Q3 FY22 Earnings Report

- Executive summary – Bajaj Housing Finance Limited Lease Rental Discounting • BAJAJ FINANCE LIMITED Offers loan against lease rentals to high-net-worth individuals and developers on commercial property leased mainly to corporate tenants Developer Financing • Offers construction finance for commercial properties to existing LRD customers • All lease rental discounting transactions are backed by rentals through escrow mechanism · . Ticket size of lease rental discounting ranges from 5 - 450 crore with an average ticket size of approximately 40 crore Currently present across 10 locations in India (Mumbai, Delhi, Bangalore, Pune, Ahmedabad, Chennai, Kolkata, Hyderabad, Cochin and Raipur) Offers construction finance and inventory finance mainly to category A and A+ developers in India . Average ticket size ranges between 20 - 25 crore • Currently present in 8 locations Credit Quality • Gross NPA and Net NPA, recognized as per extant RBI prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS, as of 31 December 2021 stood at 0.35% and 0.18% respectively Treasury Credit Rating . . Strategy is to create a balanced and sustained mix of borrowings Borrowings stood at 39,128 crore with a mix of 61: 39 between banks and money markets as of 31 December 2021 against mix of 62 38 as of 30 September 2021 Credit rating for long term borrowing is AAA/Stable by CRISIL & IND AAA/Stable by India Ratings Credit rating for short term borrowing is A1+ by CRISIL & IND A1+ by India Ratings 31

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