Financial Ratios Bajaj Housing Finance Limited

Equities

BAJAJHFL

INE377Y01014

Consumer Lending

Delayed NSE India S.E. Other stock markets 03:05:42 16/01/2026 pm IST			5-day change	1st Jan Change
92.40 ^INR	-1.17%		-1.19%	-2.04%

08/01	India new issue-SIDBI to issue over 3-year bonds, bankers say	RE
08/01	India new issue - Bajaj Housing Finance to reissue Oct 2028 bonds, bankers say	RE

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Published financial data: BAJAJ HOUSING FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	2.88TCr	3.48TCr	5.27TCr	7.2TCr	8.99TCr
Interest Expense, Total	1.96TCr	2.15TCr	3.21TCr	4.69TCr	5.98TCr
Net Interest Income	915.92Cr	1.33TCr	2.06TCr	2.51TCr	3.01TCr
Commission and Fees	75Cr	219.19Cr	136.51Cr	190.71Cr	201.18Cr
Other Revenues, Total	202Cr	59Cr	134.8Cr	53Cr	176.57Cr
Revenues Before Provison For Loan Losses	1.19TCr	1.61TCr	2.33TCr	2.75TCr	3.38TCr
Provision For Loan Losses	246.84Cr	181.07Cr	123.5Cr	61Cr	80Cr
Total Revenues	945.7Cr	1.43TCr	2.21TCr	2.69TCr	3.3TCr
Salaries And Other Employee Benefits	245.76Cr	348.8Cr	435.14Cr	465.63Cr	483.85Cr
Cost of Services Provided, Total	14Cr	13Cr	25Cr	16Cr	33Cr
Depreciation & Amortization - (IS) - (Collected)	22Cr	26Cr	33Cr	40Cr	41Cr
Other Operating Expenses	51Cr	76Cr	124.42Cr	142.26Cr	138.5Cr
Total Operating Expenses	332.45Cr	463.42Cr	617.52Cr	663.95Cr	696.22Cr
Operating Income	613.25Cr	967.76Cr	1.59TCr	2.03TCr	2.61TCr
Other Non Operating Income (Expenses)	37L	-7.42Cr	51L	18L	13L
EBT, Excl. Unusual Items	613.62Cr	960.34Cr	1.59TCr	2.03TCr	2.61TCr
Gain (Loss) on Sale of Investments	-	-	112.04Cr	133.2Cr	164.26Cr
Gain (Loss) on Sale of Assets	-44L	-48L	-70L	-77L	-2.72Cr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	613.18Cr	959.86Cr	1.7TCr	2.16TCr	2.77TCr
Income Tax Expense	159.99Cr	250.24Cr	442.26Cr	430.1Cr	607.33Cr
Earnings From Continuing Operations	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Net Income to Company	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Net Income - (IS)	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Net Income to Common Incl Extra Items	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Net Income to Common Excl. Extra Items	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Per Share Items
Net EPS - Basic	0.93	1.45	1.88	2.58	2.67
Basic EPS - Continuing Operations	0.93	1.45	1.88	2.58	2.67
Basic Weighted Average Shares Outstanding	488.33Cr	488.33Cr	668.21Cr	671.22Cr	809.22Cr
Net EPS - Diluted	0.93	1.45	1.88	2.58	2.67
Diluted EPS - Continuing Operations	0.93	1.45	1.88	2.58	2.67
Diluted Weighted Average Shares Outstanding	488.33Cr	488.33Cr	668.21Cr	671.22Cr	809.86Cr
Normalized Basic EPS	0.79	1.23	1.49	1.89	2.01
Normalized Diluted EPS	0.79	1.23	1.49	1.89	2.01
Supplemental Items
Total Revenues (As Reported)	3.16TCr	3.77TCr	5.67TCr	7.62TCr	9.58TCr
Effective Tax Rate - (Ratio)	26.09	26.07	26.01	19.9	21.92
Current Domestic Taxes	187Cr	250.4Cr	399.8Cr	509Cr	619.53Cr
Total Current Taxes	187Cr	250.4Cr	399.8Cr	509Cr	619.53Cr
Deferred Domestic Taxes	-27Cr	-16L	42Cr	-79Cr	13Cr
Total Deferred Taxes	-27Cr	-16L	42Cr	-79Cr	13Cr
Normalized Net Income	383.51Cr	600.21Cr	992.95Cr	1.27TCr	1.63TCr
Non-Cash Pension Expense	-7L	-15L	3L	-22L	22L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	13Cr	-	27Cr	31Cr	39Cr
Total Stock-Based Compensation	13Cr	-	27Cr	31Cr	39Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	716.78Cr	407.03Cr	94Cr	64Cr	62Cr
Long-Term Investments - (FS Template)	-	1.25TCr	1.42TCr	1.42TCr	1.22TCr
Trading Asset Securities, Total	-	-	579.86Cr	532.71Cr	1.35TCr
Loans and Lease Receivables - (FS Template)	33TCr	46TCr	62TCr	80TCr	1LCr
Other Receivables	-	237.33Cr	5.92Cr	44Cr	97Cr
Gross Property Plant And Equipment	108.48Cr	140.81Cr	170.65Cr	195.57Cr	227.02Cr
Accumulated Depreciation	-44Cr	-63Cr	-86Cr	-108.07Cr	-126.68Cr
Net Property Plant And Equipment	64Cr	78Cr	85Cr	88Cr	100.34Cr
Other Intangibles, Total	15Cr	21Cr	28Cr	36Cr	41Cr
Other Current Assets, Total	3.61TCr	24Cr	37Cr	19Cr	33Cr
Deferred Tax Assets Long-Term (Collected)	15Cr	16Cr	-	51Cr	44Cr
Other Long-Term Assets, Total	19Cr	14Cr	3L	-	1.47Cr
Total Assets	38TCr	49TCr	65TCr	82TCr	1,02800Cr
Liabilities
Accounts Payable, Total	21Cr	36Cr	46Cr	58Cr	180.75Cr
Accrued Expenses, Total	148.76Cr	15Cr	13Cr	26Cr	32Cr
Short-Term Borrowings	2.94TCr	-	582.97Cr	3.57TCr	3.04TCr
Current Portion of Long-Term Debt	-	12TCr	11TCr	13TCr	7.86TCr
Current Portion of Leases	-	12Cr	14Cr	12Cr	15Cr
Long-Term Debt	29TCr	29TCr	41TCr	53TCr	71TCr
Long-Term Leases	32Cr	29Cr	31Cr	29Cr	37Cr
Current Income Taxes Payable	7.39Cr	20Cr	16Cr	26Cr	38Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	109.82Cr	82Cr	265.89Cr	36Cr
Pension & Other Post Retirement Benefits	-	-	-	3.52Cr	12Cr
Deferred Tax Liability Non-Current	-	-	28Cr	-	-
Other Non Current Liabilities	18Cr	581.74Cr	351.41Cr	225.06Cr	476.85Cr
Total Liabilities	32TCr	42TCr	54TCr	70TCr	83TCr
Common Stock, Total	4.88TCr	4.88TCr	6.71TCr	6.71TCr	8.33TCr
Additional Paid In Capital	166.67Cr	166.67Cr	837.72Cr	837.72Cr	4.74TCr
Retained Earnings	982.22Cr	1.69TCr	2.34TCr	3.72TCr	6.84TCr
Comprehensive Income and Other	-	-	617.51Cr	964.29Cr	30Cr
Total Common Equity	6.03TCr	6.74TCr	11TCr	12TCr	20TCr
Total Equity	6.03TCr	6.74TCr	11TCr	12TCr	20TCr
Total Liabilities And Equity	38TCr	49TCr	65TCr	82TCr	1,02800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	488.33Cr	488.33Cr	671.22Cr	671.22Cr	833.23Cr
ECS Total Common Shares Outstanding	488.33Cr	488.33Cr	671.22Cr	671.22Cr	832.81Cr
Book Value / Share	12.35	13.8	15.65	18.23	23.95
Tangible Book Value	6.02TCr	6.72TCr	10TCr	12TCr	20TCr
Tangible Book Value Per Share	12.32	13.76	15.61	18.17	23.9
Total Debt	32TCr	41TCr	54TCr	69TCr	82TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.41Cr	1.03Cr	-2.36Cr	3.52Cr	12Cr
Net Debt	31TCr	41TCr	53TCr	68TCr	81TCr
Full Time Employees	2.35T	3.7T	2.79T	2.37T	1.98T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	453.19Cr	709.62Cr	1.26TCr	1.73TCr	2.16TCr
Depreciation, Depletion & Amortization	19Cr	21Cr	27Cr	30Cr	41Cr
Total Depreciation, Depletion & Amortization	19Cr	21Cr	27Cr	30Cr	41Cr
Amortization of Deferred Charges, Total	2.66Cr	4.35Cr	6.59Cr	9.53Cr	-
(Gain) Loss On Sale of Asset - (CF)	44L	-	70L	77L	2.72Cr
(Gain) Loss on Sale of Investments - (CF)	-60Cr	-59Cr	11Cr	-133.2Cr	-164.26Cr
Provision for Credit Losses	-	-	-	-	-
Stock-Based Compensation (CF)	-	19Cr	-	-	17Cr
Change in Trading Asset Securities	-	-	-	-	373.34Cr
Change in Accounts Payable	-9.69Cr	16Cr	9.52Cr	12Cr	19Cr
Change in Other Net Operating Assets (Collected)	-5.92TCr	-13TCr	-16TCr	-17TCr	-20TCr
Other Operating Activities	421.27Cr	-218.99Cr	-130.01Cr	-102.8Cr	301.82Cr
Cash from Operations	-5.09TCr	-12TCr	-14TCr	-15TCr	-17TCr
Capital Expenditure	-6.6Cr	-18Cr	-20Cr	-26Cr	-25Cr
Sale of Property, Plant, and Equipment	1.51Cr	1.63Cr	3.87Cr	3.3Cr	5.33Cr
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-8.43Cr	-11Cr	-13Cr	-17Cr	-16Cr
Investment in Marketable and Equity Securities, Total	-814.45Cr	2.2TCr	-627.77Cr	218.38Cr	-761.88Cr
Other Investing Activities, Total	31Cr	27Cr	46Cr	95Cr	-
Cash from Investing	-797.04Cr	2.2TCr	-611.44Cr	273.31Cr	-797.55Cr
Short Term Debt Issued, Total	-	1.05TCr	-	2.96TCr	-
Long-Term Debt Issued, Total	5.7TCr	16TCr	27TCr	24TCr	27TCr
Total Debt Issued	5.7TCr	17TCr	27TCr	27TCr	27TCr
Short Term Debt Repaid, Total	-	-	-3.44TCr	-	-290.79Cr
Long-Term Debt Repaid, Total	-15Cr	-6.95TCr	-11TCr	-12TCr	-14TCr
Total Debt Repaid	-15Cr	-6.95TCr	-15TCr	-12TCr	-14TCr
Issuance of Common Stock	-	-	2.5TCr	-	5.56TCr
Other Financing Activities, Total	-	-	-	-	-191.63Cr
Cash from Financing	5.69TCr	10TCr	15TCr	15TCr	18TCr
Net Change in Cash	-196.94Cr	-55Cr	-313.15Cr	-30Cr	-2.23Cr
Supplemental Items
Cash Interest Paid	-	-	3.1TCr	4.46TCr	5.44TCr
Cash Income Tax Paid (Refund)	180.04Cr	242.35Cr	398.58Cr	526.36Cr	624.32Cr
Net Debt Issued / Repaid	5.69TCr	10TCr	12TCr	15TCr	13TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.31	1.64	2.22	2.36	2.34
Return On Equity %	7.8	11.11	14.59	15.23	13.44
Return on Common Equity	7.8	11.11	14.59	15.23	13.44
Margin Analysis
Gross Profit Margin %	99.07	99.44	99.36	99.57	99.12
SG&A Margin	26.53	24.73	20.21	17.47	14.75
Income From Continuing Operations Margin %	47.92	49.58	57.02	64.29	65.45
Net Income Margin %	47.92	49.58	57.02	64.29	65.45
Net Avail. For Common Margin %	47.92	49.58	57.02	64.29	65.45
Normalized Net Income Margin	40.55	41.94	45.02	47.09	49.34
Asset Turnover
Asset Turnover	0.03	0.03	0.04	0.04	0.04
Short Term Liquidity
Current Ratio	12.1	3.75	5.15	4.84	9.05
Quick Ratio	10.94	3.75	5.15	4.84	9.04
Operating Cash Flow to Current Liabilities	-1.63	-0.99	-1.17	-0.93	-1.52
Long Term Solvency
Total Debt/Equity	524.39	608.52	510.45	563.94	411.53
Total Debt / Total Capital	83.98	85.89	83.62	84.94	80.45
LT Debt/Equity	475.61	424.8	395.29	431.42	356.78
Long-Term Debt / Total Capital	76.17	59.96	64.75	64.98	69.75
Total Liabilities / Total Assets	84.07	86.11	83.75	85.05	80.6
Tier 1 Capital Ratio %	20.7	18.95	22.19	20.67	27.72
Total Capital Ratio %	21.33	19.71	22.97	21.28	28.24
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	4.42	51.6	61.09	22.08	22.73
Gross Profit, 1 Yr. Growth %	4.28	51.96	60.62	22.32	22.88
Earnings From Cont. Operations, 1 Yr. Growth %	7.56	56.58	77.25	37.64	24.94
Net Income, 1 Yr. Growth %	7.56	56.58	77.25	37.64	24.94
Normalized Net Income, 1 Yr. Growth %	8.04	56.5	76.26	27.71	28.58
Diluted EPS Before Extra, 1 Yr. Growth %	-17.14	56.24	29.66	37.02	3.52
Common Equity, 1 Yr. Growth %	8	11.76	55.8	16.47	63.05
Total Assets, 1 Yr. Growth %	20.68	28.18	33.23	26.56	25.64
Tangible Book Value, 1 Yr. Growth %	7.9	11.68	55.86	16.44	63.2
Cash From Operations, 1 Yr. Growth %	-50.32	145.51	14.83	7.65	16.95
Capital Expenditures, 1 Yr. Growth %	-73.28	178.94	10.65	25.77	-2.15
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	46.71	25.71	52.86	40.23	22.4
Gross Profit, 2 Yr. CAGR %	47.34	25.86	52.98	40.17	22.26
Earnings From Cont. Operations, 2 Yr. CAGR %	103.16	29.78	66.6	56.19	31.13
Net Income, 2 Yr. CAGR %	103.16	29.78	66.6	56.19	31.13
Normalized Net Income, 2 Yr. CAGR %	107.45	30.04	60.91	50.03	28.14
Diluted EPS Before Extra, 2 Yr. CAGR %	33.59	13.78	42.33	33.23	19.1
Common Equity, 2 Yr. CAGR %	28.41	9.86	31.95	34.71	37.81
Total Assets, 2 Yr. CAGR %	40.21	24.37	30.68	29.85	26.1
Tangible Book Value, 2 Yr. CAGR %	28.37	9.78	31.93	34.72	37.85
Cash From Operations, 2 Yr. CAGR %	-38.29	10.29	68.03	11.18	9.15
Capital Expenditures, 2 Yr. CAGR %	-57.14	-13.67	75.68	17.97	10.94
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	157.16	48.24	34.54	41.82	34.14
Gross Profit, 3 Yr. CAGR %	157.82	48.84	34.62	41.99	33.9
Earnings From Cont. Operations, 3 Yr. CAGR %	237.2	86.27	43.99	56.32	44.99
Net Income, 3 Yr. CAGR %	237.2	86.27	43.99	56.32	44.99
Normalized Net Income, 3 Yr. CAGR %	269.33	88.85	40.9	48.98	42.51
Diluted EPS Before Extra, 3 Yr. CAGR %	61.58	40.75	18.84	40.6	22.48
Common Equity, 3 Yr. CAGR %	57.09	22.6	23.43	26.58	43.56
Total Assets, 3 Yr. CAGR %	100.33	36.08	27.26	29.29	28.43
Tangible Book Value, 3 Yr. CAGR %	56.96	22.55	23.38	26.55	43.61
Cash From Operations, 3 Yr. CAGR %	14.73	-2.31	11.84	44.86	11.01
Capital Expenditures, 3 Yr. CAGR %	103.77	-19.98	-6.22	57.16	10.84
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	229.23	108.78	43.7	29.55
Gross Profit, 5 Yr. CAGR %	-	228.86	109.22	44.1	29.53
Earnings From Cont. Operations, 5 Yr. CAGR %	-	311.69	154.33	73.6	38.7
Net Income, 5 Yr. CAGR %	-	311.69	154.33	73.6	38.7
Normalized Net Income, 5 Yr. CAGR %	-	329.12	164.9	70.07	35.65
Diluted EPS Before Extra, 5 Yr. CAGR %	-	133.25	53.58	37.75	18.98
Common Equity, 5 Yr. CAGR %	-	83.34	46.51	27.31	28.99
Total Assets, 5 Yr. CAGR %	-	172.04	68.86	33.55	26.79
Tangible Book Value, 5 Yr. CAGR %	-	83.23	46.43	27.28	28.98
Cash From Operations, 5 Yr. CAGR %	-	670.12	33.58	2.91	10.76
Capital Expenditures, 5 Yr. CAGR %	-	50.43	92.03	-6.54	0.3