Bajaj Housing Finance Ltd. · NSE:BAJAJHFL
Bajaj Housing Finance — Shareholder Meeting (July 2026)
26 slides from Bajaj Housing Finance's shareholder meeting presentation, Jul 29, 2026
Slide 1: FY'26 Annual General Meeting
FY’26 Annual General Meeting YEARS OF BAJAJ 29 July 2026
Slide 2: Welcome to the 18th Annual General Meeting
Dear shareholders, good afternoon and welcome to the 18th Annual General Meeting of your Company. I will be covering 5 sections in today’s presentation and will take 15-20 minutes 2 2
Slide 3: Agenda
Agenda Quarterly Results Update – Q1 FY27 1 FY26 Highlights 2 Company Overview 3 Regulatory Update 4 Management Assessment for FY27 5 3 3
Slide 4: Quarterly Results Highlights
Quarterly Results Highlights, which were approved by the board today ▪ Good start to the year across key financial metrics of growth (AUM), operating efficiency (opex to NTI) and profitability (PAT) during uncertain geopolitical scenario ▪ Your Company delivered highest ever quarterly AUM growth and
Slide 5: Quarterly Financial Snapshot – Q1 FY27
Quarterly Financial Snapshot – Q1 FY27 ₹ in Crore Particulars Q1 FY27 Q1 FY26 YoY Assets under management (AUM) 149,624 120,420 24% Loan Assets 131,162 105,954 24% Interest income 2,856 2,493 15% Interest expenses 1,888 1,606 18% Net Interest income 968 887 9% Fees and commission income 105 58 81% N
Slide 6: Moving to next section covering previous year's financial performance
Moving to next section covering previous year’s financial performance Quarterly Results Update – Q1 FY27 1 FY26 Highlights 2 Company Overview 3 Regulatory Update 4 Management Assessment for FY27 5 6 6
Slide 7: FY26 Financial Highlights
FY26 Financial Highlights ▪ FY26 was overall a good year for your Company across key metrics, with AUM crossing 1.4 Lakh Cr mark. Your Company delivered 23% of AUM growth for the year amidst heightened competitive intensity in prime housing in a declining interest rate regime ▪ Your Company is makin
Slide 8: FY26 Executive Summary
FY26 Executive Summary ▪ FY26 witnessed heightened competitive intensity, primarily from banks in prime housing, driven by finer acquisition pricing. This resulted into elevated portfolio attrition thereby moderating AUM growth for FY26 ▪ The overall home loans industry portfolio* stood at 44.4 Lakh
Slide 9: FY26 Financial Performance
FY26 Financial Performance ₹ in Crore Particulars FY26 FY25 YoY Assets under management 140,706 114,684 23% Loan Assets 123,745 99,513 24% Interest income 10,512 8,986 17% Interest expenses 6,760 5,979 13% Net Interest income 3,752 3,007 25% Fees and commission income 298 201 48% Net gain on fair va
Slide 10: Healthy asset quality and provisioning coverage across products
Your Company continued to maintain healthy asset quality and provisioning coverage across products Home Developer Other Particulars - FY26 LAP LRD Total Loans Finance Loans* AUM (₹ in Cr.) 76,055 15,191 31,531 16,226 1,703 1,40,706 Well Diversified Portfolio Mix AUM Composition (%) 54.1% 10.8% 22.4%
Slide 11: Company journey and strategy update
Let me now cover your Company’s journey and strategy update quickly Quarterly Results Update – Q1 FY27 1 FY26 Highlights 2 Company Overview 3 Regulatory Update 4 Management Assessment for FY27 5 11 11
Slide 12: 9-year financial snapshot
9-year financial snapshot reflecting durable growth and sustainability of your Company ₹ in Crore Stabilization Phase Market Share Enhancement Phase Incubation Phase CAGR Particulars FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (9 yrs.) AUM 3,570 17,562 32,705 38,871 53,322 69,228 91,370 114,684 140
Slide 13: Sustaining profitable growth against competitive pressure
Your Company has crossed 1.49 Lakh Cr AUM a significant scale milestone. As it is operating in intense competitive environment, a natural question arises — how can we, as an HFC, sustain profitable growth momentum against competitive pressure from banks? 13 13
Slide 14: Your Company is the most diversified HFC
Your Company is the most diversified HFC FULL MORTGAGE PRODUCT SUITE DIVERSIFIED PORTFOLIO MIX OVER THE YEARS 1.2% 11.5% Others ➢ Prime Home Loan 1.5% ➢ Sambhav Home Loan (Near 182 Locations 12.5% 22.4% 1.9% DF HOME LOAN Prime & Affordable) 10.5% 19.1% 10.8% 2.5% LRD 8.2% 19.3% 10.7% RETAIL 16.3% 10
Slide 15: Differentiated growth strategies for Prime and Sambhav housing
Your Company follows differentiated growth strategies for both segments of Home Loans - Prime and Sambhav housing Expansion in non top 6 markets Customer Segment SAMBHAV Widening home loan Expansion Diversify Sourcing Home presence beyond top Channels 6 locations Enhancing customer Strategic Role Lo
Slide 16: Consistent progress of Sambhav Housing
This distinct growth strategy impact is visible in the consistent progress of Sambhav Housing CONSISTENT IMPROVEMENT IN MONTHLY DISBURSEMENT RUN-RATE ENHANCED COVERAGE 73 Urban Locations | 72 Rural Locations 500 Cr. 450-465 410 Cr. 410-425 325 Cr. 325-350 DEDICATED TEAMS B2C (Intermediary) | B2B (De
Slide 17: Organization structure aligned by customer segmentation
To accelerate execution and growth across businesses, your Company has aligned its internal organization structure basis customer segmentation RETAIL RETAIL (NEAR PRIME COMMERCIAL 1 (PRIME) 2 AND AFFORDABLE) 3 (LRD AND DF) Defined Role in Strategic Construct ✓ Scale Driver (LRD) ✓ Scale Driver ✓ Yie
Slide 18: Micro-market focus and omnichannel sourcing strategy
Your Company is broadening its presence through a micro-market focus and an omnichannel sourcing strategy, ensuring wider customer segmentation, deeper penetration and diversified customer acquisition. At the same time, digital initiatives are being embedded across every touchpoint of the mortgage j
Slide 19: Digital and AI initiatives across the customer lifecycle
Your Company has been implementing digital initiatives over the years across the customer lifecycle which are further being enhanced through AI initiatives for seamless experience EMBEDDING DIGITAL INITIATIVES ACROSS LIFECYCLE Leveraging AI ORIGINATION initiatives to 95% Digital Onboarding 1 further
Slide 20: Regulatory update
Coming to the next section on regulatory update Quarterly Results Update – Q1 FY27 1 FY26 Highlights 2 Company Overview 3 Regulatory Update 4 Management Assessment for FY27 5 20 20
Slide 21: Regulatory Update
Regulatory Update ▪ The RBI and NHB continued their strategic direction through various measures to enhance transparency, protect consumer interest, ensure fair practices and build sustainability within the financial sector ▪ The RBI harmonized regulations with focus on improving financial stability
Slide 22: Management assessment for FY27
I’m on the last section of presentation which is Management assessment for FY27 Quarterly Results Update – Q1 FY27 1 FY26 Highlights 2 Company Overview 3 Regulatory Update 4 Management Assessment for FY27 5 22 22
Slide 23: Management assessment of key financial indicators
Management assessment of key financial indicators # Key Indicators FY26 Assessment FY26 Actual FY27 Assessment 1 AUM Growth 21-23% 23% 21-23% 2 NIM Moderation 15-20 bps 7 bps 20-25 bps 3 Opex to NTI 20-21% 19.7% 19-20% 4 GNPA 35 – 40 bps 27 bps 30 – 35 bps 5 Credit Cost 15 – 20 bps 17 bps 10 – 15 bp
Slide 24: Concluding remarks
To conclude, housing finance industry has significant headroom to grow in the country given current lower housing finance penetration to GDP as compared to developed economies and continued government focus. This structural opportunity, coupled with rising income and sector formalization, provides a
Slide 25: Thank You
THANK YOU 35 25
Slide 26: 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
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