Q3 FY22 Earnings Report

- Executive summary – Bajaj Finance Limited Overview · Focused on Consumer, Rural, SM E, Commercial and Payments businesses 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 ₹ 1,32,913 crore as of 31 December 2021 . AUM mix as of 31 December 2021- Consumer: Rural: SME: Commercial: Mortgage stood at 46% 14% 17% : 14% : 9% Post tax profit of ₹1,934 crore in Q3 FY22 Consumer business • · Capital adequacy ratio (including Tier II capital) of 26.96% as of 31 December 2021 Tier I capital stood at 24.44% Present in 1,368 locations with 92.9K+ active distribution points of sale as of 31 December 2021 Largest consumer electronics, digital products & lifestyle products lender in India. 2-wheeler financing business disbursed 199K accounts in the quarter (de growth of 13% YOY) 3-wheeler financing business disbursed 23.8K accounts in the quarter (growth of 30% YOY) · Amongst the largest personal loan lenders in India Payments Rural business • • · · • • EMI Card franchise stood at 27.5 MM cards in force (CIF) as of 31 December 2021 Bajaj Finserv - RBL Bank co-branded credit card CIF stood at 2.59 MM as of 31 December 2021 Bajaj Finserv Mobikwik app has 21.8 MM users as of 31 December 2021 who have linked their EMI card to the wallet Experia App has 16.5 MM active users as of 31 December 2021 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 2,055 towns and villages with 27.9 K+ active distribution points of sale as of 31 December 2021 28

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