Investor Presentaiton
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Executive summary – Bajaj Housing Finance
Overview
Home Loans
Loan Against
Property
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A 100% subsidiary of Bajaj Finance Limited
BAJAJ FINANCE LIMITED
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Independent organization design having all dedicated functions and units to drive domain expertise, scalability and
operating leverage
Offers full range of mortgage products such as home loans, loan against property and lease rental discounting to salaried &
self-employed customers. It also offers construction finance and inventory finance to credit worthy developers
Focused on mass affluent and above customers (salaried and self employed)
AUM of 85,929 crore as of 31 December 2023. Post tax profit of 437 crore for Q3 FY24
Capital adequacy ratio (including Tier II capital) was 21.92% as of 31 December 2023
Offers home loans to salaried customers for an average ticket size of 50 lakh
Focused on originating home loans at developer points and through distributors
Focused on home loans - fresh, resale and balance transfer directly as well as through channel partners
Present in 84 locations as of 31 December 2023
Home loan mix as of 31 December 2023 - Salaried : Self Employed: Professionals stood at 89% : 7% : 4%
Offers loan to mass affluent and above self-employed customers for an average ticket size of 70 lakh
Focused on offering customized propositions to both self employed and salaried customers
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Present in 47 locations as of 31 December 2023
Rural
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Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of
approximately 20 lakh for home loans and 15 lakh for loan against property
Hub and spoke strategy through branch network, ASSC tie ups and channel partners
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Present in 110 locations as of 31 December 2023
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