Investor Presentaiton

Stagewise ECL provisioning - Consolidated BAJAJ FINANCE LIMITED Values in MM | USD 1 - INR 82 Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Two & Three Wheeler Finance 1,711 83 72 17 17 37 1.0% 20.1% 50.8% Urban Sales Finance 2,723 23 10 15 11 8 0.6% 46.3% 79.2% Urban B2C 6,482 111 62 76 45 47 1.2% 40.0% 75.0% Rural Sales Finance 679 5 2 3 3 2 0.4% 53.5% 79.7% Rural B2C 2,454 64 24 31 22 17 1.3% 34.3% 70.4% SME Lending 4,262 35 52 45 17 39 1.0% 47.8% 75.2% Loan Against Securities 1,980 1 0 1 0 I 0.1% 4.9% 11.0% Commercial Lending 2,201 3 5 4 1 2 0.2% 17.8% 47.1% Mortgages 9,731 75 58 50 16 34 0.5% 21.9% 58.3% Total as of 30 Jun 2023 32,224 401* 286 242 130 185 0.75% 32.5% 64.8% Total as of 31 Mar 2023 29,426 370 282 239 114 180 0.8% 30.8% 63.8% Total as of 30 Jun 2022 23,946 435 310 191 125 185 0.8% 28.7% 59.9% * Includes $ 14 MM non overdue OTR assets classified as Stage 2 |ˆ Includes $ 3 MM ECL provision on OTR assets 49

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