Bajaj Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	105,116	89,862	72,024	52,692	34,818
Total Interest Expense	67,594	59,790	46,926	32,113	21,553
Net Interest Income	37,522	30,071	25,098	20,579	13,264
Commissions and Fees	2,971	2,012	1,382	1,365	2,239
Other Revenue	3,023	1,766	1,056	1,348	-
Revenue Before Loan Losses	43,516	33,849	27,535	23,292	15,503
Provision for Loan Losses	1,907	800.8	608.8	1,235	1,811
Revenue	41,609	33,048	26,927	22,057	13,692
Revenue Growth (YoY)	25.91%	22.73%	22.08%	61.09%	45.04%
Salaries & Employee Benefits	5,592	4,839	4,656	4,351	3,489
Cost of Services Provided	130.9	327.2	304.2	245.6	107.3
Other Operating Expenses	2,081	1,385	1,283	1,244	826.7
Total Operating Expenses	8,277	6,962	6,640	6,175	4,681
Operating Income	33,332	26,086	20,287	15,882	9,011
EBT Excluding Unusual Items	33,332	26,087	20,289	15,887	9,014
Gain (Loss) on Sale of Investments	-	1,643	1,332	1,120	589.7
Other Unusual Items	-131.4	-	-	-	-
Pretax Income	33,200	27,702	21,613	17,001	9,599
Income Tax Expense	7,597	6,073	4,301	4,423	2,502
Net Income	25,603	21,629	17,312	12,578	7,096
Net Income to Common	25,603	21,629	17,312	12,578	7,096
Net Income Growth	18.38%	24.93%	37.64%	77.25%	56.58%
Shares Outstanding (Basic)	8,340	8,092	6,712	6,682	4,883
Shares Outstanding (Diluted)	8,340	8,099	6,712	6,682	4,883
Shares Change (YoY)	2.98%	20.66%	0.45%	36.84%	-
EPS (Basic)	3.07	2.67	2.58	1.88	1.45
EPS (Diluted)	3.07	2.67	2.58	1.88	1.45
EPS Growth	14.98%	3.52%	37.02%	29.54%	56.58%
Free Cash Flow	-199,261	-170,999	-146,258	-143,521	-124,989
Free Cash Flow Per Share	-23.89	-21.11	-21.79	-21.48	-25.59
Operating Margin	80.11%	78.93%	75.34%	72.00%	65.81%
Profit Margin	61.53%	65.45%	64.29%	57.02%	51.83%
Free Cash Flow Margin	-478.89%	-517.43%	-543.17%	-650.68%	-912.84%
Effective Tax Rate	22.88%	21.92%	19.90%	26.01%	26.07%
Revenue as Reported	111,503	95,760	76,177	56,654	37,671