Bajaj Housing Finance Ltd Q3 FY26 Results & Concall Highlights: Revenue, Margins & Order Book
Published 6 Aug 2026 | Finance | Market Cap: ₹72.5K Cr
Bajaj Housing Finance aims to nearly double the disbursement run rate in the near prime and affordable segments over the next 12-15 months, signaling aggressive growth plans. Medium-term growth guidance is 24% to 26% annually (3 to 4 years horizon).
From Bajaj Housing Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Price
₹84.8
Market Cap
₹72.5K Cr
P/E Ratio
26.8
How does Bajaj Housing Finance Ltd rank in Finance?
Compare Bajaj Housing Finance Ltd against every Finance company this quarter on revenue, margins and earnings-call signals.
📊 Revenue & Sales Performance
- →Bajaj Housing Finance aims to nearly double the disbursement run rate in the near prime and affordable segments over the next 12-15 months, signaling aggressive growth plans.
- →The mix of affordable housing disbursements is expected to increase beyond the current 35% in the medium term, potentially rising towards 50% or higher over a 3-year horizon.
- →Volume growth in prime and super prime segments is expected to continue, driven by market growth and deeper inroads led by experienced leadership.
- →Overall, the company remains optimistic about volume growth across all segments—prime, super prime, near prime, and affordable—in the next 12-18 months.
- →The medium-term growth guidance is 24%-26%, with current year AUM growth expected at 21%-23%, reflecting a balance between competitive pricing pressure and stabilized interest rates.
- →The company’s strategy focuses on scaling newer segments while maintaining strong underwriting discipline to manage credit risk.
📈 Profitability & Margins
- →Medium-term growth guidance is 24% to 26% annually (3 to 4 years horizon).
- →FY'26 growth is guided at 21% to 23%, slightly lower due to higher attrition from balanced transfer out to banks.
- →As interest rates stabilize, attrition pressure is expected to reduce, supporting growth returning to medium-term guidance.
- →The company aims to nearly double near prime and affordable disbursement run rates over next 12-15 months, indicating aggressive growth investment.
- →PAT for 9 months FY'26 has grown by 20%, with operating expenses growing at a relatively controlled rate improving operating leverage.
- →NIM expected to maintain with slight pressure; net total income expected to grow by ~24%, operating expenses by 20%.
- →Credit cost stabilized; ROA around 2.3%, ROE improving to 12%-12.3%.
- →Continuous focus on market share gain in home loans and scaled growth in non-home loan segments supports profit growth.
🏗️ Capital Expenditure Plans
💰 Fundraising & Capital Structure
📋 Order Book & Pipeline
Key Metrics
Frequently Asked Questions
What were Bajaj Housing Finance Ltd Q3 FY26 results?
Bajaj Housing Finance aims to nearly double the disbursement run rate in the near prime and affordable segments over the next 12-15 months, signaling aggressive growth plans. Medium-term growth guidance is 24% to 26% annually (3 to 4 years horizon).
What is Bajaj Housing Finance Ltd share price analysis?
Bajaj Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 26.8 with a market cap of ₹72,475 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bajaj Housing Finance Ltd planning capital expenditure?
The transcript pages provided do not explicitly mention any current or future capex, capital investment, or strategic investment plans by Bajaj Housing Finance Limited.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.