Q3 FY22 Earnings Report

Provisioning Coverage - Consolidated BAJAJ FINANCE LIMITED in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 31 Dec 2021 (%) 30 Jun 21 30 Sept 21 31 Dec 21 30 Jun 21 30 Sept 21 31 Dec 21 Auto Finance Business 10,620 1,304 651 50% 19.15% 16.00% 11.04% 12.18% 9.25% 5.84% Sales Finance Business 14,920 45 CO 9 81% 1.05% 0.64% 0.30% 0.24% 0.13% 0.06% Consumer B2C Business 36,344 479 119 75% 2.84% 2.11% 1.33% 0.95% 0.54% 0.34% Rural Sales Finance Business 3.993 10 2 81% 1.35% 1.09% 0.24% 0.29% 0.21% 0.05% Rural B2C Business 14,311 376* 207* 45% 2.85% 3.09% 2.55% * 0.92% 1.28% 1.42% * SM E Lending Business 23,153 329 82 75% 2.15% 1.69% 1.39% 0.70% 0.43% 0.35% Securities Lending Business 9,127 5 5 4% 0.02% 0.06% 0.02% 0.05% Commercial Lending Business 10,478 44 27 38% 0.45% 0.42% 0.29% 0.26% Mortgages 58,304 516 278 46% 0.88% 0.97% 0.95% 0.61% 0.59% 0.52% Total 1,81,250 3,108 1,380 56% 2.96% 2.45% 1.73% 1.46% 1.10% 0.78% *Includes Gold loan GNPA of ₹ 160 crore and NNPA of 153 crore. Net of Gold loan, the GNPA, NNPA and PCR are 1.72%, 0.43% and 75%. 52

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