Q3 FY22 Earnings Report

Omnipresence strategy update Geography BAJAJ FINANCE LIMITED 1. Total geographic footprint stood at 3,423 locations and 1,28,300+ distribution points. In Q3, the Company added 94 new locations to its distribution footprint. The Company is investing deeply in UP and Bihar to reduce concentration risk and create new growth opportunities. Digital Platform 2. The current consumer app has 16.5 MM active customers as of 31 December 2021. 6 MM customers have transitioned to the new app as of now. 3. In Q3, the Company acquired 492K new EMI card customers digitally. Digital NTB EMI card CIF is now 1.3 MM. In Q3, digital NTB EMI card delivered 240K loans. 4. In Q3, EMI store visits were 44.8 MM. In Q3, Company booked 393K new loans from marketplace. EMI store currently hosts 27,917 SKUs across 23,250 merchants as of 31 December 2021. 5. The point-of-sale transformation delivered good volume momentum for personal loan and credit card distribution business. It is an integrated offline to online framework covering communication, call centre and fulfilment. In Q3, it delivered ₹599 crore in personal loans and 91.4K cards in credit card distribution business. Payments 6. The Company has 4.7 MM customers on its wallet as of 31 December 2021. In Q3, it added 2.6 MM wallets. 7. QR based P2M transaction functionality on track to go live by February 2022. 8. Payment Aggregator (PA) & Bharat Bill Pay Operating Unit (BBPOU) is pending regulatory approvals. 17

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