Bajaj Housing Finance Limited Q1 FY26 earnings call summary

Earnings call of 23 Jul 2025, summarised by AI from the filing.

₹583 cr (Q1 FY25: ₹483 cr, +21%).

Key takeaways

1. PAT ₹583 cr (Q1 FY25: ₹483 cr, +21%).
2. Margin outlook NIM/NTI expected to moderate by 15-20 bps in FY26.
3. Growth driver Disbursements grew 22% to ₹14,651 cr, but AUM growth flat due to higher attrition.
4. Competition risk Intense competitive pricing causing higher attrition and lower AUM growth.

Original filing on BSE

Bajaj Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹3,063 cr (+17% year on year), EBITDA ₹2,830 cr (+19% year on year), PAT ₹715 cr (+23% year on year), EBITDA margin 92.4% (+176 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,903 cr (+16% year on year), EBITDA ₹2,640 cr (+16% year on year), PAT ₹669 cr (+14% year on year), EBITDA margin 91.0% (−3 bps). Score 56 of 100, In line with trend. EBITDA margin was flat year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −5.5% in 30 days (Nifty 500: +0.6%).
• Q3 FY26: Revenue ₹2,886 cr (+18% year on year), EBITDA ₹2,623 cr (+17% year on year), PAT ₹665 cr (+21% year on year), EBITDA margin 90.9% (−53 bps). Score 59 of 100, In line with trend. EBITDA margin fell 53 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −6.2% in 30 days (Nifty 500: −1.9%).
• Q2 FY26: Revenue ₹2,755 cr (+14% year on year), EBITDA ₹2,503 cr (+12% year on year), PAT ₹643 cr (+18% year on year), EBITDA margin 90.9% (−176 bps). Score 51 of 100, In line with trend. EBITDA margin fell 176 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −12.6% in 29 days (Nifty 500: +1.4%).
• Q1 FY26: Revenue ₹2,616 cr, EBITDA ₹2,371 cr, PAT ₹583 cr, EBITDA margin 90.6%. Not scored. No result for the same quarter last year. Share price after the results: −7.6% in 30 days (Nifty 500: −1.9%).
• Q4 FY25: Revenue ₹2,508 cr, EBITDA ₹2,282 cr, PAT ₹587 cr, EBITDA margin 91.0%. Not scored. No result for the same quarter last year. Share price after the results: −5.6% in 30 days (Nifty 500: +2.4%).
• Q3 FY25: Revenue ₹2,449 cr, EBITDA ₹2,239 cr, PAT ₹548 cr, EBITDA margin 91.4%. Not scored. No result for the same quarter last year.
• Q2 FY25: Revenue ₹2,410 cr, EBITDA ₹2,232 cr, PAT ₹546 cr, EBITDA margin 92.6%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

Bajaj Housing Finance Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (29 Jul 2026), Results deck (29 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026)
• Q3 FY26: Earnings call (2 Feb 2026), Results deck (2 Feb 2026)
• Q2 FY26: Earnings call (6 Nov 2025), Results deck (6 Nov 2025)
• Q1 FY26: Earnings call (23 Jul 2025), Results deck (23 Jul 2025)
• Q4 FY25: Earnings call (23 Apr 2025), Results deck (23 Apr 2025)
• Other events: Strategy deck (18 Aug 2026), Strategy deck (11 May 2026), Strategy deck (5 Dec 2025)