Updates

4 July 202 6 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: Business Responsibility and Sustainability Report for FY202 6 Pursuant to Regulation 34(2)(f) of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, please find enclosed herewith Business Responsibility and Sustainability Report for the financial year ended 31 March 202 6 including assurance report (Reasonable and Limited) by SGS India Private Limited , which also forms part of Annual Report FY202 6. The aforesaid document is also available on Company’s website at https://www.bajajhousingfinance.in/annual -reports . We request you to kindly take this 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 Cc: Catalyst Trusteeship Ltd., Pune (Debenture Trustee) Business Responsibility & Sustainability Reporting SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1. Corporate Identity Number (CIN) of the Listed Entity L65910PN2008PLC132228 2. Name of the Listed Entity Bajaj Housing Finance Limited (Referred to as 'the Company'/'BHFL') 3. Year of incorporation 2008 4. Registered office address Bajaj Auto Limited Complex, Mumbai- Pune Road, Akurdi, Pune – 411035, Maharashtra 5. Corporate address 5th Floor, B2, Cerebrum IT Park, Kumar City, Kalyani Nagar, Pune – 411014, Maharashtra 6. E-mail bhflinvestor.service@bajajhousing.co.in 7. Telephone 020-71878060 8. Website https://www.bajajhousingfinance.in 9. Financial year for which reporting is being done 2025-2026 10. Name of the Stock Exchange(s) where shares BSE Limited and National Stock Exchange of India are listed Limited 11. Paid-up Capital 8,328.66 crore* 12. Name and contact details (telephone, email address) Name and designation Atul Patni of the person who may be contacted in case of any of the person Company Secretary queries on the BRSR report Contact Details 020-71878060 Email ID atul.patni@bajajhousing.co.in 13. Reporting boundary-Are the disclosures under Standalone basis this report made on a standalone basis (i.e. only for the entity) or on a consolidated basis (i.e. for the entity and all the entities which form a part of its consolidated financial statements, taken together). 14. Name of assessment or assurance provider SGS India Private Limited 15. Type of assessment or assurance obtained BRSR Core: Reasonable assurance BRSR Non-Core: Limited assurance *Net of 36,72,613 equity shares of 10 each held in trust for employees under employee stock option plan scheme. II. Products/services 16. Details of business activities (accounting for 90% of the turnover) No. Description of Main Activity Description of Business Activity % of Turnover of the entity 1. Financial and Insurance Services Other Financial activities 100.00% 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover) No. Product/Service NIC Code % of Total Turnover contributed 1. Activities of house financing companies 65922 100.00% III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated Number of Location Number of Plants# Offices* Total National 226* 226 Not applicable International Nil Nil # BHFL is not engaged in manufacturing activities and accordingly it does not have any plants. *Includes corporate office and branches as on 31 March 2026. 110 18th Annual Report 2025-26 Corporate Statutory Financial Overview Reports Statements Section A Section B Section C 19. Markets served by the entity a. Number of locations Location Number National (No. of States) 18 States and 2 Union Territories (UTs) International (No. of Countries) Nil b. What is the contribution of exports as a percentage of the total turnover of the entity? Nil. BHFL doesn’t have export business operations. c. A brief on types of Customers BHFL is one of the largest housing finance companies with diversified mortgage product suite for retail as well as commercial clients. It is focused on building sustainable mortgage business with scalable Balance Sheet and low-risk business Model. The Company’s full mortgage product suite spans across: • Home Loans • Loans Against Property • Lease Rental Discounting • Developer Financing; and • Others, covering non-collateralised loans. Under its retail product suite, BHFL caters to all customer types i.e. salaried, self-employed and professional across all customer segments (prime as well as non-prime) by offering all transaction types of purchase, resale, self-construction and balance transfer. The Company covers the entire spectrum of retail mortgage products. In the commercial product suite, the Company offers Lease Rental Discounting (LRD) on commercial, retail, warehousing and industrial properties to commercial clients spanning across developers, high net worth individuals (HNI) and corporates and its Developer Financing (DF) product covers both residential as well as commercial construction finance offering to real estate developers. This product suite covers the entire spectrum of commercial real estate needs from greenfield assets to stabilized assets. Prime home loans and LRD are the two anchor products of the Company which deliver scale as well as low risk with higher mix of low-risk salaried customers in home loans portfolio coupled with marquee and good rated customer mix in LRD portfolio spanning across REITs, sovereign wealth funds, large corporates and large commercial developers — all of which enable maintain a lower Gross NPA at the overall level. IV. Employees 20. Details as at the end of Financial Year a. Employees and workers (including differently abled) Male Female No. Particulars Total (A) No. (B) % (B / A) No. (C) % (C / A) Employees 1. Permanent (D) 2,052 1,917 93.42% 135 6.58% 2. Other than Permanent (E)* 2,704 2,471 91.38% 233 8.62% 3. Total employees (D+E) 4,756 4,388 92.26% 368 7.74% Workers 4. Permanent (F) 5. Other than Permanent (G) NA 6. Total workers (F+G) *Includes fixed term contract employees. NA: BHFL is engaged in financial services businesses which do not require services of workers. b. Differently abled Employees and workers Male Female No. Particulars Total (A) No. (B) % (B / A) No. (C) % (C / A) Differently abled Employees 1. Permanent (D) 1 1 100% 0 0 2. Other than Permanent (E) 0 0 0 0 0 3. Total differently abled employees (D+E) 1 1 100% 0 0 Differently abled Workers 4. Permanent (F) 5. Other than Permanent (G) NA 6. Total differently abled workers (F+G) NA: BHFL is engaged in financial services businesses which does not require services of workers. Note: Basis disability certificates voluntarily disclosed by employees. 21. Participation/Inclusion/Representation of women No. and percentage of Females Total (A) No. (B) % (B / A) Board of Directors 8 1 12.50% Key Management Personnel* 3 0 0% Note: The above information pertains as on 31 March 2026. *Key Managerial personnel are as per section 203(1) of the Companies Act, 2013 22. Turnover rate for permanent employees and workers (Disclose trends for the past 3 years) FY2026 FY2025 FY2024 Male Female Total Male Female Total Male Female Total Permanent Employees 30% 18% 30% 39% 47% 40% 40% 24% 39% Permanent Workers NA NA NA NA NA NA NA NA NA NA: BHFL is engaged in financial services businesses which do not require services of workers. Note 1: The turnover rate has been calculated as per the guideline provided by SEBI. Note 2: The turnover of employees in FY2026 would have been at 28.39% excluding Bajaj Group (Bajaj Holdings & Investment Limited, along with its subsidiaries and associates, including the subsidiaries of its associates) transfer. V. Holding, Subsidiary and Associa [Showing first 8,000 characters — download PDF for full document]