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Bajaj Housing Finance: Strong Growth, Low NPAs & Long-Term Housing Opportunity

Bajaj Housing Finance stands out as a strong long-term play in India’s fast-growing housing finance sector, backed by the trusted Bajaj Group ecosystem, strong execution, and superior asset quality. The company continues to deliver robust growth across loans, profitability, and disbursements while maintaining one of the lowest NPA levels in the industry. The company’s Assets Under Management (AUM) rose nearly 23% YoY to ₹1.40 lakh crore in FY26, driven by healthy demand for home loans and expansion into Tier-2 and Tier-3 markets. Q4FY26 profit after tax stood at ₹669 crore, reflecting steady earnings momentum and operational efficiency. Net interest income also recorded healthy growth, supported by improving scale and strong customer acquisition. One of the biggest strengths of Bajaj Housing Finance is its excellent asset quality, with Gross NPA at just 0.27% and Net NPA at 0.11%, showcasing disciplined underwriting and low credit risk. The company also maintains a strong capital adequacy ratio above 22%, providing ample room for future growth. With rising urbanization, increasing housing demand, government support for affordable housing, and strong brand trust from Bajaj Finance and Bajaj Finserv, the company remains well positioned for sustainable long-term growth. Its digital-first approach, diversified loan portfolio, and improving operational efficiency further strengthen the investment case.