Bajaj Housing Finance Share Price Down 40% in Just 1 Year — Should You Buy, Sell, or Hold?

Wed Apr 01 2026

The Bajaj Housing Finance share is currently trading near 73 rupees, down over 40% in the past year. But the financial records of the company show otherwise. Bajaj Housing Finance has reported a net profit of ₹664.89 crore in a quarter, yet the company is trading near its 52-week low, leaving investors wondering what is actually going wrong in the company.

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Bajaj Housing Finance Share Price – Where Does It Stand Today

In March, Bajaj Housing Finance share price had a drop, nearly 15%, marking its worst month since listing on the stock market. The stock has been on a continuous fall for the past 5 months till March. The stock is currently trading below its Relative Strength Index, which is now at 19. The stock is currently rated in the oversold zone and trading below all its crucial moving averages.

Analysts have mixed reviews for the stock as of now, with 13 analysts having coverage over Bajaj Housing Finance; out of those, 6 have a “buy” rating, while the other 7 have “hold” or “sell” ratings.

3 Reasons Why Bajaj Housing Finance Share Price Kept Falling

1. Promoter Stake Sale Created an Oversupply: The oversupply trigger of the share price occurred in December 2025, when the promoters announced the intent to sell 2% of their stakes to meet SEBI regulations. Although this was a regulatory stake sale, the market struggled to absorb this. Resulting in a huge oversupply of the stock, creating constant pressure on its price.

2. Broader weakness in the Sector: Not only has Bajaj Housing Finance share has fallen in this period, but the entire housing finance sector has also faced pressure with India VIX hitting a 52-week high, indicating an increase in the volatility in the market across all segments. This created tension in the mid-cap segment, the same segment where Bajaj Housing Finance shares have fallen, and investors tend to move to safer options when the market becomes volatile.

3. Weak Technicals: Bajaj Housing Finance shares are currently moving below all its key moving averages. The stock has been signalling bearish from all its weekly and monthly levels. The stock currently has no technical support. Investors and institutions tend to sell the stock and put their money in moving counters. And this is exactly what is happening with the stock.

Should You Buy, Sell, or Hold Bajaj Housing Finance Share?

Buying, selling or holding Bajaj Housing Finance depends on the type of investor you are and your investing horizon. If you are a long-term investor, it could be a good time to buy the stock as the company has achieved a CAGR of 27.65% in operating profit, supported by 30% annual growth in net sales. If your investing horizon is 2-3 years, this could be a good opportunity to buy the stock near its IPO valuation.

If you have bought the share at higher values between 130-188, the current trend is not in your favour; the stock cannot get to those levels in the near term. If your time horizon does not allow you to hold the stock for more than 3 years, it would be better to sell the stock at these levels.

You can hold the stock if you bought it close to the levels of 70 rupees; you must still be marginally in the profit. With AUM growing 23% year on year to 1,33,412 crore, the business looks strong in the long term. You can hold it if you have a long-term horizon of 3+ years . And if you wanted to limit your loss, you can mark a stop loss according to your risk appetite.

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(This article is for informational purposes only and does not constitute investment advice. Consult a SEBI Registered Investment Advisor before making financial decisions.)

FAQs on Bajaj Housing Finance Share Price

What is the future target of the Bajaj Housing Finance share?

Short-term view (next 3 months): Mild recovery possible toward ₹85–₹86 if ₹75 holds. Long-term view (18–24 months): Fundamentals are decent, but technically it needs sustained strength above medium-term averages before turning convincingly bullish.

Is it good to buy Bajaj Housing Finance shares?

Not ideal for a fresh buy for the short term because of the weak technicals, although if you have a long-term view of 3-4 years, you can buy stocks at these levels.