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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comBajaj Housing Finance Ltd is one of India’s leading housing finance companies and a key subsidiary of the Bajaj Group, a name synonymous with trust and financial strength. The company primarily focuses on home loans, loan against property, and developer financing, catering to both salaried and self-employed customers.
With India’s housing demand rising due to urbanization, affordable housing schemes, and increasing middle-class income, Bajaj Housing Finance Ltd is well positioned to benefit from long-term structural growth. In this article, we analyze the share price target of Bajaj Housing Finance Ltd from 2026 to 2030 based on current market data, business fundamentals, and sector outlook.
| Detail | Value |
|---|---|
| Open | ₹89.25 |
| Previous Close | ₹89.16 |
| Day’s High | ₹89.59 |
| Day’s Low | ₹87.85 |
| VWAP | ₹88.34 |
| 52-Week High | ₹136.96 |
| 52-Week Low | ₹87.50 |
| All-Time High | ₹188.50 |
| All-Time Low | ₹87.50 |
| Market Capitalization | ₹73,407 Cr |
| Volume | 34,17,595 |
| Value (Lacs) | 3,010.90 |
| Face Value | ₹10 |
| Book Value Per Share | ₹25.42 |
| UC Limit | ₹98.07 |
| LC Limit | ₹80.25 |
| Beta | 0.97 |
Bajaj Housing Finance Ltd operates with a strong focus on risk management, high-quality borrowers, and disciplined lending practices. Backed by the Bajaj Group’s financial ecosystem, the company benefits from brand credibility, strong capital access, and operational efficiency.
Its loan portfolio is largely skewed towards secured housing loans, which provides stability and helps maintain asset quality even during economic slowdowns.
Strong parentage of the Bajaj Group
Focus on secured housing finance products
Robust risk management and underwriting standards
Growing housing demand in urban and semi-urban India
Healthy balance sheet and capital adequacy
Stable beta indicating relatively lower volatility
| Investor Type | Holding (%) |
|---|---|
| Promoters | 86.70% |
| Retail & Others | 10.97% |
| Foreign Institutions | 0.94% |
| Other Domestic Institutions | 0.76% |
| Mutual Funds | 0.63% |
High promoter holding reflects long-term commitment and confidence in the company’s growth trajectory.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2026 | 115 | 135 |
| 2027 | 135 | 160 |
| 2028 | 160 | 190 |
| 2029 | 185 | 220 |
| 2030 | 210 | 260 |
These targets are based on steady loan book growth, stable asset quality, and improving profitability as housing credit penetration increases in India.
By 2026, the company may see improved loan disbursements supported by housing demand and stable interest rates.
Growth Drivers:
Rising home ownership demand
Expansion in salaried and self-employed borrower base
Strong parent brand support
Investment View: Suitable for medium-term investors seeking stability.
In 2027, operating leverage and scale could help improve margins.
Growth Drivers:
Loan book expansion
Efficient cost management
Consistent asset quality
Investment View: Positive outlook for long-term holding.
By 2028, the company may benefit from higher housing credit penetration and steady earnings growth.
Growth Drivers:
Urbanization and affordable housing demand
Improved return ratios
Strong balance sheet support
Investment View: Attractive for investors seeking compounding growth.
As the business matures, Bajaj Housing Finance Ltd could see valuation re-rating closer to top housing finance peers.
Growth Drivers:
Consistent earnings visibility
Low credit risk profile
Expanding distribution reach
Investment View: Suitable for long-term wealth creation.
By 2030, Bajaj Housing Finance Ltd could emerge as one of India’s most reliable housing finance players.
Growth Drivers:
Strong housing demand tailwinds
Stable profitability and cash flows
Trusted brand and governance
Investment View: Ideal for conservative long-term investors.
Bajaj Housing Finance Ltd offers exposure to India’s structural housing growth story with relatively lower risk compared to unsecured lenders. Its strong promoter backing, secured loan portfolio, and disciplined lending practices make it suitable for long-term investors.
Strong parent company backing
Exposure to housing and real estate growth
Lower volatility compared to many NBFCs
High promoter confidence
Interest rate fluctuations
Real estate sector slowdown
Regulatory changes affecting NBFCs
Bajaj Housing Finance Ltd stands out as a stable, long-term housing finance play supported by strong fundamentals and India’s growing housing demand. While short-term price movements may remain volatile, the long-term outlook remains positive.
Based on current assumptions, Bajaj Housing Finance Ltd share price could range between ₹210 and ₹260 by 2030, making it a solid option for investors seeking steady compounding rather than high speculation.
1. What is the current share price of Bajaj Housing Finance Ltd?
It is around the levels mentioned in the latest market data table and changes with market activity.
2. Is Bajaj Housing Finance Ltd a good long-term investment?
Yes, for investors looking for stability and housing sector exposure.
3. What is the share price target for 2026?
The expected range is ₹115 to ₹135.
4. What is the share price target for 2030?
The projected range is ₹210 to ₹260.
5. What factors influence the share price the most?
Loan growth, interest rates, asset quality, regulatory environment, and overall market sentiment.
Disclaimer: This article is for educational purposes only and should not be considered financial advice. Please consult a qualified financial advisor before making investment decisions.
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