Bajaj Housing Finance reported a steady Q4 FY26 with AUM crossing ₹1,40,000 crore (up 23% YoY) and PAT of ₹669 crore (+14% YoY; +20% excluding one-time tax benefit).
Financial stats pending filing verification
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If money market rates remain high and the RBI does not hike policy rates, the company's ability to pass on higher funding costs to customers will be limited, compressing spreads.
high · management_commentaryAggressive pricing by banks, especially PSU banks, kept BT-out rates elevated in Q4 FY26, and if this persists, home loan growth and margins could be pressured.
medium · analyst_questionThe IHL ratio (regulatory definition of home loans as % of total assets) has been contracting and stood at 50.45%, close to the 50% minimum, requiring careful management to avoid regulatory breach.
medium · analyst_question