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)