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Stagewise ECL provisioning - BHFL BAJAJ FINANCE LIMITED in Crore Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Home Loans 44,183 165 113 146 31 68 0.3% 18.8% 60.2% Loan against property 6,375 82 36 34 15 19 0.5% 18.3% 52.8% Lease rental discounting 9,845 I Developer Finance 8,611 15 I 67 59 I 0.7% 4 I 0.7% 26.7% Rural Mortgages 2,444 49 23 11 9 14 0.5% 18.4% 60.9% Other loans 1,737 8 14 12 3 12 0.7% 37.5% 85.7% Total as of 31 Dec 2023 73,195 319 186 329 62 113 0.4% 19.4% 60.7% Total as of 30 Sep 2023 70,992 309 171 352 62 104 0.5% 20.1% 60.7% Total as of 31 Dec 2022 57,952 394 135 333 83 74 0.6% 21.1% 54.6% 55 9

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