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Investor Presentaiton

Home Loans Verticals B2C 60% B 阻 11% Contribution B2B 5 7-8 Markets Appx. 45-50% customers are having prior relationship with Bajaj Data-analytics based offer generation approach for better risk management Customer sourcing on digital channels across Bajaj Finserv assets Micro-Market approach basis customer spread Years Behaviouralized maturity of loan B BAJAJ FINSERV 40% BHFL caters to majorly Elite, A+, A category developers (?) 4-5 Years Behaviouralized maturity of loan La T Rec Higher profitability in B2C channel driven by ability to cross-sell 404 Combination of field and regional underwriting processes for balancing TAT and Risk Continue to leverage the 60 Mn+ existing customer base to grow and expand distribution network as an additional funnel Focused on DF funded projects for scale, relationship and risk mitigation Build large array of partners to build scale going ahead Only defined, selected, risk- approved projects allowed for sourcing Focus on the huge market opportunity in B2B to provide exponential growth. Less risky and highly stable portfolio 24

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