Investor Presentaiton

Portfolio credit quality - Consolidated Business, Professional & Used car loans BAJAJ FINANCE LIMITED Rural B2B Stage 1st Bucket ■2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 98.27% 98.51% 98.73% 98.93% 99.02% 99.06% 99.14% 99.26% 99.25% 1 99.33% 99.60% 99.82% 99.79% 99.73% 99.64% 99.70% 99.64% 99.65% 2 1.13% 1.04% 0.90% 0.69% 0.63% 0.55% 0.41% 0.41% 0.43% 2 0.32% 0.18% 0.14% 0.18% 0.24% 0.28% 0.22% 0.28% 0.28% 2% 0.8% 0.7% 0.6% 0.5% 1% 0.4% 0.3% 0.2% 0.1% 0% 0.0% Feb'20 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Feb'20 Dec'21 Sep'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Rural B2C Loan against property Stage ■1st Bucket 1 98.32% 94.49% 95.83% 2nd Bucket 3rd Bucket 97.79% 98.05% 97.94% 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 98.02% 98.13% 98.01% 1 97.06% 97.15% 97.88% 98.56% 98.44% 98.62% 98.81% 98.84% 98.90% 2 1.09% 4.19% 2.73% 1.83% 1.65% 1.70% 1.57% 1.58% 1.70% 2 0.30% 1.76% 1.29% 0.79% 0.98% 0.86% 0.72% 0.73% 0.69% 6% 3.5% 5% 3.0% 2.5% 4% 2.0% 3% 1.5% 2% 1.0% 1% 0.5% 0% 0.0% Feb'20 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Jun'23 Portfolio credit quality after adjusting ECL provisions | Feb'20 has been retained as a pre covid benchmark Mar'23 Feb'20 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun 23 53

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