Bajaj Housing Finance Q1 Results 2025: PAT Surges 21% YoY to ₹583 Crore, Revenue Rises 18%

Bajaj Housing Finance disclose on Wednesday that for Q1 FY25, the company reported a 21% year-on-year (YoY) increase in Net Income, reaching ₹583 crore. Meanwhile, revenue grew by a healthy 18% compared to the same quarter last year.

Let’s dive into what these numbers mean and why Bajaj Housing Finance continues to stand out in the competitive housing finance sector.

Strong Growth in Profit and Revenue

The 21% jump in PAT highlights the company’s improving profitability and operational efficiency. This growth shows that Bajaj Housing Finance is not just expanding its loan book but is also managing costs effectively.

At the same time, the 18% increase in revenue indicates a solid uptick in business activity. More home loans and loan against property (LAP) disbursed have helped boost top-line growth.

Key Highlights from Q1 FY25

Metric                                  Q1 FY24                Q1 FY25             Growth

Profit After Tax (PAT)          Rs 481 Cr              Rs 583 Cr                 21%

  

Revenue                               Rs 1200 Cr            Rs 1416 Cr               18%

     

What’s Behind the Growth?

Several factors contributed to these impressive results:

Higher Loan Disbursals: Bajaj Housing Finance has aggressively grown its loan portfolio, focusing on affordable housing and tier-2 and tier-3 cities where demand is rising.

Better Asset Quality: The company reported a slight improvement in its Gross Non-Performing Assets (NPA), falling from 1.2% to 1.1%. This signals healthier credit risk management.

Cost Efficiency: Operating expenses were well-controlled, which helped boost net profitability.

What This Means for Investors

For investors, these numbers are encouraging. Bajaj Housing Finance is showing steady growth with a strong focus on quality assets and profitability. The improving asset quality alongside expanding revenue means the company is managing risks well even as it grows.

Conclusion

While the overall housing finance sector faces challenges like fluctuating interest rates and regulatory changes, Bajaj Housing Finance’s latest numbers reflect resilience and steady growth. Their focus on affordable housing and disciplined risk management seems to be paying off.