Bajaj Housing Finance Limited posted strong financial results for the quarter ended March 31, 2025, with consolidated profit after tax rising by 54% year-on-year to Rs 587 crore, compared to Rs 381 crore in Q4 FY24. The company’s assets under management also witnessed a 26% growth, reaching Rs 1,14,684 crore.
Key highlights for Q4 FY25
The company’s net interest income increased 31% to Rs 823 crore from Rs 629 crore last year. Total income for the quarter rose 34% YoY to Rs 958 crore. Despite higher growth, operating expenses to net total income ratio dropped to 21.7%, showing improved cost efficiency.
Loan losses and provisions stood at Rs 30 crore, down from Rs 35 crore in Q4 FY24. Profit before tax surged 48% to Rs 720 crore. Gross and net NPAs were stable at 0.29% and 0.11%, respectively, indicating strong asset quality.
Full-year performance (FY25)
For the full fiscal year, profit after tax rose 25% to Rs 2,163 crore, while profit before tax rose 28% to Rs 2,770 crore. Net interest income grew 20% to Rs 3,007 crore, and total income increased 23% to Rs 3,597 crore.
The company’s capital adequacy ratio stood at 28.24% as of March 31, 2025. Bajaj Housing Finance maintained its strong credit profile with AAA/Stable rating from CRISIL and India Ratings for long-term debt and A1+ for short-term borrowings.
FAQs
What was Bajaj Housing Finance’s net profit for Q4 FY25?
Rs 587 crore, up 54% from Rs 381 crore in Q4 FY24.
How much did the assets under management grow?
AUM increased by 26% YoY to Rs 1,14,684 crore.
What are the gross and net NPA levels?
Gross NPA stood at 0.29% and net NPA at 0.11% as of March 31, 2025.
Has the company maintained its credit ratings?
Yes, it holds AAA/Stable long-term ratings and A1+ short-term ratings.
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