LRS 2023-27 Execution Plan

Strategic construct - 5 blocks of strategy Products (12) Be amongst the top 5 players in each product line Megatrends - Pre-owned, UPI as Open architecture New Product Lines- Auto, MFI, Tractor, CV, Emerging corporate New Product Innovations - B2B on QR, B2B on EDC, Bajaj+, Flexi on QR, Insta PL card 3 Platforms (10) Dominate all platforms of consumer presence & generate 50% of business from digital platforms Megatrends - Social & Reward platforms Consumer App - Hyper personalization, AR, CX Consumer Web - Discoverability, CX, Video, Vernacular Marketplace - Bajaj Mall 2.0 ⑤Subsidiaries Grow and dominate in their respective industries Leverage BFL platforms and customer franchise to originate Mortgages and broking accounts for subsidiaries. Contribute 12-15% of retail mortgages and 20-25% of broking accounts BAJAJ FINANCE LIMITED 2 Geography (3) UTEŤ B BAJAJ FINSERV वहाँ Asia के सारे products BAJAJ B FINSERV Megatrends - Win U.P, Bihar and North East Domestic - Geography 2.0, All products in all locations 4 Horizontal functions (9) Pursue operational excellence and deliver robust controls and compliance Megatrends - Account Aggregator, data privacy Risk - Know everyone DMS - readiness for 6 MM receipts per month Operations - STP across all products Service - FPC, self-service Technology - Consumerization of technology stack Treasury - Diversified liability profile 22

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