Strategic Differentiators

Bajaj Housing Finance focuses on building a scalable balance sheet with Prime Housing and Lease Rental Discounting as Anchor Products, acting as scale builders.

The Company focuses on delivering a low-risk business model, complemented by robust underwriting and risk management practices, with Prime Housing and Lease Rental Discounting as Anchor Products.

We offer a balanced portfolio mix between products, customer categories, and segmentation, delivering a reasonable return.

The Company offers all mortgage products to all customer categories across all transaction types and segments (Prime and Non-prime).

Bajaj Housing Finance offers a diversified borrowing mix between Banks, Money market, and NHB, with a focus on longer tenor borrowings to support longer tenor lending.