✨ Free AI Report
Bajaj Housing Finance Limited: Key Facts, Business Model & Financial Analysis Read the overview below or get the full interactive report with Cyborg Score, analyst debate audio & saved-company playlists — free, no credit card.
Get Free Report →
Home Company Research Bajaj Housing Finance Limited
Company Research

Bajaj Housing Finance Limited: Business Overview, Financials & Competitive Analysis

Bajaj Housing Finance Limited is a subsidiary of Bajaj Finance Limited operating as a non-deposit-taking housing finance organization focused on home loans, property loans, and other secured lending products. The comp...

Analyst-debate audio for Bajaj Housing Finance Limited

AskCyborg analysts argue the bull and bear cases for Bajaj Housing Finance Limited across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

Play the free intro →
Free intro · Pro unlocks the full analyst debate
7/ 10Strong

Cyborg Score thesis

Strong housing finance growth fundamentals backed by parent company support, disciplined credit quality, and strategic expansion...

Read the full analyst-debate transcript →
Industry Housing Finance / Non-Banking Financial Company (NBFC)
4 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
AI-Verified Research
30+ Page Report

Get the Latest Bajaj Housing Finance Limited Report

Up-to-date AI-powered research, analyst debate audio & saved-company playlists

Get Current Report Free
✓ No credit card required
or get it by email

Bajaj Housing Finance Limited Overview

Pro stress-test →

Bajaj Housing Finance Limited is a subsidiary of Bajaj Finance Limited operating as a non-deposit-taking housing finance organization focused on home loans, property loans, and other secured lending products. The company serves over 10.6 crore customers nationwide and operates through 217 branches across 175 locations in 21 states from its Pune headquarters.

Strategic Profile

Pro stress-test →

BHFL reported a 24% year-over-year increase in AUM to ₹1,26,749 crores and expanded market share from 1.0% to 1.6%. The company's rapid loan book expansion, strong brand association with Bajaj Finance, and efficient credit underwriting position it to scale rapidly in the post-HDFC merger era. Asset quality is strong with Gross NPA at 0.30% in Q1 FY26, showing minimal loan defaults and reflecting strong credit discipline.

Competitive Landscape

Pro stress-test →

BHFL competes in India's dynamic housing finance sector where it leverages rapid loan book expansion, strong Bajaj Finance brand backing, and efficient underwriting to scale in the post-HDFC consolidation era. The market features major competitors including HDFC Bank, ICICI Home Finance, and SBI Home Loans, with BHFL capturing market share through technology-driven operations and disciplined credit standards.

Industry Context

Bajaj Housing Finance Limited operates in Housing Finance / Non-Banking Financial Company (NBFC).

Key facts

Founded: 2007 · Headquarters: Pune, India · Revenue: ₹10,764.45 crores (TTM) · Market cap: ₹74,158 crores (~$8.9B USD equivalent)

What the analysts stress-tested

The top findings that survived the multi-agent debate for Bajaj Housing Finance Limited.

  • BHFL provided medium-term AUM growth guidance of 21-23% and aims to capture 5% market share in incremental home loan originations
  • Net Interest Margin held steady at 4.0% in Q1 FY26, indicating stable earnings from lending operations amid competitive market
+2 more stress-tested counter-arguments unlock with Pro. Read the full analyst debate →

Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Stock price at ₹89.29, down 34.81% from 52-week high of ₹136.96 amid parent company divestment plans
  • December 2025Parent company Bajaj Finance begins scheduled divestment through open market transactions to reduce stake below regulatory threshold
  • +1 moreTrack every material event for Bajaj Housing Finance Limited as it happens. Explore monitoring →
Get alerted when Bajaj Housing Finance Limited has a new material development →

Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

HDFC BankLeading housing finance through merged HDFC-ICICI operations→ICICI Home FinanceMajor competitor in retail housing and property-backed lending→SBI Home LoansGovernment-backed housing finance provider→LIC Housing FinanceEstablished player in affordable housing segment→

Compare Bajaj Housing Finance Limited with another company

Pick any company in the AskCyborg corpus to see side-by-side Cyborg Scores and insights.

vs
Side-by-side opens in your AskCyborg account

Industry context

Bajaj Housing Finance Limited operates in Housing Finance / Non-Banking Financial Company (NBFC). See how the rest of the sector scores on the Cyborg framework.

Browse Housing Finance / Non-Banking Financial Company (NBFC) research →
NEW · MCP server

Ask your AI assistant about Bajaj Housing Finance Limited

Install the free AskCyborg MCP server in Claude, Cursor, Cline, Continue, or Windsurf and ask any of these in-line:

“Compare Bajaj Housing Finance Limited and its top competitor on Cyborg Score”
“What did Bajaj Housing Finance Limited do this quarter?”
“Is Bajaj Housing Finance Limited a defensible business in 5 years?”
Install the MCP server (10 sec) →
Free, anonymous, no API key required

How AskCyborg builds confidence

⚔

Analyst debate, not single-author opinion

Every report is stress-tested by a panel of AI analysts arguing across 11 dimensions. The output is the part of the case that survived pushback.

📊

Recalibrated weekly

The Cyborg Score is recomputed weekly against fresh data. Recent material developments are continuously tracked and surfaced.

🔗

Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The same company gets the same score from any analyst running the framework.

🔒

Free tier is free

No credit card to read the research. Pro adds saved-company audio playlists, monitoring, audio briefings on demand, and PDF export for $39/mo annual.

Sources: public filings, regulatory data, news flow, and proprietary analyst signals. Read the methodology →

Frequently asked questions

What does Bajaj Housing Finance Limited do?+
Bajaj Housing Finance Limited is a subsidiary of Bajaj Finance Limited operating as a non-deposit-taking housing finance organization focused on home loans, property loans, and other secured lending products. The comp...
What is Bajaj Housing Finance Limited's Cyborg Score?+
Bajaj Housing Finance Limited has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Bajaj Housing Finance Limited's main competitors?+
Named competitors include HDFC Bank, ICICI Home Finance, SBI Home Loans, LIC Housing Finance. The full competitive landscape is in the AskCyborg report.
How can I get the full Bajaj Housing Finance Limited research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Bajaj Housing Finance Limited research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

Track Bajaj Housing Finance Limited over time

Pro members get saved-company audio playlists, Cyborg Score recalibrations, and monitoring for material events across the AskCyborg corpus.

See Pro features
From $39/mo annual

More Housing Finance research

Companies in the same sector and named competitors, ranked by Cyborg Score.

7Sammaan Capital Limited6Aavas Financiers Limited6LIC Housing Finance Limited5Repco Home Finance Limited