Analysts/Institutional Investor Meet/Con. Call Updates

29 July 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 June 2026 Further to our letter dated 13 July 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 June 2026. Please access the live webcast of conference call scheduled to be held today i.e., 29 July 2026 at 18:30 hrs. IST at Registration | Bajaj Housing Finance Limited Q1 FY27 Earnings Conference 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 Q1 FY27 29 Jul 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 Management Assessment – FY27 7 Management Assessment – FY27 Click on the respective section to view 2 Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Synopsis Overall strong quarter across metrics with highest ever quarterly AUM growth and quarterly disbursement in Q1 FY27. Disbursement grew 33% while AUM was up 24% during the quarter and PAT growth of 23% on YoY basis. On return metrics, annualized ROA was stable at 2.3% and ROE improved to 12.5%. On operating efficiency, opex to NTI improved to 19.6% in Q1 FY27 as against 21.2% in Q1 FY26. Asset quality was resilient during the quarter with annualized credit cost at 5 bps while GNPA stood at 29 bps and NNPA at 12 bps. PBC stood at 61.46% in Q1 FY27 as against regulatory requirement of 60.00%. Scale Profitability Sustainability 1,31,162 Cr | 1,49,624 Cr 0.29% | 0.12% 929 Cr | 715 Cr AR | AUM GNPA | NNPA PBT | PAT 24% 19.6% 0.05%* AUM YoY Growth Opex to NTI Credit Cost 20 States/UTs | 224 Branches | 182 Locations 2.3%* | 12.5%* 21.59% | 61.46% Geographical Coverage RoA | RoE CRAR | PBC *Annualized 3 Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS BUSINESS METRICS ✓ Highest ever quarterly AUM growth at ₹ 8,918 ↑ 24% AUM Cr in Q1 FY27; as compared to ₹ 5,736 Cr for Home Loans ↑ 20% Growth Q1 FY26 (₹ 7,294 Cr in Q4 FY26) Loan Against Property ↑ 22% ✓ AUM growth across anchor products: Home ₹ 1,49,624 Cr | Q1 FY27 Lease Rental Discounting ↑ 41% loans AUM grew 20% and LRD grew 41% on YoY basis ₹ 1,20,420 Cr | Q1 FY26 Developer Finance ↑ 19% Portfolio Composition by AUM ✓ Well diversified portfolio composition with ↑ 33% home loans mix at 54.1% 1.1% 11.4% Disbursement ✓ Disbursements grew 33% YoY to ₹ 19,509 Cr HOME LOANS in Q1 FY27 from ₹ 14,651 Cr in Q1 FY26 Growth (₹17,506 Cr in Q4 FY26) LOANS AGAINST PROPERTY ✓ Strong disbursement growth during the 23.1% LEASE RENTAL DISCOUNTING ₹ 19,509 Cr | Q1 FY27 quarter with highest ever quarterly 54.1% disbursement of ₹ 19,509 Cr which grew 11% DEVELOPER FINANCE ₹ 14,651 Cr | Q1 FY26 on sequential basis (6% QoQ growth in Q4 FY26) OTHERS 10.3% Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS COST OF FUNDS & LIQUIDITY ✓ COF moderation of 7 bps on sequential basis 7.2% COF 7.3% | Q4 FY26 BANKS : MONEY MARKET: NHB ✓ Liquidity buffer was ₹ 2,516 Cr as of 30 June BORROWING 2026 and liquidity coverage ratio (LCR) for the 7.7% | Q1 FY26 MIX 38% 52% 10% Q1 FY27 quarter at 158% as against regulatory requirement of 100% OPERATING EFFICIENCIES ✓ Opex to NTI was 19.6% in Q1 FY27 as against 1.7% 21.2% in Q1 FY26 ↑ 9% ₹ 968 Cr | Q1 FY27 1.7% | Q4 FY26 ✓ Net interest margin dropped by 14 bps on GROSS SPREAD NET INTEREST ₹ 887 Cr | Q1 FY26 sequential basis with NII moderation 1.8% | Q1 FY26 INCOME Q1 FY27 ✓ Full time employee headcount stood at 2,025 as of 30 June 2026 ↑ 16% ₹ 1,175 Cr | Q1 FY27 3.7% 3.8% | Q4 FY26 NET TOTAL ₹ 1,009 Cr | Q1 FY26 NET INTEREST MARGIN 3.9% | Q1 FY26 INCOME Q1 FY27 Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 EXECUTIVE SUMMARY Quarterly Financial Indicators HIGHLIGHTS ASSET QUALITY 0.29% ₹ 16 Cr | Q1 FY27 0.27% | Q4 FY26 ✓ Asset quality was healthy during the quarter LOAN LOSSES GNPA with GNPA at 29 bps & PROVISIONS ₹ 38 Cr | Q1 FY26 0.30% | Q1 FY26 Q1 FY27 ✓ Stage 2 assets stood at ₹ 416 Cr (0.32%) in Q1 FY27 as against ₹ 364 Cr (0.34%) in Q1 FY26 0.12% ✓ Stage-3 PCR stood at 58.53% as of 30 June 0.05% | Q1 FY27 0.11% | Q4 FY26 CREDIT 2026 NNPA COST 0.15% | Q1 FY26 0.13% | Q1 FY26 ✓ Credit cost moderated by 10 bps on YoY basis Q1 FY27 PROFITABILITY & CAPITAL ✓ Net worth stood at ₹ 23,234 Cr as of 30 June 2.3% 2026 ↑ 23% ₹ 929 Cr | Q1 FY27 2.3% | Q4 FY26 ✓ Capital adequacy ratio stood at 21.59% as of 30 PROFIT June 2026, as against regulatory requirement ₹ 757 Cr | Q1 FY26 2.3% | Q1 FY26 BEFORE TAX Q1 FY27 of 15.00%, of which Tier-1 capital was 21.17% ✓ As of 30 June 2026, leverage ratio stood at 5.8 times and debt-to-equity ratio at 4.8 times ↑ 23% 12.5% ₹ 715 Cr | Q1 FY27 12.2% | Q4 FY26 ✓ ROE for Q1 FY27 at 12.5% as against 11.6% in Q1 PROFIT ROE FY26 ₹ 583 Cr | Q1 FY26 11.6% | Q1 FY26 AFTER TAX Q1 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 Management Assessment – FY27 7 Management Assessment – FY27 Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 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%4 Bajaj Alternate Bajaj Finance Bajaj General Bajaj Life Bajaj Finserv Bajaj Asset Bajaj Finserv Investment Limited Insurance Insurance Ventures Management Health 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. The company received its registration certificate from SEBI to act as a Portfolio Manager on April 1, 2026, and received approval to establish funds under Category II of Alternative Investment Funds (AIF) in May 2026. The Company will act as the Investment Manager. Note: Shareholding as of 30th Jun 2026 8 Executive Overview of Bajaj Financial Treasury Business Wise Asset Management Summary Housing Finance Performance Update Update Quality Assessment - FY27 OVERVIEW OF BAJAJ HOUSING FINANCE Journey [Showing first 8,000 characters — download PDF for full document]