Bajaj Finance Limited Pitch Deck
Provisioning Coverage - Consolidated
BAJAJ FINANCE LIMITED
Values in MM
USD 1 - INR 75
AUM
PCR
GNPA %
NNPA %
Particulars
31 Mar 22 GNPA NNPA (%)
30 Sep 21
31 Dec 21
31 Mar 22
30 Sep 21
31 Dec 21
31 Mar 22
Auto Finance Business
1,359
165
83
50%
16.00%
11.04%
11.01%
9.25%
5.84%
5.83%
Sales Finance Business
1,997
58
27
54%
0.64%
0.30%
2.81%*
0.13%
0.06%
1.32%*
Consumer B2C Business
5,170
48
12
75%
2.11%
1.33%
0.95%
0.54%
0.34%
0.24%
Rural Sales Finance Business
551
1
84%
1.09%
0.24%
0.16%
0.21%
0.05%
0.02%
Rural B2C Business
2,040
25*
**
8*
**
69%**
3.09%
2.55%
1.19%**
1.28%
1.42%
0.37%**
SME Lending Business
3,331
49
12
75%
1.69%
1.39%
1.43%
0.43%
0.35%
0.36%
Securities Lending Business
2,120
18%
0.02%
0.06%
0.01%
0.02%
0.05%
0.01%
Commercial Lending Business
1,533
6
3
53%
0.45%
0.42%
0.38%
0.29%
0.26%
0.18%
Mortgages Business
8,226
66
31
53%
0.97%
0.95%
0.86%
0.59%
0.52%
0.40%
Total
26,327
418
175
58%
2.45%
1.73%
1.60%
1.10%
0.78%
0.68%
*
In Q4, GNPA & NNPA for Sales Finance business is elevated on account of one large commercial B2B account. Adjusted for it, GNPA & NNPA are 0.25% & 0.05%
**Includes Gold loan GNPA of $ 2.1 MM and NNPA of $ 2.0 MM. Net of Gold loan, the GNPA, NNPA and PCR are 1.25%, 0.32% and 75%
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