Investor Presentation for the Quarter ended 31 March 2026

Q4 FY26 consolidated highlights: - AUM grew 22% y-o-y to ₹509,975 crore, crossing ₹5 lakh crore milestone. - New loans booked increased 20% y-o-y to 12.89 million. - Customer franchise reached 119.33 million with 3.93 million new additions in Q4. - Profit before tax rose 26% y-o-y to ₹7,552 crore; profit after tax up 27% to ₹5,660 crore. - Annualised ROA improved to 4.7%, ROE to 20.0%. - Operating expenses to net total income stable at 33.2%. - Loan losses and provisions decreased to 1.75% of average AUF. - Cost of funds improved to 7.41%. - FY26 consolidated PBT grew 23% to ₹27,630 crore; PAT up 24% to ₹20,689 crore. - Bajaj Housing Finance AUM up 23% to ₹140,706 crore; PAT grew 20% to ₹669 crore in Q4. - Bajaj Financial Securities AUM up 77% to ₹7,984 crore; PAT up 50% to ₹54 crore. - Management optimistic on FY27 with expected AUM growth of 22-24%, credit cost 1.45%-1.60%, and ROE 19%-20%. - Strong capital adequacy: consolidated CRAR 21.55%, Tier 1 at 20.67%. - Continued AI-driven transformation (FINAI) to enhance efficiencies and customer engagement.