Investor Presentaiton

Stagewise ECL provisioning - Consolidated BAJAJ FINANCE LIMITED in Crore Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Two & Three Wheeler Finance 18,504 850 564 143 108 283 0.8% 12.7% 50.2% Urban Sales Finance 24,425 222 177 101 97 140 0.4% 43.6% 79.0% Urban B2C 59,916 927 803 671 356 526 1.1% 38.4% 65.5% Rural Sales Finance 6,161 32 43 20 17 34 0.3% 51.3% 79.6% Rural B2C 21,303 476 288 307 154 180 1.4% 32.4% 62.2% SME Lending 41,320 347 555 419 149 381 1.0% 42.8% 68.6% Loan Against Securities 19,206 9 2 11 0 0.1% 5.0% 11.2% Commercial Lending 20,665 9 62 36 1 27 0.2% 15.1% 44.0% Mortgages 93,420 541 469 391 98 257 0.4% 18.2% 54.8% Total as of 31 Dec 2023 3,04,920 3,413* 2,963 2,099 980 1,828 0.7% 28.7% 61.7% Total as of 30 Sep 2023 2,84,655 3,101 2,645 1,966 939 1,747 0.7% 30.3% 66.0% Total as of 31 Dec 2022 2,24,243 2,860 2,610 1,851 787 1,676 0.8% 27.5% 64.2% * Includes 71 Cr non overdue OTR assets classified as Stage 2 | ˆ Includes 14 Cr ECL provision on OTR assets 53 55

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