Q3 FY22 Earnings Report

Key strategic differentiators Part of the Bajaj group - one of the oldest & most respected business houses BAJAJ FINANCE LIMITED A trusted brand with strong brand equity Focus on mass affluent and above clients Total customer franchise of 55.36 MM Strong focus on cross selling assets, payments, insurance and deposit products to existing customers A well diversified balance sheet Highly agile & innovative Deep investment in technology and analytics Centre of Excellence for each business vertical to bring efficiencies across businesses and improve cross sell opportunity Consolidated lending AUM mix for Consumer: Rural: SME: Commercial: Mortgages stood at 34% 10% 13% 11% 32% Consolidated borrowing mix for Money Markets :Banks: Deposits: ECB stood at 47% 29% 20% : 4% Continuous improvements in product features and digital technologies to maintain competitive edge. Has helped achieve multi product cross sell and manage risk & controllership effectively. Obsessed to deliver frictionless experience to customer 23

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