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Stagewise ECL provisioning as of 31 March 2022 BAJAJ FINANCE LIMITED Gross Assets Receivable ECL Provision PCR % in crore Stage 2 Stage 2 Stage 2 Stage 1 Stage 3 Stage 1 Stage 3 Stage 1 Stage 3 OTR* Normal OTR* Normal OTR* Normal Auto Finance Business 8,825 1,187 1,238 141 297 619 1.6% 25.0% 50.0% Sales Finance Business 14,829 110 432 109 53 231 0.7% 11.6% 48.2% 53.6% Consumer B2C Business 36,948 22 737 361 452 4 257 270 1.2% 20.1% 34.9% 74.9% Rural Sales Finance Business 4,134 24 7 18 Rural B2C Business 15,147 1 398 187 184 I I 13 6 0.4% 53.6% 84.4% 119 129 1.2% 23.5% 29.9% 68.8% SME Lending Business 24,818 37 270 364 266 8 96 274 1.1% 20.5% 35.9% 75.2% Securities Lending Business 16,118 7 2 7 I 0.0% 0.1% 18.3% Commercial Lending Business 11,497 44 27 I 23 0.2% 0.2% 53.0% Mortgages 56,518 658 409 498 303 132 100 266 0.5% 20.0% 24.4% 53.3% Total as of 31 Mar 2022 1,88,834 718 3,142 3,133 1,507 144 935 1,818 0.8% 20.1% 29.8% 58.0% Total as of 31 Dec 2021 1,70,842 1,453 3,846 3,108 1,364 317 1,064 1,728 0.8% 21.8% 27.7% 55.6% Total as of 31 Dec 2019 1,36,407 3,579 2,354 770 672 1,335 0.6% 18.8% 56.7% OTR - One time Restructuring Stage 1 - Loan accounts up to 1 DPD | Stage 2 -Loan accounts in-between 2-90 DPD, including weak accounts & OTR accounts without any overdue | Stage 3 - Customer classified as NPA as per RBI guidelines 2 52

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