Financial Overview and Strategy

Executive summary - Bajaj Housing Finance Limited Bajaj Housing Finance Limited Home Loans Loan Against Property Lease Rental Discounting B BAJAJ FINSERV Bajaj Housing Finance Limited is a 100% subsidiary of Bajaj Finance Limited, registered with National Housing Bank as a Housing Finance Company • Offers full range of mortgage products such as home loans, loan against property and lease rental discounting to salaried & self employed customers. Also offers inventory finance and construction finance to developers. Focused on mass affluent and above customer (salaried and self employed) AUM of 17,562 crore as of 31 March 2019 and a post tax profit of 110 crore for FY19 • Capital adequacy ratio of BHFL (including Tier II capital) stood at 25.81% • Offers home loan with an average ticket size of approximately 37 lakhs. Focused on developing the B2B business in home loans by leveraging existing developer finance relationships and through tie- ups with new project launches Currently present across top 44 locations in India Offers loans to mass affluent and above self employed customers with an average ticket size of approximately 27 lakhs • Strategy is to sell LAP product to existing customers only via direct to customer channel Currently present across top 30 locations in India • Offers loan against lease rentals on commercial property to high net worth individuals and developers . All LRD transactions are backed by rentals through escrow mechanism Ticket size of lease rental discounting ranges from 5 - 100 crore with an average ticket size of approximately 20 crore Currently present across top 8 locations in India (Mumbai, Delhi, Bangalore, Pune, Ahmedabad, Chennai, Kolkata, Hyderabad) 35

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