Bajaj Housing Finance Share Price in Focus on Apr 24; PAT Surges 54% in Q4 FY25

Bajaj Housing Finance Limited reported its performance for the quarter ended 31 March 2025.  

Post the announcement, on April 24, 2025, Bajaj Housing Finance share price (NSE: BAJAJHFL) opened at ₹135.00, up from its previous close of ₹131.88. At 9:31 AM, the share price of Bajaj Housing Finance was trading at ₹133.94, up by 1.56% on the NSE. 

Q4 FY25 Performance Highlights 

The company’s Assets Under Management (AUM) rose by 26%, reaching ₹1,14,684 crore as compared to ₹91,370 crore in the same quarter last year. Net interest income (NII) for the quarter stood at ₹823 crore, up 31% from ₹629 crore in Q4 FY24. 

Net total income also witnessed an increase of 34%, coming in at ₹958 crore against ₹717 crore in Q4 FY24.  

Operating efficiency improved, with Operating Expenses to Net Total Income reducing to 21.7% from 27% a year ago. Loan losses and provisions declined to ₹30 crore in Q4 FY25 from ₹35 crore in Q4 FY24, indicating stable asset quality.  

Profit After Tax (PAT) surged 54% year-on-year to ₹587 crore, up from ₹381 crore in Q4 FY24. 

FY25 Annual Performance Summary 

For the full financial year 2024-25, Bajaj Housing Finance saw a 20% rise in net interest income, which came in at ₹3,007 crore, compared to ₹2,510 crore in FY24.  

Net total income rose 23% year-on-year to ₹3,597 crore, against ₹2,925 crore in the previous fiscal. The company improved its operating efficiency for the year as well, with Operating Expenses to Net Total Income falling to 20.8% from 24% in FY24. 

Loan losses and provisions increased to ₹80 crore in FY25 from ₹61 crore in FY24. PAT saw a healthy 25% jump, rising to ₹2,163 crore from ₹1,731 crore in FY24. 

Also Read: Bajaj Housing Finance One-Year Shareholder Lock-In Ends 

About Bajaj Housing Finance Limited 

Bajaj Housing Finance is a non-deposit-taking Housing Finance Company (HFC). The company has been registered with the National Housing Bank (NHB) since 2015, and it has been offering mortgage loans. 

Conclusion 

Bajaj Housing Finance’s Q4 and FY25 results reflect growth in income, enhanced operational efficiency, and a focus on profitability. 

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