Bajaj Housing Finance Ltd. · NSE:BAJAJHFL
Bajaj Housing Finance — Q2 FY27 Earnings Presentation
43 slides from Bajaj Housing Finance's earnings presentation, Oct 16, 2026
Slide 1: Investor Presentation Q2 FY27
INVESTOR PRESENTATION Q2 FY27 16 Oct 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 2 Click on the respe
Slide 3: Quarterly Synopsis
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Synopsis The Company surpassed landmark ₹ 1.5 Lakh crore AUM milestone, driven by strong and diversified growth. Sambhav loans crossed monthly disb
Slide 4: Quarterly Financial Indicators: AUM Growth
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS BUSINESS METRICS ✓ Quarterly AUM growth of ₹ 8,580 Cr in Q2 ↑ 25% AUM Home Loans ↑ 22% FY27 as against ₹ 6,329 Cr f
Slide 5: Quarterly Financial Indicators: Cost of Funds and Efficiency
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS COST OF FUNDS & LIQUIDITY ✓ COF reduced by 17 bps on sequential basis mainly due to conversion of fixed rate liabil
Slide 6: Quarterly Financial Indicators: Asset Quality and Profitability
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS ASSET QUALITY ₹ 35 Cr | Q2 FY27 0.29% 0.29% | Q1 FY27 ✓ Stable asset quality during the quarter with LOAN LOSSES GN
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 7 7
Slide 8: Part of Bajaj Group
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality 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% 100%4 Bajaj Alternate Bajaj Finance Bajaj Gen
Slide 9: Journey at a glance
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Journey at a glance FY18 FY20 FY22 FY24 FY26 ▪ Started lending FY19 ▪ Crossed AUM FY21 ▪ Crossed AUM FY23 ▪ Crossed AUM FY25 ▪ Crossed AUM op
Slide 10: Consistent Financial Performance: 9-year Financial Snapshot
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Consistent Financial Performance: 9-year Financial Snapshot ₹ in Crore CAGR Financials Snapshot FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26
Slide 11: Internal structure aligned with customer segments
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Company’s internal structure is aligned with customer segments 3 Business Verticals Retail Retail Commercial (Near Prime and (Prime) (LRD and
Slide 12: Largest non-deposit taking HFC offering full suite of mortgage products
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Largest non-deposit taking HFC offering full suite of mortgage products » Commercial Lease Rental » Salaried Prime Home Loans Discounting » S
Slide 13: Omnichannel sourcing strategy
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Omnichannel sourcing strategy RETAIL COMMERCIAL HOME LOAN AGAINST LEASE RENTAL DEVELOPER LOAN PROPERTY DISCOUNTING FINANCE Developer ecosyste
Slide 14: Strong risk management delivering healthy asset quality
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Strong risk management delivering healthy asset quality RETAIL COMMERCIAL » Underwriting through centralized hubs » Dedicated underwriting st
Slide 15: Scalable IT architecture – Tech Enabler for customer experience
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Scalable IT architecture – Tech Enabler for enhancing customer experience Single Platform for Core Applications Support Systems 100% Cloud Le
Slide 16: Seamless Customer Journey from Origination to Service
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Seamless Customer Journey from Origination → Service through Digital Initiatives Faster Onboarding Customer Onboarding Journey Penetration Di
Slide 17: Leveraging AI Initiatives for better experience and controllership
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Leveraging AI Initiatives for better experience and enhanced controllership KEY FOCUS ENHANCE SEAMLESS & AREAS OF CUSTOMER IMPROVE LEANER AI
Slide 18: Strategic Differentiators
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Strategic Differentiators Focus on building scalable balance sheet with Prime SCALABLE BALANCE SHEET Housing and Lease Rental Discounting as
Slide 19: Shareholding Profile
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Shareholding Profile Holding of Top-20 Investors S. No. Name of Shareholder Holding % 0.35% 1 Bajaj Finance Limited 86.70 1.31% 2 Catamaran V
Slide 20: 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 20 20
Slide 21: Quarterly Financial Snapshot
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality FINANCIAL PERFORMANCE Quarterly Financial Snapshot ₹ in Crore Financials Snapshot Q2 FY27 Q2 FY26 YoY H1FY27 H1FY26 YoY Assets under management 158,205 126,749 25% 158,205 126
Slide 22: Key Financial Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality FINANCIAL PERFORMANCE Key Financial Trends ₹ in Crore ASSETS INCOME 3,251 158,205 2,884 2,903 3,063 149,624 2,748 126,749 133,412 140,706 2,403 2,443 2,504 2,616 207 199 120,4
Slide 23: Key Financial Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality FINANCIAL PERFORMANCE Key Financial Trends PORTFOLIO YIELD, COF AND GROSS SPREAD MARGIN AND OPERATING EFFICIENCY 9.9% 9.8% 9.7% 9.5% 9.3% 9.1% 8.9% 8.9% 8.8% 20.7% 21.8% 21.2%
Slide 24: 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 24 24
Slide 25: Diversified Borrowing Mix supported by highest domestic credit rating
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality TREASURY UPDATE Diversified Borrowing Mix supported by highest possible domestic credit rating Focus on Longer tenor Highest possible funding through Money Diversified borrowi
Slide 26: Behaviouralized ALM position
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality TREASURY UPDATE Behaviouralized ALM position 77% 73% 35% 24% 23% 9% 6% 2% (2%) 0% (10%) (10%) (20%) 100% 100% 73% 74% 56% 55% 28% 26% 15% 14% 6% 9% 7% 4% 3% 5% 1% 1% 2% 1% 1-7
Slide 27: Key Sustainability Ratios
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality TREASURY UPDATE Key Sustainability Ratios 8 times# 5.8 6.0 5.5 5.5 5.6 5.4 5.0 5.1 5.2 28.98% 28.24% 27.86% 26.94% 26.12% 28.46% 27.72% 23.15% 27.36% 26.43% 22.46% 25.61% 21.5
Slide 28: 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 28 28
Slide 29: Most Diversified HFC straddling across mortgage products
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Most Diversified HFC straddling across mortgage products AUM Mix 1.3% 1.1% 1.1% 11.8% 11.4% 10.7% 23.1% 24.0% 21.5% 55.1% 54.1% 53.9% 10.3% 10.3% 10.3% SE
Slide 30: Home Loans
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Home Loans Offering spanning across all home loan transactions spectrum: New home purchase, resale, balance transfer and AUM 85,224 Cr self-construction M
Slide 31: Sambhav Housing: Distinct Business Model
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Sambhav Housing (Near-prime and Affordable) : Distinct Business Model Expanding Addressable Customer Segment and Yield Monthly disbursement run-rate Stabl
Slide 32: Loans Against Property
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Loans Against Property Sourcing from both intermediaries as well as direct-to- AUM 16,382 Cr customer channels Covering all customer segments: Self-employ
Slide 33: Lease Rental Discounting
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Lease Rental Discounting LRD offering across stabilized commercial assets including AUM 37,988 Cr office space, warehousing and industrial properties Dual
Slide 34: Developer Finance
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality BUSINESS WISE UPDATE Developer Finance Offering construction finance for residential as well as AUM 16,904 Cr commercial real estate Granular book across 885 projects Location
Slide 35: 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 35 35
Slide 36: Asset Quality Trends
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality ASSET QUALITY Asset Quality Trends 99.39% 99.34% 99.39% 99.36% 99.39% 99.36% 99.37% 99.39% 99.40% 0.32% 0.37% 0.32% 0.34% 0.34% 0.37% 0.36% 0.32% 0.31% 57.87% 55.44% 60.25% 56
Slide 37: Product Level NPA and Provisioning Coverage
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality ASSET QUALITY Product Level NPA and Provisioning Coverage ₹ in Crore GNPA % NNPA % AUM Particulars GNPA NNPA PCR (%) 30 Sep 26 30 Sep 25 30 Jun 26 30 Sep 26 30 Sep 25 30 Jun 2
Slide 38: Product Level Stagewise Provisioning
Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality ASSET QUALITY Product Level Stagewise Provisioning ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 S
Slide 39: Thank You
Si Housinc F FINANCE Balas THANK YOU
Slide 40: 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 purchas
Slide 41: 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 172 - 85 4 7 58 2,167 - - - 2,493 Advances 1,539 579 1,659 3,024 2,955 8,476 15,115 41,539 24,289 40,687 139,862 Other inflows 1,150 1 2,513
Slide 42: 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 43: 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
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