Bajaj Housing Quarterly Results Q1 FY26

Bajaj Housing Q1 FY26 Results: Net Profit, Revenue, and Asset Growth

Bajaj Housing Finance has announced its Q1 FY26 financial results, showcasing a good performance across key metrics. With consistent growth in revenue, profit, and asset quality, the company continues to strengthen its position in the housing finance sector. This article delves into the financial highlights of the quarter, providing insights for housing finance investors seeking to understand the company’s trajectory.

Bajaj Housing Q1 FY26 results overview

The Q1 FY26 results of Bajaj Housing Finance reflect a strong financial performance, driven by growth in profit, revenue, and assets under management (AUM). The company reported a Profit After Tax (PAT) of Rs. 583 crore, marking a significant year-on-year (YoY) growth. Total income rose to Rs. 2,618 crore, supported by a 33 per cent increase in Net Interest Income (NII).

Additionally, the company maintained exceptional asset quality, with Gross Non-Performing Assets (GNPA) at 0.30 per cent and Net Non-Performing Assets (NNPA) at 0.13 per cent. The Provision Coverage Ratio (PCR) for Stage-3 assets stood at 56 per cent, ensuring a well-buffered portfolio.

Bajaj Housing Finance demonstrated steady growth in its revenue and net profit during Q1 FY26. The total income for the quarter reached Rs. 2,618 crore, reflecting an 18.6–19 per cent YoY increase. This growth underscores the company’s ability to generate consistent revenue from its housing finance operations.

The Profit After Tax (PAT) for the quarter stood at Rs. 583 crore, marking a 20.9–21 per cent YoY growth. This sharp rise in profitability highlights the company’s operational efficiency and prudent financial management.

Revenue and PAT growth at a glance:

This consistent upward trend in revenue and profitability reflects Bajaj Housing Finance’s resilience in a competitive market.

The company’s Assets Under Management (AUM) and Net Interest Income (NII) witnessed robust growth during Q1 FY26. AUM reached Rs. 1.20 lakh crore, registering a 24 per cent YoY increase. This growth indicates the company’s ability to expand its loan book while maintaining a healthy balance sheet.

Net Interest Income (NII), a crucial indicator of profitability, rose to Rs. 887 crore, reflecting a 33 per cent YoY growth. The rise in NII is indicative of improved interest spreads and efficient fund management.

AUM and NII performance at a glance:

The strong performance in AUM and NII highlights Bajaj Housing Finance’s ability to scale its operations effectively while ensuring profitability.

Bajaj Housing Finance continues to demonstrate excellent asset quality, a critical factor for housing finance investors. The company reported a GNPA of 0.30 per cent and an NNPA of 0.13 per cent for Q1 FY26. These figures reflect the company’s robust credit risk management practices.

The Stage-3 Provision Coverage Ratio (PCR) stood at 56 per cent, ensuring adequate provisioning for potential credit losses. Additionally, the total provisions for the quarter amounted to Rs. 41 crore, further strengthening the company’s financial stability.

Asset quality and provisions at a glance:

The company’s focus on maintaining low NPA levels and adequate provisioning underscores its commitment to portfolio quality and risk management.

Following the announcement of its Q1 FY26 results, Bajaj Housing Finance’s stock witnessed positive momentum. The strong growth in revenue, profit, and asset quality has bolstered investor confidence. Analysts and brokerages have expressed optimism about the company’s performance, citing its consistent growth trajectory and robust financial metrics.

Market sentiment remains favourable, with the stock reflecting the company’s solid fundamentals. Housing finance investors are likely to view Bajaj Housing Finance as a stable and growth-oriented investment option.

Bajaj Housing Finance’s Q1 FY26 results highlight its strong financial performance, characterised by growth in revenue, profit, and assets under management. The company’s focus on maintaining exceptional asset quality and prudent financial management has positioned it as a reliable player in the housing finance sector.

For housing finance investors, these results underscore the company’s ability to deliver consistent returns and maintain portfolio stability. As always, it is essential to evaluate your investment goals and risk tolerance before making financial decisions.

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