Bajaj Housing Finance Profit after tax increased in FY25 by 25%

Bajaj Housing Finance   Profit after tax increased in FY25 by 25%




  • Performance Highlights - FY25
  • Assets under management grew by 26% tot 1, 14,684 crore as of 31 March 2025 from t 91 ,370 crore as of 31 March 2024.   
  • Net interest income increased by 20% in FY25 to t 3,007 crore from t 2,510 crore in FY24.
  • Net total income increased by 23% in FY25 to t 3,597 crore from t 2,925 crore in FY24.
  • Operating Expenses to Net Total Income for FY 25 was 20.8% as against 24% in FY24
  • Loan losses and provisions in FY25 was t 80 crore as against t 61 crore in FY24
  • Profit before tax increased by 28% in FY25 tot 2,770 crore from t 2,161 crore in FY24
  • Profit after tax increased in FY25 by 25% to~ 2,163 crore from~ 1,731 crore in FY24
  • Capital adequacy ratio (including Tier II capital) as of 31 March 2025 was 28.24%
  •    Gross NPA and Net NPA as of 31 March 2025 stood at 0.29% and 0.11 % respectively, as against 0.27% and 0.10% as of 31 March 2024. Provisioning coverage ratio on stage 3 assets at 60%.  
  • The Company enjoys the highest credit rating of AAA/Stable for its long-term debt programme from CRISIL and India Ratings and A1+ for short-term debt programme from CRISIL and India Ratings.  



Bajaj Housing Finance : PAT for Q2 FY25 increased by 21%

  • Performance Highlights for Q2 FY25
  • BHFL enjoys the highest credit rating of AAA/Stable for its long -term debt programme from CR ISI L and India Ratings and A1+ for short-term debt programme from CR ISIL and India Ratings. 
  • Annualized return on average equity for 02 FY25 was 13.0% as against 16.1% in 02 FY24. 
  • Annualized return on average assets for 02 FY25 was 2.5% as against 2.6% in 02 FY24. 
  • Gross NPA and Net NPA as of 30 September 2024 stood at 0.29% and 0.12% respectively, as against 0.24% and 0.09% as of 30 September 2023. Provisioning coverage ratio on stage 3 assets at 58% . 
  • Assets under management grew by 26% to ~ 1.02,569 crore as of 30 September 2024 from 81,215 crore as of 30 September 2023.  
  • Profit after tax for Q2 FY25 increased by 21% to , 546 crore from , 451 crore in Q2 FY24.

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