Bajaj Housing Finance Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	101,781	89,862	72,024	52,692	34,818	28,774
Total Interest Expense	65,481	59,790	46,926	32,113	21,553	19,615
Net Interest Income	36,299	30,071	25,098	20,579	13,264	9,159
Commissions and Fees	2,395	2,012	1,382	1,365	2,239	2,154
Other Revenue	1,371	1,766	1,056	1,348	-	598.7
Revenue Before Loan Losses	40,064	33,849	27,535	23,292	15,503	11,912
Provision for Loan Losses	1,767	800.8	608.8	1,235	1,811	2,472
Revenue	38,297	33,048	26,927	22,057	13,692	9,440
Revenue Growth (YoY)	23.96%	22.73%	22.08%	61.09%	45.04%	4.24%
Salaries & Employee Benefits	5,468	4,839	4,656	4,351	3,489	2,458
Cost of Services Provided	337.5	327.2	304.2	245.6	107.3	134.1
Other Operating Expenses	1,806	1,385	1,283	1,244	826.7	454.7
Total Operating Expenses	8,071	6,962	6,640	6,175	4,681	3,264
Operating Income	30,227	26,086	20,287	15,882	9,011	6,176
EBT Excluding Unusual Items	30,255	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	-
Other Unusual Items	-131.4	-	-	-	-	-
Pretax Income	31,739	27,702	21,613	17,001	9,599	6,132
Income Tax Expense	6,961	6,073	4,301	4,423	2,502	1,600
Net Income	24,778	21,629	17,312	12,578	7,096	4,532
Net Income to Common	24,778	21,629	17,312	12,578	7,096	4,532
Net Income Growth	26.58%	24.93%	37.64%	77.25%	56.58%	7.56%
Shares Outstanding (Basic)	8,340	8,092	6,712	6,682	4,883	4,883
Shares Outstanding (Diluted)	8,346	8,099	6,712	6,682	4,883	4,883
Shares Change (YoY)	8.73%	20.66%	0.45%	36.84%	-	30.08%
EPS (Basic)	2.97	2.67	2.58	1.88	1.45	0.93
EPS (Diluted)	2.97	2.67	2.58	1.88	1.45	0.93
EPS Growth	16.39%	3.52%	37.02%	29.54%	56.58%	-17.14%
Free Cash Flow	-	-170,999	-146,258	-143,521	-124,989	-50,824
Free Cash Flow Per Share	-	-21.11	-21.79	-21.48	-25.59	-10.41
Operating Margin	78.93%	78.93%	75.34%	72.00%	65.81%	65.42%
Profit Margin	64.70%	65.45%	64.29%	57.02%	51.83%	48.01%
Free Cash Flow Margin	-	-517.43%	-543.17%	-650.68%	-912.84%	-538.38%
Effective Tax Rate	21.93%	21.92%	19.90%	26.01%	26.07%	26.09%
Revenue as Reported	107,675	95,760	76,177	56,654	37,671	31,553

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.