Bajaj Housing Finance Share Price Target: Are you considering investing in Bajaj Housing finance Shares? Want to know its future Price target? This guide will discuss the Bajaj Housing Finance share price target for The Years 2025, 2026 and 2030. Along with this, we will do a complete Fundamental analysis to help you make the right decision.
About Bajaj Housing Finance Ltd
Bajaj Housing Finance Limited (BHFL) is making waves in the Indian housing finance sector. With rapid growth and solid financials, it’s a company worth paying attention to. Whether you’re a homebuyer, an investor, or just someone curious about the market, let’s dive into what makes BHFL stand Out
What’s Driving BHFL’s Growth?
- Expanding Footprint – BHFL is increasing its presence from 174 cities to 250+ locations across India.
- Diverse Loan Options – From home loans to loans against property (LAP), lease rental discounting (LRD), and developer finance, they cover all mortgage needs.
- Solid Financial Performance – With ₹91,370 Cr in assets under management (AUM) and a 34% increase in revenue, BHFL is on a strong growth trajectory.
- Low Risk, High Returns – Their Gross NPA ratio is just 0.27%, one of the lowest in the industry.
Home Loans
BHFL offers home loans for both ready-to-move-in and under-construction properties to salaried, self-employed, and professional customers. Operating across 174 locations, the average loan value is ₹4.6 million. Loans are sourced directly through builder ecosystems and intermediary channels with a quick turnaround time. The home loan business AUM grew by 24% to ₹52,819 crore as of 31 March 2024.
Loan Against Property (LAP)
BHFL provides loans against property to SMEs, MSMEs, self-employed individuals, and salaried professionals against residential and commercial properties. Operating across 74 locations, the average loan value is ₹5.8 million. The LAP business AUM reached ₹9,568 crore, growing by 22% compared to FY2023.
Lease Rental Discounting (LRD)
Serving HNI clients, corporates, and developers, BHFL offers lease rental discounting loans ranging from ₹10 crore to ₹550 crore. These loans are backed by rental cash flows from commercial properties and are secured through an ESCROW mechanism. Operating in 14 locations, the LRD business saw a 57% YoY growth, with AUM reaching ₹17,637 crore as of 31 March 2024.
Developer Loans
BHFL provides Construction finance to developers with a strong track record. Loans are linked to project completion stages to minimize execution risk. With operations in 13 locations, the average loan value stands at ₹45 crore. Additionally, inventory finance is provided against unsold developer inventory. The AUM for developer finance reached ₹9,599 crore, reflecting a 69% growth over FY2023.
Partnerships and Services
BHFL has partnered with financial service providers to offer life insurance, general insurance, health insurance, and online primary healthcare assistance services. The company received a Corporate Agency license from IRDAI, enabling it to expand its insurance offerings while increasing fee-based income.
How BHFL Plans to Keep Growing
1. Expanding Retail & Commercial Lending
- Strengthening customer acquisition via developer networks and intermediaries.
- Growing presence in warehousing finance and lease rental discounting.
- Ensuring low-risk, high-return lending to real estate developers.
2. Strengthening Borrowing & Capital Base
- Diversifying funding sources: 51% bank loans, 35% NCDs, and 10% NHB refinance.
- Recently raised ₹2,000 Cr through a rights issue to fuel future expansion.
3. Improving Portfolio Quality & Risk Management
- Maintaining one of the lowest Gross NPA ratios (0.27%) in the industry.
- Ensuring high-quality lending through stringent risk monitoring and underwriting.
- Capital adequacy ratio of 21.28%, well above the 15% regulatory norm.
Why Should You Care?
If you’re looking for a home loan or insights into India’s booming housing market, BHFL is a company to watch. Here’s why:
- Strong Growth – A 32% increase in AUM YoY shows their potential.
- Low Risk, High Stability – With an NPA of just 0.27%, their risk management is top-notch.
- Expanding Reach – More locations mean better accessibility for customers.
Final Thoughts
BHFL is set to become a major player in India’s housing finance space. Whether you’re thinking of applying for a loan or keeping an eye on their growth, it’s a name worth following.
What’s Your Take?
Would you consider a home loan from BHFL? Drop your thoughts in the comments
BHFL Fundamentals
| Fundamentals | BHFL |
|---|---|
| Market Cap | ₹96,898 Cr |
| 52 Week High | 188.50 |
| 52 Week Low | 103.10 |
| NSE Symbol | BAJAJHFL |
| ROE | 9.83% |
| P/E Ratio | 49.51 |
| EPS | 2.35 |
| P/B Ratio | 5.16 |
| Dividend Yield | 0.00% |
| Industry P/E | 23.67 |
| Book Value | 22.56 |
| Debt to Equity | 3.96 |
| Stock Face Value | 10 |
BHFL Shareholding Pattern
| Promoters | 88.75% |
|---|---|
| Retail & Others | 9.32% |
| DII | 0.35% |
| FII | 1.11% |
| Mutual Funds | 0.47% |
The BHFL Financial Reports
| Sector | Year (2024) |
|---|---|
| Revenue | 2,449 Cr. |
| Expense | 1,736 Cr. |
| Profit Before Tax | 713.02 Cr. |
| Net Profit | 548.02 Cr. |
BHFL Share Price Target Tomorrow
Adani Green Energy Share Price target 2025, 2026, 2030
BHFL Share Price Target 2025
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of BHFL shares in 2025 can be ₹110, and the maximum price can be ₹210.
| Month Wise (Year 2025) | Target Price |
|---|---|
| January | ₹110 |
| February | ₹115 |
| March | ₹121 |
| April | ₹128 |
| May | ₹140 |
| June | ₹150 |
| July | ₹162 |
| August | ₹175 |
| September | ₹182 |
| October | ₹190 |
| November | ₹198 |
| December | ₹210 |
RattanIndia Power Share Price Target 2025 to 2030
BHFL Share Price Target 2026
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of BHFL shares in 2026 can be ₹170, and the maximum price can be ₹300.
| Month Wise (Year 2026) | Target Price |
|---|---|
| January | ₹170 |
| December | ₹300 |
Inox India (INOXINDIA) Forecast & Share Price 2025
BHFL Share Price Target 2027
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of BHFL shares in 2027 can be ₹240, and the maximum price can be ₹415.
| Month Wise (Year 2027) | Target Price |
|---|---|
| January | ₹240 |
| December | ₹415 |
BHEL Price Share – BHEL Share Price Target Tomorrow From 2025 To 2030
BHFL Share Price Target 2028
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of BHFL shares in 2028 can be ₹350, and the maximum price can be ₹600.
| Month Wise (Year 2028) | Target Price |
|---|---|
| January | ₹350 |
| December | ₹600 |
Tata Motors Price Share – Tata Motors Share Price Target Tomorrow From 2025 To 2030
BHFL Share Price Target 2029
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of BHFL shares in 2029 can be ₹400, and the maximum price can be ₹750.
| Month Wise (Year 2029) | Target Price |
|---|---|
| January | ₹400 |
| December | ₹750 |
Vodafone Idea Share Price Target 2025 to 2030
BHFL Share Price Target 2030
The share price of BHFL may go up & Down. According to our analysis levels, the minimum price of SJVN shares in 2030 can be ₹550, and the maximum price can be ₹1,000.
| Month Wise (Year 2030) | Target Price |
|---|---|
| January | ₹550 |
| December | ₹1,000 |
Zomato Share Price Target 2025 to 2030
Frequently Asked Questions on BHFL Share Price Target
Question 1: What is the share price target of BHFL for 2025?
Answer 1: The estimated share price target of BHFL for 2025 can range from ₹110 to ₹210.
Question 2: What is the share price target of BHFL for 2030?
Answer 2: The estimated share price target of BHFL for 2030 can range from ₹550 to ₹1,000.
Question 3: What are the primary growth drivers for the BHFL stock?
Answer 3: The most prominent growth drivers include a diversified portfolio, strategic market expansion, technological innovations, and strong brand loyalty.
Question 4: Is BHFL a good long-term investment?
Answer 4: Yes, BHFL has strong long-term potential due to its diversification and sustainability focus. Investors should watch the company’s Q3 results for market insights.
Disclaimer: The above article is for informational purposes only and should not be construed as investment advice.
4 thoughts on “BHFL Share Price Target Forecast 2025 to 2030 – Expert Analysis”