Bajaj Housing Finance Limited — Q3 FY25
Bajaj Housing Finance reported a strong Q3 FY25 with AUM growth of 26% YoY to INR 108,314 crore and PAT growth of 25% YoY to INR 548 crore.
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q2 FY25
Retail disbursements to pick up with affordable/near-prime segment
Management expects retail disbursement growth to accelerate as the affordable and near-prime verticals start delivering, offsetting the current 7% YoY growth in retail disbursements.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Credit cost to remain in 14-17 bps range
Normalized credit cost (excluding overlay releases) is expected to stay in the 14-17 bps band, as overlay is nearly exhausted (only ₹10 crore remaining).
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Developer finance mix not to exceed 15%
Management stated internal view is to keep construction finance mix below ~15% of AUM, currently at 11.7%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1