LRS 2023-27 Execution Plan

Executive summary - Bajaj Finance Limited Overview • Focused on Urban, Rural, SME, Commercial and Payments businesses Consumer business • BAJAJ FINANCE LIMITED • • Strategic business unit organization design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage Focused on cross sell, customer experience and product & process innovations to create a differentiated & profitable business model • AUM of 1,68,359 crore as of 31 December 2022 · AUM mix as of 31 December 2022 - Consumer: Rural : SME: Commercial: Mortgage stood at 44% 14% 18% 16% : 8% Post tax profit of 2,624 crore in Q3 FY23 : • Capital adequacy ratio (including Tier II capital) of 25.14% as of 31 December 2022. Tier I capital stood at 23.28% Present in 1,392 locations with 102.9K+ active distribution points of sale as of 31 December 2022 Largest consumer electronics, digital products & lifestyle products lender in India 2-wheeler financing business disbursed 261.9K accounts in Q3 FY23 (growth of 32% YOY) • 3-wheeler financing business disbursed 41K accounts in Q3 FY23 (growth of 73% YOY) · Amongst the largest personal loan lenders in India Payments • EMI Card franchise stood at 35.9 MM cards in force (CIF) as of 31 December 2022 Rural business • • Co-branded credit card CIF stood at 3.29 MM as of 31 December 2022 Digital app platform has 31.5 MM net users as of 31 December 2022 • Highly diversified lender in rural markets offering 10 loan products across consumer and SME business categories Operates with a unique hub and spoke business model Present in 2,322 towns and villages with 33.5K+ active distribution points of sale as of 31 December 2022 36

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