Bajaj Housing Finance Share Price Target: Bajaj Housing Finance, a leading arm of the Bajaj Group, has drawn fresh investor interest as India’s housing market keeps expanding. The company’s steady growth in home loans, strong balance sheet, and digital lending platform make it a favourite for analysts who project long‑term value.
With a focus on affordable housing and a growing customer base, the firm is expected to keep riding India’s infrastructure and real‑estate boom. Analysts believe that if Bajaj Housing Finance goes public, it could attract steady demand for its shares thanks to Bajaj Finance’s backing and the company’s steady earnings.
Bajaj Housing Finance Share Price Target
Below is a detailed look at the projected share price targets for Bajaj Housing Finance from 2026 to 2030. These numbers give a sense of the potential upside if the company’s growth trajectory continues.
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| Year | Target 1 (Lower) | Target 2 (Higher) |
|---|---|---|
| 2026 | ₹120 | ₹130 |
| 2027 | ₹150 | ₹160 |
| 2028 | ₹180 | ₹190 |
| 2029 | ₹200 | ₹210 |
| 2030 | ₹250 | ₹270 |
Why are 2026 to 2030 targets so optimistic? Bajaj Housing Finance has already shown sharp loan disbursement growth in the past few years. The 2024 Q4 report highlighted a 12‑percent rise in home‑loan disbursals versus 2023, while the company’s non‑performing asset ratio fell below 2 %. New digital initiatives, such as automated credit scoring, have shortened the loan approval cycle and broadened the company’s reach across tier‑III cities.
The firm’s asset quality remains strong, with a net NPA (non‑performing assets) of just 1.6 %. This points to efficient risk management, a key metric for investors who evaluate loan‑hising firms. Bajaj Housing Finance also benefits from the larger Bajaj Finance ecosystem, which enjoys a reliable capital base and a robust distribution network.
In India, the housing‑finance segment is set to receive a boost from the government’s affordable‑housing schemes and a stable interest‑rate environment. When the Reserve Bank of India keeps rates near 4 %, the cost of borrowing lowers, encouraging more home purchases. Analysts expect this demand to feed into Bajaj Housing Finance’s book‑growth trajectory.
2026
Forecasting the 2026 share price target, analysts have considered current earnings multiples and peer comparables. At a 15x earnings multiple, the company’s projected earnings per share (EPS) of ₹6.0 in 2026 leads to a fair value around ₹120. A slightly optimistic view assumes a 16x multiple and EPS of ₹6.5, pushing the valuation to ₹130.
2027
By 2027, the firm is expected to register a 10‑percent increase in revenue. This uptick, coupled with a 5‑cent resilience in its cost‑to‑income ratio, yields an EPS of ₹7.2. Using a 15x multiple places the share price target near ₹150, while a 16x multiple ferries it to ₹160. This upward push reflects the company’s expanding customer base and the launch of newer home‑loan products.
2028
In 2028, Bajaj Housing Finance is poised for a larger jump as it taps into the refinancing market. Many seasoned borrowers are looking for lower rates, and the company’s refinance arm can capture that demand. The resulting 12‑percent revenue jump and the firm’s efficient cost structure point to an EPS of ₹8.4. Multiples of 15x and 16x consequentially keep the price target at ₹180 and ₹190, respectively.
2029
Looking ahead to 2029, the company will likely serve a marketplace where affordability drives demand. Its digital onboarding processes keep acquisition costs down, allowing the firm to raise its loan book by 11 percent. The expected EPS of ₹9.2, with a 15x multiple, brings the share price target between ₹200 and ₹210. A 16x multiple or higher EPS would push the value to the upper end of the range.
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2030
By 2030, the analysis suggests a strong market position. The government’s push for home‑ownership projects and the company’s existing relationships with developers give it an edge. EPS is forecast to rise to about ₹11.1, and applying a 15x multiple yields a share price target of ₹250. A 16x multiple pushes the ceiling to ₹270, reflecting confidence in sustained earnings growth.
Key take‑aways for investors:
1. Bajaj Housing Finance is grounded in steady asset quality and a solid net NPA ratio.
2. The company’s digital strategy helps keep customer acquisition low and speeds up loan approvals.
3. The planned price targets show consistent upside from 2026 onward, assuming the macro backdrop of low rates and housing‑sector demand remains intact.
4. A potential public listing would give investors access to a financially strong and well‑backed player in the housing‑finance niche.
What is Bajaj Housing Finance? The company offers home‑loans and loan‑against‑property (LAP) products. It has its roots in Bajaj Finance Limited, which is a well‑established non‑banking financial company in India. The subsidiary focuses on the retail housing segment and has grown thanks to its digital focus.
Is there any IPO plan for Bajaj Housing Finance? There are no confirmed dates or plans for an initial public offering yet. The parent company’s confidence and the firm’s robust financials could keep it on the radar for future listing opportunities.
Ownership of Bajaj Housing Finance remains within the Bajaj Group. The central holding is Bajaj Finance Limited, which controls most of the voting shares. This family‑controlled structure provides stability in management decisions.
In summary, Bajaj Housing Finance’s outlook through 2030 appears solid. The company’s growth is backed by a strong market environment, stable finances, and a robust support system from its parent group. The share price targets, anchored on realistic EPS projections and conservative multiples, suggest that investors looking for long‑term stability could view the firm favorably once a public listing materialises. The projected Bajaj Housing Finance share price target 2026‑2030 reflects steady expansion driven by rising loan demand, efficient risk practices, and brand trust.
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