Bajaj Finance Limited Pitch Deck

3rd Bucket Portfolio credit quality - Consolidated Consumer Durable & Lifestyle Stage ■1st Bucket 2nd Bucket BAJAJ FINANCE LIMITED Two & three-wheeler 1 98.55% 98.65% 92.10% 98.92% 99.52% 4th Bucket 99.05% 99.58% 5th Bucket 99.72% 97.89% Stage 1 1st Bucket 2nd Bucket 85.81% 86.00% 72.62% 76.15% 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 78.02% 71.14% 77.76% 82.86% 85.19% 2 0.96% 0.89% 7.80% 0.78% 0.25% 0.69% 0.27% 0.22% 0.25% 2 11.69% 11.27% 25.19% 17.59% 17.37% 16.35% 12.67% 11.01% 8.74% 9% 35% 8% 7% 6% 5% 4% 3% 2% 1% 0% I 30% 25% 20% 15% 10% 5% 0% Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 Digital product B2C loans Stage ■1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 98.24% 98.49% 88.74% 98.78% 99.27% 98.71% 99.56% 99.74% 99.66% 98.02% 98.00% 90.52% 95.44% 96.91% 95.15% 97.37% 98.22% 98.48% 1 2 1.08% 0.97% 11.14% 0.88% 0.34% 0.95% 0.27% 0.20% 0.30% 2 1.39% 1.43% 9.03% 3.35% 2.60% 3.78% 2.08% 1.43% 1.27% 12% 10% 9% 10% 8% 2% 0% 6% 4% ..L. 8% 7% 6% 5% 4% 3% 2% 1% 0% Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 Dec'19 Feb'20 Sep'20 Dec'20 *For March 2022 quarter, Consumer durable and Lifestyle portfolio Stage 1 is 99.64% adjusted for one large B2B commercial lending account. Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 • Portfolio credit quality after adjusting ECL provisions 53

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