Home Loans and Financial Growth Strategies

Home Loans Verticals B2C 54% B Appx. 45-50% customers are having prior relationship with Bajaj 阻 Data-analytics based offer generation approach for better risk management 11% Contribution Customer sourcing on digital channels across Bajaj Finserv assets 5 Markets Micro-Market approach basis customer spread 4-5 Years La Дос 404 B2B 7-8 Years Behaviouralized maturity of loan B FINSERV BAJAJ 46% BHFL caters to majorly Elite, A+, A category developers Behaviouralized maturity of loan Higher profitability in B2C channel driven by ability to cross-sell Combination of field and regional underwriting processes for balancing TAT and Risk Continue to leverage the vast existing customer base to grow and expand distribution network as an additional funnel Focused on DF funded projects for scale, relationship and risk mitigation Build large array of partners to build scale going ahead Only defined, selected, risk- approved projects allowed for sourcing Focus on the huge market opportunity in B2B to provide exponential growth. Less risky and highly stable portfolio 25 25

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