LRS 2023-27 Execution Plan

Executive summary - Bajaj Housing Finance Ltd. BAJAJ FINANCE LIMITED Lease Rental Discounting (LRD) • Offers LRD to high net-worth individuals and developers against commercial property leased to corporate lessees • Offers construction finance for commercial properties to existing LRD customers • LRD transactions are backed by rentals through escrow mechanism Developer Financing • Credit Quality Treasury • • Offers LRD from 10 crore to 550 crore · Present in 12 locations as of 31 December 2022 Offers construction finance and inventory finance mainly to category A and A+ developers in India Offers developer financing from 5 crore to ₹ 500 crore Present in 11 locations as of 31 December 2022 . • GNPA and NNPA as of 31 December 2022 stood at 0.23% and 0.10% respectively Strategy is to create a balanced and sustained mix of borrowings Borrowings stood at 51,977 crore with a mix of 51% : 35%: 13% : 1% between banks : money markets: assignment: ICD as of 31 December 2022 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 Regulated by • Reserve Bank of India . Supervised by National Housing Bank Securities and Exchange Board of India 59 39

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