{"id":184856,"date":"2026-08-05T10:13:30","date_gmt":"2026-08-05T04:43:30","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=184856"},"modified":"2026-08-05T10:13:32","modified_gmt":"2026-08-05T04:43:32","slug":"bajaj-housing-finance-vs-lic-housing-finance-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/","title":{"rendered":"Bajaj Housing Finance vs LIC Housing Finance: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Bajaj Housing Finance MCap Rs 72,350 Cr, PE 26.88x, ROE 11.37%. LIC Housing Finance MCap Rs 28,350 Cr, PE 4.94x, ROE 13.53%, D\/E 6.70.<\/em><\/p>\n<p>Bajaj Housing Finance vs LIC Housing Finance is a comparison housing finance investors look up when evaluating a new-era fintech-backed lender against a decades-old public sector insurer-backed institution. Bajaj Housing Finance is the mortgage subsidiary of Bajaj Finance and listed separately in September 2024, while LIC Housing Finance has been lending against property since 1989 and is majority owned by LIC of India.<\/p>\n<p>This Bajaj Housing Finance vs LIC Housing Finance article covers reach and market position, key products, latest declared results and stock valuation. The Bajaj Housing Finance vs LIC Housing Finance data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Reach_and_Market_Position\" title=\"Bajaj Housing Finance vs LIC Housing Finance: Reach and Market Position\">Bajaj Housing Finance vs LIC Housing Finance: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Key_Products_and_Business_Mix\" title=\"Bajaj Housing Finance vs LIC Housing Finance: Key Products and Business Mix\">Bajaj Housing Finance vs LIC Housing Finance: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Latest_Results\" title=\"Bajaj Housing Finance vs LIC Housing Finance: Latest Results\">Bajaj Housing Finance vs LIC Housing Finance: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Stock_and_Valuation\" title=\"Bajaj Housing Finance vs LIC Housing Finance: Stock and Valuation\">Bajaj Housing Finance vs LIC Housing Finance: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Quick_Comparison_Table\" title=\"Bajaj Housing Finance vs LIC Housing Finance: Quick Comparison Table\">Bajaj Housing Finance vs LIC Housing Finance: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#What_is_the_main_difference_between_Bajaj_Housing_Finance_and_LIC_Housing_Finance\" title=\"What is the main difference between Bajaj Housing Finance and LIC Housing Finance?\">What is the main difference between Bajaj Housing Finance and LIC Housing Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Does_LIC_Housing_Finance_trade_below_book_value\" title=\"Does LIC Housing Finance trade below book value?\">Does LIC Housing Finance trade below book value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Which_company_has_the_higher_ROE\" title=\"Which company has the higher ROE?\">Which company has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#When_did_Bajaj_Housing_Finance_list_on_the_stock_exchange\" title=\"When did Bajaj Housing Finance list on the stock exchange?\">When did Bajaj Housing Finance list on the stock exchange?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#What_risks_apply_to_housing_finance_companies\" title=\"What risks apply to housing finance companies?\">What risks apply to housing finance companies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-housing-finance-vs-lic-housing-finance-comparison\/#Should_I_invest_in_Bajaj_Housing_Finance_or_LIC_Housing_Finance\" title=\"Should I invest in Bajaj Housing Finance or LIC Housing Finance?\">Should I invest in Bajaj Housing Finance or LIC Housing Finance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Reach_and_Market_Position\"><\/span><strong>Bajaj Housing Finance vs LIC Housing Finance: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Bajaj Housing Finance side of the Bajaj Housing Finance vs LIC Housing Finance comparison, Bajaj Housing Finance distributes mortgage loans through the Bajaj Finance distribution network, including over 3,800 locations across India. Its IPO in September 2024 was among the largest in the housing finance space. Market capitalisation is Rs 72,350 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=bajajhfl-vs-lichsgfin\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the LIC Housing Finance side of the Bajaj Housing Finance vs LIC Housing Finance comparison, LIC Housing Finance distributes through a network of over 250 offices and bancassurance tie-ups via LIC of India&#8217;s agent network, serving salaried and self-employed borrowers. Market capitalisation is Rs 28,350 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Key_Products_and_Business_Mix\"><\/span><strong>Bajaj Housing Finance vs LIC Housing Finance: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Bajaj Housing Finance vs LIC Housing Finance product comparison, Bajaj Housing Finance offers: Bajaj Housing Finance offers home loans, loan against property and lease rental discounting, leveraging Bajaj Finance&#8217;s technology infrastructure. P\/E is 26.88x, ROE 11.37 percent and debt to equity 4.60.<\/p>\n<p>For LIC Housing Finance in this Bajaj Housing Finance vs LIC Housing Finance breakdown: LIC Housing Finance offers home loans, land loans and loan against property. It is one of India&#8217;s oldest and largest housing finance companies by loan book. P\/E is 4.94x, ROE 13.53 percent and debt to equity 6.70.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Latest_Results\"><\/span><strong>Bajaj Housing Finance vs LIC Housing Finance: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bajaj Housing Finance vs LIC Housing Finance results for Bajaj Housing Finance: Bajaj Housing Finance has a market cap of Rs 72,350 Cr and P\/E of 26.88x. The company has limited historical financial statement data available in public filings given it was listed in September 2024. ROE is 11.37 percent.<\/p>\n<p>The Bajaj Housing Finance vs LIC Housing Finance results for LIC Housing Finance: LIC Housing Finance has a market cap of Rs 28,350 Cr and P\/E of 4.94x. ROE is 13.53 percent. The stock trades at a price to book of 0.68 and has paid a dividend yield of 1.94 percent. EPS on a trailing twelve month basis is Rs 104.34.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Bajaj Housing Finance and LIC Housing Finance Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Stock_and_Valuation\"><\/span><strong>Bajaj Housing Finance vs LIC Housing Finance: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bajaj Housing Finance vs LIC Housing Finance stock comparison uses the latest available market data from Groww. Investors tracking Bajaj Housing Finance vs LIC Housing Finance should verify current prices on NSE or BSE before trading.<\/p>\n<p>Bajaj Housing Finance trades at a market cap of Rs 72,350 Cr and P\/E of 26.88x \u2014 a significant premium to LIC Housing Finance. LIC Housing Finance trades at a market cap of Rs 28,350 Cr and P\/E of 4.94x, also trading below book value at 0.68 price to book. LIC Housing Finance delivers a higher ROE of 13.53 percent versus Bajaj Housing Finance at 11.37 percent, yet at a fraction of the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Finance_vs_LIC_Housing_Finance_Quick_Comparison_Table\"><\/span><strong>Bajaj Housing Finance vs LIC Housing Finance: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bajaj Housing Finance vs LIC Housing Finance comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/bajajhfl\/bajaj-housing-finance-ltd-share-price-today\">Bajaj Housing Finance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Housing finance<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Housing finance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 72,350 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 28,350 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">26.88x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">4.94x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.37%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">13.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">4.60<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">6.70<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.21<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.68<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Promoter<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Bajaj Finance subsidiary<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">LIC of India majority owned<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bajaj Housing Finance vs LIC Housing Finance comparison above covers the key data points on reach, products, results and valuation. Bajaj Housing Finance vs LIC Housing Finance present two contrasting valuation and ownership profiles within housing finance. Bajaj Housing Finance commands a premium on anticipated growth and brand, while LIC Housing Finance trades at a deep value multiple with a higher ROE. Investors should review each company&#8217;s loan book quality and growth trajectory and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bajaj Housing Finance and LIC Housing Finance live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Bajaj_Housing_Finance_and_LIC_Housing_Finance\"><\/span><strong>What is the main difference between Bajaj Housing Finance and LIC Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Housing Finance is the mortgage arm of Bajaj Finance, listed in 2024, with a technology-first distribution model. LIC Housing Finance is a 35-year-old government-backed housing finance company majority owned by LIC of India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance trades at 4.94x trailing earnings, far cheaper than Bajaj Housing Finance at 26.88x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_LIC_Housing_Finance_trade_below_book_value\"><\/span><strong>Does LIC Housing Finance trade below book value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. LIC Housing Finance trades at a price to book of 0.68, below its book value of Rs 753 per share.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_the_higher_ROE\"><\/span><strong>Which company has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance has an ROE of 13.53 percent, above Bajaj Housing Finance at 11.37 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_did_Bajaj_Housing_Finance_list_on_the_stock_exchange\"><\/span><strong>When did Bajaj Housing Finance list on the stock exchange?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Housing Finance listed on NSE and BSE in September 2024 through one of India&#8217;s larger housing finance IPOs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_housing_finance_companies\"><\/span><strong>What risks apply to housing finance companies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both companies face risk from interest rate cycles affecting net interest margins, competition from banks, and any deterioration in home loan asset quality.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Bajaj_Housing_Finance_or_LIC_Housing_Finance\"><\/span><strong>Should I invest in Bajaj Housing Finance or LIC Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This depends on your preference between growth-premium valuation versus deep-value exposure to a legacy institution. Review loan book quality and consult a SEBI-registered advisor before investing.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Housing Finance vs LIC Housing Finance compared on AUM, loan book, ROE and valuation. 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