Investor Presentaiton

Portfolio credit quality - Consolidated Consumer Durable & Lifestyle BAJAJ FINANCE LIMITED Two & three wheeler ■1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage Stage 98.65% 97.89% 99.66% 99.63% 99.64% 99.59% 99.58% 99.51% 99.44% 1 86.00% 85.19% 86.02% 89.34% 91.68% 93.28% 94.30% 94.71% 94.72% 2 0.89%% 0.25% 0.30% 0.30% 0.27% 0.32% 0.35% 0.37% 0.40% 2 11.27% 8.74% 8.41% 6.34% 5.22% 4.23% 3.71% 3.69% 3.83% 3% 16% 14% 2% 12% 2% 10% 8% 1% 6% 4% 1% 2% 0% 0% Feb'20 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Feb'20 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Digital product Urban B2C Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1st Bucket 2nd Bucket ■3rd Bucket 4th Bucket 5th Bucket Stage 1 98.49% 99.66% 99.46% 99.49% 99.57% 99.54% 99.46% 99.41% 99.40% 98.00% 98.48% 98.64% 1 98.75% 98.74% 98.79% 98.72% 98.74% 98.59% 2 0.97% 0.30% 0.48% 0.40% 0.32% 0.38% 0.46% 0.46% 0.46% 2 1.43% 1.27% 1.15% 1.01% 0.95% 0.96% 1.04% 0.95% 0.95% 2% 1% do do do do do 1% 1% 1% 3% 2% 1% 0% 0% 0% Feb'20 2% 1% 1% A ovo do do do 0% Mar'22 Jun'22 Sep'22 Dec'22 Dec'23 Mar'23 Jun'23 Sep'23 Portfolio credit quality after adjusting ECL provisions | Feb'20 has been retained as a pre covid benchmark Feb'20 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 Dec 2356

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