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Total Issue Size
Fresh Issue + Offer For Sale
Fresh Issue (FI)
Proceeds go to the company
Offer For Sale (OFS)
Proceeds go to the existing investors
Augmenting the capital base for onward lending
The company intends to use the net proceeds of the fresh issue to strengthen its capital base to meet future business requirements arising from growth in its lending operations, with the remainder applied to general corporate purposes.
(₹ in Crore)
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Bajaj Housing Finance Limited is a non-deposit-taking housing finance company registered with the National Housing Bank since September 2015, and has been active in mortgage lending since fiscal 2018. The company is a wholly owned subsidiary of Bajaj Finance Limited and, through it, part of the wider Bajaj Group. Its product suite spans home loans, loans against property, lease rental discounting and developer finance, serving both individual and corporate borrowers across the residential and commercial mortgage space. Within about seven years of starting mortgage operations, the company grew into the largest non-deposit-taking housing finance company in India by assets under management and the second largest housing finance company overall, with AUM of roughly Rs 91,370 crore as of March 2024, reflecting a compound annual growth rate of close to 31 percent between fiscal 2022 and fiscal 2024. It served over 3 lakh active customers as of that date, the large majority of them home loan customers, through a network of 215 branches spread across 174 locations in 20 states and three union territories. The company benefits from its parentage within the Bajaj Group, drawing on the group's experience in scaling financial services businesses, and has maintained asset quality metrics among the strongest in the large housing finance company peer set. Shares of the company listed on the NSE and BSE on 16 September 2024 following a book-built initial public offering combining a fresh issue with an offer for sale by the promoter.
Ahead of the offer, the company raised approximately Rs 1,758 crore from anchor investors at the cap price of Rs 70 per share. Notable anchor participants included the Government of Singapore, ICICI Prudential Banking and Financial Services Fund, New World Fund Inc, and a broad group of 21 domestic mutual funds across 43 schemes.
Source: RHP • Analysis provided for informational purposes
Last Updated: 14 July 2026, 5:30 AM
Leading and fast-growing housing financier
The company became the largest non-deposit-taking housing finance company in India by AUM and the second largest overall within about seven years of starting mortgage lending, carrying forward the Bajaj Group's legacy in financial services.
Resilient growth track record
It has posted consistent growth across assets, revenue and profit even through periods of stress for the broader NBFC and housing finance sector, including the NBFC liquidity crisis and the COVID-19 disruption.
Strong asset quality
The company reports very low gross and net non-performing asset ratios relative to large housing finance peers, reflecting disciplined underwriting.
Wide distribution network
A branch network spanning over 200 locations across 20 states and union territories supports both origination and customer servicing across the country.
Backing of the Bajaj Group
As a wholly owned subsidiary of Bajaj Finance, the company can draw on the group's scale, brand and experience in growing large financial services franchises.
Interest rate sensitivity
Movements in interest rates can affect the company's net interest income and margins and the value of its fixed income holdings, impacting overall profitability.
Asset-liability mismatch risk
Differences between the maturity profiles of the company's loan assets and its borrowings expose it to liquidity risk typical of a lending business.
Regulatory and sector risk
As a housing finance company regulated by the National Housing Bank and RBI, changes in sectoral regulations or capital norms could affect its growth plans or cost of funds.
Bajaj Housing Finance Limited
Bajaj Auto Limited Complex, Mumbai-Pune Road, Akurdi, Pune 411035, Maharashtra, India
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