Investor Presentaiton

Executive summary - Bajaj Housing Finance Limited BAJAJ FINANCE LIMITED Bajaj Housing USD 1 = 74 INR • A 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company Finance Limited • Strategic business unit organization design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage Home Loans Loan Against Property • ⚫ Offers full range of mortgage products such as home loans, loan against property and lease rental discounting to salaried & self- employed customers. It also offers construction finance and inventory finance to credit worthy developers • Focused on mass affluent and above customers (salaried and self employed) AUM of $5,253 MM as of 31 March 2021. Post tax profit of $61 MM for FY21 . Capital adequacy ratio (including Tier II capital) was 21.33% as of 31 March 2021 • • · Offers home loans to salaried customers for an average ticket size of approximately $0.06 MM Focused on originating home loans at developer points - B2B home loans business Focused on balance transfers to large existing franchise of BFL by creating customized solutions · Currently present across 32 locations in India Offers loan to mass affluent and above self-employed customers for an average ticket size of $0.07 MM Focused on balance transfers to large existing franchise of BFL by creating customized solutions Currently present across 14 locations in India Rural • Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of approximately $0.03 MM for home loans and $0.02 MM for loan against property • Hub and spoke strategy through branch network and ASSC tie ups Currently present across 93 locations in India 24

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