INTEGRATED FILING — NBFC



General information about company

Scrip code 544252
NSE Symbol BAJAJHFL
MSEI Symbol NOTLISTED
ISIN INE377Y01014
Name of company Bajaj Housing Finance Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 23-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 30-Jun-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Single segment
Description of single segment HFC
Start date and time of board meeting 23-Jul-2025   14:30:00
End date and time of board meeting 23-Jul-2025   15:35:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
NA


Financial Results — NBFC
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations
(i) Interest Income 24925900000 24925900000
(ii) Dividend Income 0 0
(iii) Rental Income 0 0
(iv) Fees and commission Income 586800000 586800000
(v) Net gain on fair value changes 380100000 380100000
(vi) Net gain on derecognition of financial instruments under amortised cost category 0 0
(vii) Sale of products (including Excise Duty) 0 0
(viii) Sale of services 64500000 64500000
(ix) Other revenue from operations
1 Income on derecognised (assigned) loans 111300000 111300000
2 Bad Debt recoveries 28700000 28700000
3 Digital Advertisement Charges 58000000 58000000
4 Others 1800000 1800000
Total other revenue from operations 199800000 199800000
Total Revenue From Operations 26157100000 26157100000
Other income 27400000 27400000
Total income 26184500000 26184500000
2 Expenses
Cost of materials consumed 0 0
Purchases of stock-in-trade 0 0
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0 0
Employee benefit expense 1356200000 1356200000
Finance costs 16059600000 16059600000
Depreciation, depletion and amortisation expense 110900000 110900000
Fees and commission expense 32100000 32100000
Net loss on fair value changes 0 0
Net loss on derecognition of financial instruments under amortised cost category 0 0
Impairment on financial instruments 410900000 410900000
(f) Other expenses
1 Others 645400000
Total other expenses 645400000 645400000
Total expenses 18615100000 18615100000
3 Total profit before exceptional items and tax 7569400000 7569400000
4 Exceptional items 0 0
5 Total profit before tax 7569400000 7569400000
7 Tax expense
8 Current tax 1929800000 1929800000
9 Deferred tax -193400000 -193400000
10 Total tax expenses 1736400000 1736400000
11 Net Profit Loss for the period from continuing operations 5833000000 5833000000
12 Profit (loss) from discontinued operations before tax 0 0
13 Tax expense of discontinued operations 0 0
17 Net profit (loss) from discontinued operation after tax 0 0
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0 0
15 Total profit (loss) for period 5833000000 5833000000
16 Other comprehensive income net of taxes 45500000 45500000
17 Total Comprehensive Income for the period 5878500000 5878500000
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
20 Details of equity share capital
Paid-up equity share capital 83284400000 83284400000
Face value of equity share capital 10 10
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 0.7 0.7
Diluted earnings per share from continuing operations 0.7 0.7
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 0.7 0.7
Diluted earnings per share 0.7 0.7
23 Debt equity ratio 0.0431 0.0431
24 Debt service coverage ratio 0.0 0.0
25 Interest service coverage ratio 0.0 0.0
26 Disclosure of notes on financial results Textual Information(1)


Remarks
23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block
Textual Information(1) 1.The above results have been reviewed by the Audit Committee and approved by the Board of Directors at its meetings held on 23 July 2025 and subjected to limited review by joint statutory auditors pursuant to Regulation 33 and 52 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. The financial results of the Company have been prepared in accordance with Indian Accounting Standards prescribed under Section 133 of the Companies Act, 2013 read with the Companies (Indian Accounting Standards) Rules 2015, as amended from time to time and other recognised accounting practices generally accepted in India along with the circulars, guidelines and directions issued by Reserve Bank of India (RBI) from time to time. These financial results are available on the website of the Company viz. www.bajajhousingfinance.in and on the website of BSE Limited (www.bseindia.com) and National Stock Exchange of India Limited (www.nseindia.com). 2.All the secured non-convertible debentures of the Company including those issued during the period ended 30 June 2025, are fully secured by hypothecation of book debts/loan receivables to the extent as stated in the respective information memorandum. Further, the Company has at all times, for the non convertible debentures issued, maintained asset cover as stated in the respective information memorandum which is sufficient to discharge the principal amount, interest accrued thereon and such other sums as mentioned therein. The details for security cover as per the format prescribed by the SEBI vide circular dated 19 May 2022 is attached in Annexure-I. 3.The Company is engaged primarily in the business of financing and accordingly there are no separate reportable segments as per Ind AS 108 dealing with Operating Segment. 4.The Allotment Committee allotted 41,87,918 equity shares on 11 April 2025, having face value of Rs. 10 each at applicable grant price to 'Bajaj Housing Finance ESOP Trust' under the Company's Employee Stock Option Scheme 2024. 5.'Disclosures pursuant to RBI Notification - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated 24 September 2021 '(a) Details of loans (not in default) transferred through assignment Particulars For the quarter ended 30 June 2025 Retention of beneficial economic interest (MRR)* 10% Number of accounts assigned through Direct Assignment 211 Amount of loan account assigned (Rs. in crore) 143.60 Weighted average residual maturity (in months) 130.97 Weighted average holding period (in months) 9.41 Coverage of tangible security 100% Rating-wise distribution of rated loans Unrated '(b) Details of loans (not in default) acquired Particulars For the quarter ended 30 June 2025 Beneficial economic interest acquired * 90% 80% Number of accounts acquired 4,694 5 Amount of loan account acquired (Rs. in crore) 713.65 10.33 Weighted average residual maturity (in months) 209.53 150.89 Weighted average holding period (in months) 14.63 8.88 Coverage of tangible security 100% 100% Rating-wise distribution of rated loans Unrated Unrated * Acquired by the assignee (c) The Company has not acquired/transferred any stressed loan during the quarter ended 30 June 2025. 6.'During the year ended 31 March 2025, the Company made an Initial Public Offering (IPO) for 93,71,42,856 equity shares of Rs. 10 each, comprising a fresh issue of 50,85,71,428 equity shares of the Company and 42,85,71,428 equity shares offered for sale by selling shareholders. The equity shares were issued at a price of Rs. 70 per equity share (including a Share Premium of Rs. 60 per equity share). The Company’s equity shares got listed on National Stock Exchange of India Limited and on BSE Limited on 16 September 2024. (Rs in crore) Objects of the issue as Amount to be Amount utilised Total amount per prospectus utilised (net) upto 30 June 2025 unutilised up to to 30 June 2025 Augmenting capital base to meet 3,499.55 3,499.55 - the future business requirements of the Company towards onward lending Estimated IPO Expenses 60.45 60.45 - Total 3,560.00 3,560.00 - 7.The Company has reassessed its business model of collecting cash flows on one of its loan products from ‘Hold to collect & sell’ to ‘Hold to collect’ and consequently, with effect from 1 April 2025, has reclassified such loan balances from Fair Value through Other Comprehensive Income (FVOCI) to Amortised Cost. This reclassification has no impact on the financial statement. 8.Disclosures in compliance with Regulation 52 (4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the quarter ended 30 June 2025 is attached as Annexure-II. 9.The figures for the quarter ended 31 March 2025 represents balancing figures between the audited figures for the year ended 31 March 2025 and year to date figures upto 31 December 2024 which were subjected to limited review by joint statutory auditors 10.'Figures for the previous periods/year have been regrouped, wherever necessary, to make them comparable with the current period/year. 11.The Company has designated an exclusive email ID viz. bhflinvestor.service@bajajhousing.co.in for investor grievance redressal.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
Whether accounts are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Gratuity Acturial gains/Losses -4800000 -4800000
Total Amount of items that will not be reclassified to profit and loss -4800000 -4800000
2 Income tax relating to items that will not be reclassified to profit or loss -1200000 -1200000
3 Amount of items that will be reclassified to profit and loss
1 Gain/Losses measured at FVOCI on investment 65600000 65600000
Total Amount of items that will be reclassified to profit and loss 65600000 65600000
4 Income tax relating to items that will be reclassified to profit or loss 16500000 16500000
5 Total Other comprehensive income 45500000 45500000