Home Loans and Financial Growth Strategies

Stagewise ECL provisioning * B BAJAJ FINSERV in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Home Loans 39,686 183 87 184 39 56 0.46% 21.39% 64.66% Loan against property 5,335 97 28 36 18 19 0.67% 18.77% 67.70% Lease rental discounting 10,859 65 555 0.60% Developer Finance 6,557 I 46 I 0.71% Rural Mortgages 2,154 42 54 27 13 11 18 0.59% 19.59% 66.57% Other loans 1,775 12 10 10 14 3 7 0.78% 28.26% 70.16% Total as of 30 June 2023 66,365 346* 152 357 71^ 100 0.54% 20.60% 65.93% Total as of 31 Mar 2023 62,142 360 137 360 78 87 0.58% 21.77% 63.60% Total as of 30 June 2022 49,878 492 134 283 104 78 0.57% 21.20% 58.16% Includes 19 Cr non overdue OTR assets classified as Stage 2 |ˆ Includes 4 Cr ECL provision on OTR assets 13

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