Bajaj Housing Finance Shares in Focus as One-Year Shareholder Lock-In Ends

Shares of Bajaj Housing Finance Ltd., the listed subsidiary of Bajaj Finance Ltd., are expected to be in focus on Tuesday, April 15, as the one-year lock-in period for its shareholders comes to an end. With this, a substantial 529.1 crore equity shares, accounting for 64% of the company’s outstanding equity, will become eligible for trading in the open market.

While this unlock significantly expands the free-float in the market, it’s important to note that the end of the lock-in period does not automatically imply that all eligible shares will be sold. Rather, shareholders now have the option to trade these shares.

Promoters Maintain Strong Hold

As per the latest available data for the quarter ended December 31, 2024, promoters continue to hold a dominant 88.75% stake in Bajaj Housing Finance. This strong promoter holding underscores continued confidence in the company’s long-term growth prospects.

Strong Growth Across Disbursements and AUM

Operationally, the company has maintained its growth trajectory. For the quarter ended March 2025, disbursements grew by 25% year-on-year, reflecting sustained demand and a strong lending pipeline. Similarly, loan book size increased to ₹99,500 crore, marking a comparable 25% growth.

Bajaj Housing Finance also reported a 25.5% year-on-year rise in its Assets Under Management (AUM), which reached ₹1.14 lakh crore. Meanwhile, the securitisation book expanded by nearly 26%, further strengthening the company’s balance sheet and revenue streams.

Stock Performance 

On April 11, 2025, shares of Bajaj Housing Finance ended 1.1% higher at ₹119.6. Although the stock remains well below its post-listing high of ₹188, it continues to trade above its initial public offering (IPO) price of ₹70 per share. The stock’s performance will now be closely watched as the newly unlocked shares enter the market.

With the end of the lock-in period and a solid operational performance backing it, investor sentiment towards Bajaj Housing Finance is likely to remain active in the sessions ahead.

Conclusion

With a significant portion of shares becoming tradable and strong financial performance in the recent quarter, Bajaj Housing Finance stands at a pivotal moment. The company’s consistent growth in disbursements, loans, and AUM highlights its robust business fundamentals.

As market participants gauge the impact of the share unlock, investor confidence is likely to remain supported by the company’s strong promoter backing and positive growth outlook in the housing finance sector.

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