However, the higher yields and superior net interest margins (NIMs) from these loans are expected to offset the increase in credit costs, according to Avinash Singh of Emkay Global. Post-listing, Bajaj Finance will no longer benefit from the risk diversification provided by Bajaj Housing Finance, potentially leading to marginally higher GS3/NS3 metrics for the standalone entity. Jignesh Shial of InCred Equities noted that Bajaj Finance's strong management, promoter support, and consistent growth quality justify its premium valuation, which is expected to apply to Bajaj Housing Finance as well. Read more here