Key Financial Figures (₹ crore)
Quarter Ended 30 September 2026 (Q2 FY27):
- Total Income: ₹3,251.09
- Revenue from Operations: ₹3,250.57
- Interest Income: ₹3,051.74
- Fees and Commission Income: ₹124.54
- Net Gain on Fair Value Changes: ₹24.19
- Sale of Services: ₹7.79
- Income on Derecognised Loans: ₹31.59
- Other Operating Income: ₹10.72
- Finance Costs: ₹1,996.65
- Impairment on Financial Instruments: ₹34.78
- Employee Benefits Expense: ₹162.43
- Profit Before Tax: ₹979.73
- Tax Expense: ₹222.76
- Current Tax: ₹220.11
- Deferred Tax: ₹2.65
- Profit After Tax: ₹756.97
- Total Comprehensive Income: ₹753.27
- Basic EPS: ₹0.91
- Diluted EPS: ₹0.91
Half Year Ended 30 September 2026 (H1 FY27):
- Total Income: ₹6,314.14
- Profit Before Tax: ₹1,908.47
- Profit After Tax: ₹1,472.25
- Total Comprehensive Income: ₹1,478.98
- Basic EPS: ₹1.77
- Diluted EPS: ₹1.77
Comparative Figures (Q2 FY26):
- Profit After Tax: ₹642.96 (18% increase YoY)
- Basic EPS: ₹0.77
Balance Sheet Highlights (as of 30 September 2026):
- Total Assets: ₹1,43,211.53 crore
- Loans: ₹1,39,861.92 crore
- Investments: ₹2,376.90 crore
- Total Financial Assets: ₹1,42,939.72 crore
- Debt Securities: ₹65,368.74 crore
- Borrowings (other than debt securities): ₹52,807.97 crore
- Total Equity: ₹24,023.30 crore
- Equity Share Capital: ₹8,329.00 crore
- Other Equity: ₹15,694.30 crore
Operational Performance
- Assets Under Management: ₹1,58,205 crore (25% YoY growth)
- Disbursements (Q2 FY27): ₹19,935 crore (25% YoY growth)
- Disbursements (H1 FY27): ₹39,444 crore (29% YoY growth)
- Net Interest Income (Q2 FY27): ₹1,055 crore (10% YoY growth)
- Net Total Income (Q2 FY27): ₹1,254 crore (15% YoY growth)
- Operating Expenses to Net Total Income: 19.1% (vs 19.7% in Q2 FY26)
- Loan Losses and Provisions (Q2 FY27): ₹35 crore (vs ₹43 crore in Q2 FY26)
Asset Quality
- Gross NPA: 0.29% (0.26% as of 30 September 2025)
- Net NPA: 0.12% (0.12% as of 30 September 2025)
- Provision Coverage Ratio (on stage 3 assets): 59.80%
Capital Adequacy
- Capital to Risk-Weighted Assets Ratio: 21.24% (Regulatory requirement: 15%)
- Liquidity Coverage Ratio: 146.25% (Regulatory requirement: 100%)
- Debt-Equity Ratio: 4.92
- Net Worth: ₹24,015.22 crore
Product-wise AUM (Q2 FY27)
- Home Loans: ₹85,224 crore (22% YoY growth)
- Loan Against Property: ₹16,382 crore (26% YoY growth)
- Lease Rental Discounting: ₹37,988 crore (39% YoY growth)
- Developer Finance: ₹16,904 crore (13% YoY growth)
- Others: ₹1,707 crore
COVID-19 Resolution Framework Disclosure
Exposure to accounts classified as Standard consequent to implementation of resolution plan:
- Personal Loans: ₹181.04 crore (₹160.72 crore outstanding as of 30 September 2026)
- Corporate Persons: ₹1.22 crore (₹0.69 crore outstanding as of 30 September 2026)
- Total: ₹182.26 crore (₹161.41 crore outstanding as of 30 September 2026)
Loan Assignment Details (H1 FY27)
Loans Transferred through Assignment:
- Retention of beneficial economic interest (MRR): 1% to 35%
- Number of accounts assigned: 2,713
- Amount assigned: ₹4,056.46 crore
- Weighted average residual maturity: 127.14 months
Loans Acquired through Assignment:
- Beneficial economic interest acquired: 90%
- Number of accounts acquired: 14,428
- Amount acquired: ₹2,660.36 crore
- Weighted average residual maturity: 212.92 months
Co-Lending Arrangements (as of 30 September 2026)
- Number of CLA partners: 1
- Number of outstanding cases: 9
- Gross Loan Assets Outstanding: ₹2.62 crore
- Weighted average rate of interest: 7.53%
- Performance: 100% in Stage 1 & 2, 0% in Stage 3
Security Cover Certification
As of 30 September 2026, the company maintained adequate security cover for its listed non-convertible debt securities as per the terms of the offer documents and debenture trust deeds. The security cover ratio for pari-passu charge was certified at 1.001.
Utilization of Proceeds
- Total NCDs issued during H1 FY27: ₹10,700 crore through private placement
- All proceeds utilized for the company's own balance sheet as per objects stated in offer documents
- No deviation or variation in use of funds
Related Party Transactions
Significant transactions during H1 FY27 included:
- Business support charges paid/received: ₹3.39 crore paid to Bajaj Finserv Limited; ₹0.11 crore received from Bajaj Finance Limited
- Servicing fee received: ₹12.01 crore from Bajaj Finance Limited
- Loan portfolio assigned out: ₹2,719.35 crore to Bajaj Finance Limited
- ESOP recharge arrangements: ₹0.65 crore paid to Bajaj Finserv Limited; ₹1.96 crore paid to others
- Commission income: ₹0.58 crore from Bajaj General Insurance Limited; ₹21.32 crore from Bajaj Life Insurance Limited
- Director remuneration: Sitting fees and commissions to various directors
Corporate Details
- Corporate Office: 5th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar, Pune 411014
- Investor grievance email: bhflinvestor.service@bajajhousing.co.in
Credit Ratings
- Long-term debt program: AAA/Stable by CRISIL and India Ratings
- Short-term debt program: A1+ by CRISIL and India Ratings