Investor Presentaiton

Executive summary - Bajaj Finance Limited Overview • Focused on Urban, Rural, SME, Commercial and Payments businesses Consumer business . 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 $ 24,339 MM as of 30 June 2023 • · AUM mix as of 30 June 2023 - Urban Rural: SME: Commercial: Mortgage stood at 45% 13% 17% : 17% : 8% Profit after tax of $ 361 MM in Q1 FY24 : • Capital adequacy ratio (including Tier II capital) of 24.61% as of 30 June 2023. Tier I capital stood at 23.01% Present in 1,422 locations with 119.7K+ active distribution points of sale as of 31 March 2023 Largest consumer electronics, digital products & lifestyle products lender in India • 2-wheeler financing business disbursed 266.4K accounts in Q1 FY24 (growth of 78% YOY) 3-wheeler financing business disbursed 47.4K accounts in Q1 FY24 (growth of 179% YOY) · Amongst the largest personal loan lenders in India Payments • EMI Card franchise stood at 41.6 MM cards in force (CIF) as of 30 June 2023 Rural business • • • Co-branded credit card CIF stood at 3.67 MM as of 30 June 2023 Digital app platform has 40.2 MM net users as of 30 June 2023 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 2,406 towns and villages with 39.8K+ active distribution points of sale as of 30 June 2023 24

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