Q3 FY22 Earnings Report

Executive summary - Bajaj Housing Finance Limited BAJAJ FINANCE LIMITED Bajaj Housing Finance Limited . A 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company Home Loans Loan Against Property • Rural • 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) • • • AUM of 49,203 crore as of 31 December 2021. Post tax profit of 185 crore for Q3FY22 Capital adequacy ratio (including Tier II capital) was 19.37% as of 31 December 2021 Offers home loans to salaried customers for an average ticket size of approximately 47 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 Currently present across 62 locations in India Home loan mix as of 31 Dec 21 - Salaried: Self Employed: Professionals stood at 88%: 7%: 5% Offers loan to mass affluent and above self-employed customers for an average ticket size of 56 lakhs Focused on offering customized propositions to both self employed and salaried customers directly as well as through channel partners Currently present across 20 locations in India 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 108 locations in India 30

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