efficiency
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS COST OF FUNDS & LIQUIDITY ✓ COF moderation of 7 bps on sequential basis 7.2% COF 7.3%
Slide 6: Quarterly Financial Indicators: Asset Quality and Profitability
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS ASSET QUALITY ₹ 16 Cr | Q1 FY27 0.29% 0.27% | Q4 FY26 ✓ Asset quality was healthy duri
Slide 7: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 8: Part of Bajaj Group
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Part of Bajaj Group Bajaj Finserv Limited (Listed) 51.30%1 77.33%2 77.33%2 100% 100% 100%3 100%4 Bajaj Alternate
Slide 9: Journey at a glance
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Journey at a glance FY18 FY20 FY22 FY24 FY26 ▪ Started lending FY19 ▪ Crossed AUM FY21 ▪ Crossed AUM FY23 ▪ Cros
Slide 10: Consistent Financial Performance: 9-year Financial Snapshot
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Consistent Financial Performance: 9-year Financial Snapshot ₹ in Crore CAGR Financials Snapshot FY18 FY19 FY20 F
Slide 11: Company's internal structure is aligned with customer segments
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Company’s internal structure is aligned with customer segments 3 Business Verticals Retail Retail Commercial (Ne
Slide 12: Largest non-deposit taking HFC offering full suite of mortgage products
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Largest non-deposit taking HFC offering full suite of mortgage products » Commercial Lease Rental » Salaried Pri
Slide 13: Omnichannel sourcing strategy
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Omnichannel sourcing strategy RETAIL COMMERCIAL HOME LOAN AGAINST LEASE RENTAL DEVELOPER LOAN PROPERTY DISCOUNTI
Slide 14: Strong risk management delivering healthy asset quality
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Strong risk management delivering healthy asset quality RETAIL COMMERCIAL » Underwriting through centralized hub
Slide 15: Seamless Customer Journey from Origination to Service through Digital Initiatives
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Seamless Customer Journey from Origination → Service through Digital Initiatives Faster Onboarding Customer Onbo
Slide 16: Scalable IT architecture – Tech Enabler for enhancing customer experience
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Scalable IT architecture – Tech Enabler for enhancing customer experience Single Platform for Core Applications
Slide 17: Leveraging AI Initiatives for better experience and enhanced controllership
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOSUING FINACNE Leveraging AI Initiatives for better experience and enhanced controllership KEY FOCUS ENHANCE SEAMLESS & CUSTOME
Slide 18: AI Capabilities at BHFL
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOSUING FINACNE AI Capabilities at BHFL ▪ Contextual human-like conversations outbound voice ▪ 24*7 conversation AI platform to
Slide 19: Strategic Differentiators
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Strategic Differentiators Focus on building scalable balance sheet with Prime SCALABLE BALANCE SHEET Housing and
Slide 20: Shareholding Profile
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Shareholding Profile Holding of Top-20 Investors S. No. Name of Shareholder Holding % 1 Bajaj Finance Limited 86
Slide 21: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 22: Quarterly Financial Snapshot
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 FINANCIAL PERFORMANCE Quarterly Financial Snapshot ₹ in Crore Financials Snapshot Q1 FY27 Q1 FY26 YoY FY26 FY25 YoY Assets under management 149,62
Slide 23: Key Financial Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 FINANCIAL PERFORMANCE Key Financial Trends ₹ in Crore ASSETS INCOME 149,624 133,412 140,706 120,420 126,749 2,884 2,903 3,063 114,684 2,616 2,748
Slide 24: Key Financial Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 FINANCIAL PERFORMANCE Key Financial Trends PORTFOLIO YIELD, COF AND GROSS SPREAD MARGIN AND OPERATING EFFICIENCY 9.8% 9.9% 9.8% 9.7% 9.5% 9.3% 9.1
Slide 25: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 26: Diversified Borrowing Mix supported by highest possible domestic credit rating
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 TREASURY UPDATE Diversified Borrowing Mix supported by highest possible domestic credit rating Focus on Longer tenor Highest possible funding thro
Slide 27: Behaviouralized ALM position
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 TREASURY UPDATE Behaviouralized ALM position 10% 9% 17% 10% 7% 10% 6% 0% (1%) 0% (10%) (10%) (20%) 100% 100% 74% 74% 56% 56% 28% 26% 15% 13% 7% 10
Slide 28: Key Sustainability Ratios
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 TREASURY UPDATE Key Sustainability Ratios 8 times# 6.0 5.6 5.8 5.4 5.5 5.5 5.0 5.1 5.2 28.98% 28.24% 27.86% 26.94% 26.12% 23.82% 28.46% 27.72% 23.
Slide 29: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 30: Most Diversified HFC straddling across mortgage products
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Most Diversified HFC straddling across mortgage products AUM Mix 1.4% 1.2% 1.1% 11.9% 11.5% 11.4% 20.4% 22.4% 23.1% 55.8% 54.
Slide 31: Home Loans
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Home Loans Offering spanning across all home loan transactions spectrum: New home purchase, resale, balance transfer and AUM
Slide 32: Sambhav Housing (Near-prime and Affordable)
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Sambhav Housing (Near-prime and Affordable) : Distinct Business Model for Expanding Addressable Customer Segment and Yield Hi
Slide 33: Loans Against Property
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Loans Against Property Sourcing from both intermediaries as well as direct-to- AUM 15,445 Cr customer channels Covering all c
Slide 34: Lease Rental Discounting
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Lease Rental Discounting LRD offering across stabilized commercial assets including AUM 34,604 Cr office space, warehousing a
Slide 35: Developer Finance
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 BUSINESS WISE UPDATE Developer Finance Offering construction finance for residential as well as AUM 17,002 Cr commercial real estate Granular book
Slide 36: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 37: Asset Quality Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 ASSET QUALITY Asset Quality Trends 99.35% 99.39% 99.34% 99.39% 99.36% 99.39% 99.36% 99.37% 99.39% 0.38% 0.32% 0.37% 0.32% 0.34% 0.34% 0.37% 0.36%
Slide 38: Product Level NPA and Provisioning Coverage
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 ASSET QUALITY Product Level NPA and Provisioning Coverage ₹ in Crore GNPA % NNPA % AUM Particulars GNPA NNPA PCR (%) 30 Jun 26 30 Jun 25 31 Mar 26
Slide 39: Product Level Stagewise Provisioning
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 ASSET QUALITY Product Level Stagewise Provisioning ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stag
Slide 40: Table of Contents
Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Management Assessmen
Slide 41: Management assessment for FY27
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 MANAGEMENT ASSESSMENT – FY27 Management assessment for FY27 ▪ Geopolitical factors since last quarter have brought cascading impact on economic ou
Slide 42: Management assessment of key financial indicators
Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 MANAGEMENT ASSESSMENT – FY27 Management assessment of key financial indicators # Key Indicators FY26 Assessment FY26 Actual FY27 Assessment 1 AUM
Slide 43: Thank You
THANK YOU 35 43
Slide 44: Disclaimer
Disclaimer This presentation can not be copied and/or disseminated in any manner. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any person. This presentation does not constitute an offer or invitation to purchase
Slide 45: Behaviouralized ALM snapshot
ANNEXURE Behaviouralized ALM snapshot ₹ in Crore Particulars 1-7 D 8-14 D 15-30/31 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 87 5 2 2 86 115 2,226 - - - 2,523 Advances 1,313 516 1,752 2,877 2,796 8,026 14,412 39,408 22,958 37,103 131,161 Other inflows 540 1,200 1,66
Slide 46: Abbreviation
ANNEXURE Abbreviation Term Full Form Term Full Form Non-Banking Finance Company – Upper Layer as per “Scale NBFC-UL ROA Return on Average Assets Based Regulation” by the RBI HFC Housing Finance Company ROE Return on Average Equity GNPA Gross Non-Performing Assets CRAR Capital Adequacy Ratio NNPA Net
Slide 47: Formulas
ANNEXURE Formulas Particulars Metrics Opex to NTI Ratio of operating expenses to net total income for relevant period Net Interest Margin (NIM) Ratio of total income reduced by finance cost to average loan assets for relevant period RoA Ratio of profit after tax to average loan assets for the releva
Bajaj Housing Finance — Q1 FY27 Earnings Presentation on 6ix