Investor Presentaiton

Portfolio credit quality – Consolidated Consumer Durable & Lifestyle - BAJAJ FINANCE LIMITED Two & three-wheeler Stage ■1st Bucket ■2nd Bucket 3rd Bucket 4th Bucket ■5th Bucket Stage 1st Bucket ■2nd Bucket 3rd Bucket ■4th Bucket ■5th Bucket ■5+ Bucket 1 98.96% 98.73% 98.60% 98.47% 98.55% 98.65% 92.10% 98.92% 99.52% 1 89.68% 90.15% 88.70% 87.63% 85.81% 86.00% 72.62% 76.15% 78.02% 2 0.70% 0.90% 0.96% 1.04% 0.96% 0.89% 7.80% 0.78% 0.25% 2 8.36% 8.06% 9.39% 10.17% 11.69% 11.27% 25.19% 17.59% 17.37% 9% 30% 8% 25% 7% 6% 20% 5% 15% 4% 3% 10% 2% 5% 1% 0% 0% Dec'18 Mar'19 Jun'19 Sep'19 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Dec'18 Mar'19 June'19 Sep'19 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Digital product B2C loans Stage 1st Bucket 2nd Bucket ■3rd Bucket ■4th Bucket 5th Bucket 1st Bucket ■2nd Bucket ■3rd Bucket 4th Bucket 5th Bucket Stage 1 98.59% 98.52% 98.29% 98.12% 1 98.81% 98.30% 97.69% 97.85% 98.24% 98.49% 88.74% 98.78% 99.27% 98.02% 98.00% 90.52% 95.44% 96.91% 0.80% 1.21% 1.51% 1.37% 1.08% 0.97% 11.14% 0.88% 2 0.34% 1.03% 1.09% 1.20% 1.33% 1.39% 1.43% 9.03% 3.35% 2.60% 2 10% 12% 9% 8% 10% 7% 8% 6% 5% 6% 4% 4% 3% 2% 2% 1% 0% 0% Dec'18 Mar'19 June'19 Sep'19 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Dec'18 Mar'19 Jun'19 Sep'19 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 50

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