Investor Presentaiton
NPA PROVISIONING STANDARDS
•
Bajaj Finance provides a general provision of 0.40% on all standard assets (0.50% on Mortgages)
Consumer Finance
provision coverage
Consumer Durables:
• 3-5 Bucket 75%
• Above 5 100%
2 and 3 Wheeler:
·
•
3-5 Bucket - 40%
6 12 Bucket - 60%
-
Above 12 100%
⚫Personal Loan Cross Sell:
•
3-5 Bucket - 75%
•Above 5 100%
Salaried Personal Loan :
SM E Finance
provision coverage
•Home Loan Loan against
Property:
3-5 Bucket - 15%
•6-12 Bucket - 25%
.
• 13-18 Bucket - 40%
18-24 Bucket - 60%
Above 24 100%
Unsecured Business &
Professional Loans :
3-5 Bucket - 75%
Above 5-100%
Commercial Lending
provision coverage
6-12 Bucket - 10%
12-18 Bucket - 20%
•18-24 Bucket - 30%
Above 24-100%
Graded provision on secured
portfolio
• Securities Lending
• Above 5 - 100%
.
3-5 Bucket -75%
• Above 5 - 100%
Bajaj Finance provisioning standards are substantially stringent than RBI norms applicable for NBFC's.
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