5442522025-04-012025-06-305442522025-04-012025-06-30in-capmkt:OtherRevenueFromOperations1Member5442522025-04-012025-06-30in-capmkt:OtherRevenueFromOperations2Member5442522025-04-012025-06-30in-capmkt:OtherRevenueFromOperations3Member5442522025-04-012025-06-30in-capmkt:OtherRevenueFromOperations4Member5442522025-04-012025-06-30in-capmkt:OtherExpenses1Member5442522025-04-012025-06-30

ItemsThatWillNotBeReclassifiedToProfitAndLoss1

5442522025-04-012025-06-30

ItemsThatWillBeReclassifiedToProfitAndLoss1

iso4217:INRxbrli:pureiso4217:INRxbrli:shares

544252

BAJAJHFL

NOTLISTED

INE377Y01014

Bajaj Housing Finance Limited

Main Board

Equity

2025-04-01

2026-03-31

2025-07-23

2025-06-30

INR

Crores

Quarterly

First quarter

Single segment

HFC

2025-07-23

14:30:00

2025-07-23

15:35:00

Not applicable

false

2025-04-01

2025-06-30

Unaudited

Standalone

24925900000

586800000

380100000

64500000

199800000

26157100000

27400000

26184500000

1356200000

16059600000

110900000

32100000

410900000

645400000

18615100000

7569400000

1929800000

-193400000

1736400000

5833000000

45500000

5878500000

83284400000

0.7

0.0431

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.

Income on derecognised (assigned) loans

111300000

Bad Debt recoveries

28700000

Digital Advertisement Charges

58000000

Others

1800000

Others

645400000

Gratuity Acturial gains/Losses

-4800000

-1200000

Gain/Losses measured at FVOCI on investment

65600000

16500000

45500000