Investor presentation for the quarter ended 30 June 2026

31 July 2026 To To Corporate Relations Department. Corporate Listing Department. BSE Limited National Stock Exchange of India Ltd 1st Floor, New Trading Ring, Exchange Plaza, 5th Floor Rotunda Building, P J Tower, Plot No.C-1, G Block, Dalal Street, Fort, Bandra-Kurla Complex, Bandra (East), Mumbai 400 001 Mumbai 400 051 BSE Code: 532978 NSE Code: BAJAJFINSV Dear Sir/Madam, Sub: Investor Presentation for the quarter ended 30 June 2026 Further to our letter dated 25 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 on the financial results to be made to analysts/investors for the quarter ended 30 June 2026. We request you to kindly take the same on record. Thanking you, FOR BAJAJ FINSERV LIMITED UMA SHENDE COMPANY SECRETARY Email ID: investors@bajajfinserv.in Encl.: As above Page 1 of 1 https://www.aboutbajajfinserv.com/about-us Corporate Office: 6th Floor, Bajaj Finserv Corporate Office, Off Pune - Ahmednagar Road, Viman Nagar, Pune - 411 014, Maharashtra, India Tel: +91 20 7150 5700 | Fax: +91 20 7150 5792 Registered Office: C/o Bajaj Auto Limited Complex, Mumbai - Pune Road, Akurdi, Pune - 411 035, Maharashtra, India Corporate ID No.: L65923PN2007PLC130075 | Email ID: investors@bajajfinserv.in BAJAJ FINSERV LIMITED Investor Presentation – Q1 FY2027* *Q1 of year ending 31 March 2027 Notes: 1. The insurance subsidiaries follow Ind-AS only for the purpose of consolidation with BFS and hence where standalone details given, they are on statutory GAAP basis 2. Previous year numbers have been regrouped and/or restated wherever necessary 01. PERFORMANCE SUMMARY FOR THE QUARTER 02. BAJAJ FINSERV LIMITED – GROUP STRUCTURE AND STRATEGY 03. BAJAJ GENERAL INSURANCE LIMITED 04. BAJAJ LIFE INSURANCE LIMITED 05. EMERGING BUSINESSES INDEX a. BAJAJ FINSERV HEALTH LIMITED b. BAJAJ FINSERV DIRECT LIMITED (Marketplace and Tech) c. BAJAJ ASSET MANAGEMENT LIMITED 06. BAJAJ FINANCE LIMITED 07. BAJAJ HOUSING FINANCE LIMITED 08. ANNEXURES a. MORE ABOUT US – ONE FINSERV STORY b. ENVIRONMENTAL, SOCIAL AND GOVERNANCE c. INDIA & BFSI OPPORTUNITY PERFORMANCE SUMMARY Update for the quarter Bajaj Finserv – Performance summary Q1 FY2027 All Figures in ₹ Crore For the Quarter For the Period Particulars Q1 FY2027 Q1 FY2026 Growth FY2026 Total Revenue 42,037 35,300 19.1% 150,530 (Consolidated) Profit after Tax1 6,297 5,329 18.2% 19,669 (Consolidated) Profit after Tax2 3,132 2,789 12.3% 9,801 (Attributable to owners) Net worth 11,586 8,996 28.8% 10,181 (Standalone) Net worth 82,862 75,250 10.1% 77,915 (Consolidated) Surplus Funds 3,321 2,604 27.5% 2,393 (Standalone) PAT Includes unrealized mark-to-market (MTM) gain on equity investments measured at fair value through profit and loss of Bajaj Life and Bajaj General of ₹ 88 Crore and ₹ 94 Crore respectively, for Q1 FY2027 as compared to MTM gain of ₹ 28 Crore and ₹ 82 Crore respectively for Q1 FY2026. Also realized equity gain routed through OCI stands at ₹ 61 Crore for Bajaj General and ₹ 1 Crore for Bajaj Life for Q1 FY2027 as compared to realized gain of ₹ 133 Crore and ₹ 54 Crore for Q1 FY2026 respectively. Growth in PAT (attributable to owners), excluding MTM gain/loss and including realized equity gains booked under OCI for the quarter was 1 – Consolidated Profit for the company ; 2 – Consolidated Profit attributable to owners Bajaj General – Performance summary Q1 FY2027 [1/6] GROSS WRITTEN PREMIUM • Q1 GDPI growth at 11.6% is in line with Industry growth of 11.1% and excluding Crop & Govt. health at 10.5% vs Industry at 12.1% ↑ 11.3% ₹ 5,789 Cr | Q1 FY27 ↑ 10.3% ₹ 5,632 Cr | Q1 FY27 attributable to tactical reduction in Motor TOTAL GWP ₹ 5,202 Cr | Q1 FY26 EX. CROP & GOVT HEALTH ₹ 5,107 Cr | Q1 FY26 segment on account of elevated pricing pressure • De-growth in PAT due to lower capital gains attributable to the external Macro Environment PROFITABILITY • COR largely impacted on account of de-growth in Fire segment and higher loss ratio in Govt. Health Business ↓ 27.6% ₹ 478 Cr | Q1 FY27 16.4% | Q1 FY27 PROFIT AFTER RETURN ON EQUITY • Solvency Margin for the Company continues to be ₹ 660 Cr | Q1 FY26 21.4% | Q1 FY26 TAX (ANNUALISED) strong at 254% as against the regulatory norm of 150%; down from previous quarter on account of ROE (annualized @200% solvency) is estimated to be ~17.3% Dividend payout OTHER METRICS • Fall in AUM attributable to Buyback and Dividend payout - ₹ 1,590 Crore and ₹ 1,925 Crore respectively ↓ 0.9% 104.7% | Q1 FY27 ₹ 34,898 Cr | Q1 FY27 COMBINED ASSETS UNDER RATIO 103.6% | Q1 FY26 MANAGEMENT ₹ 35,199 Cr | Q1 FY26 GWP – Gross Written Premium COR – Combined Ratio Industry includes SAHI, Private Insurers, PSU and excludes AIC & ECGC Bajaj Life – Performance summary Q1 FY2027 [2/6] REVENUE • Financial outcomes as per our strategy – of focusing on ‘sustainable and profitable growth’ ↑ 35.1% ₹ 7,399 Cr | Q1 FY27 ↑ 17.5% ₹ 1,474 Cr | Q1 FY27 GWP ₹ 5,479 Cr | Q1 FY26 RWRP ₹ 1,255 Cr | Q1 FY26 • RWRP growth is in line with industry • Retail protection grew at 60% with 12% product mix VNB AND MARGIN • Absolute VNB and margin improvement on ↑ 86.6% ₹ 271 Cr | Q1 FY27 ↑ 4.8% 15.9% | Q1 FY27 account of higher volume, higher retail protection mix, cost optimization, yield benefit offset by GST (abs) VNB ₹ 145 Cr | Q1 FY26 11.1% | Q1 FY26 VNB MARGIN • Renewal growth continued at 18% for Q1 FY2027 OTHER METRICS • Solvency remains healthy at 285% • PAT impacted on account of lower capital gains ↑ 9.7% ₹ 143,744 Cr | Q1 FY27 ↓ 70.2% ₹ 51 Cr | Q1 FY27 attributable to the external Macro Environment and ASSETS UNDER GST impact PROFIT AFTER TAX ₹ 131,052 Cr | Q1 FY26 ₹ 171 Cr | Q1 FY26 MANAGEMENT VNB – Value of New Business RWRP – Retail Weighted Received Premium GWP – Gross Written Premium APE – Annualised Premium Equivalent Bajaj Finance – Performance summary Q1 FY2027 [3/6] REVENUE • A strong quarter across all key metrics namely volume, AUM, new customer addition, credit ↑ 22.2% ↑ 23.9% cost, profit, ROA and ROE ₹ 15,224 Cr | Q1 FY27 ₹ 546,944 Cr | Q1 FY27 NET TOTAL ASSETS UNDER • 1.61 crore new loans booked in Q1 FY2027 as INCOME ₹ 12,460 Cr | Q1 FY26 MANAGEMENT ₹ 441,450 Cr | Q1 FY26 against 1.35 Crore in Q1 FY2026, growth of 20% • 51 lakh new customers added during the quarter PROFITABILITY • PAT growth driven by lower loan losses ↑ 27.4% ₹ 5,986 Cr | Q1 FY27 ↑ 1.4% (abs) 20.4% | Q1 FY27 • Loan losses and provisions in Q1 FY2027 was ₹ 1,993 PROFIT AFTER RETURN ON EQUITY crore as against ₹ 1,969 crore in Q1 FY2026 – ₹ 4,699 Cr | Q1 FY26 TAX (ANNUALISED) 19.0% | Q1 FY26 Annualised Loan losses to Average AUF down from 1.87% in Q1 FY2026 to 1.54% in Q1 FY2027 Profit attributable to owners of the Company • FINAI remains central to our long-term vision. OTHER METRICS The phase wise implementation across businesses and functions is underway. This will help augment customer-centricity, tech transformation and ↑ 0.07% ↑ 0.11% strengthen our lowest-risk strategic framework 0.96% | Q1 FY27 0.39% | Q1 FY27 (abs) (abs) 1.03% | Q1 FY26 0.50% | Q1 FY26 GNPA NNPA AUM – Assets Under Management; GNPA – Gross Non Performing Assets; NNPA – Net Non Performing Assets; AUF – Assets under Finance Bajaj Housing Finance* – Performance summary Q1 FY2027 [4/6] REVENUE ↑ 16.5% ↑ 24.3% ₹ 1,175 Cr | Q1 FY27 ₹ 149,624 Cr | Q1 FY27 • Overall strong quarter across metrics with NET TOTAL ASSETS UNDER INCOME ₹ 1,009 Cr | Q1 FY26 MANAGEMENT ₹ 120,420 Cr | Q1 FY26 highest ever quarterly AUM growth and quarterly disbursement in Q1 FY2027 PROFITABILITY • AUM growth of 24.3% driven by 33.2% increase in disbursements on YoY basis ↑ 22.6% ↑ 0.9% (abs) ₹ 715 Cr | Q1 FY27 12.5% | Q1 FY27 • PAT growth at healthy 22.6% driven by low PROFIT AFTER RETURN ON EQUITY TAX ₹ 583 Cr | Q1 FY26 (ANNUALISED) 11.6% | Q1 FY26 loan losses and improvement in expense ratio • Capital adequacy ratio stood at 21.59% as of OTHER METRI [Showing first 8,000 characters — download PDF for full document]