Bajaj Housing Finance shares jumped 3% in morning trade on Thursday following the release of robust Q4 FY25 financial results. The company reported a 54% year-on-year rise in consolidated profit after tax to ₹587 crore, up from ₹381 crore in Q4 FY24.
The lender’s assets under management (AUM) saw a strong 26% growth, reaching ₹1,14,684 crore. Net interest income increased 31% to ₹823 crore, while total income rose 34% YoY to ₹958 crore. Despite higher business volumes, the operating expenses to net total income ratio improved to 21.7%, signaling better operational efficiency.
Loan losses and provisions decreased to ₹30 crore from ₹35 crore in the year-ago quarter. Profit before tax surged 48% to ₹720 crore. Asset quality remained strong, with gross and net NPAs stable at 0.29% and 0.11%, respectively.
For the full fiscal year (FY25), Bajaj Housing Finance reported a 25% increase in profit after tax to ₹2,163 crore and a 28% rise in profit before tax to ₹2,770 crore. Net interest income grew 20% to ₹3,007 crore, while total income stood at ₹3,597 crore, up 23% YoY.
The company’s capital adequacy ratio was healthy at 28.24% as of March 31, 2025. It maintained a strong credit rating of AAA/Stable from CRISIL and India Ratings for long-term debt and A1+ for short-term borrowings.
Bajaj Housing Finance shares opened at ₹135.00, reaching a high of ₹136.96 and a low of ₹134.63 in today’s trading. The stock remains volatile within its 52-week range, having peaked at ₹188.50 and dipped to ₹103.10.
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