Bajaj Housing Finance Profit Rises as Asset Quality Holds
after close1 source ↓machine-written, see hownot a recommendation
- BAJFINANCE close
- ₹965.25
- On the day
- +0.86%
- Futures OI, long build-up
- +4.1%
- Put-call ratio
- 0.83
- Max pain
- ₹980.00
Bajaj Housing Finance reported its September-quarter results after market hours on 16 Oct 2026, with net profit rising 17.7% year on year to ₹757 crore from ₹643 crore. Net Interest Income increased 10.3% to ₹1,055 crore from ₹956.5 crore in the year-ago quarter. The results followed 25% growth in disbursements and AUM, keeping the focus on whether loan growth is translating into sustainable earnings. 🏦
Asset quality remained stable sequentially, with gross NPA unchanged at 0.29% and net NPA at 0.12%, both at the same levels as in the June quarter. The stable ratios are important for the housing-finance sector because faster disbursement growth can pressure underwriting standards and credit costs if portfolio quality weakens. For now, the reported NPA figures show no quarter-on-quarter deterioration alongside the higher business volumes.
The next market focus is management guidance on growth, funding costs, margins, credit costs and asset quality. Investors will also assess whether the 25% increase in disbursements and AUM can continue without weakening underwriting metrics. Any change in gross or net NPA, provisioning trends or the pace of loan growth in the next reporting period will help determine whether the earnings improvement is operating-led or supported by favourable credit conditions. 💼
The result adds to the broader debate around housing-credit demand and competition among banks, housing-finance companies and non-bank lenders. Higher core income provides support for operating momentum, while the unchanged NPA ratios offer near-term comfort on portfolio performance. However, the excerpt does not provide figures for loan losses, provisions, margins or the company’s forward guidance, so those details remain key gaps for the full earnings assessment.
OI Charts data supplied for the period relates to a different Bajaj group finance company and has not been applied to Bajaj Housing Finance. No company-specific option-chain or futures positioning figures were provided for the housing-finance entity.
Source: CNBC TV18, 16 Oct 2026
Not investment advice. For informational purposes only.