Investor Presentaiton

Executive summary - Bajaj Housing Finance Ltd. BAJAJ FINANCE LIMITED Bajaj Housing Finance Limited • A 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company • Independent organization design having all dedicated functions and units to drive domain expertise, scalability and operating leverage • 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) Home Loans Loan Against Property • • • • Capital adequacy ratio (including Tier II capital) was 19.72% as of 31 March 2022 AUM of 53,322 crore as of 31 March 2022. Post tax profit of 710 crore for FY22 Offers home loans to salaried customers for an average ticket size of approximately 49 lakhs Focused on originating home loans at developer points - B2B home loans business Focused on enabling customers to buy homes along with balance transfer proposition directly as well as through channel partners Currently present across 58 locations in India Home loan mix as of 31 March 2022 - Salaried: Self Employed: Professionals stood at 91%: 4%: 5% Offers loan to mass affluent and above self-employed customers for an average ticket size of 57 lakhs Focused on offering customized propositions to both self employed and salaried customers directly as well as through channel partners · Currently present across 26 locations in India Rural • • Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of approximately 18 lakhs for home loans and 13 lakhs for loan against property Hub and spoke strategy through branch network and ASSC tie ups Currently present across 109 locations in India 28

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