Bajaj Housing Finance Ltd (NSE:BAJAJHFL)

Q1 2027 Bajaj Housing Finance Ltd Earnings Call Transcript

Jul 29, 2026 / 01:00 PM GMT

Release Date Price: ₹87.63 (+2.30%)

Transcript

Key Points

Positve

Bajaj Housing Finance Ltd (NSE:BAJAJHFL) reported a strong quarter with the highest ever quarterly AEM growth and disbursement, with disbursements growing by 33% and AEM up by 24%.
The company achieved a PAT growth of 23% year-over-year, with an annualized ROE improving to 12.5%.
Asset quality remained resilient with a low annualized credit cost of 5 bps, GNPA at 29 bps, and NNPA at 12 bps.
The company maintained a strong capital adequacy ratio of 21.59%, well above regulatory requirements.
Bajaj Housing Finance Ltd (NSE:BAJAJHFL) continues to leverage technology and AI initiatives to enhance customer experience and internal efficiencies, including AI-driven customer service and underwriting processes.

Negative

Net Interest Margin (NIM) dropped by 14 bps from 3.8% to 3.7% due to net income moderation.
There is an expected NIM moderation by 20-25 bps during FY27 due to yield compression and stable interest rate regime.
The company faces challenges from geopolitical factors and macroeconomic uncertainties affecting borrowing costs.
There was a movement of one account from Stage 2 to Stage 3 in developer finance, indicating some asset quality concerns.
The LAP GNPA increased from 46 bps to 62 bps due to the movement of one weak account, highlighting potential stress in this segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BAJO.NS - Bajaj Housing Finance Ltd
Q1 2027 Bajaj Housing Finance Ltd Earnings Call
Jul 29, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Bajaj Housing Finance Limited Q1 FY27 Earnings Conference Call hosted by ICICI Securities Limited.

As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call, please signal an operator by pressing then 0 on your touchstone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Ramesh Bua from ICICI Securities.

Thank you and over to you Mr. Bua.

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