Bajaj Housing Finance Share Price Target; Bajaj Housing Finance Limited (BHFL) has emerged as one of India’s fastest-growing non-banking financial companies (NBFCs) specializing in housing finance. A wholly owned subsidiary of Bajaj Finance Limited, BHFL has created a strong presence in the mortgage business by offering a wide range of products including home loans, loans against property, and lease rental discounting. With strong backing, robust asset growth, and strategic expansion, Bajaj Housing Finance is expected to perform well in the coming years. This article provides a comprehensive analysis of Bajaj Housing Finance’s share price target from 2025 to 2050, along with its business outlook, financial metrics, and growth drivers.
Bajaj Housing Finance Company Overview
Established in 2008 and headquartered in Pune, Bajaj Housing Finance Limited operates as a focused mortgage lender. It caters to salaried individuals, self-employed professionals, developers, and corporations. Over the years, the company has built an impressive loan portfolio with total assets surpassing ₹90,000 crore. As of 2025, Bajaj Housing Finance has positioned itself as the largest non-deposit-taking housing finance company in India by asset size, outpacing several competitors like LIC Housing Finance and HUDCO. The company’s commitment to digital solutions, customer-centric services, and rigorous risk management policies has enabled it to achieve sustainable growth.
Bajaj Housing Finance Share Price Target Overview Table
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 184.62 | 216.25 |
| 2026 | 292.10 | 342.42 |
| 2027 | 371.74 | 438.65 |
| 2028 | 502.18 | 570 |
| 2029 | 584 | 657.24 |
| 2030 | 610.47 | 725.10 |
| 2034 | 1,065 | 1,124 |
| 2035 | 1,152.50 | 1,370 |
| 2040 | 2,285 | 2,660 |
| 2045 | 3,150 | 3,288.50 |
| 2050 | 4,196 | 4,500 |
Bajaj Housing Finance Year-wise Detailed Price Targets
Bajaj Housing Finance Share Price Target 2025
The share price is expected to be between ₹184.62 and ₹216.25. Continued growth in the real estate sector and rising demand for affordable housing loans will support this upward trend.
Bajaj Housing Finance Share Price Target 2026
For 2026, the share price target is projected between ₹292.10 and ₹342.42. Rapid asset growth and a strong brand presence in the home loan segment are key drivers.
Bajaj Housing Finance Share Price Target 2027
In 2027, Bajaj Housing Finance shares are anticipated to trade between ₹371.74 and ₹438.65. Focused expansion into tier 2 and tier 3 cities will fuel growth.
Bajaj Housing Finance Share Price Target 2028
The target for 2028 ranges from ₹502.18 to ₹570. The company’s emphasis on digital home loan solutions and customer convenience is expected to enhance market share.
Bajaj Housing Finance Share Price Target 2029
By 2029, the share price is projected between ₹584 and ₹657.24. Increased cross-selling of products and technological innovations will likely drive revenue growth.
Bajaj Housing Finance Share Price Target 2030
In 2030, the share price is expected to reach between ₹610.47 and ₹725.10. A diversified loan book and improving financial metrics will support sustained valuations.
Bajaj Housing Finance Share Price Target 2034
In 2034, the company’s share price is likely to be between ₹1,065 and ₹1,124, assuming continued economic stability and mortgage market expansion.
Bajaj Housing Finance Share Price Target 2035
The 2035 forecast stands between ₹1,152.50 and ₹1,370. BHFL’s commitment to maintaining low NPAs and targeting premium customer segments will strengthen earnings.
Bajaj Housing Finance Share Price Target 2040
By 2040, Bajaj Housing Finance shares may range between ₹2,285 and ₹2,660, driven by the company’s dominance in secured lending and superior asset quality.
Bajaj Housing Finance Share Price Target 2045
In 2045, the share price is expected to range between ₹3,150 and ₹3,288.50. The company’s focus on low-cost housing finance and digital transformation could lead to further market leadership.
Bajaj Housing Finance Share Price Target 2050
The long-term projection for 2050 places the share price between ₹4,196 and ₹4,500, highlighting the potential of consistent revenue growth and strong asset quality.
Bajaj Housing Finance Financial Performance Overview
Bajaj Housing Finance has shown rapid financial growth:
- Total Assets (2024): ₹90,000+ crore
- Loan Book CAGR (5 years): 25%
- Net Interest Margin (NIM): Above 3%
- Gross Non-Performing Assets (NPA): Below 0.3%
- Return on Equity (ROE): 15%
- Capital Adequacy Ratio (CAR): 22%
The company’s focus on prime customers, stringent underwriting practices, and superior collections management contributes to healthy profitability and low asset stress.
Read it Also – Dalmia Bharat Share Price Target 2025, 2026, 2027, 2030 Expert Analysis & Forecast
Bajaj Housing Finance Fundamental Analysis
Bajaj Housing Finance stands out for its strong fundamentals:
- Backed by Bajaj Finance, a highly trusted financial services group
- Diversified loan book focused on secured lending
- Technology-driven approach for loan origination and servicing
- Healthy liquidity position with robust capital adequacy
- Conservative risk management practices
These factors create a strong foundation for long-term sustainable growth.
Bajaj Housing Finance Shareholding Pattern
| Category | Shareholding (%) |
|---|---|
| Promoters | 55.12% |
| Foreign Institutional Investors | 0.74% |
| Domestic Institutional Investors | 0.87% |
| Retail and Public Investors | 43.27% |
The dominant promoter holding indicates confidence in the company’s future, while rising public participation suggests increasing retail interest.
Bajaj Housing Finance Future Growth Potential
Bajaj Housing Finance’s future prospects are supported by:
- Rising demand for housing loans across urban and semi-urban regions
- Digitization of the mortgage application and servicing process
- Expansion into underserved segments with customized products
- Cross-sell opportunities through the Bajaj Group ecosystem
- High credit ratings ensuring easy access to funding at low cost
Bajaj Housing Finance Risks Associated with Investment
Investors should consider the following risks:
- Sensitivity to interest rate changes impacting net interest margins
- Regulatory risks linked to NBFC sector reforms
- Competitive pressures from banks and other HFCs
- Economic slowdowns affecting housing demand
Bajaj Housing Finance Expert Opinions and Recommendations
Market experts remain optimistic about Bajaj Housing Finance’s growth story, citing its strong parentage, sound financial health, and aggressive expansion strategies. Many brokerage houses recommend a ‘Buy’ rating for investors with a medium to long-term horizon.
Conclusion: Final Verdict
Bajaj Housing Finance Limited represents a robust investment opportunity within the Indian mortgage sector. Backed by Bajaj Finance’s reputation, a growing loan portfolio, and disciplined risk management, the company is poised for sustained growth. Long-term investors seeking exposure to India’s housing finance growth theme may find Bajaj Housing Finance an attractive addition to their portfolios.
