LRS 2023-27 Execution Plan
Portfolio credit quality - Consolidated
Consumer Durable & Lifestyle
Two & three wheeler
BAJAJ FINANCE LIMITED
Stage
■1st Bucket
■2nd Bucket
■3rd Bucket
4th Bucket
5th Bucket
1st Bucket 2nd Bucket
■3rd Bucket 4th Bucket 5th Bucket
■5+ Bucket
Stage
98.65% 99.52%
99.05%
99.58%
99.72%
97.89%
99.66% 99.63%
99.64%
1 86.00%
78.02%
71.14%
77.76% 82.86%
85.19% 86.02% 89.34% 91.68%
2 0.89%%
0.25%
0.69%
0.27%
0.22%
0.25%
0.30%
0.30%
0.27%
2
11.27%
17.37%
16.35%
12.67%
11.01%
8.74%
8.41%
6.34%
5.22%
3%
35%
30%
2%
25%
2%
20%
1%
15%
10%
1%
5%
0%
0%
Feb'20 Mar'21
Jun'21 Sep'21
Dec'21
Mar'22 Jun'22
Sep'22 Dec'22
Feb'20 Mar'21
Jun 21 Sep'21
Dec'21 Mar'22
Jun'22 Sep'22 Dec'22
Digital product
Urban B2C
1st Bucket
2nd Bucket
■3rd Bucket
4th Bucket
■5th Bucket
Stage
1st Bucket ■2nd Bucket ■ 3rd Bucket
4th Bucket
5th Bucket
Stage
1 98.49%
99.27%
98.71%
99.56%
99.74% 99.66%
99.46%
99.49%
99.57%
98.00%
1
96.91% 95.15%
97.37%
98.22% 98.48%
98.64%
98.75%
98.74%
2
Ndo do do
0.97%
0.34%
0.95%
0.27%
0.20%
0.30%
0.48%
0.40%
0.32%
2
1.43%
2.60%
3.78%
2.08%
1.43%
1.27%
1.15%
1.01%
0.95%
2%
1%
6%
5%
4%
1%
1%
1%
1%
0%
0%
0%
Feb'20
3%
2%
1%
A du do do
0%
Feb'20
Mar'21
Jun'21 Sep'21
Dec'21
Mar'22 Jun'22 Sep'22 Dec'22
Mar'21
Jun'21
Sep'21
Dec'21 Mar'22
Jun 22
Sep'22 Dec'22
Portfolio credit quality after adjusting ECL provisions | Feb'20 has been retained as a pre covid benchmark
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