The company reported strong quarterly performance for Q3 FY26, with assets under management (AUM) rising 23% to Rs 1,33,412 crore as of 31 December 2025, up from Rs 1,08,314 crore a year ago.
Net interest income rose 19% YoY to Rs 963 crore in Q3 FY26 from Rs 806 crore in Q3 FY25, while net total income climbed 24% to Rs 1,153 crore from Rs 933 crore. The operating expense ratio improved to 19% from 19.8% in the year-ago quarter.
Loan losses and provisions rose to Rs 56 crore in Q3 FY26 from Rs 35 crore in Q3 FY25, including a Rs 10 crore management overlay release.
Asset quality remained healthy, with gross and net NPAs at 0.27% and 0.11% as of 31 December 2025, compared with 0.29% and 0.13% a year ago. The provisioning coverage ratio on stage-3 assets stood at 59%, while the capital adequacy ratio, including Tier-II capital, was 23.15%.
The company continues to enjoy the highest credit ratings of AAA/Stable for its long-term debt program and A1+ for short-term debt from CRISIL and India Ratings.
Bajaj Housing Finance is a non-deposit-taking housing finance company (HFC) registered with the National Housing Bank (NHB) since 2015 and has been offering mortgage loans.
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