Bajaj Housing Finance Q1FY27: AUM up 24% YoY

Stock in focus after latest business update

Bajaj Housing Finance Ltd. was in focus after the company’s business update showed continued growth in assets under management (AUM) and disbursements. As of June 30, 2026, the company reported that its AUM grew 24% year-on-year. The same update also said gross disbursement reached Rs 195 billion in Q1 FY27, indicating steady loan origination activity.

On the market side, the stock traded slightly higher on July 2, 2026. Data points shared alongside the update showed the stock around the ₹88.6-₹88.65 level, up roughly 0.8% to 0.9% from the previous close.

Key operating numbers: AUM and disbursements

The most recent operating highlight was the AUM growth of 24% YoY as on June 30, 2026. While the update did not provide the absolute AUM figure for that date in the provided details, the growth rate signals that the book continued to expand at a strong pace.

The update also stated that gross disbursement reached Rs 195 billion in Q1 FY27. Normalised to a single base unit, that equals ₹19,500 crore in Q1 FY27. Disbursement trends matter closely for housing finance companies because they indicate demand, distribution strength, and the pace at which incremental AUM can build.

Where the share price stood on July 2, 2026

The stock was reported at multiple timestamps on July 2, 2026. One data point showed ₹88.65, up ₹0.81 (+0.92%) and marked “as on July 2, 2026 at 9:32 pm IST”. Another snapshot stated the stock was trading at ₹88.61 at 10:25:08 on the same date, about 0.84% above the previous close of ₹87.87.

The same market summary also noted the stock’s trading range of ₹89.04 and ₹87.91 for the session. It added that the stock was down -6.88% for the year to date and up 0.24% over the last five days, based on the figures provided.

Recent profitability: Q4 FY26 net profit and YoY growth

Alongside the operating update, the provided figures also included profitability data. Bajaj Housing Finance Ltd.’s net profit was stated at ₹669.19 crore for Q4 2025-2026, reflecting a 14.06% increase versus the same period last year. On a sequential basis, net profit was also stated as up 0.65% versus the previous quarter.

Another financial snapshot showed Revenue (Mar ’26): ₹2,903 crore, with a +0.65% change noted in the same block of data. These numbers, viewed together, point to a quarter where earnings growth outpaced the headline revenue change shown for the period referenced.

Q1FY26 reference: income and profit growth

The provided material also included an older but detailed performance reference for Q1 FY26. It said AUM grew 24% to ₹1,20,420 crore, net interest income increased 33% to ₹887 crore, and net total income rose 25% to ₹1,012 crore. The same block stated profit before tax increased 20% to ₹757 crore, while profit after tax increased 21% to ₹583 crore.

Separately, another headline summary referenced “Bajaj Housing Finance Q1 Results” and stated: PAT surges 21% YoY to ₹583 crore, revenue up 18% (dated 23 Jul 2025, “2 min read”).

Liquidity and supply: lock-in expiry headline

One of the referenced headlines pointed to a potential supply-related event: “Bajaj Housing Finance stock jumps 4% as one-year lock-in expires, 500 crore shares freed up for trade”. It added that over 500 crore shares, or around 64% of total equity, would be freed up for trading, while noting that unlocking does not automatically imply selling.

This type of event can influence near-term price discovery because it changes the amount of stock that can potentially come to market, even if actual selling pressure depends on investor behaviour.

Ratings and macro trigger: S&P upgrade mention

Another referenced market note (dated Aug 18, 2025) linked stock moves in Bajaj Finance and Bajaj Housing Finance to hopes of GST reform and a sovereign credit rating upgrade. It stated that S&P Global Ratings upgraded India from BBB-/Positive/A-3 to BBB/Stable/A-2, and that such a change was expected to ease offshore borrowing costs for Indian financial firms.

While that note primarily explained the broader market trigger, it also placed Bajaj Housing Finance’s operating and earnings metrics in context through the Q1FY26 numbers cited.

Company contact and registered office

The provided details also included registered office information and investor contact information.

Key figures at a glance

Analysis: what the numbers signal

The combination of 24% YoY AUM growth (as of June 30, 2026) and ₹19,500 crore disbursements in Q1 FY27 highlights a continuing expansion phase for the lender. For investors tracking housing finance companies, these two indicators are key because they reflect both the pace of balance sheet growth and the underlying origination pipeline.

On the earnings side, the Q4 FY26 net profit figure of ₹669.19 crore and the stated 14.06% YoY growth provide a recent snapshot of profitability. The older Q1FY26 reference offers additional context on income lines such as NII and net total income, giving a sense of how growth has been reflected in earnings metrics in prior periods.

Conclusion

Bajaj Housing Finance’s update showed 24% YoY AUM growth as of June 30, 2026 and ₹19,500 crore gross disbursements in Q1 FY27, while the stock traded near ₹88.6 on July 2, 2026. Investors will continue to track how disbursement momentum and AUM growth translate into profitability in subsequent quarterly results and business updates.