Bajaj Housing Finance Ltd

Based on the transcript excerpts from pages 7 to 20 of the Bajaj Housing Finance Limited document dated February 02, 2026: - There is no explicit mention of any current or upcoming fundraising through equity in the excerpts. - Regarding debt, the company discusses cost of funds and outlook on borrowing costs but does not specifically mention new debt fundraising plans. - Atul Jain mentions expectations of a 25-30 bps reduction in cost of funds in 2027 due to repricing of existing borrowings and incremental borrowings at cheaper rates. - The company is managing borrowings actively, including assignments (loan sales) as a liability tool, but no specific new debt issuance or equity raise is disclosed. In summary, no direct information on imminent or planned debt/equity fundraising is provided in these pages.

The transcript pages provided do not explicitly mention any current or future capex, capital investment, or strategic investment plans by Bajaj Housing Finance Limited. However, some relevant points include: - The company plans to **accelerate investment in the Sambhav loans unit** over the next 2-3 years to scale rapidly in the near prime and affordable housing finance space (Page 7, Atul Jain). - There is an intention to **significantly grow the near prime and affordable segment** over the next 2-3 years, implying potential capital allocation to support this growth (Page 13, Atul Jain). - OPEX growth could be higher due to increased investments in the Sambhav business (Page 7, Atul Jain). - No specific mention of other capex or strategic investments is made in the provided excerpts. If more detailed capital or strategic investment plans exist, they are not disclosed in these pages.

- 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.

- 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.

The provided pages from Bajaj Housing Finance Limited's document do not contain specific information regarding the company's current or expected orderbook or pending orders. The discussion primarily revolves around organizational structure, business verticals, loan disbursements, competitive intensity, portfolio composition, and credit quality metrics. If you need detailed information on orderbook or pending orders, such data is either not disclosed in these excerpts or may not be applicable given the nature of a housing finance company, which deals primarily with loan portfolios rather than orderbooks typical of manufacturing or project-based companies. Please let me know if you would like information related to loan book status, disbursement growth, or portfolio mix instead.