• Anisha Satav
• Rohit Mourya
• Pankaj Mali
• H. R. Kulkarni
• Abhay Kand

The Indian housing finance sector has emerged as a critical driver of economic growth, financial inclusion, and urban development. Housing Finance Companies (HFCs) play a vital role in extending long-term credit for residential and commercial housing needs, complementing the banking system. Bajaj Housing Finance Limited (BHFL), a subsidiary of Bajaj Finance Limited, has rapidly established itself as a prominent player in this sector through its focus on secured lending, prudent risk management, and technology-driven operations. This research paper examines the structure, growth, and performance of the loans and advances portfolio of BHFL. Using secondary data from annual reports, regulatory publications, and industry studies, the paper analyzes portfolio composition, asset quality, growth trends, funding structure, and risk management practices. The findings reveal that BHFL has achieved sustainable growth supported by a diversified loan portfolio, low non-performing assets, and strong profitability. The study concludes with recommendations aimed at strengthening portfolio diversification, enhancing risk controls, and supporting long-term growth in line with India’s housing finance objectives.

Housing Finance, Loans and Advances, Asset Quality, NBFC-HFC, Bajaj Housing Finance

"A Study on Loans and Advances of Bajaj Housing Finance Limited", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.433-439, January-2026, Available :http://www.jetir.org/papers/JETIRHG06045.pdf

"A Study on Loans and Advances of Bajaj Housing Finance Limited", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. pp433-439, January-2026, Available at : http://www.jetir.org/papers/JETIRHG06045.pdf