{"id":303397,"date":"2026-10-13T09:19:57","date_gmt":"2026-10-13T03:49:57","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=303397"},"modified":"2026-10-13T09:19:57","modified_gmt":"2026-10-13T03:49:57","slug":"consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/","title":{"rendered":"3 Consumer, Vehicle and Affordable Housing Lender Stocks With a Strong Future Roadmap: Bajaj Finance, Sundaram Finance and Aadhar Housing Finance"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Bajaj Finance Rs 957.25, P\/E 28.77. Sundaram Finance Rs 4,182.00, P\/E 20.59. Aadhar Housing Finance Rs 441.20, P\/E 17.33. Closing prices of 12 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Consumer, vehicle and affordable housing lender stocks with the clearest long-term roadmaps today include Bajaj Finance in consumer, small business and mortgage lending, Sundaram Finance in vehicle finance with home finance and asset management interests and Aadhar Housing Finance in affordable home loans in smaller cities. FY26 revenue growth was 19.1% at Bajaj Finance, 15.3% at Sundaram Finance and 18.6% at Aadhar Housing Finance. P\/E stands at 28.77 for Bajaj Finance (industry 17.72), 20.59 for Sundaram Finance (industry 17.72) and 17.33 for Aadhar Housing Finance (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Consumer, vehicle and affordable housing lender stocks give investors exposure to loans that help households buy appliances, vehicles and homes. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three consumer, vehicle and affordable housing lender stocks: Bajaj Finance for consumer, small business and mortgage lending, Sundaram Finance for vehicle finance with home finance and asset management interests and Aadhar Housing Finance for affordable home loans in smaller cities. Every figure comes from the latest reported financials and the 12 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#What_Are_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\" title=\"What Are Consumer, Vehicle and Affordable Housing Lender Stocks?\">What Are Consumer, Vehicle and Affordable Housing Lender Stocks?<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_at_a_Glance\" title=\"Consumer, Vehicle and Affordable Housing Lender Stocks at a Glance\">Consumer, Vehicle and Affordable Housing Lender Stocks at a Glance<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Why_Do_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Consumer, Vehicle and Affordable Housing Lender Stocks Have a Strong Roadmap in India?\">Why Do Consumer, Vehicle and Affordable Housing Lender Stocks Have a Strong Roadmap in India?<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\" title=\"Bajaj Finance: Consumer and Business Lending Build the Next Leg\">Bajaj Finance: Consumer and Business Lending Build the Next Leg<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Sundaram_Finance_Vehicle_Finance_and_Group_Businesses_Drive_the_Pipeline\" title=\"Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline\">Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Aadhar_Housing_Finance_Affordable_Housing_Loans_Build_the_Next_Leg\" title=\"Aadhar Housing Finance: Affordable Housing Loans Build the Next Leg\">Aadhar Housing Finance: Affordable Housing Loans Build the Next Leg<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Best_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_in_India_Bajaj_Finance_vs_Sundaram_Finance_vs_Aadhar_Housing_Finance_on_Key_Financials\" title=\"Best Consumer, Vehicle and Affordable Housing Lender Stocks in India: Bajaj Finance vs Sundaram Finance vs Aadhar Housing Finance on Key Financials\">Best Consumer, Vehicle and Affordable Housing Lender Stocks in India: Bajaj Finance vs Sundaram Finance vs Aadhar Housing Finance on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#How_to_Evaluate_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Consumer, Vehicle and Affordable Housing Lender Stocks to Buy Before You Invest\">How to Evaluate Consumer, Vehicle and Affordable Housing Lender Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Risks_to_Consider_Before_Investing_in_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\" title=\"Risks to Consider Before Investing in Consumer, Vehicle and Affordable Housing Lender Stocks\">Risks to Consider Before Investing in Consumer, Vehicle and Affordable Housing Lender Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#FAQs_on_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\" title=\"FAQs on Consumer, Vehicle and Affordable Housing Lender Stocks\">FAQs on Consumer, Vehicle and Affordable Housing Lender Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Which_are_the_best_consumer_vehicle_and_affordable_housing_lender_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best consumer, vehicle and affordable housing lender stocks in India with a strong roadmap?\">Which are the best consumer, vehicle and affordable housing lender stocks in India with a strong roadmap?<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Is_Bajaj_Finance_a_good_stock_to_buy_now\" title=\"Is Bajaj Finance a good stock to buy now?\">Is Bajaj Finance a good stock to buy now?<\/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\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#What_is_the_PE_ratio_of_Bajaj_Finance_Sundaram_Finance_and_Aadhar_Housing_Finance\" title=\"What is the P\/E ratio of Bajaj Finance, Sundaram Finance and Aadhar Housing Finance?\">What is the P\/E ratio of Bajaj Finance, Sundaram Finance and Aadhar Housing Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Which_of_these_consumer_vehicle_and_affordable_housing_lender_stocks_has_the_highest_return_on_equity\" title=\"Which of these consumer, vehicle and affordable housing lender stocks has the highest return on equity?\">Which of these consumer, vehicle and affordable housing lender stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#What_are_the_risks_of_investing_in_consumer_vehicle_and_affordable_housing_lender_stocks\" title=\"What are the risks of investing in consumer, vehicle and affordable housing lender stocks?\">What are the risks of investing in consumer, vehicle and affordable housing lender stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#How_did_Bajaj_Finance_Sundaram_Finance_and_Aadhar_Housing_Finance_perform_in_Q1_FY27\" title=\"How did Bajaj Finance, Sundaram Finance and Aadhar Housing Finance perform in Q1 FY27?\">How did Bajaj Finance, Sundaram Finance and Aadhar Housing Finance perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#Do_consumer_vehicle_and_affordable_housing_lender_stocks_pay_dividends\" title=\"Do consumer, vehicle and affordable housing lender stocks pay dividends?\">Do consumer, vehicle and affordable housing lender stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/consumer-vehicle-and-affordable-housing-lender-stocks-forward-growth-shortlist\/#How_can_I_invest_in_consumer_vehicle_and_affordable_housing_lender_stocks_in_India\" title=\"How can I invest in consumer, vehicle and affordable housing lender stocks in India?\">How can I invest in consumer, vehicle and affordable housing lender stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\"><\/span><strong>What Are Consumer, Vehicle and Affordable Housing Lender Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consumer, vehicle and affordable housing lender stocks are shares of companies that lend to consumers, vehicle buyers and home buyers. Results depend on loan growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_at_a_Glance\"><\/span><strong>Consumer, Vehicle and Affordable Housing Lender Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three consumer, vehicle and affordable housing lender stocks as of the 12 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/bajfinance\/bajaj-finance-ltd-share-price-today\">Bajaj Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">957.25<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">593,956<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.77<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.68%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.82<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/sundarmfin\/sundaram-finance-ltd-share-price-today\">Sundaram Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,182.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">45,716<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.59<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.82%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.68<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aadharhfc\/aadhar-housing-finance-ltd-share-price-today\">Aadhar Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">441.20<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,778<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.33<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.53%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.49<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among lending stocks, Bajaj Finance and Sundaram Finance trade at a premium to the industry P\/E, while Aadhar Housing Finance trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Consumer, Vehicle and Affordable Housing Lender Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consumer, vehicle and affordable housing lender stocks have a strong roadmap in India because rising incomes, vehicle demand and a push for home ownership in smaller cities keep adding borrowers for large lenders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Consumer credit:<\/strong> More households finance purchases through formal lenders.<\/li>\n<li><strong>Vehicle demand:<\/strong> Commercial vehicle owners rely on trusted financiers.<\/li>\n<li><strong>Affordable homes:<\/strong> Smaller cities add new home loan customers.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\"><\/span><strong>Bajaj Finance: Consumer and Business Lending Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finance&#8217;s roadmap rests on consumer, small business and mortgage lending, along with a large customer base and a fast-growing digital platform, with cross-selling to existing customers supporting loan growth.<\/p>\n<p>Revenue grew from Rs 31,640.41 crore in FY22 to Rs 81,989.50 crore in FY26, a 159.1% rise, and FY26 revenue was 19.1% higher than FY25. FY26 net profit rose 15.2% to Rs 19,332.36 crore. Over four years, net profit rose from Rs 7,028.23 crore in FY22 to Rs 19,332.36 crore. In Q1 FY27, revenue grew 18.6% to Rs 23,166.42 crore, and net profit rose 27.6% to Rs 6,080.60 crore.<\/p>\n<p>Debt to equity is 3.82 and return on equity is 16.68%. Bajaj Finance paid a dividend of Rs 6 per share for FY26, a yield of 0.63%. At a P\/E of 28.77 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 28.77 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sundaram_Finance_Vehicle_Finance_and_Group_Businesses_Drive_the_Pipeline\"><\/span><strong>Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sundaram Finance&#8217;s roadmap rests on vehicle finance along with home finance, asset management and insurance interests, with a long-standing customer base supporting loan growth.<\/p>\n<p>Revenue grew from Rs 5,145.67 crore in FY22 to Rs 9,873.12 crore in FY26, a 91.9% rise, and FY26 revenue was 15.3% higher than FY25. FY26 net profit rose 10.6% to Rs 2,005.40 crore. Over four years, net profit rose from Rs 1,066.62 crore in FY22 to Rs 2,005.40 crore. In Q1 FY27, revenue grew 12.8% to Rs 2,653.34 crore, and net profit rose 38.1% to Rs 568.86 crore.<\/p>\n<p>Debt to equity is 4.68 and return on equity is 13.82%. Sundaram Finance paid a dividend of Rs 40 per share for FY26, a yield of 0.97%. At a P\/E of 20.59 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 20.59 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aadhar_Housing_Finance_Affordable_Housing_Loans_Build_the_Next_Leg\"><\/span><strong>Aadhar Housing Finance: Affordable Housing Loans Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aadhar Housing Finance&#8217;s roadmap rests on affordable home loans to low and middle income households, mostly in smaller cities, with rising home ownership supporting loan demand.<\/p>\n<p>Revenue grew from Rs 1,728.56 crore in FY22 to Rs 3,686.88 crore in FY26, a 113.3% rise, and FY26 revenue was 18.6% higher than FY25. FY26 net profit rose 20.2% to Rs 1,095.88 crore. Over four years, net profit rose from Rs 444.85 crore in FY22 to Rs 1,095.88 crore. In Q1 FY27, revenue grew 17.1% to Rs 997.19 crore, and net profit rose 19.0% to Rs 282.36 crore.<\/p>\n<p>Debt to equity is 2.49 and return on equity is 14.53%. At a P\/E of 17.33 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 17.33 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_in_India_Bajaj_Finance_vs_Sundaram_Finance_vs_Aadhar_Housing_Finance_on_Key_Financials\"><\/span><strong>Best Consumer, Vehicle and Affordable Housing Lender Stocks in India: Bajaj Finance vs Sundaram Finance vs Aadhar Housing Finance on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best consumer, vehicle and affordable housing lender stocks in India, Bajaj Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Sundaram Finance leads on Q1 FY27 net profit growth and dividend yield; Aadhar Housing Finance leads on FY26 net profit growth and the lowest P\/E. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Bajaj Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Sundaram Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aadhar Housing Finance<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">81,989.50<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,873.12<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,686.88<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,332.36<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,005.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,095.88<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">27.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">38.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.0%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.68%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.82%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.77<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.59<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.33<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.82<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.49<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.63%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.97%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Consumer, Vehicle and Affordable Housing Lender Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen consumer, vehicle and affordable housing lender stocks and shortlist consumer, vehicle and affordable housing lender stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check loan growth, asset quality and capital adequacy together.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch debt to equity and interest cover before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these consumer, vehicle and affordable housing lender stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\"><\/span><strong>Risks to Consider Before Investing in Consumer, Vehicle and Affordable Housing Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/li>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move spreads.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bajaj Finance, Sundaram Finance and Aadhar Housing Finance live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three lending stocks cover consumer loans, vehicle finance and affordable home loans. Bajaj Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Sundaram Finance leads on Q1 FY27 net profit growth and dividend yield; Aadhar Housing Finance leads on FY26 net profit growth and the lowest P\/E.<\/p>\n<p>Across consumer, vehicle and affordable housing lender stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the consumer, vehicle and affordable housing lender stocks to buy discussed here.<\/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. 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<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Consumer_Vehicle_and_Affordable_Housing_Lender_Stocks\"><\/span><strong>FAQs on Consumer, Vehicle and Affordable Housing Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_consumer_vehicle_and_affordable_housing_lender_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best consumer, vehicle and affordable housing lender stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance, Sundaram Finance and Aadhar Housing Finance stand out for their roadmaps in consumer loans, vehicle finance and affordable home loans. FY26 revenue growth was 19.1% at Bajaj Finance, 15.3% at Sundaram Finance and 18.6% at Aadhar Housing Finance, and return on equity ranges from 13.82% to 16.68%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bajaj_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is Bajaj Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance has a debt to equity ratio of 3.82, a return on equity of 16.68% and a P\/E of 28.77 against an industry P\/E of 17.72. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Bajaj_Finance_Sundaram_Finance_and_Aadhar_Housing_Finance\"><\/span><strong>What is the P\/E ratio of Bajaj Finance, Sundaram Finance and Aadhar Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 28.77 for Bajaj Finance (industry 17.72), 20.59 for Sundaram Finance (industry 17.72) and 17.33 for Aadhar Housing Finance (industry 17.72). Only Bajaj Finance and Sundaram Finance trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_consumer_vehicle_and_affordable_housing_lender_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these consumer, vehicle and affordable housing lender stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance has the highest return on equity at 16.68%, followed by Aadhar Housing Finance at 14.53% and Sundaram Finance at 13.82%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_consumer_vehicle_and_affordable_housing_lender_stocks\"><\/span><strong>What are the risks of investing in consumer, vehicle and affordable housing lender stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, asset quality, funding costs and quarterly trends. Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Bajaj_Finance_Sundaram_Finance_and_Aadhar_Housing_Finance_perform_in_Q1_FY27\"><\/span><strong>How did Bajaj Finance, Sundaram Finance and Aadhar Housing Finance perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance reported revenue of Rs 23,166.42 crore, up 18.6% year on year, and net profit rose 27.6% to Rs 6,080.60 crore. Sundaram Finance reported revenue of Rs 2,653.34 crore, up 12.8% year on year, and net profit rose 38.1% to Rs 568.86 crore. Aadhar Housing Finance reported revenue of Rs 997.19 crore, up 17.1% year on year, and net profit rose 19.0% to Rs 282.36 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_consumer_vehicle_and_affordable_housing_lender_stocks_pay_dividends\"><\/span><strong>Do consumer, vehicle and affordable housing lender stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance and Sundaram Finance pay dividends. The dividend yield is 0.63% for Bajaj Finance and 0.97% for Sundaram Finance, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_consumer_vehicle_and_affordable_housing_lender_stocks_in_India\"><\/span><strong>How can I invest in consumer, vehicle and affordable housing lender stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy consumer, vehicle and affordable housing lender stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best consumer, vehicle and affordable housing lender stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bajaj Finance, Sundaram Finance and Aadhar Housing Finance stand out for their roadmaps in consumer loans, vehicle finance and affordable home loans. 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The dividend yield is 0.63% for Bajaj Finance and 0.97% for Sundaram Finance, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in consumer, vehicle and affordable housing lender stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy consumer, vehicle and affordable housing lender stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finance, Sundaram Finance and Aadhar Housing Finance compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":303396,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10948,583,11461,10945,11462,11463],"class_list":["post-303397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aadhar-housing-finance","tag-bajaj-finance","tag-consumer","tag-sundaram-finance","tag-vehicle-and-affordable-housing-lender-stocks","tag-vehicle-and-affordable-housing-lender-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["303396"],"rank_math_title":["Consumer, Vehicle and Affordable Housing Lender Stocks"],"rank_math_description":["Consumer, vehicle and affordable housing lender stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["consumer, vehicle and affordable housing lender stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-consumer-vehicle-and-affordable-housing-lender-stocks-with-a-strong-future.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303397","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=303397"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303397\/revisions"}],"predecessor-version":[{"id":303398,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303397\/revisions\/303398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/303396"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=303397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=303397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=303397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}