Bajaj Finserv Financial Overview

Executive summary - Bajaj Housing Finance Limited Bajaj Housing Finance Limited B • A 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company BAJAJ FINSERV USD 1 INR 75 Offers full range of mortgage products such as home loans, loan against property and lease rental discounting to salaried & self employed customers. It also offers construction finance and inventory finance to credit worthy developers. • Focused on mass affluent and above customers (salaried and self employed) • AUM of $4,398 MM as of 30 June 2020 and a post tax profit of $ 12 MM for Q1 FY21 • Capital adequacy ratio (including Tier II capital) stood at 25.94% as of 30 June 2020 Home Loans Loan Against Property . • Offers home loans to salaried customers for an average ticket size of approximately $ 56,000 Focused on developing sales finance business by leveraging existing developer finance relationships and through tie-ups with new project launches Currently present across 32 locations in India Offers loan to mass affluent and above self employed customers for an average ticket size of approximately $ 64,000 Strategy is to sell LAP product to existing customers only via direct to customer channel • Currently present across 15 locations in India Rural • • Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of approximately $24,000 for home loans and $16,000 for loan against property Hub and spoke strategy through branch network and ASSC tie ups Currently present across 73 locations in India Back 23

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