Investor Presentaiton

Portfolio stagewise provisioning as of 31 March 2021 BAJAJ FINANCE LIMITED Gross Assets Receivable Stagewise Provision Values in MM USD 1 = 74 INR PCR % Stage 1 OTR* Stage 2 Normal Stage 3 Stage 1 Stage 2 OTR* Normal Stage 3 Stage 1 Stage 2 Stage 3 OTR* Normal Auto Finance Business 1,291 20 305 166 14 1 46 84 1.1% 6.8% 15.1% 50.4% Sales Finance Business 1,509 55 17 20 20 7 9 Consumer B2C Business 3,719 30 157 68 41 8 53 7515 0.9% 13.3% 50.9% 77.0% 50 1.1% 24.9% 33.7% 74.5% Rural Sales Finance Business 390 Rural B2C Business 1,574 4 SME Lending Business 2,832 22 55 255 4 3 1 3 0.9% 39.2% 46.5% 76.9% 45 28 27 28 555 16 1 35 8 0625 16 21 1.0% 24.3% 35.0% 76.5% 24 21 1.2% 35.2% 42.7% 75.7% Securities Lending Business 817 I 2 Commercial Lending Business 1,122 0 I I 1 I 0 י 0.1% 0.0% 17.4% 0.0% 2 0.2% 0.0% 2.1% 0.0% Mortgages 5,871 104 90 57 29 20 19 21 0.5% 18.7% 20.9% 37.6% Total as of 31 March 2021 19,127 235 674 369 155 44 167 216 0.8% 18.9% 24.9% 58.4% Total as of 31 March 2020 18,912 425 319 231 80 193 1.2% 18.7% 60.3% Gross Assets receivables Provision Net Assets receivables Total (Q4 FY21) 20,405 19,608 582 503 19,823 19,105 Total (Q4 FY20) OTR - One time Restructuring Stage 1 - Customer with no overdue on reporting date; Stage 2 - Customer with 1 & 2 instalments overdue, including weak accounts without any overdue; Stage 3 - Customer with 3 & above instalments overdue 49

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