INTEGRATED FILING — NBFC



General information about company

Scrip code 544252
NSE Symbol BAJAJHFL
MSEI Symbol NA
ISIN INE377Y01014
Name of company Bajaj Housing Finance Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 02-02-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third 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 Unaudited
Segment Reporting Single segment
Description of single segment HFC
Start date and time of board meeting 02-02-2026   14:00:00
End date and time of board meeting 02-02-2026   15:40:00
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 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
.


Financial Results — NBFC

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Income
Revenue from operations
(i) Interest Income 2,69,730.00 7,80,433.00
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 7,728.00 20,381.00
(v) Net gain on fair value changes 1,310.00 7,918.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 0.00 0.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 10.00 1,671.00
(ix) Other revenue from operations
1 Income on derecognised (assigned) loans 8,991.00 11,613.00
2 Bad Debt recoveries 222.00 1,191.00
3 Digital Advertisement Charges 579.00 2,383.00
4 Others 23.00 59.00
Total other revenue from operations 9,815.00 15,246.00
Total Revenue From Operations 2,88,593.00 8,25,649.00
Other income 11.00 300.00
Total income 2,88,604.00 8,25,949.00
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 14,190.00 41,361.00
Finance costs 1,73,351.00 4,99,743.00
Depreciation, depletion and amortisation expense 1,202.00 3,481.00
Fees and commission expense 324.00 993.00
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 0.00 0.00
Impairment on financial instruments 5,635.00 14,710.00
(f) Other expenses
1 others 6,134.00 18,933.00
Total other expenses 6,134.00 18,933.00
Total expenses 2,00,836.00 5,79,221.00
3 Total profit before exceptional items and tax 87,768.00 2,46,728.00
4 Exceptional items (1,314.00) (1,314.00)
5 Total profit before tax 86,454.00 2,45,414.00
7 Tax expense
8 Current tax 19,536.00 57,917.00
9 Deferred tax 429.00 (1,618.00)
10 Total tax expenses 19,965.00 56,299.00
11 Net Profit Loss for the period from continuing operations 66,489.00 1,89,115.00
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0.00 0.00
15 Total profit (loss) for period 66,489.00 1,89,115.00
16 Other comprehensive income net of taxes (175.00) (1,278.00)
17 Total Comprehensive Income for the period 66,314.00 1,87,837.00
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 8,32,866.00 8,32,866.00
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 0.8 2.27
Diluted earnings per share from continuing operations 0.8 2.27
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 0.8 2.27
Diluted earnings per share 0.8 2.27
23 Debt equity ratio 4.4900 4.4900
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 meeting held on 2 February 2026 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) and the National Housing Bank (NHB) 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 nine months ended 31 December 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 Master circular dated 13 August 2025 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.'Disclosures on the details of loans transferred / acquired during the quarter and nine months ended 31 December 2025, as per the Reserve Bank of India (Non-Banking Financial Companies - Financial Statements: Presentation and Disclosures) Directions, 2025 dated 28 November 2025. (a) Details of loans (not in default) transferred through assignment Particulars For the quarter ended For the nine months 31 December 2025 ended 31 December 2025 Retention of beneficial economic interest (MRR)* 1% 10% 1% 10% Number of accounts assigned 21 3523 21 4192 through Direct Assignment Amount of loan account 2740.57 738.43 2740.57 1064.53 assigned (Rs. in crore) Weighted average residual 149.91 173.73 149.91 161.70 maturity (in months) Weighted average holding 20.61 15.24 20.61 13.69 period (in months) Coverage of tangible security 100% 100% 100% 100% Rating-wise distribution of Unrated Unrated Unrated Unrated rated loans * Retained by the originator '(b) Details of loans (not in default) acquired Particulars For the quarter ended For the nine months 31 December 2025 ended 31 December 2025 'Beneficial economic interest acquired * 90% 80% 90% 80% 'Number of accounts acquired 5357 - 14524 9 Amount of loan account 773.94 - 2177.34 23.77 acquired (Rs. in crore) Weighted average residual 221.42 - 216.30 162.83 maturity (in months) Weighted average holding 17.80 - 16.64 11.72 period (in months) Coverage of tangible security 100% 100% 100% 100% Rating-wise distribution of Unrated Unrated Unrated Unrated rated loans * Acquired by the assignee '(c) Details of stressed loans Acquired NIL 'Particulars 'Nine months ended 31 December 2025 'To ARCs 'NPA SMA 'Number of Accounts 593 - 'Aggregate principal outstanding 57.16 - of loans transferred (Rs. in crore 'Weighted average residual tenor 229.04 - of the loans transferred (in months) Transferred 'Net book value of loans transferred 20.75 - (at the time of transfer) (Rs. in crore) 'Aggregate consideration (Rs. in crore) 30.86 - 'Excess provision reversed to the 10.11 - profit and loss account (Rs. in crore) 'No stressed loans transferred during the quarter ended 31 December 2025. 5.'In accordance with the Reserve Bank of India (Non-Banking Financial Companies – Resolution of Stressed Assets) Directions, 2025, no resolution plans have been implemented during the quarter ended 31 December 2025 in projects financed on or after 1 October 2025. Hence, no disclosure is required pertaining to projects financed under the Reserve Bank of India (Non-Banking Financial Companies – Financial Statements: Presentation and Disclosures) Directions, 2025. 6.'On 21 November 2025, the Government of India consolidated 29 existing labour legislations into a unified framework comprising 4 Labour codes. In accordance with the requirements of Ind AS 19 ‘Employee Benefits’, these changes have resulted in an estimated increase in the past service cost of gratuity by Rs. 13.14 crore. Considering that the enactment of the new legislation is a non-recurring event, the Company has presented this one-time charge under 'Exceptional Item'. The Company continues to monitor the finalisation of the Central and State Rules and clarifications from the Government on the New Labour Codes and shall provide appropriate accounting effect based on such developments, as necessary. 7.Disclosures in compliance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the quarter ended 31 December 2025 and 31 December 2024 is attached as Annexure-II. 8.'Figures for the previous periods have been regrouped, wherever necessary, to make them comparable with the current period 9.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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
Whether results 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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
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 Re-measurement gains/(losses) on defined benefit plans 15700000 6100000
Total Amount of items that will not be reclassified to profit and loss 15700000 6100000
2 Income tax relating to items that will not be reclassified to profit or loss 39.00 15.00
3 Amount of items that will be reclassified to profit and loss
1 (i) Gains/(losses) on Investment measured at FVOCI -39100000 -176900000
Total Amount of items that will be reclassified to profit and loss -39100000 -176900000
4 Income tax relating to items that will be reclassified to profit or loss (98.00) (445.00)
5 Total Other comprehensive income (175.00) (1,278.00)