Q3 FY22 Earnings Report

Executive summary - Consolidated Overview • 34-year-old non-bank with a demonstrated track record of profitable grow th BAJAJ FINANCE LIMITED Diversified financial services company focused on Consumer, Rural, SME, Commercial, Mortgages and Payments Focused on mass affluent client with a strategy to cross sell Strong focus on deposits acceptance and fee product distribution Present in 3,423 locations with over 128.3K+ point of sale Customer franchise of 55.36 MM as of 31 December 2021 • Amongst the largest new loan acquirers in the country (7.44 MM in Q3 FY22) . AUM mix as of 31 December 2021 - Consumer: Rural: SME: Commercial: Mortgages stood at 34% 10% 13% : 11% : 32% • . AUM of ₹ 1,81,250 crore as of 31 December 2021 and post tax profit of 2,125 crore in Q3 FY22 Capital adequacy ratio (including Tier II capital) of 26.96% as of 31 December 2021. Tier I capital stood at 24.44% Subsidiaries • 100% shareholding in Bajaj Housing Finance Limited • 100% shareholding in Bajaj Financial Securities Limited. Treasury • Credit Quality • • Strategy is to create a balanced mix of wholesale and retail borrowings Borrowings of ₹1,54,041 crore with a mix of 47% : 29% : 20% 4% between money markets, banks, deposits & ECB as of 31 December 2021 Consolidated Gross and Net NPA as of 31 December 2021 stood at 1.73% and 0.78% respectively Provisioning coverage ratio as of 31 December 2021 was 56% Provisioning coverage on stage 1 & 2 stood at 156 bps as of 31 December 2021 27

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