Date and Time: The call was held on July 29, 2026, at 6:30 p.m. IST.
Purpose: Discussion of the financial results for the quarter ended June 30, 2026 (Q1 FY27), including business performance, financial metrics, and management outlook.
Earnings Announcement Timing: The earnings were announced on July 13, 2026, and the call was held post-results.
Management Participants: Mr. Atul Jain (Managing Director), Mr. Gaurav Kalani (Chief Financial Officer), and the senior management team.
Presentation Availability: The investor presentation deck and audio recording of the call were uploaded on the company's website at https://www.bajajhousingfinance.in/investor-presentation. The transcript was also filed with the exchanges.
UPSI Statement: The company did not explicitly state that no unpublished price sensitive information (UPSI) would be shared, but the discussion was based on disclosed financial results and published materials.
Financial Highlights Discussed:
Financial Period: Q1 FY27 (quarter ended June 30, 2026).
AUM: INR 1.496 lakh crore, up 24% YoY, with highest-ever quarterly growth of INR 8,918 crore.
Disbursements: INR 19,509 crore, up 33% YoY and 11% QoQ.
PAT: INR 715 crore, up 23% YoY.
Asset Quality: GNPA at 29 bps, NNPA at 12 bps, annualized credit cost at 5 bps.
Returns: ROA stable at 2.3%, ROE improved to 12.5% from 11.6% in Q1 FY26.
Product Mix: Home loans 54.1%, LAP 10.3%, LRD 23.1%, developer finance 11.4%.
Cost of Funds: 7.2%, down 7 bps QoQ.
NIM: 3.7%, down 14 bps QoQ.
Opex to Net Income: Improved to 19.6% from 21.2% in Q1 FY26.
Forward-Looking Statements & Strategic Themes:
FY27 Guidance: NIM expected to moderate by 20-25 bps due to stable interest rates and competitive intensity; ROE projected at 12.5%-13%; credit costs estimated at 10-15 bps; GNPA expected at 30-35 bps; operating efficiency targeted at 19%-20%.
Sambhav Housing: Monthly disbursement run rate of INR 450-465 crore in Q1, targeting INR 600+ crore in the next 9 months; affordable mix at ~33% within Sambhav; operational in 73 urban and 72 rural locations.
AI Initiatives: Deployment of AI across loan lifecycle for customer experience and controllership, including voice agents, credit discussion intelligence, and customer assist platforms.
Additional Notes Section
Attachments: The transcript (PDF) was attached to the regulatory filing and uploaded on the company website.
Financial Data Disclosure: The announcement itself did not contain financial data; it referred to the already published results and the detailed discussion in the call transcript.
Logistical Details: Dial-in numbers were not included in this disclosure, as it is a transcript filing.
