LRS 2023-27 Execution Plan

Stagewise ECL provisioning - Consolidated BAJAJ FINANCE LIMITED in Crore Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 OTR* Normal OTR* Normal OTR* Normal Two & Three Wheeler Finance 10,974 768 748 175 154 375 1.6% 20.0% 50.1% Urban Sales Finance 16,755 115 109 122 54 92 0.7% 46.9% 84.6% Urban B2C 45,090 666 500 570 0 235 375 1.3% 10.0% 35.3% 75.0% Rural Sales Finance 4,689 29 Rural B2C 18,333 399 25414 23 I 16 25 0.5% 52.7% 86.2% 234 I 110 184 1.3% 27.5% 72.6% SME Lending 30,789 0 201 484 301 0 71 363 1.0% 10.0% 35.3% 75.0% Securities Lending 13,284 9 2 6 Commercial Lending 14,845 14 36 36 I I 0 O 0.0% 0.1% 6.5% 0 17 0.2% 0.2% 47.9% Mortgages 69,484 266 392 448 384 63 84 245 0.6% 23.6% 21.7% 54.5% Total as of 31 Dec 2022 2,24,243 267 2,593 2,610 1,851 63 724 1,676 0.8% 23.6% 27.9% 64.2% Total as of 30 Sep 2022 2,11,180 341 2,815 2,530 1,658 79 830 1,577 0.8% 23.2% 29.5% 62.3% Total as of 30 Jun 2022 1,96,360 474 3,095 2,539 1,569 109 916 1,521 0.8% 23.0% 29.6% 59.9% 63

View entire presentation