Bajaj Housing Finance LimitedQ2 FY27 Results & Financial Update
Bajaj Housing Finance Limited: Q2 FY27 standalone results and company financials – revenue ₹3,250.57 Cr, PAT ₹756.97 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore Bajaj Housing Finance Q2 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Bajaj Housing Finance reported standalone revenue from operations of INR 3,250.57 crore for the quarter ended September 30, 2026, marking a 6.12% increase compared to INR 3,063.02 crore in the preceding quarter.
Total income for Q2 FY27 stood at INR 3,251.09 crore, up sequentially from INR 3,063.05 crore in Q1 FY27.
Profit before tax (PBT) reached INR 979.73 crore during the quarter, representing a 5.49% sequential rise over the INR 928.74 crore reported in the June 2026 quarter.
Profit after tax (PAT) for the quarter expanded to INR 756.97 crore, compared to INR 715.28 crore in the previous quarter, translating to a quarter-on-quarter growth of 5.83%.
Basic earnings per share (EPS) for the standalone entity rose to INR 0.91 for the quarter, compared with INR 0.86 in the preceding period.
Finance costs increased sequentially to INR 1,996.65 crore from INR 1,888.49 crore, reflecting higher borrowing requirements to service growing lending volumes.
Provisions charged for the quarter stood at INR 83.93 crore, while tax expenses amounted to INR 222.76 crore.
01 · Business model
What does Bajaj Housing Finance do?
Bajaj Housing Finance Limited operates as a specialized housing finance institution, offering a comprehensive suite of mortgage-backed lending products across India.
The core revenue model centres on interest income generated from retail home loans, loan against property, developer financing, and lease rental discounting.
Funding operations rely heavily on wholesale debt markets, institutional borrowings, and bank credit facilities to support asset creation and loan book expansion.
The company's performance is closely tied to prevailing interest rate cycles, residential real estate demand, and effective management of funding and credit costs.
02 · Financial snapshot
Current quarter vs the available comparable
| Metric | Q2 FY27 | Previous quarter |
|---|---|---|
| Total income | ₹3,251.09 Cr | ₹3,063.05 Cr |
| Interest income | ₹3,051.74 Cr | ₹2,856.07 Cr |
| Other income | ₹0.52 Cr | ₹0.03 Cr |
| Provisions | ₹83.93 Cr | — |
| Profit before tax | ₹979.73 Cr | ₹928.74 Cr |
| Profit after tax | ₹756.97 Cr | ₹715.28 Cr |
| EPS | ₹0.91 | ₹0.86 |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Interest income rose sequentially to INR 3,051.74 crore in Q2 FY27 from INR 2,856.07 crore in Q1 FY27, serving as the primary driver of top-line growth.
Other income contributed a modest INR 0.52 crore for the quarter, compared to INR 0.03 crore in the preceding quarter.
NIM, spread, funding cost and credit cost
Finance expenses moved higher to INR 1,996.65 crore from INR 1,888.49 crore in Q1 FY27, reflecting the cost of capital associated with expanding liabilities.
Tax expense increased to INR 222.76 crore from INR 213.46 crore in the previous quarter, in line with higher pre-tax earnings.
04 · Reported developments
What changed operationally
PAT increased by 5.83% quarter-on-quarter to reach INR 756.97 crore alongside a 6.12% rise in operational revenue.
05 · Items worth noticing
The line items that can distort a quick read
The company recorded provisions of INR 83.93 crore during the quarter.
06 · Beyond the numbers
What changed beyond the numbers
Reported update
Financial Results Filing
The standalone financial results for Q2 FY27 were formally filed with stock exchanges on October 16, 2026.
07 · Previous-quarter changes
What changed since the previous quarter
Revenue from operations improved from INR 3,063.02 crore in Q1 FY27 to INR 3,250.57 crore in Q2 FY27.
08 · Key Q&A
The quarter, answered directly
What does Bajaj Housing Finance do?
Bajaj Housing Finance Limited operates as a specialized housing finance institution, offering a comprehensive suite of mortgage-backed lending products across India.
What is the clearest takeaway from Q2 FY27?
Bajaj Housing Finance reported standalone revenue from operations of INR 3,250.57 crore for the quarter ended September 30, 2026, marking a 6.12% increase compared to INR 3,063.02 crore in the preceding quarter.
What drove earnings or loan-book movement?
Interest income rose sequentially to INR 3,051.74 crore in Q2 FY27 from INR 2,856.07 crore in Q1 FY27, serving as the primary driver of top-line growth.
What mattered most for margins, funding or credit cost?
Finance expenses moved higher to INR 1,996.65 crore from INR 1,888.49 crore in Q1 FY27, reflecting the cost of capital associated with expanding liabilities.
What changed operationally beyond the headline numbers?
The standalone financial results for Q2 FY27 were formally filed with stock exchanges on October 16, 2026.
What should the next disclosure help confirm?
Monitor the upcoming financial disclosures for asset quality metrics, net interest margins, and disbursement trends.
09 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
Starting point
Build your own next-quarter scenario
Reported values are prefilled where a comparable basis is available. Otherwise, the field starts at 0. You can overwrite every field.
Example: enter 10 for 10% revenue growth. Enter -100 for a 1 percentage-point margin decline.
Scenario output
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Profit change vs base₹0 cr (0%)
Scenario margin0%
Growth needed to keep profit flat after this margin move0%
The calculator holds the selected margin basis constant except for the basis-point adjustment you enter. It does not estimate tax, finance cost, dilution, working capital, valuation or share price.
10 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Subsequent Quarter Earnings: Monitor the upcoming financial disclosures for asset quality metrics, net interest margins, and disbursement trends.
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