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Bajaj Housing Finance Limited

Main Board

Equity

2025-04-01

2026-03-31

2026-02-02

INR

Crores

Quarterly

Third quarter

Single segment

HFC

2026-02-02

14:00:00

2026-02-02

15:40:00

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2025-10-01

2025-12-31

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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.

2025-04-01

2025-12-31

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