Executive Summary Q3 FY21

Financial statement summary - Bajaj Housing Finance Limited B in Crore BAJAJ FINSERV Financials snapshot Q3 FY21 Q3 FY20 Yo Y 9 M FY21 9M FY20 Yo Y FY20 Assets under management 35,492 30,035 18% 35,492 30,035 18% 32,705 Assets under finance 30,772 25,961 19% 30,772 25,961 19% 27,975 Interest income 747 620 20% 2.134 1,616 32% 2,303 Fee and other income 65 81 (20%) 130 212 (39%) 269 Net gain on fair value changes on Investments 9 22 (59%) 51 44 16% 74 Total Income 821 723 14% 2,315 1,872 24% 2,646 Interest expenses 492 438 12% 1,495 1,125 33% 1,616 Net Interest Income 329 285 15% 820 747 10% 1,030 Operating Expenses 87 96 (9%) 231 266 (13%) 339 Loan losses and provisions (ECL stage 1 & 2) 72 CO 6 1100% 180 18 900% 86 Loan losses and provisions (ECL stage 3 & write off) 35 8 338% 37 18 106% 38 Profit before tax 135 175 (23%) 372 445 (16%) 567 Profit after tax 99 131 (24%) 274 331 (17%) 421 Ratios Operating expense to Net Interest Income 26.4% 33.7% 28.2% 35.6% 32.9% Loan loss to Average AUF* 0.36% 0.06% 0.74% 0.17% 0.55% Return on Average Assets* 0.3% 0.5% 0.9% 1.5% 1.9% Return on Average Equity* * Not annualized 1.7% 3.3% 4.8% 8.7% 9.1% 28

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