Bajaj Housing Finance Share Price Target From 2025 to 2030

Published on: April 14, 2025

Bajaj Housing Finance Limited (BHFL) is quickly becoming one of the most recognized players in India’s mortgage lending sector. With a strong financial foundation, solid profitability, and a growing customer base, this housing finance company is making waves in the stock market. In this blog post, we will analyze Bajaj Housing Finance share price in depth and provide a month-wise prediction for its share price from 2025 to 2030.

🏢 Company Overview: Bajaj Housing Finance Limited

Bajaj Housing Finance Limited was established in 2008 and is a wholly-owned subsidiary of Bajaj Finance Ltd. Initially incorporated as Bajaj Financial Solutions Limited, the company got its current name in 2014. Since then, it has evolved into a leading Housing Finance Company (HFC) registered with the National Housing Bank (NHB).

From 2018 onwards, it has engaged in mortgage lending, including:

Home Loans
Loans Against Property (LAP)
Lease Rental Discounting
Developer Financing

The company serves individual and corporate customers, using both direct-to-customer (D2C) and intermediary channels, including developers, DSAs, and digital partners.

📊 Key Financial Highlights (as of April 13, 2025)

Metric	Value
Market Cap	₹99,446.41 Cr
Operating Revenue	₹7,617.31 Cr
Net Profit	₹1,731.22 Cr
EPS (TTM)	₹2.08
ROE	15.23%
ROCE	9.42%
PAT Margin	22.73%
P/E Ratio	57.44
P/B Ratio	5.14
Promoter Holding	88.75%
Share Price (13 April 2025)	₹119.38

🔍 Fundamental Analysis

✅ Profitability

Bajaj Housing Finance Share Price has demonstrated strong profit growth over the years:

1-Year Profit Growth: 37.64%
3-Year Profit Growth: 56.32%
5-Year Profit Growth: 73.6%

The high PAT Margin of 22.73% indicates effective cost control and strong demand for its services.

✅ Revenue & EPS Growth

Revenue Growth (1-Year): 34.47%
EPS Growth (YoY): 37.64%

Bajaj Housing Finance Share Price figures show that the company is expanding its business operations efficiently while increasing profitability per share.

✅ Return Ratios

Return on Equity (ROE): 15.23% (Good performance)
Return on Capital Employed (ROCE): 9.42%

Bajaj Housing Finance Share Price return ratios highlight that the management is effectively deploying shareholder capital to generate returns.

✅ Valuation Ratios

P/E Ratio: 57.44 (Slightly overvalued based on earnings)
P/B Ratio: 5.14 (Slightly high for a financial company)

The Bajaj Housing Finance Share Price may currently be priced at a premium due to high growth expectations, but this could change as the company matures.

📉 Technical Analysis

Current Price (April 13, 2025): ₹119.38
52-Week High: ₹188.45
52-Week Low: ₹103

The stock is currently trading closer to its 52-week low, suggesting a potential undervaluation or temporary correction phase.

🔄 Trend & Momentum

Short-term RSI: Neutral Zone (45-50)
Moving Averages: The 50-day MA is below the 200-day MA, indicating a bearish crossover that could reverse soon.
Volume: Low trading volumes in recent months might signal accumulation.

Overall, the technical indicators suggest a consolidation phase, with scope for recovery and an upward trend in the near future.

🧠 Industry Outlook

The housing finance industry in India is poised for growth due to:

Increase in per capita income
Demand for affordable housing
Government initiatives like PMAY
Increasing urbanization and digital lending

With India’s housing finance sector still under-penetrated, there is ample room for companies like BHFL to expand.

Below is a detailed year-wise, month-wise prediction table for Bajaj Housing Finance Share Price from 2025 to 2030. These are estimated prices based on current growth rates, industry outlook, and technical charting patterns.

📌 Note: These are indicative forecasts and not investment advice.

Month	Target Price (₹)
Jan	115
Feb	118
Mar	122
Apr	119
May	124
Jun	128
Jul	131
Aug	136
Sep	140
Oct	145
Nov	150
Dec	155

Month	Target Price (₹)
Jan	158
Feb	162
Mar	168
Apr	174
May	178
Jun	183
Jul	187
Aug	191
Sep	196
Oct	200
Nov	208
Dec	215

Month	Target Price (₹)
Jan	220
Feb	225
Mar	231
Apr	238
May	243
Jun	250
Jul	258
Aug	264
Sep	270
Oct	275
Nov	282
Dec	290

Month	Target Price (₹)
Jan	295
Feb	300
Mar	308
Apr	315
May	322
Jun	328
Jul	335
Aug	340
Sep	348
Oct	355
Nov	362
Dec	370

Month	Target Price (₹)
Jan	378
Feb	385
Mar	392
Apr	400
May	408
Jun	415
Jul	422
Aug	430
Sep	438
Oct	445
Nov	452
Dec	460

Month	Target Price (₹)
Jan	470
Feb	478
Mar	486
Apr	492
May	498
Jun	505
Jul	512
Aug	520
Sep	528
Oct	536
Nov	543
Dec	550

📝 Final Verdict: Is Bajaj Housing Finance a Good Investment?

Based on both fundamental strength and growth prospects, Bajaj Housing Finance share price appears to be a promising stock for long-term investors. Its strong promoter backing (Bajaj Group), high ROE, and increasing EPS indicate solid internal performance.

However, due to its higher valuation ratios (P/E and P/B), investors must be cautious and enter at dips or during market corrections.

✅ Key Takeaways

Bajaj Housing Finance has strong profit growth, EPS, and ROE.
The stock is currently undervalued compared to its long-term growth potential.
Industry trends favor further expansion of the housing finance sector in India.
Investors can consider it for long-term wealth creation, with short-term volatility expected.

If you’re looking to diversify your portfolio with a growing NBFC-HFC stock, Bajaj Housing Finance Share Price trend and future look optimistic — especially considering the fundamentals and expanding market demand.

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Disclaimer: The above analysis is for informational purposes only and should not be considered financial advice. Investors are advised to perform their due diligence or consult financial advisors before making investment decisions.