Bajaj Housing Finance Q1FY27 profit rises 22.6% YoY to ₹715.28 crore

Bajaj Housing Finance reported a net profit of ₹715.28 crore for the June quarter (Q1FY27), up 22.6% year on year.

— Source publishedWed, 29 Jul, 2026, 16:05 IST·First seen Wed, 29 Jul, 2026, 16:09 IST·Source Mint · Markets

What happened

Bajaj Housing Finance reported Q1FY27 profit of ₹715.28 crore, up 22.6% year-on-year for the June quarter.

Key facts

  • ₹715.28 crore Q1FY27 profit
  • 22.6% YoY profit growth

Why this matters

Bajaj Housing Finance’s strong quarterly profit growth reinforces its position as a potentially attractive financing partner in housing and home-improvement ecosystems.

What to watch

  • AUM growth above 20% YoY without a material deterioration in asset quality.
  • Net interest margin stability or expansion despite competitive home-loan pricing.
  • Gross NPA and net NPA remaining broadly flat or improving.
  • RBI rate actions and bond-yield movements that affect borrowing costs.
  • Any increase in exposure to construction finance, LAP or higher-risk borrower cohorts.
  • Quarterly operating-expense ratio improvement as scale increases.
  • Monitor quarterly disbursement and assets-under-management growth versus profit growth.
  • Track net interest margin, cost of funds and the mix of bank borrowings, bonds and deposits.
  • Assess gross and net NPA trends, provisioning coverage and early-stage delinquency indicators.
  • Watch management commentary on affordable housing, developer finance and non-housing loan exposure.
  • Compare valuation and growth metrics with listed housing-finance peers and major banks.

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