Bajaj Finserv Financial Performance Q1 FY21

Executive summary - Bajaj Housing Finance Limited Bajaj Housing Finance Limited BAJAJ B FINSERV • A 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company Offers full range of mortgage products such as home loans, loan against property and lease rental discounting to salaried & self employed customers. It also offers construction finance and inventory finance to credit worthy developers • Focused on mass affluent and above customers (salaried and self employed) • AUM of 32,982 crore as of 30 June 2020 and a post tax profit of 92 crore for Q1 FY21 • Capital adequacy ratio (including Tier II capital) stood at 25.94% as of 30 June 2020 Home Loans Loan Against Property . • Offers home loans to salaried customers for an average ticket size of approximately 42 lakhs Focused on developing sales finance business by leveraging existing developer finance relationships and through tie-ups with new project launches Currently present across 32 locations in India Offers loan to mass affluent and above self employed customers for an average ticket size of approximately 48 lakhs Strategy is to sell LAP product to existing customers only via direct to customer channel • Currently present across 15 locations in India Rural • • Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of approximately 18 lakhs for home loans and 12 lakhs for loan against property Hub and spoke strategy through branch network and ASSC tie ups Currently present across 73 locations in India Back 23

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