BHFL Strengths and Mortgage Products Overview

B2C Home Loans Verticals B BAJAJ FINSERV 69% B2B 31% 15% Contribution 5 7-8 B 雨 Appx. 67-70% customers are having prior relationship with Bajaj Data-analytics based offer generation approach for better Customer sourcing on digital channels across Bajaj Finserv assets risk mgmt. Markets Micro-Market approach basis customer spread Years Behaviouralized maturity of loan BHFL caters to majorly Elite A+/A category developers 4-5 Years Behaviouralized maturity of loan La Дос Higher profitability in B2C channel driven by ability to cross-sell 404 Combination of field and regional underwriting processes for balancing TAT and Risk Continue to leverage the 46 Mn+ existing customer base to grow as well as add distribution network as a new funnel Focused on DF funded projects for scale, relationship and risk mitigation Build large array of partners to build scale going ahead Only defined, selected, risk-approved projects allowed for sourcing Focus on the huge market opportunity in B2B to provide exponential growth. Less risky and highly stable portfolio 17

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