Bajaj Housing Finance Q3 FY25 Results: Profit Rises 25%, AUM Grows

Bajaj Housing Finance Ltd reported a 25% increase in net profit to ₹548.02 crore for Q3FY25, compared to ₹436.97 crore in the same period last year. The company’s net interest income (NII) grew by 25.8% YoY to ₹2,321.9 crore from ₹1,845.47 crore.

Rising Expenses and Provisions

Total expenses rose 26% to ₹1,736 crore during the quarter, compared to ₹1,374 crore a year ago. Provisions for bad loans increased to ₹35 crore, significantly higher than ₹1 crore in the same quarter last year.

Asset Quality and AUM Growth

• Gross Non-Performing Assets (NPA): Increased to 0.29% from 0.25% last year.
• Assets Under Management (AUM): Rose 26% YoY to ₹1.08 lakh crore, up from ₹85,929 crore.

Debt-Equity Ratio Improves

The debt-equity ratio fell to 4.09 in Q3FY25 from 5.37 in the same quarter last year. This indicates a shift towards equity financing, which is viewed as a positive development for the company’s financial health.

About Bajaj Housing Finance

Established in 2008, Bajaj Housing Finance is a Housing Finance Company (HFC) that does not accept deposits. Registered with the National Housing Bank (NHB) since 2015, it specializes in providing mortgage loans.

Bajaj Housing Finance share price is trading at ₹103.74, down by ₹2.00 (1.89%) as of January 28, 10:17 AM IST. The stock opened at ₹108.95, reached a high of ₹109.81, and a low of ₹103.10. It has a market cap of ₹86,360 crore, a P/E ratio of 39.41, and its 52-week range is ₹103.10 to ₹188.50.

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