Bajaj Housing Finance Shares See Uptick as Lock-In Period Concludes

Bajaj Housing Finance Ltd., a Bajaj Finance Ltd. subsidiary, saw its shares move higher on Tuesday, 15th April 2025, after the end of its one-year lock-in period for shareholders. The stock moved up to as much as 3.5% intraday, hitting a high of ₹ 123.3. At the BSE, the stock moved even higher, hitting an intraday high of ₹ 125.35, a rise of 5.02%.

Lock‑in Expiry Frees Up 529.1 Crore Shares

The expiry of the lock-in period has unlocked a huge 529.1 crore equity shares for trading, which is 64% of the firm's outstanding equity. This major release of such a large number of shares available for trading is a dominant factor in the stock activity. Analysts at Nuvama Alternative & Quantitative Research, however, pointed out that even though these shares are now available for trading, it does not necessarily mean that all will be sold in the open market.

Promoters Continue to Hold 88.75% Stake

Notwithstanding this turn of events, the Bajaj Housing Finance promoters still maintain a large 88.75% holding in the firm as of the 31st December quarter 2024. The balance 11.25% holding belongs to public shareholders.

Robust Q4 Performance: 25% Rise in Profit and AUM

On the financial performance front over the recent period, Bajaj Housing Finance saw its net profit rise by 25% to ₹ 548 crore for the December 2024 quarter, compared to ₹ 437 crore in the same period a year ago. The company's disbursements during the March 2025 quarter increased 25% year-on-year, and its loan book increased to ₹ 99,500 crore, demonstrating a comparable growth. Bajaj Housing Finance's Assets Under Management (AUM) likewise recorded a solid growth of 25.5% to ₹ 1.14 lakh crore, with the securitisation book jumping by almost 26% for the same quarter.

Analyst Ratings Split: Sell, Buy and Hold Views

Sentiment among analysts toward Bajaj Housing Finance remains mixed. From the nine analyst coverages of the stock, five have a "sell" ranking, three others have a "buy" call, and a single analyst gives a "hold" suggestion.

Share Price: Above IPO Level, Below All‑Time High

The trading price of Bajaj Housing Finance stock is currently below its post-listing high of ₹ 188 but still above its initial public offering (IPO) price of ₹ 70 per share. On Tuesday morning, the performance of the stock was better than the overall market, as Bajaj Housing Finance shares were trading 3.77% higher when the SENSEX was up by 1.99% at 9:17 a.m.

Increased Liquidity’s Long‑Term Market Impact

This development is a big event for Bajaj Housing Finance as a major part of its shares comes into the trading pool. The market response, though upbeat in the intraday, will be watched anxiously to quantify the lasting effect of this added liquidity, especially considering the varied analyst view on the stock's direction going forward.

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