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Bajaj Housing Finance Limited
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Registered Details

BAJAJ HOUSING FINANCE LIMITED

Active

Updated: 04 Sep 2024

Bajaj Housing Finance Limited, is an unlisted public company incorporated on 13 June, 2008. It is classified as a public limited company and is located in Pune, Maharashtra. It's authorized share capital is INR 9,000.00 cr and the total paid-up capital is INR 7,819.58 cr.

Bajaj Housing Finance Limited's operating revenue range is Over INR 500 cr for the financial year ending on 31 March, 2024. It's EBITDA has increased by 39.42% over the previous year. At the same time, it's book networth has increased by 16.47%.

Industry

Finance

Products

Developer Finance etc, Balance Transfer Loan, Against Property For Professionals, Against Property Loan, Home Loan

Key Metrics

** All rupee values in INR crores. Based on March 2024 numbers.

Sales

34.47%

₹ 7,617.3

EBITDA

39.42%

₹ 6,893.1

Net Profit

37.64%

₹ 1,731.2

Networth

16.47%

₹ 12,233.5

Borrowings

28.62%

₹ 69,129.3

Assets

26.56%

₹ 81,827.1

Gross Margin

- %

Operating Margin

3.21

90.5 %

Net Profit Margin

0.53

22.7 %

Return on Equity

2.17

14.2 %

ROCE

-98.15

-3,107.3 %

Debt to Equity

0.53

5.7

Sales

Mar 2024

Net worth

Mar 2024

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Locations

India (1)

State	Type	Address

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Tofler Score

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Risk

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No risks identified

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LOW INTEREST COVERAGE

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NET MARGIN DETERIORATING

About Tofler Score

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Financial Highlights

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	2,646.0	3,154.7	3,766.7	5,664.7	7,617.3
Operating profit	2,206.4	2,600.2	3,140.5	4,944.1	6,893.1
Net profit	-146.1	453.2	709.6	1,257.8	1,731.2
Gross margin	-	-	-	-	-
Operating margin	83.4	82.4	83.4	87.3	90.5
Net margin	-5.5	14.4	18.8	22.2	22.7
Networth	5,585.1	6,032.2	6,741.4	10,503.2	12,233.5
Borrowings	25,600.4	31,600.6	41,492.3	53,745.4	69,129.3
Assets	31,372.4	37,859.3	48,527.1	64,654.2	81,827.1
Debt to equity	4.6	5.2	6.2	5.1	5.7
Current ratio	-	-	-	-	-
ROE	-2.6	7.5	10.5	12.0	14.2
Days payable	-	-	-	-	-
WC days	-	-	-	-	-

Margins

Gross margin

Operating margin

Net margin

Balance Sheet

₹

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	4,883.3	4,883.3	4,883.3	6,712.2	6,712.2
Reserves	701.8	1,148.9	1,858.0	3,791.0	5,521.3
Borrowings +	25,600.4	31,600.6	41,492.3	53,745.4	69,129.3
Long term borrowings	25,600.4	31,600.6	41,492.3	53,745.4	69,129.3
Short term borrowings	-	-	-	-	-
Trade payables +	30.6	20.9	36.4	45.9	57.6
Days payable	-	-	-	-	-
Other liabilities +	186.9	226.5	293.4	405.6	464.3
Other non-current liabilities	11.4	-	-	28.3	-
Other current liabilities	144.8	205.6	257.0	331.4	406.7
Total liabilities	31,372.4	37,859.3	48,527.1	64,654.2	81,827.1
Fixed Assets +	85.8	78.9	98.7	113.3	123.7
Tangible assets	77.8	64.3	78.1	84.9	87.5
CWIP	-	-	1.5	0.3	0.9
Intangible assets	8.0	14.6	19.1	28.1	35.4
LT loans and advances	27,975.4	33,418.9	46,482.1	62,113.9	79,300.8
Other non-current assets	2,523.0	3,584.7	1,292.9	2,326.1	2,282.6
Current assets +	788.3	776.9	653.4	100.8	120.0
Inventories	-	-	-	-	-
Trade receivables	118.5	310.7	237.3	1.6	13.4
Cash and cash equivalents	658.7	461.8	407.0	93.9	63.9
ST loans and advances	-	-	-	-	-
Other current assets	11.1	4.5	9.1	5.3	42.7
Total assets	31,372.4	37,859.3	48,527.1	64,654.2	81,827.1

Percentage of assets	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	15.57	12.9	10.06	10.38	8.2
Reserves	2.24	3.03	3.83	5.86	6.75
Borrowings +	81.6	83.47	85.5	83.13	84.48
Long term borrowings	81.6	83.47	85.5	83.13	84.48
Short term borrowings	0.0	0.0	0.0	0.0	0.0
Trade payables	0.1	0.06	0.08	0.07	0.07
Other liabilities +	0.6	0.6	0.6	0.63	0.57
Other non-current liabilities	0.04	0.0	0.0	0.04	0.0
Other current liabilities	0.46	0.54	0.53	0.51	0.5
Total liabilities
Fixed Assets +	0.27	0.21	0.2	0.18	0.15
Tangible assets	0.25	0.17	0.16	0.13	0.11
CWIP	0.0	0.0	0.0	0.0	0.0
Intangible assets	0.03	0.04	0.04	0.04	0.04
LT loans and advances	89.17	88.27	95.79	96.07	96.91
Other non-current assets	8.04	9.47	2.66	3.6	2.79
Current assets +	2.51	2.05	1.35	0.16	0.15
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	0.38	0.82	0.49	0.0	0.02
Cash and cash equivalents	2.1	1.22	0.84	0.15	0.08
ST loans and advances	0.0	0.0	0.0	0.0	0.0
Other current assets	0.04	0.01	0.02	0.01	0.05
Total assets

Total assets

Profit & Loss

₹

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales +	2,646.0	3,154.7	3,766.7	5,664.7	7,617.3
Sales growth %	130.26	19.22	19.4	50.39	34.47
Expenses +	2,078.8	2,542.1	2,807.3	3,965.4	5,456.4
Cost of goods	-	-	-	-	-
Employee cost	248.5	245.8	348.8	435.1	465.6
Other costs	191.1	308.7	277.4	285.5	258.5
Operating profit +	2,206.4	2,600.2	3,140.5	4,944.1	6,893.1
Operating margin %	83.4	82.4	83.4	87.3	90.5
Other income	0.2	0.6	0.5	0.7	0.4
Interest	1,616.0	1,965.9	2,155.3	3,211.3	4,692.6
Depreciation	23.1	21.8	25.8	33.4	39.6
Exceptional items	-	-	-	-	-
Profit before tax	567.4	613.2	959.9	1,700.1	2,161.3
Tax	146.1	160.0	250.2	442.3	430.1
Profit - disc. ops	-	-	-	-	-
Net profit	-146.1	453.2	709.6	1,257.8	1,731.2
Net margin %	-5.5	14.4	18.8	22.2	22.7

Precentage of total income	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	99.99	99.98	99.99	99.99	99.99
Expenses +	78.56	80.57	74.52	69.99	71.63
Cost of goods	0.0	0.0	0.0	0.0	0.0
Employee cost	9.39	7.79	9.26	7.68	6.11
Other costs	7.22	9.78	7.36	5.04	3.39
Operating profit	83.38	82.41	83.36	87.27	90.49
Other income	0.01	0.02	0.01	0.01	0.01
Interest	61.07	62.3	57.21	56.68	61.6
Depreciation	0.87	0.69	0.68	0.59	0.52
Exceptional items	0.0	0.0	0.0	0.0	0.0
Profit before tax	21.44	19.43	25.48	30.01	28.37
Tax	5.52	5.07	6.64	7.81	5.65
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	-5.52	14.36	18.84	22.2	22.73

Revenue from operations

Ratios

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Solvency +
Total Debt/Equity	4.6	5.2	6.2	5.1	5.7
Net Debt/Equity	4.5	5.2	6.1	5.1	5.7
Total Debt/Assets	0.8	0.8	0.9	0.8	0.8
Total Assets/Equity	5.6	6.3	7.2	6.2	6.7
Liquidity +
Current Ratio	-	-	-	-	-
Quick Ratio	-	-	-	-	-
Interest Coverage	-	-	-	-	-
Performance
Gross Margin	-	-	-	-	-
Operating Margin	83.4	82.4	83.4	87.3	90.5
Net Margin	-5.5	14.4	18.8	22.2	22.7
Return +
Return on Equity	-2.6	7.5	10.5	12.0	14.2
Pre-tax ROCE	312.5	409.8	679.1	-3,009.2	-3,107.3
Return on Assets	-0.5	1.2	1.5	1.9	2.1
Pre-tax ROIC	7.2	6.9	6.5	7.7	8.4
Efficiency +
Days Payable	-	-	-	-	-
Days Inventory	-	-	-	-	-
Days Receivable	-	-	-	-	-
Fixed Asset Turnover	30.9	40.0	38.2	50.0	61.6
Total Asset Turnover	0.1	0.1	0.1	0.1	0.1
Working Capital
Cash Conversion Cycle	-	-	-	-	-
Working Capital Days	-	-	-	-	-

Ratios

Current ratio

Debt/equity ratio

Charges on assets

Bank wise

Charges

Catalyst Trusteeship Limited

No. of Loans: 33

Total Amount : 77,447.0 cr

National Housing Bank

No. of Loans: 2

Total Amount : 9,698.0 cr

No. of Loans: 5

Total Amount : 3,925.0 cr

Catalyst Trustee

No. of Loans: 1

Total Amount : 750.0 cr

The Federal Bank Limited

No. of Loans: 1

Total Amount : 0.0 cr

Punjab National Bank

No. of Loans: 1

Total Amount : 0.0 cr

IDBI Bank Limited

No. of Loans: 1

Total Amount : 0.0 cr

The Shamrao Vithal Co-operative Bank Limited

No. of Loans: 1

Total Amount : 0.0 cr

DBS BANK INDIA LIMITED

No. of Loans: 1

Total Amount : 0.0 cr

Central Bank of India

No. of Loans: 1

Total Amount : 0.0 cr

Indian Bank

No. of Loans: 1

Total Amount : 0.0 cr

Canara Bank

No. of Loans: 1

Total Amount : 0.0 cr

THE COSMOS BANK LIMITED

No. of Loans: 1

Total Amount : 0.0 cr

Bank of Baroda

No. of Loans: 1

Total Amount : 0.0 cr

The Karur Vysya Bank Limited

No. of Loans: 1

Total Amount : 0.0 cr

BANDHAN BANK LIMITED

No. of Loans: 1

Total Amount : 0.0 cr

Bank of India

No. of Loans: 1

Total Amount : 0.0 cr

Union Bank of India

No. of Loans: 1

Total Amount : 0.0 cr

Charge Holder	Amount	Date of creation/modification
National Housing Bank	4,698.0 cr	23 Aug, 2024
Catalyst Trusteeship Limited	50,575.0 cr	08 Aug, 2024
Punjab National Bank	0.0 cr	30 Jul, 2024
Catalyst Trusteeship Limited	1,150.0 cr	23 Jul, 2024
Catalyst Trusteeship Limited	2,850.0 cr	15 Jul, 2024
Catalyst Trusteeship Limited	1,520.0 cr	09 Jul, 2024
Catalyst Trusteeship Limited	500.0 cr	15 May, 2024
Catalyst Trusteeship Limited	4,500.0 cr	08 May, 2024
Catalyst Trusteeship Limited	565.0 cr	23 Apr, 2024
Catalyst Trusteeship Limited	535.0 cr	08 Apr, 2024
Catalyst Trusteeship Limited	500.0 cr	15 Mar, 2024
Catalyst Trusteeship Limited	500.0 cr	29 Feb, 2024
Catalyst Trusteeship Limited	1,000.0 cr	16 Feb, 2024
Catalyst Trusteeship Limited	500.0 cr	09 Feb, 2024
Catalyst Trusteeship Limited	1,000.0 cr	18 Jan, 2024
Catalyst Trusteeship Limited	500.0 cr	27 Oct, 2023
	500.0 cr	19 Oct, 2023
National Housing Bank	5,000.0 cr	21 Sep, 2023
Catalyst Trusteeship Limited	850.0 cr	01 Sep, 2023
Catalyst Trusteeship Limited	500.0 cr	26 May, 2023
Catalyst Trusteeship Limited	500.0 cr	28 Apr, 2023
Catalyst Trusteeship Limited	2,000.0 cr	13 Apr, 2023
Catalyst Trusteeship Limited	2,000.0 cr	13 Apr, 2023
Catalyst Trustee	750.0 cr	24 Jan, 2023
Catalyst Trusteeship Limited	725.0 cr	14 Dec, 2022
Catalyst Trusteeship Limited	250.0 cr	08 Dec, 2022
	1,500.0 cr	18 Nov, 2022
Catalyst Trusteeship Limited	390.0 cr	09 Nov, 2022
Catalyst Trusteeship Limited	475.0 cr	14 Oct, 2022
Catalyst Trusteeship Limited	500.0 cr	23 Sep, 2022
Catalyst Trusteeship Limited	500.0 cr	08 Sep, 2022
	250.0 cr	29 Aug, 2022
	625.0 cr	12 Aug, 2022
	1,050.0 cr	21 Jul, 2022
Catalyst Trusteeship Limited	841.0 cr	01 Jul, 2022
Catalyst Trusteeship Limited	255.0 cr	23 May, 2022
Catalyst Trusteeship Limited	300.0 cr	27 Jan, 2022
Catalyst Trusteeship Limited	50.0 cr	17 Dec, 2021
Catalyst Trusteeship Limited	225.0 cr	12 Nov, 2021
Catalyst Trusteeship Limited	221.0 cr	29 Oct, 2021
IDBI Bank Limited	0.0 cr	14 Oct, 2021
Catalyst Trusteeship Limited	330.0 cr	21 Sep, 2021
Catalyst Trusteeship Limited	340.0 cr	06 Sep, 2021
The Shamrao Vithal Co-operative Bank Limited	0.0 cr	11 Aug, 2021
DBS BANK INDIA LIMITED	0.0 cr	09 Aug, 2021
Central Bank of India	0.0 cr	03 Aug, 2021
Indian Bank	0.0 cr	03 Aug, 2021
Bank of India	0.0 cr	31 Jul, 2021
Union Bank of India	0.0 cr	29 Jul, 2021
The Karur Vysya Bank Limited	0.0 cr	28 Jul, 2021
Canara Bank	0.0 cr	28 Jul, 2021
Bank of Baroda	0.0 cr	15 Jun, 2021
BANDHAN BANK LIMITED	0.0 cr	17 May, 2021
THE COSMOS BANK LIMITED	0.0 cr	31 Mar, 2021
The Federal Bank Limited	0.0 cr	31 Mar, 2021

Charges

Catalyst Trusteeship Limited

National Housing Bank

Catalyst Trustee

Others

People

Designation	Name	DIN/PAN	Tenure
Director	Sanjivnayan Bajaj Shareholder	00014615	7 years
Director	Anami Narayan Prema Roy	01361110	5 years
Director	Rajeev Jain Shareholder	01550158	10 years
Director	Arindam Bhattacharya	01570746	3 years
CFO	Gaurav Kalani	<HIDDEN>	7 years
Director	Jasmine Arish Chaney	07082359	2 years
Managing Director	Atul Jain Shareholder	09561712	3 years
Director	Srirama Madakasira Narasimha Swamy	10367727	1 years
CS	Atul Patni	<HIDDEN>	3 years

Company Network

Companies connected through Directors

Name	Status	Paid up Capital	Common Directors	Address
JAMNALAL SONS PRIVATE LIMITED	Active	5.0 L	1	Maharashtra
MAHARASHTRA SCOOTERS LTD	Active	11.4 Cr	1	Maharashtra
BAJAJ AUTO HOLDINGS LIMITED	Active	24.5 L	1	Maharashtra
BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED	Active	110.2 Cr	2	Maharashtra
BAJAJ ALLIANZ LIFE INSURANCE COMPANY LIMITED	Active	150.7 Cr	2	Maharashtra
MAHAKALPA AROGYA PRATISTHAN	Active	0.0	1	Maharashtra
BHOOPATI SHIKSHAN PRATISTHAN	Active	0.0	1	Maharashtra
RAHUL SECURITIES PVT LTD	Active	20.0 L	1	Maharashtra
KAMALNAYAN INVESTMENT AND TRADING PVT LTD	Active	10.0 L	1	Maharashtra
RUPA EQUITIES PRIVATE LIMITED	Active	20.0 L	1	Maharashtra
BAJAJ FINSERV LIMITED	Active	159.7 Cr	2	Maharashtra
SANRAJ NAYAN INVESTMENTS PRIVATE LIMITED	Active	100.0 Cr	1	Maharashtra
BAJAJ FINSERV ASSET MANAGEMENT LIMITED	Active	450.0 Cr	1	Maharashtra
BAJAJ FINANCE LIMITED	Active	123.8 Cr	4	Maharashtra
BAJAJ SEVASHRAM PRIVATE LIMITED	Active	1.7 Cr	1	Maharashtra
BACHHRAJ AND COMPANY PRIVATE LIMITED	Active	30.0 L	1	Maharashtra
BACHHRAJ FACTORIES PRIVATE LIMITED	Active	30.0 L	1	Maharashtra
BAJAJ HOLDINGS & INVESTMENT LIMITED.	Active	111.3 Cr	2	Maharashtra
INDIAN SCHOOL OF BUSINESS	Active	0.0	1	Telangana
BAJAJ AUTO LIMITED.	Active	279.3 Cr	2	Maharashtra
GLAXOSMITHKLINE PHARMACEUTICALS LIMITED	Active	169.4 Cr	1	Maharashtra
VANDANA FOUNDATION	Active	5.0 L	1	Maharashtra
MAYAR HEALTH RESORTS LIMITED	Active	22.0 Cr	1	Delhi
FINOLEX INDUSTRIES LIMITED	Active	123.7 Cr	1	Maharashtra
GOOD HOST SPACES PRIVATE LIMITED	Active	2.2 Cr	1	Maharashtra
SIEMENS LIMITED	Active	71.2 Cr	1	Maharashtra
FLEUR HOTELS PRIVATE LIMITED	Active	97.8 Cr	1	Delhi
AUSB FARMS LLP	Active	1.0 L	1	Delhi
INFO EDGE (INDIA) LIMITED	Active	129.6 Cr	1	Delhi
BAJAJ FINSERV HEALTH LIMITED	Active	2.5 Cr	1	Maharashtra
LF RETAIL PRIVATE LIMITED	Active	1.0 L	1	Maharashtra
BAJAJ FINANCIAL SECURITIES LIMITED	Active	967.8 Cr	1	Maharashtra
BAJAJ FINSERV DIRECT LIMITED	Active	3.1 Cr	1	Maharashtra
TRANSACTION ANALYSTS (INDIA) PRIVATE LIMITED	Active	1.2 Cr	1	Telangana

Subsidiary Companies

Name	State / Country	Incorporation Year	Paidup Capital
BAJAJ FINANCIAL SECURITIES LIMITED	Maharashtra	2010	₹ 967.8 Cr

Registered Details

CIN

U65910PN2008PLC132228

PAN

AADCB6018P

Incorporation

2008, 16.9 years

Company Email

atul.patni@bajajfinserv.in

Paid up Capital

₹ 7,819.6 Cr

Authorised Capital

₹ 9,000.0 Cr

AGM

Jul 2024

Type

Public

Non-government Company

FAQ - BAJAJ HOUSING FINANCE LIMITED

What is the incorporation date of BAJAJ HOUSING FINANCE LIMITED?

The incorporation date of BAJAJ HOUSING FINANCE LIMITED is 13 June, 2008

What is the authorized share capital of BAJAJ HOUSING FINANCE LIMITED?

The authorized share capital of BAJAJ HOUSING FINANCE LIMITED is INR ₹ 9,000.0 Cr.

What is the paid-up capital of BAJAJ HOUSING FINANCE LIMITED?

The paid-up capital of BAJAJ HOUSING FINANCE LIMITED is INR ₹ 7,819.6 Cr.

What is the registered address of BAJAJ HOUSING FINANCE LIMITED?

The registered address of BAJAJ HOUSING FINANCE LIMITED is Bajaj Auto Limited Complex Mumbai-Pune Road, Akurdi NA PUNE Maharashtra - 411035

What is the CIN number of BAJAJ HOUSING FINANCE LIMITED?

The CIN number of BAJAJ HOUSING FINANCE LIMITED is U65910PN2008PLC132228.

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