Investor Presentaiton

Executive summary - Bajaj Housing Finance Limited Lease Rental Discounting BAJAJ FINANCE LIMITED Offers loan against lease rentals to high-net-worth individuals and developers on commercial property leased mainly to corporate tenants USD 1 = 74 INR Developer Financing • All lease rental discounting transactions are backed by rentals through escrow mechanism • Ticket size of lease rental discounting ranges from $0.68 - $27 MM with an average ticket size of approximately $3.38 MM ● Currently present across 8 locations in India (Mumbai, Delhi, Bangalore, Pune, Ahmedabad, Chennai, Kolkata and Hyderabad) ⚫ Offers construction finance and inventory finance mainly to category A and A+ developers in India . • Average ticket size ranges between $2.03 -$4.73 MM Currently present in 8 locations (Mumbai, Bangalore, Pune, Ahmedabad, Chennai, Kolkata, Hyderabad and Surat) Credit Quality Gross NPA and Net NPA, recognized as per extant RBI prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS, as of 31 March 2021 stood at 0.35% and 0.22% respectively Treasury · Strategy is to create a balanced and sustained mix of borrowings . Borrowings stood at $4,270 MM with a mix of 64: 36 between banks and money markets as of 31 March 2021 Credit Rating • Credit rating for long term borrowing is AAA/Stable by CRISIL & IND AAA/Stable by India Ratings ● Credit rating for short term borrowing is A1+ by CRISIL & IND A1+ by India Ratings 25 5

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