BAJAJHFL

What Bajaj Housing Finance promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 17 tracked 5 delivered 1 missed 11 open
  • Cost of Funds delivered said Q4 FY26 Promised: while cost of funds side also we'll see some marginal benefit of 3 to 5 basis points. Q1 FY27: Cost of Funds reduced by 10 bps QoQ to 7.2% from 7.3% in Q4 FY26, outperforming the guided 3-5 bps reduction.
  • ROA for FY27 revised up said Q4 FY26 Promised: But we should be in the medium term range with a bias towards hitting the upper end of the medium term range in the ROA, which is our computation. Q1 FY27: Management provided formal FY27 guidance for ROA at 2.1-2.3%, which is higher than the original medium-term range of 2.0-2.2% and confirms the bias towards the upper end.
  • NIM/NTI Moderation for FY26 missed said Q1 FY26 Promised: NIM or NTI may moderate by 15-20 bps. Q4 FY26: YoY NIM dropped by 20 bps (from 4.0% to 3.8%), which is at the high end of the original guidance and significantly more than the improved 8-10 bps guidance from Q3.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 17 tracked commitments for Bajaj Housing Finance — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens