Bajaj Housing Finance Limited (NSE:BAJAJHFL)

Bajaj Housing Finance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	98,027	89,862	72,024	52,692	34,818	28,774
Total Interest Expense	63,306	59,790	46,926	32,113	21,553	19,615
Net Interest Income	34,722	30,071	25,098	20,579	13,264	9,159
Commissions and Fees	2,267	2,012	1,382	1,365	2,239	2,154
Other Revenue	889.3	1,766	1,056	1,348	-	598.7
Revenue Before Loan Losses	37,878	33,849	27,535	23,292	15,503	11,912
Provision for Loan Losses	1,558	800.8	608.8	1,235	1,811	2,472
Revenue	36,320	33,048	26,927	22,057	13,692	9,440
Revenue Growth (YoY)	23.59%	22.73%	22.08%	61.09%	45.04%	4.24%
Salaries & Employee Benefits	5,235	4,839	4,656	4,351	3,489	2,458
Cost of Services Provided	335	327.2	304.2	245.6	107.3	134.1
Other Operating Expenses	1,703	1,385	1,283	1,244	826.7	454.7
Total Operating Expenses	7,713	6,962	6,640	6,175	4,681	3,264
Operating Income	28,607	26,086	20,287	15,882	9,011	6,176
EBT Excluding Unusual Items	28,608	26,087	20,289	15,887	9,014	6,136
Gain (Loss) on Sale of Investments	1,643	1,643	1,332	1,120	589.7	-
Pretax Income	30,224	27,702	21,613	17,001	9,599	6,132
Income Tax Expense	6,614	6,073	4,301	4,423	2,502	1,600
Net Income	23,610	21,629	17,312	12,578	7,096	4,532
Net Income to Common	23,610	21,629	17,312	12,578	7,096	4,532
Net Income Growth	27.86%	24.93%	37.64%	77.25%	56.58%	7.56%
Shares Outstanding (Basic)	8,339	8,092	6,712	6,682	4,883	-
Shares Outstanding (Diluted)	8,345	8,099	6,712	6,682	4,883	-
Shares Change (YoY)	14.63%	20.66%	0.45%	36.84%	-	-
EPS (Basic)	2.83	2.67	2.58	1.88	1.45	-
EPS (Diluted)	2.83	2.67	2.58	1.88	1.45	-
EPS Growth	11.52%	3.52%	37.02%	29.54%	-	-
Free Cash Flow	-201,529	-170,999	-146,258	-143,521	-124,989	-50,824
Free Cash Flow Per Share	-24.15	-21.11	-21.79	-21.48	-25.59	-
Operating Margin	78.76%	78.93%	75.34%	72.00%	65.81%	65.42%
Profit Margin	65.00%	65.45%	64.29%	57.02%	51.83%	48.01%
Free Cash Flow Margin	-554.87%	-517.43%	-543.17%	-650.68%	-912.84%	-538.38%
Effective Tax Rate	21.88%	21.92%	19.90%	26.01%	26.07%	26.09%
Revenue as Reported	103,304	95,760	76,177	56,654	37,671	31,553

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.