Can This Bajaj Group NBFC Benefit From India’s Housing Boom?
Bajaj Housing Finance Share Price Target : India’s housing finance sector is entering a strong long-term growth cycle driven by urbanization, rising income levels, nuclear families, and increasing aspiration for home ownership. Government schemes, infrastructure development, and easier access to credit are further accelerating this trend.
One of the key beneficiaries of this structural shift is Bajaj Housing Finance Limited, a Pune-based housing finance company and a part of the highly trusted Bajaj Group. Recognized by the RBI as an upper-layer NBFC, the company focuses on secured lending with a strong emphasis on asset quality.
In this article, we cover:
- What Bajaj Housing Finance does
- Why it is well-positioned for long-term growth
- Fundamental analysis
- Bajaj Housing Finance share price target from 2026 to 2030
- Long-term outlook and risks
What Does Bajaj Housing Finance Do?
Bajaj Housing Finance provides a wide range of property-linked financial products for individuals and businesses, including:
- Home loans for purchase, construction, and renovation
- Loans against property (LAP) for personal and business needs
- Commercial real estate financing
- Working capital support for property-backed businesses
The company follows a conservative lending approach, focusing on secured loans, strong credit assessment, and disciplined risk management.
Why Bajaj Housing Finance Is Well-Positioned
Several factors support Bajaj Housing Finance’s long-term growth story:
- Strong brand trust of the Bajaj Group
- Rising housing demand in urban and semi-urban India
- Expansion into new cities and underpenetrated markets
- Increasing use of digital lending platforms
- Stable access to low-cost funding
- Government push for affordable housing and infrastructure
These factors together create a favorable environment for steady and sustainable growth.
Bajaj Housing Finance Fundamental Analysis
| Metric | Value |
|---|---|
| Market Capitalization | ₹78,491 Cr |
| ROE | 11.15% |
| P/E Ratio | 33.29 |
| P/B Ratio | 3.71 |
| Debt-to-Equity | 4.44 |
| EPS (TTM) | ₹2.83 |
| Dividend Yield | 0.00% |
| Book Value | ₹25.42 |
| Face Value | ₹10 |
The company maintains a healthy balance between growth and asset quality, supported by strong capital backing and conservative lending practices.
Bajaj Housing Finance Share Price Target 2026
By 2026, Bajaj Housing Finance is expected to benefit from steady expansion in the home loan and LAP segments.
- Minimum Target: ₹95
- Maximum Target: ₹102
Loan book growth, improving margins, and strong demand from salaried and self-employed borrowers could support this phase.
Bajaj Housing Finance Share Price Target 2027
In 2027, digital platforms and faster loan processing may improve customer acquisition and operational efficiency.
- Minimum Target: ₹102
- Maximum Target: ₹109
Urbanization and rising middle-class income levels may continue to drive housing demand.
Bajaj Housing Finance Share Price Target 2028
By 2028, deeper penetration into semi-urban and rural markets could significantly expand the company’s customer base.
- Minimum Target: ₹109
- Maximum Target: ₹120
Government housing initiatives and efficient cost management may support consistent growth.
Bajaj Housing Finance Share Price Target 2029
In 2029, strategic partnerships and continued asset expansion could drive higher revenues.
- Minimum Target: ₹120
- Maximum Target: ₹132
Despite competition, strong brand value and customer loyalty may help maintain stable margins.
Bajaj Housing Finance Share Price Target 2030
By 2030, Bajaj Housing Finance could emerge as one of India’s leading housing finance companies.
- Minimum Target: ₹132
- Maximum Target: ₹145
Long-term housing demand, disciplined risk management, and sustainable growth practices may reward patient investors.
Bajaj Housing Finance Share Price Target Table (2026–2030)
| Year | Minimum Target | Maximum Target |
|---|---|---|
| 2026 | ₹95 | ₹102 |
| 2027 | ₹102 | ₹109 |
| 2028 | ₹109 | ₹120 |
| 2029 | ₹120 | ₹132 |
| 2030 | ₹132 | ₹145 |
Bajaj Housing Finance Shareholding Pattern
| Category | Shareholding |
|---|---|
| Promoters | 88.70% |
| Retail & Others | 9.86% |
| Foreign Institutions | 0.90% |
| Mutual Funds | 0.33% |
| Other Domestic Institutions | 0.21% |
High promoter holding reflects strong confidence from the Bajaj Group in the company’s long-term prospects.
Conclusion
Bajaj Housing Finance is a stable, long-term housing finance stock backed by strong brand equity, conservative lending, and India’s expanding housing market. While valuations may appear premium, consistent loan growth, controlled asset quality, and digital expansion make it attractive for long-term investors seeking steady compounding rather than short-term speculation.
Disclaimer
This article is for educational and informational purposes only and does not constitute investment advice. Stock market investments are subject to market risks. Please consult a certified financial advisor before making any investment decisions.
