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Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals; real estate investment trusts REITs, and sovereign wealth funds and corporations. Bajaj Housing Finance Limited was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is headquartered in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
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| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Income before tax | 27702.30M | 21613.20M | 17000.60M | 9598.60M | 6131.80M |
| Net income | 21629.00M | 17312.20M | 12578.00M | 7096.20M | 4531.90M |
| Selling general administrative | 196.10M | 165.60M | 145.40M | 112.90M | 9.60M |
| Selling and marketing expenses | 37.50M | 36.50M | 97.80M | 51.60M | 59.10M |
| Gross profit | 89531.30M | 22113.90M | 18687.70M | 12159.50M | 26532.00M |
| Ebit | 26857.00M | 21642.20M | 17028.30M | 9623.20M | 25794.90M |
| Ebitda | 27268.50M | 22038.20M | 17362.30M | 9880.80M | 25890.00M |
| Depreciation and amortization | 411.50M | 396.00M | 334.00M | 257.60M | 95.10M |
| Operating income | 88580.60M | 19617.20M | 16468.80M | 10668.60M | 26463.30M |
| Other operating expenses | 5843.80M | 53677.40M | 38345.80M | 26206.50M | 5083.00M |
| Interest expense | 36.70M | 29.00M | 27.70M | 24.60M | - |
| Income tax expense | 6073.30M | 4301.00M | 4422.60M | 2502.40M | 1599.90M |
| Total revenue | 95281.60M | 73294.60M | 54814.60M | 36875.10M | 31546.30M |
| Total operating expenses | 93.50M | 2496.70M | 2218.90M | 1490.90M | 68.70M |
| Cost of revenue | 5750.30M | 51180.70M | 36126.90M | 24715.60M | 5014.30M |
| Total other income expense net | -60878.30M | 1996.00M | 531.80M | -1070.00M | -20331.50M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Total assets | 1028087.50M | 818270.90M | 646541.40M | 485270.80M | 378583.80M |
| Intangible assets | 407.50M | 362.30M | 283.80M | 205.70M | 145.70M |
| Other current assets | 755.30M | 224.30M | 96.30M | 124.40M | 334528.90M |
| Total liab | 828619.50M | 695935.90M | 541509.50M | 417857.20M | 318261.60M |
| Total stockholder equity | 199468.00M | 122335.00M | 105031.90M | 67413.60M | 60322.20M |
| Other current liab | -186083.20M | 3176.60M | 2705.70M | 1939.50M | 426.40M |
| Common stock | 83281.50M | 67121.60M | 67121.60M | 48833.30M | 48833.30M |
| Retained earnings | 54482.00M | 37193.30M | 23358.00M | 13254.10M | 9822.20M |
| Cash | 616.30M | 637.00M | 937.80M | 4069.00M | 4617.80M |
| Total current liabilities | 7079.80M | 167809.10M | 124246.80M | 127005.20M | 104913.90M |
| Net debt | 819726.80M | 690656.20M | 536516.10M | 410854.20M | 311707.80M |
| Short term debt | 192021.50M | 163797.10M | 120920.10M | 124501.00M | 104278.90M |
| Short long term debt total | 820343.10M | 691293.20M | 537453.90M | 414923.20M | 316325.60M |
| Other stockholder equity | 47440.70M | 8377.20M | 8377.20M | 1666.70M | 1666.70M |
| Total current assets | 996720.50M | 46021.40M | 43265.70M | 43947.70M | 377463.70M |
| Short term investments | 1.50M | 15007.90M | 149.90M | 1.40M | 7637.20M |
| Net receivables | 995347.40M | 30152.20M | 21480.50M | 26604.40M | 3106.60M |
| Accounts payable | 764.60M | 576.10M | 459.30M | 364.10M | 208.60M |
| Accumulated other comprehensive income | 14263.80M | 9642.90M | 6175.10M | 3659.50M | - |
| Non currrent assets other | 4181.50M | 778290.70M | 119.10M | 451457.10M | 331.20M |
| Non current assets total | 31367.00M | 772249.50M | 1252.10M | 441323.10M | 1120.10M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Total cashflows from investing activities | -7975.50M | 2733.10M | -6114.40M | 21973.20M | -7970.40M |
| Total cash from financing activities | 178701.90M | 151247.80M | 146300.60M | 102284.60M | 56758.70M |
| Net income | 27702.30M | 21613.20M | 17000.60M | 9598.60M | 4531.90M |
| Change in cash | -22.30M | -300.20M | -3131.50M | -547.50M | -1969.40M |
| Begin period cash flow | 638.60M | 938.80M | 4070.30M | 4617.80M | 6587.20M |
| End period cash flow | 616.30M | 638.60M | 938.80M | 4070.30M | 4617.80M |
| Total cash from operating activities | -170748.70M | -154281.10M | -143317.70M | -124805.30M | -50757.70M |
| Depreciation | 411.50M | 396.00M | 334.00M | 257.60M | 217.70M |
| Other cashflows from investing activities | -106.00M | 805.50M | 367.00M | 176.50M | -7904.40M |
| Change to account receivables | -200962.30M | -170587.20M | -155850.60M | -132529.20M | -19.70M |
| Other cashflows from financing activities | -641.40M | -138.50M | -138.30M | -105.40M | 14081.70M |
| Capital expenditures | 410.00M | 430.00M | 338.00M | 291.20M | 66.00M |
| Change in working capital | -194361.70M | -169637.00M | -155051.20M | -129379.50M | -59162.60M |
| Stock based compensation | 169.70M | - | - | - | 133.60M |
| Other non cash items | -4670.50M | -6653.30M | -5601.10M | -5282.00M | 3521.70M |
| Free cash flow | -171158.70M | -154711.10M | -143655.70M | -125096.50M | -50823.70M |
Sector: Financial Services Industry: Mortgage Finance
|
Stock Name
|
Change
(INR) |
Price
(INR) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL Bajaj Housing Finance |
1.81 2.22% |
83.23 | 33.88 | - | 21.82 | 3.77 | 17.45 | 54.76 |
| LICHSGFIN LIC Housing Finance Limited |
10.00 1.92% |
530.00 | 5.24 | 5.42 | 3.42 | 0.77 | 34.37 | - |
| PNBHOUSING PNB Housing Finance Limited |
20.00 1.85% |
1102.00 | 11.89 | 9.61 | 7.07 | 1.46 | 22.99 | - |
| AADHARHFC Aadhar Housing Finance Ltd |
6.80 1.58% |
438.00 | 21.74 | 19.84 | 10.31 | 3.12 | 12.01 | 15.16 |
| APTUS Aptus Value Housing Finance India Limited |
-26.28 12.74% |
180.00 | 16.62 | - | 10.15 | 3.11 | 15.27 | - |
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals; real estate investment trusts REITs, and sovereign wealth funds and corporations. Bajaj Housing Finance Limited was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is headquartered in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
Cerebrum IT Park, B2 Building, 5th Floor, Pune, India, 411014
91 20 7187 8060
1977
| Name | Title | Year Born |
|---|---|---|
| Mr. Atul Jain | MD & Non-Independent Executive Director | 1971 |
| Mr. Gaurav Kalani C.A. | Chief Financial Officer | NA |
| Mr. Atul Patni | Company Secretary & Compliance Officer | NA |
| Mr. Gagandeep Malhotra | Executive Vice President of Credit & Operations | NA |
| Ms. Sayantani Dutta | Chief of Human Resources & Administration | NA |
| Mr. Amit Kumar Yadav | Chief Compliance Officer | NA |
| Mr. Niraj Adiani C.A. | Executive VP of Risk & Chief Risk Officer | NA |
| Mr. Anurag Jain | Executive Vice President of Information Technology | NA |
| Mr. Vipin Arora C.A. | Senior Executive Vice President of CRE | NA |
| Mr. Naman Agarwal | Senior Head of Corporate Audit Services | NA |
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