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Housing Finance LimitedMain BoardEquity2024-04-012025-03-312025-04-232025-04-05INRCroresQuarterlyFourth quarterSingle segmentHFC2025-04-2315:15:002025-04-2316:35:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueNANAtruetruetrue2025-03-19https://www.bajajhousingfinance.in/documents/37350/53075/BHFL+Policy+on+Materiality+of+%26+dealing+with+Related+Party+Transactions+19.03.2025.pdffalsefalseNA2025-01-012025-03-31UnauditedStandalone23737300000005153000002708000000024000005538000002507960000060000025080200000000132970000015509300000110900000303000000029590000060660000017882700000719750000007197500000128990000040800000133070000058668000000000586680000073500000594030000083281500000100.70.7000.70.70.0411003. The above results have been reviewed by the Audit Committee and approved by the Board of Directors at its meetings held on 23 April 2025 and reviewed/audited 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 (Ind AS) 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). <BR> <BR> 4. All the secured non-convertible debentures of the Company including those issued during the year ended 31 March 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 secured 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. <BR> <BR> 5. 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. <BR> 6. (a) Disclosures pursuant to RBI Notification - RBI/2020-21/16 DOR.No.BP.BC/3/21.04.048/2020-21 dated 6 August 2020 and RBI/2021-22/31 DOR.STR.REC.11/21.04.048/2021-22 dated 5 May 2021: <BR> <BR> Type Exposure of Of (A), aggregate of (A) amount of (A) amount Exposure to <BR> of borrower accounts as debt that slipped written off paid by the accounts <BR> Standard into NPA during during the borrowers classified as <BR> consequent to the half year half year during the half standard <BR> Implementation ended 31 Mar 25 ended year ended consequent to <BR> of resolution plan (B) 31 Mar 25 31 Mar 25 implementation <BR> Position as at the (C)# (D)* of resolution <BR> end of 30 Sep 24 plan position as <BR> (A)$ at the end of <BR> 30 Sep 2022 <BR> <BR> Personal Loans 248.95 7.28 0.24 19.74 221.93 <BR> Corporate persons 1.57 - - 0.04 1.53 <BR> of which, MSMEs 0.36 - - 0.01 0.35 <BR> Others 1.21 - - 0.03 1.18 <BR> Total 250.52 7.28 0.24 19.78 223.46 <BR> <BR> # Represents debt that slipped into Stage 3 and written off during the half year ended 31 March 2025. <BR> * Represents receipts net of interest accruals and drawdown, if any. <BR> $ Includes restructuring implemented pursuant to OTR 2.0 executed till 31 December 2021 for personal loans, individual business loans and small business loans. <BR> <BR> 7. Disclosures pursuant to RBI Notification - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated 24 September 2021 <BR> (a) Details of loans (not in default) transferred through assignment <BR> <BR> Particulars For the quarter ended For the year ended <BR> 31 March 2025 31 March 2025 <BR> Retention of beneficial economic 1% 10% 1% 10% <BR> interest (MRR)* <BR> Number of accounts assigned through 58 1315 1654 5877 <BR> Direct Assignment <BR> Amount of loan account assigned Rs in crore 2909.62 457.88 3361.66 2225.52 <BR> Weighted average residual maturity (in months) 143.22 159.69 148.27 146.98 <BR> Weighted average holding period (in months) 16.78 16.17 17.60 16.59 <BR> Coverage of tangible security 100% 100% 100% 100% <BR> Rating-wise distribution of rated loans Unrated Unrated Unrated Unrated <BR> <BR> * Retained by the originator <BR> <BR> (b) Details of loans (not in default) acquired <BR> <BR> <BR> Particulars For the quarter ended For the yearr ended <BR> 31 March 2025 31 March 2025 <BR> <BR> Beneficial economic interest acquired * 90% 80% 90% 80% <BR> Number of accounts acquired 9845 - 34040 1 <BR> Amount of loan account acquired (Rs.in crore) 1047.57 - 4447.63 2.98 <BR> Weighted average residual maturity (in months) 234.33 - 225.24 172.00 <BR> Weighted average holding period (in months) 24.40 - 19.72 22.48 <BR> Coverage of tangible security 100% - 100% 100% <BR> Rating-wise distribution of rated loans Unrated - Unrated Unrated <BR> <BR> * Acquired by the assignee <BR> <BR> (c) The Company has not acquired/transferred any stressed loan during the quarter and year ended 31 March 2025 <BR> <BR> 8. The Company holds macro-economic overlay of Rs. 34 crore as at 31 March 2025. <BR> 9. The Company re-assessed its income tax position on deductibility of certain expenditure. Accordingly, the Company has reversed tax expense for earlier years amounting to Rs. 24.44 crore and reduced the current year’s tax provision by Rs. 9.78 crore resulting in overall tax reduction of Rs. 34.22 crore during the quarter ended 31 March 2025. <BR> 10. During the year ended 31 March 2024, the Company had reviewed the probability of utilisation of the Special Reserve created u/s 36(1)(viii) of the Income Tax Act, 1961. Since there was no intention of utilisation of this Special Reserve in future and the deferred tax liability created on the said special reserve was not capable of being reversed, in the absence of any temporary difference, no deferred tax liability was required to be recognised. Consequent to this review, the deferred tax liability of Rs 73.09 crore as at 1 April 2023, was reversed with corresponding credit to the Statement of Profit and Loss. <BR> 11 On 3 April 2024, the Special Committee for Rights Issue constituted by the Board of Directors has allotted, on rights basis, 1,10,74,19,709 equity shares of face value Rs.10 each for cash at Rs. 18.06 (including premium of Rs.8.06) per equity share, aggregating to Rs. 19,99,99,99,944.54, to Bajaj Finance Limited (the parent company). <BR> <BR> 12 .During the year the Company has made an Initial Public Offer (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). Pursuant to the aforesaid allotment of equity shares, the issued, subscribed and paid-up capital of the Company stands increased to Rs. 83,28,14,67,010 (8,32,81,46,701 Equity shares of Rs. 10 each). The Company’s equity shares got listed on National Stock Exchange of India Limited and on BSE Limited on 16 September 2024. <BR> (Rs. in crore) <BR> <BR> Objects of the issue Amount to be utilised Amount utilised up to Total amount unutilised <BR> as per prospectus 31 March 2025 up to 31 March 2025 <BR> <BR> Augmenting capital base to meet 3499.55 3499.55 - <BR> the future business requirements <BR> of the Company towards <BR> onward lending. <BR> <BR> Estimated IPO Expenses* 60.45 53.54 6.91 <BR> Total 3,560.00 3,553.09 6.91 <BR> <BR> <BR> * Unutilised amount from estimated IPO expenses which are parked in escrow accounts shall be received upon submission of requisite documents. <BR> 13. Disclosures in compliance with Regulation 52 (4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the quarter ended 31 March 2025 and 31 March 2024 is attached as Annexure-II. <BR> 14. 'The figures for the last quarter of the current and previous financial year are the balancing figures between audited figures in respect of the full financial year and the published year to date figures up to the end of third quarter of the current and previous financial year which were subjected to limited review by statutory auditors. <BR> 15. 'Figures for the previous periods/year have been regrouped, wherever necessary, to make them comparable with the current period/year. <BR> 16. The Company has designated an exclusive email ID viz. bhflinvestor.service@bajajhousing.co.in for investor grievance redressal. <BR> <BR> <BR> <BR> <BR> <BR> <BR> 2024-04-012025-03-31AuditedStandalone89861500000002011800000164260000000328400000191180000095756100000350000095759600000000483630000059792600000411500000119300000008008000002096800000680573000002770230000002770230000059417000001316000006073300000216290000000000216290000001109000002173990000083281500000101161865000002.672.67002.672.670.041100Income on derecognised (assigned) loans460900000Bad Debt recoveries39100000Digital Advertisement Charges48800000Others5000000Income on derecognised (assigned) loans1437300000Bad Debt recoveries216300000Digital Advertisement 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Fees1300000NA130000000Bajaj Housing Finance Limited******Dr. Arindam K Bhattacharya******DirectorAny other transactionShort term benefits - Commission6200000NA62000000-5600000Bajaj Housing Finance Limited******Jasmine Arish Chaney******DirectorAny other transactionShort term benefits - Sitting Fees1100000NA110000000Bajaj Housing Finance Limited******Jasmine Arish Chaney******DirectorAny other transactionShort term benefits - Commission5200000NA52000000-4700000Bajaj Housing Finance Limited******S M Narasimha Swamy******Director w.e.f 1 August 2024Any other transactionShort term benefits - Sitting Fees800000NA80000000Bajaj Housing Finance Limited******S M Narasimha Swamy******Director w.e.f 1 August 2024Any other transactionShort term benefits - Commission2200000NA22000000-2000000Bajaj Housing Finance Limited******Gaurav Kalani******Chief Financial OfficerAny other transactionShort term employee benefits24400000NA24400000-2300000-11600000Bajaj Housing Finance Limited******Gaurav Kalani******Chief Financial OfficerAny other transactionShare based Payment4300000NA430000000Bajaj Housing Finance Limited******Atul Patni******Company SecretaryAny other transactionShort term employee benefits2700000NA2700000-900000-1300000Bajaj Housing Finance Limited******Atul Patni******Company SecretaryAny other transactionShare based Payment600000NA60000000Bajaj Housing Finance Limited******Bajaj Auto Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionSecurity deposit paid for leased premises0NA0300000300000Bajaj Housing Finance Limited******Bajaj Auto Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionRent expense1000000NA30000000Bajaj Housing Finance Limited******Bajaj Auto Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionBusiness Support Charges Paid30000000NA1150000000Bajaj Housing Finance Limited******Bajaj Holdings and Investment Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionBusiness Support Charges Paid30000000NA860000000Bajaj Housing Finance Limited******Maharashtra Scooters Limited******Entities in which KMP and their relatives have significant influenceAny other transactionSecured non-convertible debentures issued0NA0-500000000-500000000Bajaj Housing Finance Limited******Hind Musafir Agency Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionServices received80000000NA1950000000Bajaj Housing Finance Limited******Bajaj Allianz Staffing Solutions Ltd.******Entities in which KMP and their relatives have significant influenceAny other transactionOutsourcing manpower supply services1100000000NA58790000000Bajaj Housing Finance Limited******Ramandeep Singh Sahni (Chief Financial Officer of Ultimate Holding Company w.e.f. 1 February 2025)******Entities in which KMP and their relatives have significant influenceLoan0NA0032700000Bajaj Housing Finance Limited******Ramandeep Singh Sahni (Chief Financial Officer of Ultimate Holding Company w.e.f. 1 February 2025)******Entities in which KMP and their relatives have significant influenceAny other transactionLoan repayment received5200000NA520000000Bajaj Housing Finance Limited******Ramandeep Singh Sahni (Chief Financial Officer of Ultimate Holding Company w.e.f. 1 February 2025)******Entities in which KMP and their relatives have significant influenceInterest received500000NA5000000034193200000AuditedtrueSinghi & Co.true2025-08-31Mukund M. Chitale & Co.true2027-04-30