On April 7, 2025, Bajaj Housing Finance Ltd. (BHFL) reported a significant increase in its Assets Under Management (AUM) for the fourth quarter of the fiscal year 2025 (Q4 FY25). The AUM rose by 26% year-on-year, reaching approximately ₹1.14 lakh crore as of March 31, 2025, compared to ₹91,370 crore a year earlier. This growth reflects the company's robust expansion in the housing finance sector.​

In addition to the AUM growth, BHFL's loan assets experienced a substantial increase, growing to ₹99,500 crore from ₹79,301 crore in the same period last year. This indicates a strong demand for the company's loan products and effective management strategies.​

Gross disbursements for Q4 FY25 were approximately ₹14,250 crore, up from ₹11,393 crore in Q4 FY24. This 25% increase highlights the company's ability to enhance its lending operations and meet the growing demand for housing finance.​

Despite these positive financial indicators, BHFL's stock faced a decline on April 7, 2025. The shares were trading at ₹115, marking a 4.87% decrease as of 12:30 pm. This decline occurred even in the face of strong quarterly performance, suggesting that external factors influenced investor sentiment.​

One such factor is the bearish market sentiment prevailing at the time, which can overshadow individual company performances. Additionally, the upcoming end of the shareholder lock-in period in April is a significant event for the company. According to Nuvama, over 64% of BHFL’s outstanding equity—approximately 529 crore shares—will become eligible for trade. While not all shares are expected to be sold, the unlocking could influence stock sentiment and contribute to the observed decline.​

BHFL's recent inclusion in the Nifty Next 50 index from March 28 has attracted net inflows worth up to $17 million, according to Nuvama Alternative & Quantitative Research. The company's initial public offering (IPO) in September 2024 was notably successful, with shares listing at a premium of over 100% compared to the issue price of ₹70 per share. The stock reached a post-listing high of ₹188 before experiencing a correction.​

In conclusion, while Bajaj Housing Finance Ltd. has demonstrated strong financial performance in Q4 FY25, external market factors and the anticipated end of the shareholder lock-in period have impacted its stock performance. Investors may need to consider these dynamics when evaluating the company's future prospects.

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