LRS 2023-27 Execution Plan

Executive summary - Bajaj Housing Finance Ltd. BAJAJ FINANCE LIMITED Overview . A 100% subsidiary of Bajaj Finance Limited Home Loans Loan Against Property Rural • Independent organization design having all dedicated functions and units to drive domain expertise, scalability and operating leverage • 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 65,581 crore as of 31 December 2022. Post tax profit of 334 crore for Q3 FY23 Capital adequacy ratio (including Tier II capital) was 23.00% as of 31 December 2022 Offers home loans to salaried customers for an average ticket size of 51 lakh Focused on originating home loans at developer points and through distributors Focused on home loans – fresh, resale and balance transfer directly as well as through channel partners Present in 49 locations as of 31 December 2022 Home loan mix as of 31 December 2022 - Salaried: Self Employed: Professionals stood at 90% : 5%: 5% Offers loan to mass affluent and above self-employed customers for an average ticket size of 66 lakh Focused on offering customized propositions to both self employed and salaried customers Present in 25 locations as of 31 December 2022 Offers home loans and loans against property to salaried and self-employed customers with an average ticket size of approximately 19 lakhs for home loans and 14 lakhs for loan against property Hub and spoke strategy through branch network, ASSC tie ups and channel partners • Present in 109 locations as of 31 December 2022 38

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