Investor Presentaiton

Provisioning Coverage - Consolidated BAJAJ FINANCE LIMITED * in Crore AUM PCR GNPA % NNPA % Particulars 31 Mar 22 GNPA NNPA (%) 30 Sep 21 31 Dec 21 31 Mar 22 30 Sep 21 31 Dec 21 31 Mar 22 Auto Finance Business 10,194 1,238 620 50% 16.00% 11.04% 11.01% 9.25% 5.84% 5.83% Sales Finance Business 14,977 432 200 54% 0.64% 0.30% 2.81%* 0.13% 0.06% 1.32%* Consumer B2C Business 38,772 361 90 75% 2.11% 1.33% 0.95% 0.54% 0.34% 0.24% Rural Sales Finance Business 4,129 7 1 84% 1.09% 0.24% 0.16% 0.21% 0.05% 0.02% Rural B2C Business 15,301 187** 58** 69%** 3.09% 2.55% 1.19%** 1.28% 1.42% 0.37%** SME Lending Business 24,979 364 90 75% 1.69% 1.39% 1.43% 0.43% 0.35% 0.36% Securities Lending Business 15,901 2 2 18% 0.02% 0.06% 0.01% 0.02% 0.05% 0.01% Commercial Lending Business 11,498 44 21 53% 0.45% 0.42% 0.38% 0.29% 0.26% 0.18% Mortgages Business 61,701 498 233 53% 0.97% 0.95% 0.86% 0.59% 0.52% 0.40% Total 1,97,452 3,133 1,315 58% 2.45% 1.73% 1.60% 1.10% 0.78% 0.68% * In Q4, GNPA & NNPA for Sales Finance business is elevated on account of one large commercial B2B account. Adjusted for it, GNPA & NNPA are 0.25% & 0.05% **Includes Gold loan GNPA of 16 crore and NNPA of 15 crore. Net of Gold loan, the GNPA, NNPA and PCR are 1.25%, 0.32% and 75% 49

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