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Bajaj Housing Finance
Large Cap•1,977 Employees•IPO 2024
Current Price
₹83.74
0 (0%)Updated
Today's Range
81.9
₹83.74
84.2
52 Week Range
52W Low₹81.51
52W High₹136.96
₹83.74
Downside2.74%
Upside63.55%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹73,949.47 Cr
Market Cap
Total market value of companyP/E Ratio
29.86
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
4.33
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹2.97
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
5.98%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
9.55%
ROCE
Return on Capital Employed. >15% is goodNet Margin
23.25%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
18.93%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
28.89%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
18.40%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
20.90%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
4.12
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹23.95
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
88.70%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Promoter holding is exceptionally high at 88.70%, indicating strong management confidence.
- •Impressive quarterly profit growth of 20.90% reflects strong operational performance.
Weaknesses
5 points- •High P/E ratio of 39.63 suggests premium valuation, potentially limiting future upside.
- •Elevated debt-to-equity ratio of 4.12 indicates substantial reliance on borrowed capital.
Opportunities
4 points- •Well-positioned to capitalize on expanding housing loan demand from urbanization.
- •Diversifying product offerings like construction finance can unlock new revenue streams.
Threats
4 points- •Highly competitive housing finance sector could pressure margins and market share.
- •Rising interest rates may increase borrowing costs, impacting net interest margins.
Segment-wise Financial Analysis
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Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹89.26 | +₹5.52 | +6.59% |
| R3 | ₹86.96 | +₹3.22 | +3.85% |
| R2 | ₹85.58 | +₹1.84 | +2.20% |
| R1 | ₹84.66 | +₹0.92 | +1.10% |
| PIVOT | ₹83.28 | -0.46 | -0.55% |
| CURRENT | ₹83.74 | - | - |
| S1 | ₹77.76 | -₹5.98 | -7.14% |
| S2 | ₹80.06 | -₹3.68 | -4.39% |
| S3 | ₹80.98 | -₹2.76 | -3.30% |
| S4 | ₹82.36 | -₹1.38 | -1.65% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+1.7% vs avg
4.38M
(11 Mar 2026)Delivery %+5.6% vs avg
60.0%
(11 Mar 2026)Avg Volume (20D)20-day average
4.31M
(11 Feb - 11 Mar)Avg Delivery %Trend ↑
54.3%
(11 Feb - 11 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
LIC Housing Finance Ltd
28,531.77 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %
Peer Comparison
| Company Name |
|---|
 Aadhar Housing Finance Ltd |
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Can Fin Homes Ltd |
 GIC Housing Finance Ltd |
 Home First Finance Company India Ltd |
 IIFL Finance Ltd |
 India Shelter Finance Corporation Ltd |
 LIC Housing Finance Ltd |
 PNB Housing Finance Ltd |
 Sammaan Capital Ltd |
About
Bajaj Housing Finance Ltd
Bajaj Housing Finance Limited (BHFL) is a prominent player in the Indian housing finance sector, specializing in providing a diverse range of financial services related to real estate. Its core business centers around offering loans and financing options for both individual and corporate clients involved in property acquisition and development. This includes funding for purchasing, renovating, or constructing residential and commercial properties.
For individual customers, BHFL's offerings extend to home loans for purchasing or renovating residential spaces. Furthermore, they provide loans secured against existing properties, allowing individuals to leverage their assets for personal or business purposes. This flexibility caters to a broad spectrum of individual financial needs related to real estate.
On the corporate side, BHFL plays a significant role in supporting developers. They provide financing for the construction of both residential and commercial projects, injecting capital into the development pipeline and contributing to the growth of the Indian real estate market. This includes supporting large-scale projects as well as smaller-scale developments.
Beyond traditional home and construction loans, BHFL offers a unique service: lease rental discounting. This service is provided to developers and high-net-worth individuals, offering a streamlined financing solution for managing rental income streams from properties. This further diversifies their services and caters to specialized needs within the real estate financing space.
In summary, Bajaj Housing Finance Limited's business model encompasses a holistic approach to real estate financing, catering to both individual and corporate clients across various stages of property ownership and development. Their diverse product portfolio positions them as a key player in India's dynamic housing finance sector, contributing significantly to the growth of the real estate market through its various financing options.
COMPANY FACTS - BAJAJHFL
Registered Address
5th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar
Pune
MAHARASHTRA
IN
Tel: 912245297300
Website:https://www.bajajhousingfinance.in/about-us
Investor Relations:http://www.bajajhousingfinance.in/annual-reports
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 1,977
IPO Date: 16/09/2024
MANAGEMENT - BAJAJHFL
Mr. Sanjivnayan Bajaj
Non-Executive Chairman of the Board
Shri. Atul Jain
Chief Executive Officer, Managing Director, Executive Director
Mr. Rajeev Jain
Non-Executive Vice Chairman of the Board
Mr. Gaurav Kalani
Chief Financial Officer
Ms. Ajita Kakade
Chief Credit, Operating and Human Resource Officer
Mr. Anurag Jain
Chief Technology Officer, Chief Information Officer
Mr. Amit Yadav
Chief Compliance Officer
Mr. Niraj Adiani
Chief Risk Officer
Mr. Vijay Solanki
Treasurer
Mr. Vipin Arora
Group Business Head - Commercial Real Estate and Loan Against Property
Mr. Gaurav Pruthi
Chief Collections Officer
Mr. Amit Sinha
Group Business Head - Home Loans
Investor Questions Answered
Bajaj Housing Finance Ltd (BAJAJHFL) Stock FAQs
Get answers to the most common questions about Bajaj Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Bajaj Housing Finance Ltd (BAJAJHFL) is ₹83.74. Today, the stock has gained by ₹0.00 (0.00%), trading in a range of ₹81.9 to ₹84.2. The stock opened at ₹83.3 with a trading volume of 44,92,124 shares.
Bajaj Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹73,949.47 crores, P/E ratio of 29.86, ROE of 5.98%, and ROCE of 9.55%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Bajaj Housing Finance Ltd (BAJAJHFL) is ₹136.96, while the 52-week low is ₹81.51. Currently trading at ₹83.74, the stock is 4.0% away from its 52-week low and 38.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Bajaj Housing Finance Ltd stock at ₹83.74 depends on multiple factors. The stock is currently trading with a P/E ratio of 29.86 and P/B ratio of N/A. Today's performance shows a gain of 0.00%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Bajaj Housing Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹83.74, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Bajaj Housing Finance Ltd's key financial metrics include: P/E Ratio: 29.86, P/B Ratio: N/A, ROE: 5.98%, ROCE: 9.55%, Dividend Yield: 0.00%, EPS: ₹2.97, Book Value: ₹23.95, Debt-to-Equity: 4.12, and Current Ratio: N/A. The company's market cap stands at ₹73,949.47 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Bajaj Housing Finance Ltd stock opened at ₹83.3 and is currently trading at ₹83.74, showing a gain of ₹0.00 (0.00%). The intraday high is ₹84.2 and low is ₹81.9. The trading volume stands at 44,92,124 shares, indicating strong market participation today.
Bajaj Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 29.86, which means investors are willing to pay ₹29.86 for every ₹1 of earnings. With an EPS of ₹2.97, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Bajaj Housing Finance Ltd has a market capitalization of ₹73,949.47 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹83.74) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Bajaj Housing Finance Ltd has a book value of ₹23.95 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹83.74, which is 249.6% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Bajaj Housing Finance Ltd has a Return on Equity (ROE) of 5.98% and Return on Capital Employed (ROCE) of 9.55%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Bajaj Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Bajaj Housing Finance Ltd has a debt-to-equity ratio of 4.12, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Bajaj Housing Finance Ltd has an Earnings Per Share (EPS) of ₹2.97, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹83.74 and P/E ratio of 29.86, investors are paying 29.86 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Bajaj Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Bajaj Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Bajaj Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (29.86), ROE (5.98%), debt-to-equity (4.12), and growth rates. 2) Technical Analysis - Check 52-week range (₹81.51 - ₹136.96), moving averages, and chart patterns. 3) Valuation - Compare current price (₹83.74) with book value (₹23.95) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Bajaj Housing Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹83.74 is 737x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Bajaj Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹81.51 - ₹136.96). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 4.12 indicates leverage. 4) Liquidity Risk - Based on trading volume of 44,92,124 shares. 5) Valuation Risk - P/E of 29.86 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Bajaj Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 29.86, ROE of 5.98%, market cap of ₹73,949.47 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 4.12), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Bajaj Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹83.74, with a 52-week range of ₹81.51 to ₹136.96. Based on fundamentals like P/E (29.86), ROE (5.98%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Bajaj Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹83.74. 2) Fundamental Deterioration - Declining ROE (currently 5.98%), increasing debt (D/E: 4.12), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Bajaj Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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