Bajaj Finance Limited · NSE:BAJFINANCE
Bajaj Finance — Q2 FY27 Earnings Presentation
69 slides from Bajaj Finance's earnings presentation, Oct 19, 2026
Slide 1: Exchange filing cover letter
19 October 2026 To To The Manager The Manager Listing Department Listing Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1. Block G, Dalal Street, Bandra - Kurla Complex, Bandra (East) Mumbai – 400 001 Mumbai - 400 051 SCRIP CODE: 500034 S
Slide 2: Q2 FY27 Investor Presentation
Q2 FY27 Investor Presentation 19 October 2026
Slide 3: Presentation Path
Presentation Path Section 01 Section 02 Section 03 Section 04 Executive summary – Q2 FY27 Executive summary – Bajaj Finance Limited Financial performance Asset liability Q2 FY27 overview – Q2 FY27 management 3 19 34 39 Section 05 Section 06 Section 07 Section 08 Customer franchise Business segment U
Slide 4: Section 01: Executive summary – Q2 FY27
Section 01 1.1 Quarter gone by Executive summary – 1.2 Lead financial indicators Q2 FY27 3
Slide 5: Q2 FY27 Executive summary - Consolidated
Q2 FY27 Executive summary - Consolidated An excellent quarter across all key metrics of AUM, new customer addition, credit cost, profit, ROA and ROE. AUM grew by 26% to ₹ 584,624 crore. Delivered AUM addition of ₹ 37,680 crore. PBT grew by 29% to ₹ 8,537 crore. Booked 13.45 MM new loans and added 4.
Slide 6: Lead financial indicators for Q2 FY27 – consolidated (1/4)
Lead financial indicators for Q2 FY27 – consolidated (1/4) Balance sheet and business metrics 1. AUM was up 26% to ₹ 584,624 crore as against ₹ 462,261 crore as of 30 September 2025. 2. AUM addition was ₹ 37,680 crore in Q2 FY27. 3. New loans booked grew by 11% to 13.45 MM in Q2 FY27 as against 12.1
Slide 7: Lead financial indicators for Q2 FY27 – consolidated (2/4)
Lead financial indicators for Q2 FY27 – consolidated (2/4) Operating efficiencies 11. Net interest income grew by 24% to ₹ 13,335 crore as against ₹ 10,785 crore in Q2 FY26. 12. Net total income grew by 23% to ₹ 15,974 crore as against ₹ 12,982 crore in Q2 FY26. 13. Opex to Net total income was 33.0
Slide 8: Lead financial indicators for Q2 FY27 – consolidated (3/4)
Lead financial indicators for Q2 FY27 – consolidated (3/4) 19. Vintage credit performance across 3MOB, 6MOB and 9MOB continues to reflect significant improvement. We are optimistic about credit cost outlook for FY27. 20. Asset quality remained strong, with GNPA and NNPA improving to 1.06% and 0.42%,
Slide 9: Lead financial indicators for Q2 FY27 – consolidated (4/4)
Lead financial indicators for Q2 FY27 – consolidated (4/4) Additional update 28. On 1st October 2026, the Board of Directors has approved, subject to the approval of shareholders, issue of equity shares for an aggregate amount of up to ₹ 11,700 crore through Qualified Institutions Placement to Quali
Slide 10: FINAI transformation update (1/5)
FINAI transformation update (1/5) # Stage Metric UoM Q2 FY26 Q1 FY27 Q2 FY27 YoY Dedicated employees working in AI unit # as of 121 230 328 171% 1 People AI text BOT for employees # as of - 25 39 - Voice to Data conversion for all customer # MM - 45 56 - interactions Text to Data conversion for all
Slide 11: FINAI transformation update (2/5)
FINAI transformation update (2/5) # Stage Metric UoM Q2 FY26 Q1 FY27 Q2 FY27 YoY Existing customer face match #MM 1.2 6.0 6.7 442% Customer 6 Documents processed for application #MM 12 32 29 138% Onboarding AI summaries live for products on App and # as of - 2 12 - Web Operations 7 Auto quality chec
Slide 12: FINAI transformation update (3/5)
FINAI transformation update (3/5) # Stage Metric UoM Q2 FY26 Q1 FY27 Q2 FY27 YoY Receipts through AI Text BOTs # MM - 0.10 0.32 - Debt 10 Management SMS with AI Text BOT penetration % - 14% 45% - Service Click-through-rate of AI BOT in SMS X times - 1.0x 1.3x - Business Requirement Document (BRD) %
Slide 13: FINAI transformation update (4/5)
FINAI transformation update (4/5) # Details Timelines Status 1 Data Intelligence Build and scale “Data for AI” capabilities, including feature marts, embeddings and data 1.1 FY27 On track annotation across voice, text, video, images, unstructured data and knowledge graphs Deploying Image Analytics a
Slide 14: FINAI transformation update (5/5)
FINAI transformation update (5/5) # Details Timelines Status 4 Custom AI model Use AI to expand data variables for NTB and NTC customers for improved approval 4.1 Q2 FY27 Live rates and enable incremental volume of ~5 lakh accounts for sales finance business Leverage AI-driven data variables and ris
Slide 15: Q2 FY27 Executive summary – BHFL
Q2 FY27 Executive summary – BHFL Overall, it was a strong quarter across all key metrics of AUM, credit cost and profitability. AUM crossed a milestone of ₹ 1.5 lakh crore and grew by 25% to ₹ 158,205 crore. PBT grew by 18% to ₹ 980 crore. Asset quality remained resilient with GNPA at 29 bps and NNP
Slide 16: Lead financial indicators for Q2 FY27 – BHFL (1/2)
Lead financial indicators for Q2 FY27 – BHFL (1/2) Balance sheet and geography 1. AUM was up 25% at ₹ 158,205 crore as against ₹ 126,749 crore as of 30 Sep 2025. 2. Home loans AUM grew by 22%, Loan against property grew by 26%, Lease rental discounting grew by 39%, Developer finance grew by 13%. 3.
Slide 17: Lead financial indicators for Q2 FY27 – BHFL (2/2)
Lead financial indicators for Q2 FY27 – BHFL (2/2) Operating efficiencies 10. Net interest income grew by 10% to ₹ 1,055 crore as against ₹ 956 crore in Q2 FY26. 11. Net total income grew by 15% to ₹ 1,254 crore as against ₹ 1,090 crore in Q2 FY26. 12. Opex to Net total income improved to 19.1% as a
Slide 18: Q2 FY27 Executive summary - BFSL
Q2 FY27 Executive summary - BFSL Good quarter on AUM, PAT and new customer addition. AUM grew by 59% to ₹ 12,058 crore and PAT by 36% to ₹ 64 crore. Added 121K customers to its franchise in Q2 FY27. Overall customer franchise stood at 1.61 MM as of 30 September 2026. AUM Net total PBT PAT Customer i
Slide 19: Lead financial indicators for Q2 FY27 – BFSL
Lead financial indicators for Q2 FY27 – BFSL Customer franchise, geography and balance sheet 1. Added 121K customers to its franchise in Q2 FY27 against 94k in Q2 FY26. 2. Customer franchise stood at 1.61 MM as of 30 September 2026 against 1.15 MM as of 30 September 2025. 3. AUM was up 59 % at ₹ 12,
Slide 20: Section 02: Bajaj Finance Limited overview
2.1 Bajaj group structure 2.2 What do we stand for 2.3 Key strategic differentiators Section 02 2.4 Our shareholder profile Bajaj Finance Limited 2.5 BFL Consolidated 19-years financial overview snapshot 2.6 BHFL 9-years financial snapshot 2.7 Product suite 2.8 Executive summary 19
Slide 21: Bajaj Group Structure
Bajaj Group Structure Bajaj Finserv Ltd. (Listed) 77.33%2 77.33%2 100% 51.30%1 4 Bajaj Finance Ltd. Bajaj Life Bajaj General Bajaj Finserv (Listed) Insurance Ltd. Insurance Ltd. Health Ltd. 86.70% 100% Bajaj Housing Finance Vidal Healthcare Ltd. (Listed) Services Pvt. Ltd. 100% Bajaj Financial Secur
Slide 22: What do we stand for
What do we stand for “A diversified non-bank with a deposit taking license” “Focused on mass and affluent segments, leveraging cross-sell to drive lifetime value” “Diversified financial services strategy with an optimal mix of risk and profit to deliver a resilient business model” “Business construc
Slide 23: Financial sustainability metrics - Consolidated
Financial sustainability metrics - Consolidated AUM growth Profit growth GNPA in corridor of in corridor of in corridor of 23%-25% 23%-24% <1.4% NNPA Return on assets Return on equity in corridor of in corridor of in corridor of <0.5% 4.3%-4.7% 19%-21% 22
Slide 24: Key strategic differentiators
Key strategic differentiators Be the pre-eminent choice which meets all financial services needs of its 200 MM customers. Its AI enabled technology BFL 3.0 – A FINAI Company architecture that integrates AI across all its processes to deliver significant operating leverage and create a virtuous growt
Slide 25: Our shareholder profile
Our shareholder profile Top 20 investors and their holdings As on 30 As on 30 As on 30 # Name of Shareholder Sep 25 Jun 26 Sep 26 1 BAJAJ FINSERV LTD 51.32% 51.30% 51.30% FII & FPI 2 MAHARASHTRA SCOOTERS LIMITED 3.05% 3.06% 3.06% 19.79% 3 LIFE INSURANCE CORPORATION OF INDIA 1.27% 1.57% 1.63% 4 SBI N
Slide 26: 19-years financial snapshot - Consolidated
19-years financial snapshot - Consolidated ₹ in crore CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (19Y) Loans booked (MM) 1.0 0.6 0.9 1.6 2.2 2.8 3.4 4.9 6.8 10.1 15.3 23.5 27.4 16.9 24.7 29.6 36.2 43.4 52.5 25% Cust. fran
Slide 27: 9-years financial snapshot – BHFL
9-years financial snapshot – BHFL ₹ in crore CAGR Financials Snapshot FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (9 yrs.) AUM (₹ Cr) 3,570 17,562 32,705 38,871 53,322 69,228 91,370 114,684 140,706 58% Total income 106 1,156 2,646 3,155 3,766 5,655 7,601 9,554 11,151 79% Interest expenses 47 685 1,
Slide 28: Product suite
Product suite BAJAJ FINANCE LIMITED Partnership & Retail-Urban MSME Commercial Retail-Rural Deposits Payments Services 1. Consumer Durable Loans 1. Unsecured Loans to 1. Loan Against 1. Consumer Durable Loans 1. Retail Term Issuance 1. Life Insurance 2. Digital Product Loans Self-employed Securities
Slide 29: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Focused on Consumer Finance, Personal loans, MSME, Gold Loan, Wheels financing and Commercial businesses. • Long-term strategy is to build a customer-centric company serving all needs of the customer, leveraging technology and AI to drive growth and efficiency and
Slide 30: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Offers secured & unsecured loans to MSME and self-employed professionals, to meet their working capital and asset financing requirements. MSME • Secured offerings include enterprise loans against property, affordable housing loans and medical and industrial Busine
Slide 31: Executive summary – Bajaj Finance
Executive summary – Bajaj Finance • Operates across 21 locations through branch and digital channels, providing seamless financing solutions Loan against • Offers short to medium-term loans against shares, bonds, mutual funds, insurance policies and deposits across retail, HNI, securities and promot
Slide 32: Executive summary – Bajaj Housing Finance
Executive summary – Bajaj Housing Finance • Subsidiary of Bajaj Finance Limited • 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
Slide 33: Executive summary – Bajaj Housing Finance
Executive summary – Bajaj Housing Finance • Offers LRD to high net-worth individuals and developers against commercial property leased to corporate lessees Lease Rental • Customer base spans across commercial real estate developers, listed REITs, Private Equity and Sovereign funds Discounting • LRD
Slide 34: Executive summary – Bajaj Financial Securities
Executive summary – Bajaj Financial Securities • A 100% subsidiary of Bajaj Finance Limited • Offers a wide range of capital market products - Broking, Depositary services, Margin Trade Financing (MTF), ESOP Financing, IPOs and Distribution of Mutual Funds, PMS, and AIF. The Company launched Commodi
Slide 35: Section 03: Financial performance – Q2 FY27
Financial statement summary – 3.1 Consolidated Financial statement summary – Section 03 3.2 Bajaj Finance Limited Financial performance— Financial statement summary – Q2 FY27 3.3 Bajaj Housing Finance Limited 3.4 Financial statement summary – Bajaj Financial Securities Limited 34
Slide 36: Financial summary – Consolidated
Financial summary – Consolidated ₹ in Crore Financials snapshot Q2 FY27 Q2 FY26 Y-o-Y H1 FY27 H1 FY26 H-o-H FY26 Assets under management 5,84,624 4,62,261 26% 5,84,624 4,62,261 26% 5,09,975 Assets under finance 5,74,174 4,52,527 27% 5,74,174 4,52,527 27% 4,98,944 Interest income 21,936 17,796 23% 42
Slide 37: Financial summary – Bajaj Finance
Financial summary – Bajaj Finance ₹ in Crore Financials snapshot Q2FY27 Q2 FY26 Y-o-Y H1 FY27 H1 FY26 H-o-H FY26 Assets under management 4,26,879 3,38,121 26% 4,26,879 3,38,121 26% 3,72,986 Assets under finance 4,22,268 3,32,545 27% 4,22,268 3,32,545 27% 3,67,226 Interest income 18,549 14,969 24% 35
Slide 38: Financial summary – Bajaj Housing Finance
Financial summary – Bajaj Housing Finance ₹ in Crore Financials snapshot Q2 FY27 Q2 FY26 Y-o-Y H1FY27 H1FY26 H-o-H FY26 Assets under management 158,205 126,749 25% 158,205 126,749 25% 140,706 Assets under Finance 139,862 113,059 24% 139,862 113,059 24% 123,745 Interest income 3,052 2,614 17% 5,908 5
Slide 39: Financial summary – Bajaj Financial Securities
Financial summary – Bajaj Financial Securities ₹ in Crore Financials snapshot Q2 FY27 Q2 FY26 Y-o-Y H1 FY27 H1 FY26 H-o-H ₹FY26 in Crore Assets under finance 12,058 7,597 59% 12,058 7,597 59% 7,984 Interest income 323 205 58% 596 358 66% 871 Interest expenses 206 110 87% 385 200 93% 491 Net interest
Slide 40: Section 04: Asset liability management
Conservative leverage standards – 4.1 Consolidated 4.2 Resilient business model – Consolidated Section 04 Behaviouralized ALM – Bajaj Finance 4.3 Limited Asset liability management Behaviouralized ALM – Bajaj Housing 4.4 Finance Limited 4.5 Disciplined ALM Management – Bajaj Finance Limited 4.6 Cons
Slide 41: Conservative leverage standards
Conservative leverage standards 7.0 7.0 7.0 7.0 7.0 7.0 7.0 6.0 6.0 6.0 6.0 5.5 28.3% 6.6 27.2% 6.3 25.0% 25.0% 24.7% 25.1% 24.8% 23.2% 22.5% 22.0% 21.9% 21.2% 21.5% 21.6% 20.9% 5.4 21.3% 21.5% 20.3% 21.1% 20.7% 21.2% 20.5% 20.6% 20.7% 19.4% 20.3% 19.7% 20.0% 5.1 5.1 5.1 * 4.9 4.9 4.8 4.9 4.7 4.8 4.
Slide 42: Resilient business model – Consolidated
Resilient business model – Consolidated 46.5% 41.7% 42.5% 40.5% 37.8% 36.0% 35.6% 35.4% 36.1% 38.4% 34.8% 33.9% 33.1% 33.1% 33.8% 33.4% 33.0% 36.5% 33.3% 31.0% 33.8% 29.5% 29.2% 27.2% 27.3% 28.0% 27.6% 27.7% 27.1% 26.9% 9.00% 8.24% 8.27% 8.39% 7.84% 7.74% 7.97% 7.79% 7.52% 7.45% 7.41% 7.40% 7.31% 6.
Slide 43: Behaviouralized ALM as of 30 Sep 2026 – BFL
Behaviouralized ALM as of 30 Sep 2026 – BFL ₹ in Crore Particulars 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 16,471 31 9,708 719 2,621 4,442 1,831 961 - 14,878 51,662 Advances 16,208 4,481 9,882 24,550 22,279 57,526 75,206 1,51,854 43,136 33,135 4
Slide 44: Behaviouralized ALM as of 30 Sep 2026 – BHFL
Behaviouralized ALM as of 30 Sep 2026 – BHFL ₹ in Crore Particulars 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 172 - 85 4 7 58 2167 - - - 2,493 Advances 1,539 579 1,659 3,024 2,955 8,476 15,115 41,539 24,289 40,687 1,39,862 Other inflows 1,150 1 2,
Slide 45: Disciplined ALM Management - BFL
Disciplined ALM Management - BFL Cumulative gap upto 1 month Cumulative gap upto 12 month 220% 216% 120% 93% 87% 96% 71% 80% 69% 66% 59% 57% 51% 49% 51% 65% 62% 64% 57% 54% 56% 31% 46% 43% 43% 32% 31% 36% Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Mar'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Sep'
Slide 46: Consolidated liability mix
Consolidated liability mix 3% 4% 3% 1% 2% 4% 4% 4% 4% 5% 5% 5% 12% 13% 5% 8% 9% 7% 14% 10% 3% 2% 12% 11% 12% 11% 12% 11% 3% 2% 6% 4% 1% 1% 0% 1% 1% 1% 1% 1% 36% 34% 35% 40% 32% 36% 35% 40% 40% 38% 37% 40% 37% 45% 33% 30% 36% 31% 28% 28% 26% 34% 26% 28% 30% 30% 30% 25% 20% 19% 21% 21% 20% 19% 18% 17%
Slide 47: Section 05: Customer franchise and distribution reach
5.1 Customer franchise 5.2 Product per customer Section 05 Customer franchise and 5.3 Geographic presence distribution reach 5.4 Strong distribution reach 46
Slide 48: Customer franchise
Customer franchise Q2 FY26 Q2 FY27 Q1 FY27 Total Franchise 128.85 MM 124.43 MM 110.64 MM 94.32 MM Credit segment filter 111.16 MM 106.72 MM 90.47 MM Overall Cross sell franchise 105.92 MM 102.12 MM Non delinquent 80.65 MM customers 94.58 MM 91.14 MM Cross sell franchise 71.32 MM 82.36 MM 79.22 MM (6
Slide 49: Product Per Customer (PPC)
Product Per Customer (PPC) Our customer-centric strategy, characterized by strong customer trust and relevant product offerings, will help gain the wallet share of existing customers. Product Per Customer (PPC) is a business metric used to determine average number of products or services (active or
Slide 50: Geographic presence
Geographic presence 30 Sep 30 Sep 30 Sep 31 Dec 31 Mar 30 Jun 30 Sep Geographic Presence 2023 2024 2025 2025 2026 2026 2026 Urban lending locations 1,469 1,596 1,539 1,535 1,527 1,515 1,515 Rural lending locations 2,465 2,649 2,500 2,517 2,571 2,558 2,576 Total Bajaj Finance presence 3,934 4,245 4,0
Slide 51: Strong distribution reach
Strong distribution reach Active distribution 30-Sep-23 30-Sep-24 30-Sep-25 31-Dec-25 31-Mar-26 30-Jun-26 30-Sep-26 Consumer durable stores – Urban 38,850+ 45,300+ 52,650+ 52,650+ 53,050+ 56,200+ 57,550+ Consumer durable stores – Rural 43,350+ 56,650+ 66,250+ 66,800+ 68,400+ 70,700+ 72,700+ Digital
Slide 52: Section 06: Business segment wise AUM
Business segment wise AUM - Section 06 6.1 Consolidated Business segment wise Business segment wise AUM – AUM 6.2 Consolidated Mortgages and BHFL 51
Slide 53: Business segment wise AUM – Consolidated
Business segment wise AUM – Consolidated ₹ in Crore Consolidated BFL BHFL Consolidated Composition Composition Growth % Change Particulars as of as of as of as of as of as of YoY YoY 30 Sep 2025 30 Sep 2026 30 Sep 2026 30 Sep 2026 30 Sep 2025 30 Sep 2026 Captive 2W & 3W Finance 7,086 2,387 0 2,387 (
Slide 54: Business segment wise AUM - Mortgages
Business segment wise AUM - Mortgages ₹ in Crore Consolidated mortgages AUM as of AUM as of Growth Composition Composition Particulars 30 Sep 25 30 Sep 26 YoY as of 30 Sep 25 as of 30 Sep 26 Home Loans 70,911 86,530 22% 49% 46% Loan Against Property 30,648 43,784 43% 21% 23% Lease Rental Discounting
Slide 55: Section 07: Update on credit quality
7.1 Provisioning Coverage - Consolidated 7.2 Stagewise ECL provisioning – Consolidated Section 07 7.3 Provisioning Coverage - BHFL Update on credit quality 7.4 Stagewise ECL provisioning - BHFL 7.5 Portfolio credit quality - Consolidated 54
Slide 56: Provisioning Coverage - Consolidated
Provisioning Coverage - Consolidated ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Sep 26 (%) 30-Sep-25 30-Jun-26 30-Sep-26 30-Sep-25 30-Jun-26 30-Sep-26 Captive 2W & 3W Finance 2,387 503 269 46% 12.08% 15.37% 18.45% 7.12% 8.94% 10.80% Open Market 2W & 3W Finance 8,991 173 96 44% 2.43% 1
Slide 57: Stagewise ECL provisioning - Consolidated
Stagewise ECL provisioning - Consolidated ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Captive 2W & 3W Finance 1,904 318 503 41 63 234 2.14% 19.71% 46.50% Open Market 2W & 3W Finance 8,956 70 173 118 13 77
Slide 58: Provisioning Coverage - BHFL
Provisioning Coverage - BHFL ₹ in Crore AUM PCR GNPA % NNPA % Particulars GNPA NNPA 30 Sep 26 (%) 30 Sep 25 30 Jun 26 30 Sep 26 30 Sep 25 30 Jun 26 30 Sep 26 Home Loans 85,224 294 130 55.60% 0.32% 0.34% 0.36% 0.15% 0.15% 0.16% Loan Against Property 16,382 71 24 66.15% 0.59% 0.62% 0.61% 0.29% 0.25% 0
Slide 59: Stagewise ECL provisioning - BHFL
Stagewise ECL provisioning - BHFL ₹ in Crore Gross Assets Receivable ECL Provision PCR % Particulars Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Home Loans 81,594 360 294 118 99 164 0.14% 27.31% 55.60% Loan Against Property 11,497 64 71 61 17 47 0.53% 26.84% 66.15% Lease
Slide 60: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Consumer Durable & Lifestyle Digital Product 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage Stage 98.65% 99.59% 99.38% 99.40% 99.48% 99.55% 99.67% 99.68% 99.57% 1 1 98.49% 99.54% 99
Slide 61: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Rural Personal Loans Business & Professional loans Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.80% 98.49% 98.03% 98.00% 98.13% 98.74% 99.12% 99.16% 99.26% 1 99.01% 99.
Slide 62: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Gold loans MFI lending Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 97.93% 96.01% 96.14% 98.97% 98.79% 99.01% 99.19% 98.98% 94.83% 1 0.00% 0.00% 100.0% 98.81% 99.22% 99.42
Slide 63: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Car loans CV and Tractor Finance 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Stage 1 98.09% 99.40% 99.03% 98.62% 98.26% 98.32% 98.55% 98.66% 98.70% 1 0.00% 0.00% 0.00%
Slide 64: Section 08: Omnipresence metrics
Omnipresence metrics Section 08 8.1 Omnipresence summary 8.2 Customer franchise - overview Key financial metrics 63
Slide 65: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q2 FY26 Q1 FY27 Q2 FY27 YoY Geography New locations added # (153) (25) 18 - Locations - Cumulative # 4,039 4,073 4,091 1% App + Web Metrics App downloads # in MM 21.65 24.02 24.45 13% App Net installs
Slide 66: Omnipresence metrics - Strong growth momentum across Geography and Digital metrics
Omnipresence metrics - Strong growth momentum across Geography and Digital metrics Particulars Unit Q2 FY26 Q1 FY27 Q2 FY27 YoY App + Web business metrics EMI cards acquired # in MM 0.20 0.16 0.17 (16%) Easy EMI Loans* # in MM 0.13 0.38 0.35 168% Personal loan disbursed In ₹ Cr 5,426 6,219 6,526 20%
Slide 67: Customer franchise - Key financial metrics
Customer franchise - Key financial metrics H1 H1 Particulars @ Unit FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 YoY FY26 FY27 New loans booked In MM 23.5 27.4 16.9 24.7 29.6 36.2 43.4 52.5 25.7 29.6 15% New customer addition In MM 8.3 8.1 6.0 9.0 11.6 14.5 18.2 17.5 8.8 9.5 8% Existing customer mix % 64
Slide 68: Disclaimer
Disclaimer This presentation has been prepared by and is the sole responsibility of Bajaj Finance Limited (together with its subsidiaries, "Bajaj Finance" or the Company). By accessing this presentation, you agree to be bound by the terms set out below. This presentation is for information purposes
Slide 69: Glossary
Glossary Abbreviation Expansion Abbreviation Expansion ALM Asset liability management LRD Lease rental discounting AMO After market order MF Mutual funds AR Augmented reality MFI Microfinance ASSC Authorised sales & support centre MSME Micro, Small & Medium Enterprises AUM Assets under management MT