Bajaj Housing Finance (BOM:544252) Moat Score: 0/10 (As of Aug. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:544252 Bajaj Housing Finance Ltd BOM:544252
7 GF Score
Price ₹86.55
! 3 Warning Signs
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What is Bajaj Housing Finance Moat Score?

Bajaj Housing Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Bajaj Housing Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bajaj Housing Finance might have No Moat - No discernible moat.

Bajaj Housing Finance  (BOM:544252) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bajaj Housing Finance Moat Score Related Terms

BOM:544252
7GF Score
Bajaj Housing Finance Ltd BOM:544252
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Bajaj Housing Finance Business Description

Other Exchanges BAJAJHFL:India
Address Kalyani Nagar, 5th Floor, B2 Building, Cerebrum IT Park, Kumar City, Pune, MH, IND, 411014
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
7GF Score

Get the complete analysis for BOM:544252

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹86.55
Price