Investor Presentaiton

- Executive summary – Bajaj Finance Limited Overview • Focused on Consumer, Rural, SME, Commercial and Payments businesses • • • • BAJAJ FINANCE LIMITED Strategic business unit organization design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage Focused on cross sell, customer experience and product & process innovations to create a differentiated & profitable business model AUM of 1,46,743 crore as of 31 March 2022 AUM mix as of 31 March 2022 - Consumer: Rural: SME: Commercial: Mortgage stood at 43% 13% 17% : 18% : 9% Post tax profit of 2,268 crore in Q4 FY22 . Capital adequacy ratio (including Tier II capital) of 27.22% as of 31 March 2022. Tier I capital stood at 24.75% Consumer business Payments Rural business . • · • • • . Present in 1,368 locations with 95.9K+ active distribution points of sale as of 31 March 2022 Largest consumer electronics, digital products & lifestyle products lender in India 2-wheeler financing business disbursed 135.4K accounts in the quarter (de-growth of 16% YOY) 3-wheeler financing business disbursed 20.6K accounts in the quarter (de-growth of 3% YOY) Amongst the largest personal loan lenders in India EMI Card franchise stood at 30 MM cards in force (CIF) as of 31 March 2022 Bajaj Finserv - RBL Bank co-branded credit card CIF stood at 2.75 MM as of 31 March 2022 Bajaj Finserv Mobikwik app has 22.07 MM users as of 31 March 2022 who have linked their EMI card to the wallet Digital app platform has 19.14 MM active users as of 31 March 2022 Highly diversified lender in rural markets offering 10 loan products across consumer and SME business categories Operates with a unique hub and spoke business model. Present in 2,136 towns and villages with 29.8K+ active distribution points of sale as of 31 March 2022 26

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