Q3 FY22 Earnings Report

Portfolio credit quality - Consolidated Business & professional loans Rural Lending B2B BAJAJ FINANCE LIMITED Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 15th Bucket 1 98.42% 98.35% 98.27% 93.43% 97.19% 98.50% 97.30% 98.51% 98.73% 1 98.87% 99.21% 99.33% 92.84% 99.21% 99.75% 98.89% 99.60% 99.82% 2 1.10% 1.12% 1.13% 6.10% 1.92% 1.18% 1.97% 1.04% 0.90% 2 0.51% 0.36% 0.32% 7.11% 0.52% 0.10% 0.80% 0.18% 0.14% 7% 8% 6% 5% 4% 3% 2% 1% 0% ៖៖៖៖៖៖៖ 7% 6% 5% 4% 3% 2% 1% 0% Sep 19 Dec'19 Feb'20 Sep 20 Dec'20 Mar'21 Jun 21 Sept'21 Dec'21 Sep '19 Dec 19 Feb'20 Sep 20 Dec 20 Mar 21 Jun '21 Sep'21 Dec 21 Rural lending B2C Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Loan against property Stage ■1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.47% 98.32% 98.32% 90.94% 94.75% 2 1.02% 1.13% 1.09% 8.29% 3.44% 97.67% 1.83% 95.47% 94.49% 95.83% 97.31% 97.06% 97.06% 96.93% 97.31% 98.47% 96.23% 97.15% 97.88% 3.59% 4.19% 2.73% 0.60% 0.27% 0.30% 2.36% 1.78% 0.50% 2.69% 1.76% 1.29% 10% 4.0% 9% 3.5% 8% 7% 3.0% 6% 2.5% 5% 2.0% 4% 1.5% 3% 2% 1.0% 1% 0% 0.5% 0.0% Sep 19 Dec 19 Feb'20 Sep 20 Dec'20 Mar'21 Jun '21 Sept'21 Dec 21 Sep '19 Dec'19 Feb 20 Sep 20 Dec 20 Mar 21 Jun '21 Sept'21 Dec'21 Portfollo credit quality after adjusting ECL provisions 57

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