Bajaj Housing Finance is a housing finance company (HFC) registered with the National Housing Bank (NHB). Since its inception in Fiscal 2018, the company has specialized in mortgage lending, providing tailored financial solutions for individuals and businesses looking to purchase or refurbish residential and commercial properties. Its mortgage offerings include home loans, loans against property, lease rental discounting, and developer financing.

The company primarily focuses on retail housing loans for individuals, complemented by a portfolio of lease rental discounting and developer financing, serving a diverse range of clients—from individual homebuyers to large-scale developers. As of 31 March 2024, Bajaj Housing Finance’s assets under management (AUM) reached INR 91,370.40 crore, marking a compound annual growth rate (CAGR) of 30.9% between Fiscals 2022 and 2024.

The company’s average home loan size stood at INR 0.46 crore, with an average loan-to-value ratio of 70.5%. Impressively, 75.8% of the company’s home loan AUM came from customers with a CIBIL score of 750 and above. Part of the renowned Bajaj Group, Bajaj Housing Finance had 308,693 active customers as of 31 March 2024, with 81.7% being home loan borrowers. The company operated through 215 branches across 174 locations in 20 states and three union territories.