Event Type: Quarterly earnings conference call and investor presentation for Q1 FY27 results.

Date and Time: The conference call was scheduled for 29 July 2026 at 18:30 hrs IST.

Purpose: Discussion of quarterly results for the quarter ended 30 June 2026.

Management Participants: Not explicitly mentioned in the disclosure.

Availability of Materials: The investor presentation was made available on the company's website at https://www.bajajhousingfinance.in/investor-presentation. A live webcast was accessible via a provided registration link.

UPSI Statement: The document does not contain any specific statement regarding unpublished price sensitive information.

Financial Highlights:

  • AUM: ₹149,624 Cr as of 30 June 2026, up 24% YoY
  • Disbursements: ₹19,509 Cr in Q1 FY27, up 33% YoY
  • PAT: ₹715 Cr in Q1 FY27, up 23% YoY
  • Net Interest Income: ₹968 Cr in Q1 FY27, up 9% YoY
  • ROA: 2.3% (annualized) for Q1 FY27
  • ROE: 12.5% (annualized) for Q1 FY27
  • Opex to NTI: 19.6% in Q1 FY27 vs 21.2% in Q1 FY26
  • Asset Quality: GNPA at 29 bps, NNPA at 12 bps, PCR at 61.46%
  • Capital Adequacy: CRAR at 21.59% (Tier-1: 21.17%) vs regulatory requirement of 15.00%

Portfolio Composition:

  • Home Loans: 54.1% of AUM (₹80,865 Cr), grew 20% YoY
  • Loan Against Property: ₹15,445 Cr, grew 22% YoY
  • Lease Rental Discounting: ₹34,604 Cr, grew 41% YoY
  • Developer Finance: ₹17,002 Cr, grew 19% YoY
  • Other loans: ₹1,708 Cr

Forward-looking Statements:

Management provided FY27 guidance:

  • AUM growth: 21-23%
  • NIM moderation: 20-25 bps
  • Opex to NTI: 19-20%
  • GNPA: 30-35 bps
  • Credit cost: 10-15 bps
  • ROA: 2.1-2.3%
  • ROE: 12-13%
  • Leverage: 5.8-6.3 times

Additional Notes Section

The document includes an extensive investor presentation with detailed financial performance, business updates, treasury information, asset quality metrics, and management assessment for FY27.

No financial data was disclosed in the announcement letter itself; all financial information was contained in the attached investor presentation.

The filing was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.