Investor Presentation for the quarter ended 30 September 2026

16 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 BSE Code: 544252 NSE Code: BAJAJHFL - EQ Dear Sir/Madam, Sub: Investor Presentation for the quarter ended 30 September 2026 Further to our letter dated 12 October 2026 and pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Schedule Ill thereto, please find enclosed herewith presentation to be made to analysts/investors for the quarter ended 30 September 2026. Please access the live webcast of conference call scheduled to be held today i.e., 16 October 2026 at 17:30 hrs. IST at Registration | Bajaj Housing Finance Limited Q2FY27 Earning Call. The Investors Presentation is also made available on the website of the Company at https://www.bajajhousingfinance.in/investor-presentation. We request you to kindly take the same on record. Thanking you, Yours Faithfully, For Bajaj Housing Finance Limited Atul Patni Company Secretary Email id: bhflinvestor.service@bajajhousing.co.in Encl.: As above INVESTOR PRESENTATION Q2 FY27 16 Oct 2026 Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Click on the respective section to view 2 Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Synopsis The Company surpassed landmark ₹ 1.5 Lakh crore AUM milestone, driven by strong and diversified growth. Sambhav loans crossed monthly disbursement run rate milestone of 500 Cr. Overall good quarter across growth, asset quality and profitability metrics. Disbursement increased by 25% on YoY basis delivering AUM growth of 25% YoY during the quarter. In terms of profitability, PAT was 980 Cr in Q2 with growth of 18% YoY, annualized ROA stood at 2.2%, and ROE improved to 12.7%. Operating efficiency continues to improve during the quarter with opex to NTI at 19.1% in Q2 FY27 as against 19.7% in Q2 FY26. Asset quality was stable with GNPA of 29 bps and NNPA of 12 bps. Principal business criteria stood at 60.49% as of Sep’26. Scale Profitability Sustainability 1,39,862 Cr | 1,58,205 Cr 0.29% | 0.12% 980 Cr | 757 Cr AR | AUM GNPA | NNPA PBT | PAT 25% 19.1% 0.10%* AUM YoY Growth Opex to NTI Credit Cost 20 States/UTs | 223 Branches | 182 Locations 2.2%* | 12.7%* 21.24% | 60.49% Geographical Coverage RoA | RoE CRAR | PBC *Annualized 3 Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS BUSINESS METRICS ✓ Quarterly AUM growth of ₹ 8,580 Cr in Q2 ↑ 25% AUM Home Loans ↑ 22% FY27 as against ₹ 6,329 Cr for Q2 FY26 and Growth ₹ 8,918 Cr for Q1 FY27 Loan Against Property ↑ 26% ✓ Anchor products AUM growth: Home loans ₹ 1,58,205 Cr | Q2 FY27 Lease Rental Discounting ↑ 39% AUM growth improved to 22% from 20% sequentially and LRD growth was strong at Developer Finance ↑ 13% ₹ 1,26,749 Cr | Q2 FY26 39% as against 41% in Q1 Portfolio Composition by AUM ✓ AUM mix remained diversified with home ↑ 25% 1.1% loans composition at 53.9% 10.7% Disbursement HOME LOANS ✓ Good disbursements momentum during the Growth quarter with growth of 25% on YoY basis to LOANS AGAINST PROPERTY ₹ 19,935 Cr in Q2 FY27 from ₹ 15,914 Cr in Q2 FY26 (₹ 19,509 Cr in Q1 FY27) 24.0% LEASE RENTAL DISCOUNTING ₹ 19,935 Cr | Q2 FY27 53.9% DEVELOPER FINANCE ₹ 15,914 Cr | Q2 FY26 OTHERS 10.3% Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS COST OF FUNDS & LIQUIDITY ✓ COF reduced by 17 bps on sequential basis mainly due to conversion of fixed rate liabilities 7.0% COF 7.2% | Q1 FY27 BORROWING BANKS : MONEY MARKET: NHB to floating rate through Interest Rate Swaps 7.4% | Q2 FY26 MIX 35% 56% 9% Q2 FY27 ✓ Liquidity buffer was ₹ 2,487 Cr as of 30 September 2026 with liquidity coverage ratio (LCR) for the quarter at 146% as against regulatory requirement of 100% OPERATING EFFICIENCIES ✓ Opex to NTI improved by 57 bps to 19.1% in Q2 1.8% FY27 as against 19.7% in Q2 FY26 ↑ 10% ₹ 1,055 Cr | Q2 FY27 1.7% | Q1 FY27 ✓ Gross spread improved by 7 bps sequentially GROSS SPREAD NET INTEREST ₹ 956 Cr | Q2 FY26 driven largely by COF moderation of 17 bps as 1.9% | Q2 FY26 INCOME Q2 FY27 against 10 bps portfolio yield reduction ✓ Net interest margin moderation of 2 bps on sequential basis ↑ 15% ₹ 1,254 Cr | Q2 FY27 3.7% 3.7% | Q1 FY27 ✓ Full-time employee headcount stood at 2,053 NET TOTAL ₹ 1,090 Cr | Q2 FY26 NET INTEREST MARGIN as of 30 September 2026 3.9% | Q2 FY26 INCOME Q2 FY27 Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS ASSET QUALITY 0.29% ₹ 35 Cr | Q2 FY27 0.29% | Q1 FY27 ✓ Stable asset quality during the quarter with LOAN LOSSES GNPA GNPA at 29 bps & PROVISIONS ₹ 43 Cr | Q2 FY26 0.26% | Q2 FY26 Q2 FY27 ✓ Stage 2 assets stood at ₹ 440 Cr (0.31%) in Q2 FY27 as against ₹ 391 Cr (0.34%) in Q2 FY26 and it improved on sequential basis by 0.01% 0.12% 0.10% | Q2 FY27 0.12% | Q1 FY27 CREDIT ✓ Stage-3 PCR was 59.80% as of 30 September NNPA COST 0.16% | Q2 FY26 2026 0.12% | Q2 FY26 Q2 FY27 ✓ Credit cost moderated by 6 bps on YoY basis PROFITABILITY & CAPITAL ✓ Net worth stood at ₹ 24,015 Cr as of 30 2.2% September 2026 ↑ 18% ₹ 980 Cr | Q2 FY27 2.3% | Q1 FY27 ✓ Capital adequacy ratio stood at 21.24% as of 30 PROFIT September 2026, as against regulatory ₹ 833 Cr | Q2 FY26 2.3% | Q2 FY26 BEFORE TAX Q2 FY27 requirement of 15.00%, of which Tier-1 capital was 20.83% ✓ As of 30 September 2026, leverage ratio stood ↑ 18% 12.7% ₹ 757 Cr | Q2 FY27 12.5% | Q1 FY27 at 6.0 times PROFIT ROE ✓ ROE for Q2 FY27 at 12.7% as against 12.2% in Q2 ₹ 643 Cr | Q2 FY26 12.2% | Q2 FY26 AFTER TAX FY26 Q2 FY27 Table of Contents Executive Summary 1 Executive Summary Overview of Bajaj Housing Finance 2 Overview of Bajaj Housing Finance Financial Performance 3 Financial Performance Treasury Update 4 Treasury Update Business Wise Update 5 Business Wise Update Asset Quality 6 Asset Quality Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Part of Bajaj Group Bajaj Finserv Limited (Listed) 51.30%1 77.33%2 77.33%2 100% 100% 100%3 100% 100%4 Bajaj Alternate Bajaj Finance Bajaj General Bajaj Life Bajaj Finserv Bajaj Asset Bajaj Finserv Bajaj AIF Investment Limited Insurance Insurance Ventures Management Health Limited Trustee Limited Management (Listed) Limited Limited Limited Limited Limited 19.9% 80.1% 86.70% 100% 100% Bajaj Housing Bajaj Financial Bajaj Finserv Direct Vidal Healthcare Finance Limited Securities Limited Limited Services Pvt. Ltd. (Listed) 1. 54.67% holding via promoter holding & promoter group 2. 100% holding via promoter holding & promoter group 3. Bajaj Mutual Fund Trustee Ltd is a wholly owned subsidiary of Bajaj Finserv Limited, acts as Trustee to the Asset Management Company. 4. BAIML has received SEBI license to act as Portfolio Manager and is also acting as the Investment Manager to two SEBI Registered CAT II AIFs and four SEBI Registered CAT III AIFs. Note: Shareholding as of 30th Sep 2026 8 Executive Overview of Bajaj Financial Treasury Business Wise Asset Summary Housing Finance Performance Update Update Quality OVERVIEW OF BAJAJ HOUSING FINANCE Journey at a glance FY18 FY20 FY22 FY24 [Showing first 8,000 characters — download PDF for full document]