Investor Presentaiton

Executive summary – Bajaj Finance • Focused on Urban, Rural, SME, Commercial and Payments businesses BAJAJ FINANCE LIMITED Overview • • • • Strategic business unit organization design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage Focused on cross sell, customer experience and product & process innovations to create a differentiated & profitable business model AUM of 2,32,040 crore as of 31 December 2023 AUM mix as of 31 December 2023 - Urban : Rural : SME: Commercial: Mortgage stood at 45% : 12% : 18% : 16% : 9% Profit after tax of 3,177 crore in Q3 FY24 Capital adequacy ratio (including Tier II capital) of 23.87% as of 31 December 2023. Tier I capital stood at 22.80% Present in 1,538 locations with 134.7K+ active distribution points of sale as of 31 December 2023 • Largest consumer electronics, digital products & lifestyle products lender in India Consumer business • 2-wheeler financing business disbursed 376.6K accounts in Q3 FY24 (growth of 44% YOY) Payments . 3-wheeler financing business disbursed 59.2K accounts in Q3 FY24 (growth of 44% YOY) . Amongst the largest personal loan lenders in India • • EMI Card franchise stood at 42.2 MM cards in force (CIF) as of 31 December 2023 Co-branded credit card CIF stood at 3.98 MM as of 31 December 2023 Rural business • Digital app platform has 49.19 MM net users as of 31 December 2023 Highly diversified lender in rural markets offering 10 loan products across consumer and SME business categories Operates with a unique hub and spoke business model Present in 2,554 towns and villages with 46.3K+ active distribution points of sale as of 31 December 2023 26

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