What is Bajaj Housing Finance Limited?

Bajaj Housing Finance Limited (BHFL), founded in 2008 and headquartered in Pune, is a wholly owned subsidiary of Bajaj Finance Ltd. Regulated by the National Housing Bank, the company offers a wide range of lending solutions including home loans, loans against property, and real estate developer financing. Over the years, BHFL has become one of the fastest-growing players in India’s housing finance space. Backed by the trusted Bajaj Group, it has rapidly expanded its loan book, strengthened its financial profile, and captured an increasing share of the home-loan market. With financing solutions designed for both individuals and businesses—whether for home purchase, construction, renovation, or commercial projects—BHFL has built a strong and reliable presence in the sector.

With India’s housing demand projected to accelerate significantly in the coming decade, investors are increasingly looking at BHFL with interest. Naturally, questions arise:

  • What could be the share price of Bajaj Housing Finance by 2030?
  • Is it a strong long-term investment?
  • Which factors will drive or limit its future growth?

In this blog, we analyze the fundamentals, industry trends, and growth indicators to understand the potential price targets for 2030—and what they could mean for investors.

Past Performance at a Glance

Although Bajaj Housing Finance is not individually listed yet, its financial performance is reflected in the consolidated results of Bajaj Finance Ltd, which includes:

  • Steady AUM (Asset Under Management) growth
  • Falling NPAs
  • Strong customer acquisition
  • Rising demand for home loans post-pandemic
This strong performance gives confidence for future projections.

Key Factors That Could Influence Growth till 2030

1. India’s Housing Boom

  • Increasing urbanization
  • Affordable housing demand
  • Government schemes like PMAY
  • Rising disposable incomes

The housing market is expected to expand significantly by 2030.

2. Parent Company Strength — Bajaj Finance

Bajaj Finance has:

  • A powerful brand
  • Strong retail presence
  • Industry-leading digital capabilities

This benefits Bajaj Housing Finance’s long-term stability.

3. Loan-Book Growth

Bajaj Housing Finance continues to grow its loan portfolio consistently, with high demand for:

  • Loan against property
  • Home loans
  • Developer loans

Stable growth here will directly reflect in future profitability.

4. Rising Demand for Home Loans

Interest rates, housing affordability, and India’s growing middle class will play a major role in the company’s growth by 2030.

Financial Fundamentals

Metric

Value

Market Cap

Rs.87,781 Cr

52-Week High

Rs.147.70

52-Week Low

Rs.103.10

ROE (Return of Equity)

11.15%

P/E Ratio (TTM)

37.23%

EPS (TTM)

Rs.2.83

P/B ratio

4.14

Dividend Yield

0.00%

Industry P/E

26.39%

Book Value (per share)

Rs.25.42

Debt-to-Equity Ratio

4.11%

Stock Face Value

Rs.10

Bajaj Housing Finance Share Price Target 2030 (Estimated Range)

Based on our independent analysis, Bajaj Housing Finance shows positive long‑term growth potential driven by its expanding loan portfolio and stable financial performance. Below are our estimated year‑wise targets:

Scenario

Expected Price Range (2030)

Conservative

Rs.600-Rs.650

Moderate

Rs.660 -Rs.690

Bullish

Rs. 700+

Warning: These figures are expected targets based on our analysis and are not guaranteed. Market conditions may cause actual prices to vary.

Bajaj Housing Finance Shareholding Pattern

Category

Holding

Promoters

88.70%

Domestic Institutions

0.21%

Foreign Institutions

0.90%

Retail & Others

9.89%

FAQ's

1. Is Bajaj Housing Finance a good long-term investment?

Yes, Bajaj Housing Finance appears to be a strong long-term investment due to its growth, financial stability, and backing from the Bajaj Group.

2. What could be the share price target of Bajaj Housing Finance by 2030?

Actual prices cannot be guaranteed. But based on business growth, industry potential, and Bajaj Finance’s strong fundamentals, the estimated range for 2030 (through Bajaj Finance) may fall upto Rs.700 /-.

3. Is this a buy/sell recommendation?

No. This is not investment advice. The analysis is only for education and research. Investors should consult a financial expert before making decisions.


⚠ Disclaimer

This blog is for educational and informational purposes only. It is not financial advice and not a recommendation to buy or sell any stock. Please consult a financial advisor before investing.