Executive Summary Q3 FY21

- Executive summary – Bajaj Housing Finance Limited Lease Rental Discounting • B BAJAJ FINSERV Offers loan against lease rentals to high net worth individuals and developers on commercial property leased mainly to corporate tenants • All lease rental discounting transactions are backed by rentals through escrow mechanism · Ticket size of lease rental discounting ranges from 5 - 200 crore with an average ticket size of approximately 25 crore • Currently present across 8 locations in India (Mumbai, Delhi, Bangalore, Pune, Ahmedabad, Chennai, Kolkata and Hyderabad) Developer Financing • Offers construction finance and inventory finance mainly to category A and A+ developers in India • Average ticket size ranges between 15 - 35 crore • Currently present in 8 locations (Mumbai, Bangalore, Pune, Ahmedabad, Chennai, Kolkata, Hyderabad and Surat) Credit Quality ● Gross NPA and Net NPA, recognized as per extant NHB prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS, as of 31 Dec 2020 stood at 0.06% and 0.03% respectively Treasury • Strategy is to create a balanced and sustained mix of borrowings · Borrowings stood at 26,694 crore with a mix of 66: 34 between banks and money markets as of 31 Dec 2020 Credit Rating • Credit rating for long term borrowing is AAA/Stable by CRISIL & IND AAA/Stable by India Ratings Credit rating for short term borrowing is A1+ by CRISIL & IND A1+ by India Ratings 24

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