Investor Presentaiton

Executive summary - Consolidated Overview ⚫ 34-year-old non-bank with a demonstrated track record of profitable growth Subsidiaries Treasury . Credit Quality . BAJAJ FINANCE LIMITED USD 1 = 74 INR ⚫ Diversified financial services company focused on Consumer, Rural, SME, Commercial, Mortgages and Payments Focused on mass affluent client with a strategy to cross sell • Strong focus on deposits acceptance and fee product distribution Present in 2,988 locations with over 110 K+ point of sale . Customer franchise of 48.57 MM . Amongst the largest new loan acquirers in India (5.47 MM in Q4 FY21) AUM mix as of 31 March 2021 - Consumer: Rural: SME: Commercial: Mortgages stood at 36%: 10%: 13%: 9%: 32% AUM of $20,669 MM as of 31 March 2021 and post tax profit of $597 MM in FY21 Capital adequacy ratio (including Tier II capital) of 28.34% as of 31 March 2021. Tier I capital stood at 25.10% • 100% shareholding in Bajaj Housing Finance Limited • 100% shareholding in Bajaj Financial Securities Limited • Strategy is to create a balanced mix of wholesale and retail borrowings Borrowings of $17,790 MM with a mix of 44%:32%:4%:20% between money markets, banks, deposits & ECB as of 31 March 2021 • Consolidated Gross and Net NPA as of 31 March 2021 stood at 1.79% and 0.75% respectively Provisioning coverage ratio as of 31 March 2021 was 58% Provisioning coverage on stage 1 & 2 stood at 181 bps as of 31 March 2021 versus 190 bps as of 31 December 2020. 21

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