Interim report
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II HOUSING FINANCE ... 16 October 2026 To. To, The Manager The Manager Listing Department Listing Department SSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers. Exchange Plaza. C-1 Block G Dalal Street Sandra - Kurla Complex. Sandra (East) Mumbai - 400 001 Mumbai - 400 051 BSE Code: 544252 NSE Code: BA:JA:JHFL - EQ Dear Sir/Madam. Sub: Outcome of Meeting of Board of Directors held on 16 October 2026 In terms of provision of Regulation 30 read with Regulation 51 (Part A and B of Schedule Ill) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015. c·sEBI Listing Regulations. 2015"), as amended, this is to inform you that the Board of Directors of the Company, at its meeting held today, i.e. Friday, 16 October 2026 have approved the unaudited financial results of the Company prepared as per Indian Accounting Standard (Ind AS) for the quarter and half year ended 30 September 2026. Further as per SEBI Listing Regulations. 2015. following documents are enclosed: i. Unaudited financial results along with limited review report pursuant to Regulation 33 and Regulation 52 of SEBI Listing Regulations. 2015. The limited review report is submitted with unmodified opinion(s); I ii. Details as per Regulation 52(4) of SEBI Listing Regulations. 2015; iii. Press release regarding financial performance; iv. Security Cover certificate as per Regulation 54(3) of SEBI Listing Regulations. 2015 read with SEBI Master Circular dated 28 September 2026; v. A statement as per Regulation 52(7) and (7A) of the SEBI Listing Regulations. 2015, read with SEBI Master Circular dated 11 0uly 2025; vi. Certificate from CFO on use of proceeds from issue of Commercial papers: and vii. � Regulation 23(9) of SEBI Listing Statement of Related Party Transactions pursuant to pr'?visions o Regulations, 2015. The meeting commenced at 02.00 p.m. and concluded at D.�:°J� p.m. � • The above information is also being uploaded on the Company's website. We request you to kindly take the same on record. Thanking you. Yours Faithfully, Company Secretary tor.servi a.in Cc: Catalyst Trusteeship Limited. Pune (Debenture Trustee) Encl.: As above BA:JA:J HOUSING FINANCE LTD. www.baJaJhousingfinance.in Corporate Office: 5th F loor, B2 Building, Cerebrum IT Park, Kumar City. Kalyani Nagar, Pune 411014. Maharashtra Registered Office: 4th Floor. Bajaj Finserv House, Off Pune-Ahmednagar Road, Viman Nagar, Pune 411014. Maharashtra Corporate Identity Number (CIN): L65910PN2008PLC132228 Tel: +91 20718 78060 I Email: bhflwecare@bajajhousing.co.in
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Singhi & Co. Chartered Accountants 82 4028, Marathon lnnova, 4th Floor Off Ganpatrao Kadam Marg, Lower Parel, Mumbai-400013, India Mukund M. Chitale & Co. Chartered Accountants 2"d Floor, Kapur House, Paranjape B Scheme Road No. 1, Vile Parle (E), Mumbai - 400 057, India Independent Auditors' Limited Review Report on the Unaudited Financial Results of Bajaj Housing Finance Limited for the quarter and half year ended September 30, 2026 pursuant to the Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, (as amended) To the Board of Directors of Bajaj Housing Finance Limited 1) We have reviewed the accompanying statement of unaudited financial results. of Bajaj Housing Finance Limited ('the Company') for the quarter and half year ended September 30, 2026 (the 'Statement'), being submitted by the Company pursuant to the requirements of Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended ("the Listing Regulations"), including relevant circulars issued by the SEBI from time to time. 2) This Statement, which is the responsibility of the Company's Management and approved by the Company's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34 'Interim Financial Reporting' ('Ind AS 34'), prescribed under Section 133 of the Companies Act, 2013, as amended (the 'Act') read with relevant rules issued thereunder and other accounting principles generally accepted in India and is in compliance with the preparation and disclosure requirements of Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review. 3) We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410, "Review of Interim Financial Information Performed by the Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India. This Standard requires that we plan and perform the review to obtain moderate assurance as to whether the statements are free of material misstatement. A review of interim financial information consists of making inquiries, primarily of personnel responsible for financial and accounting matters and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under section 143(10) of the Companies Act 2013, and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.
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Singhi & Co. Chartered Accountants Mukund M. Chitale & Co. Chartered Accountants 4) Based on our review conducted as stated above, nothing has come to our attention that causes us to believe that the accompanying Statement prepared in accordance with recognition and measurement principles laid down in the aforesaid Indian Accounting Standards 34 ('Ind AS 34') specified under Section 133 of the Act, as amended, read with relevant rules iss.ued thereunder and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Regulation 33 and 52 of the Listing Regulations, including the manner in which it is to be disclosed, or that it contains any material misstatement. For Singhi & Co. Chartered Accountants Firm's Registration No. 302049E Membership Number 040404 ,,... e 00 UDIN: .2,(;>{) L.i 0 4 0'-fITFW V\/-:. \) Place: Pune Date: October 16, 2026 For Mukund M. Chitale & Co. Chartered Accountants Firm's Registration No. 106655W ~ Partner Membership Number 166003 UDIN: 2-6 \ bb cog( E :r 'I Nu st 19 Place: Pune Date: October 16, 2026
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 Statement of Profit and Loss (f incrore) Particulars Quarter ended Half year ended Year ended 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 ' (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Audited) 1 Income (a) Revenue from operations Interest income 3.051.74 2,856.07 2.614.44 5.907.81 5,107.03 10,511.61 Fees and commission Income 124.54 105.84 67.85 230.38 126.53 297.11 Net gain on fair value changes 24.19 22.56 28.07 46.75 66.08 86.33 Sale of services 7.79 6.70 10.16 14.49 16.61 20.57 Income on derecognised (assigned) loans 31.59 61.21 15.09 92.80 26.22 195.35 other operatini;i income 10.72 10,64 1243 21.36 18.40 36.23 Total Revenue from operations 3,250.57 3,063.02 2,748.04 6,313.59 5,360.87 11,147.20 (b) Other income 0.52 0.03 0.15 0.55 2.89 3.09 Total Income 3,251.09 3,063.05 2,748.19 6,314.14 5,363.76 11,150.29 2 Expenses (a) Finance costs 1.996.65 1.888.49 1.657.96 3,885.14 3,263.92 6,759.39 (b) Fees and commission expense 3.13 3.00 3.48 6.13 6.69 13.09 (c) Impairment on financi al instruments 34.78 16.10 42.85 50.88 81.06 190.68 (d) Employee benefits expense 162.43 155.61 136.09 318.04 271.71 559.21 (e) Depreciation and amortisation expenses 13.37 12.85 11.70 26.22 22.79 47.33 (f)Otherexpenses 61.00 58.26 63.45 119.26 127.99 247.43 Total expenses 2,271.36 2,134.31 1,915.53 4.405.67 3,774 .16 7,817.13 3 Profit before exceptional items and tax (1-2) 979.73 928.74 832.66 1,908.47 1,589.60 3,333.16 4 Exceptional items - - - - - 13.14 5 Profit before tax (3-4) 979.73 928.74 832.66 1,908.47 1,589.60 3,320.02 6 Tax expense (a) Current Tax 220.11 212.76 190.83 432.87 383.81 767.95 (b) Deferred tax charge/(cred it) 2.65 0.70 (1.13) 3.35 (20.47) (8.27) Total tax expense 222..76 213.46 189.70 436.22 363.34 759.68 7 Profit after tax (5-6) 756.97 715.28 642.96 1,472.25 1,226.26 2,560.34 8 other comprehensive income (a) Items tha t will not be reclassified to profit or loss (i) Re-measurement galns/(losses) on defined benefit plans - 0.01 (0,48) 0.01 (0.96) 0.03 (Ii) Tax impact on above - - 0.12 - 0.24 (0.0,) (b) Item s that will be reclassified to profit or loss (IJ Gains/(lossesJ on Investments in debt instruments (4.95) 13.93 (20.34) 8.98 (13.78) (25.71) measured at FVOCI (ii) Tax impact on above 1.25 (3.51) 5.12 (2.26) 3.47 6.47 Total other comprehensive income, net of tax (3.70) 10.43 (15.58) 6.73 (11.03) (19.22) 9 Total comprehensive income (7+8) 753.27 725.71 627.38 1,478.98 1,215.23 2,541 .12 10 Paid-up Equity Share Capital (Face Value of~ 10 each) 8.329.00 8,328.76 8.328.61 8.329 .00 8.328.61 8.328.66 11 other equity 14,194.13 12 Earnings per share (not annualised for interim period) Basic (t) 0.91 0.86 o.n 1.n 1.47 3.07 Diluted Ct) 0.91 0.86 0.77 1.n 1.47 3.07
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 Notes: 1 A 1 2 B 1 2 3 Disclosure of balance sheet as per Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. as amended Particulars ASSETS Financial assets (a) Cash and cash equivalents (b) Bank balances other than cash and cash equivalents (c) Derivative financial instruments (d)Trade receivables (e) Loans (f) Investments (g) Other financial assets Sub-total - Financial assets Non-financial assets (a) Current tax assets (net) (b) Deferred tax assets (net) (c) Property, plant and equipment (d) Intang ible assets under development (e) Other Intangible assets (f) Other non-fina ncial assets Sub-total - Non-financial assets Total - Assets LIABILITIES AND EQUITY Liabilities Financial liabilities (a) Derivative financial instruments (b) Trade payables i. Total outstand ing dues of micro enterprises and small enterprises ii. Total outstanding dues of creditors other than micro enterprises and small enterprises (c) Other payables i. Total outstand ing dues of micro enterpr ises and small ente rprises ii. Total outstanding dues of creditor s other than micro enterprises and small enterprises (d) Debt securities (e) Borrowings (other than debt securities) (f) Deposits (g) Other financ ial liabilities Sub-total - Financial liabilities Non-financial liabilities (a) Current tax liabilities (net) (bl Provisions (c) Other non- financial liabilities Sub-total - Non-financial liabilities Equity (a) Equity share capital (b) Other equity Sub-total - Equity Total - Liabilities and Equity "' 9 MBAI : '} t 7-i> '# ~--?fOACCO.;s (fin crore) Asat Asat Asat 30.09 .2026 30.09.2025 31.03.2026 (Unaudited) (Unaudited) (Audited) 112.36 136.56 161.80 3.81 3.80 3.80 8 .03 - - 42.12 26.82 27.80 1,39.861 .92 1,13.059.49 1,23,745.05 2.376 .90 2,129.42 2,502.21 534.58 337.07 440.18 1,42,939.72 1, 15,693.16 1,26,880 .84 37.19 53.28 25.27 49.47 67.07 56.35 114.84 102.97 110.95 2.60 1.36 0.15 41.88 39.27 43.12 25.83 19.36 30.37 271.81 283.31 266.21 1,43,211.53 1,15,976.47 1,27,147 .05 48.09 - 61.58 - 0.14 - 150.77 121.96 126.10 - - - 148.58 117.44 155.92 65,368.74 50,865.55 51,014.71 52.807 .97 43.147.74 52,642.08 81.88 47.99 47.20 348.50 308.31 367.32 1.18,954.53 94,609.13 1,04,414.91 104.42 111.19 73.03 83.93 47.27 70.53 45.35 28.59 65.79 233.70 187.05 209.35 8.329 .00 8,328 .61 8,328.66 15,694 .30 12.851.68 14.194.13 24,023.30 21,180.29 22,522.79 1,43,211.53 1,15,976.47 1,27.147 .05
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 Notes: 2 Disclosure of statement of cash flows as per Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015 as amended (? in crore) Half Year ended Half Year ended Year ended Particulars 30.09.2026 30.09.2025 31.03.2026 (Unaudited) (Unaudited) (Audited) A. Cash flow from operating activities Profit before tax 1,908.47 Adjustments for- 1,589.60 3,320.02 Interest income (5,907.81) (5.107.03) (10,511.61) Depreciation and amortisation expenses 26.22 22.79 47.33 Impairment on fina ncial instruments (Gross of recoveries) 52.12 90.75 204.14 Finance costs 3,885.14 3,263.92 6.759.39 Share based payment expenses 19.69 15.71 32.06 Net loss on disposal of property. plant and equipment and intangible assets 0.44 0.30 0.91 Service fees for management of assigned portfolio of loans (14.49) (16.61) (20.57) Income on derecognised (assigned) loans (92.80) (26.22) (195.35) Net (gain)/ loss on fair value changes (46.75) (66.08) (86.33) (169.77) (232.87) (450.01) Cash inflow from interest on loans 5,769.63 4.963.10 10.200.15 Cash inflow from interest on Investments and fixed deposits 95.66 146.94 233.66 Cash inflow from servicing on assigned loans 25.69 26.75 52.52 Cash outflow towards finance cost (4.005.75) (2,998.37) (6,234.03) Cash generated from operation before working capital changes 1,715.46 1,905.55 3,802.29 Working capital changes: (Increase) I decrease in bank balances other than cash and cash equivalents (0.01) (3.65) (3.65) (Increase)/ decrease in trade receivables (14.38) (4.96) (5.94) (Increase)/ decrease in loans (16.066.10) (13,557.14) (24,231.16) (Increase) / decrease in investments measured under FVTPL 48.79 218.12 1,202.06 (Increase)/ decrease in other financial assets (75.86) 7.37 6.97 (Increase) I decrease in other non-financial assets 4.54 (5.89) (16.90) Increase/ (decrease) in trade payables 24.67 45.64 49.64 Increase/ (decrease) in other payables (7.34) 13.15 51.63 Increase/ (decrease) in other financial liabilities (20.63) (182.59) (123.97) Increase/ (decrease) in provisions 13.67 (1.09) 22.97 Increase/ (decrease) in other non-financial liabilities (20.44) (6.17) 31.03 (14,397.63) (11.571.66) (19,215.03) Income taxes paid (net of refunds) (412.12) (286.80) (679.83) Net cash used in operating activities (A) (14,809.75} (11,858.46} (19,894.86} 8. Cash flow from investing activities Purchase of property , plant and equipment (14.28) (12.08) (31.26) Sale of property . plant and equipment 2.66 2.29 4.67 Purchase of other intang ible assets and intang ible assets under development (8.89) (6.69) (16.68) Purchase of investments measured under amortised cost (41,766.89) (16,274.44) (43,584.04) Proceeds from liquidation of investments measured under amort ised cost 41.766.89 16,274.44 43,584.04 Purchase of investments measured under FVOCI (2,749.77) (687.54) (3.763.78) Proceeds from liquid ation of investments measured under FVOCI 2.884 .24 877.30 2.605.37 Net cash generated from /(used in) investing activities (B) 113.96 173.28 (1,201.68) C. Cash flow from financing activities Issue of equity share capital (including securities premium) 1.85 2.55 2.81 Long term borrowings availed 24.351.84 17,764.73 35.419.55 Long term borrowings repaid {9,700.07) (8.974.24) (17,790.55) Short term borrowings availed (net) (33.42) 2,964.09 3,571.56 Deposits received (net) 35.08 10.55 9.23 Payment of lease liability (8.93) (7.57) (15.89) Net cash generated from financing activities (C) 14,646.3S 11,760.11 21,196.71 Net increase/ (decrease) in cash and cash equivalents (A+B+C) (49.44) 74.93 100.17 Cash and cash equivalents at the beginning of the period 161.80 61.63 61.63 Cash and cash equivalents at the end of the period 112.36 136.56 161.80 Cash and cash equivalents comprises of: Cash on hand - - - Balances with banks: In current accounts 112.36 136.56 161.80 Total cash and cash equivalents 112.36 136.56 161.80
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 Notes: 3 The above results have been reviewed by the Audit Committee and approved by the Board of IOirectors at its meeting held on 16 Octobe r 2026 and subjected to limited review by joint statutory auditors pursuant to Regulation 33 and 52 of SEBI (List ing Obligations and Disclosure Requirements) Regulations. 2015. as amended . The financial resu lts of the Company have been prepared in accordance with Indian Accounting Standards prescribed under Section 133 of the Companies Act. 2013 read with the Companies (Indian Accounting Standards) Rules 2015. as amended from time to t ime and other recognised accounting practi ces generally accepted in India along with the circulars. guidelines and directions issued by Reserve Bank of India (RBI) and the National Housing Bank (NHS) from time to time. These financial results ar,e available on the website of the Company viz. www.bajajhousingfinance.in and on the website of SSE Limited (www.bseindia.com) and National Stock Exchange of India Limited (www.nseindia.com). 4 All the secured non-convertible debentures of the Company including those issued during the half year ended 30 September 2026 . are fully secured by hypothecation of book debts/loan receiv ables to the extent as stated in the respective information memorandum . Furthe r. the Company has at all times. for the non convertible debentures issued , maintained asset cover as stated in the respective information memorandum which is sufficient to discharge the principal amount. interest accrued thereon and such other sums as mentioned therein. The details for security cover as per the format prescribed by the SEBI vide Master circular dated 28 September 2026 is attached in Annexure-1. 5 The Company is engaged primarily in the business of financing and accordingly there are no separate reportable segments as per Ind AS 108 dealing with Operating Segment. 6 Disclosure pertaining to Resolution Framework for COVID-19 related stress and resolut ion framework - 2.0: Resolut ion of Covid-19 related stress of Individuals and Small Businesses to read with Reserve Bank of India (Non-Banking Financial Companies - Resolution of Stressed Assets) Directions dated 28 November 2025 (fin crore) Exposure to Exposure to accounts Of (A). classified as aggregate debt Of (A) amount Of (A) amount paid accounts classified written off as Standard Standard that slipped by the borrowers Type of consequent to into NPA during during the half year consequent to borrower Implementation of during the half the half year ended 30 implementation of ended 30 resolution plan -resolution plan - year ended 30 September 26 # September 26* Position as at 30 Position as at 31 September 26 March 26 (A) s September 26 Personal Loans 181.04 4.21 0.01 16.11 160.72 Corporate persons 1.22 0.51 - 0.02 0.69 of which. MSMEs 0.16 - - 0.04 0.12 Others 1.06 0.51 - (0.02) 0.57 Total 182.26 4.72 0.01 16.13 161.41 $ Includes restructuring implemented pursuant to OTR 2.0 for personal loans.individual business loans and small business loans. # Represents debt that slipped into stage 3 and written off during the half year ended 30 September 2026 • Represents receipts net of interest accruals and drawdown. if any.
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 7 Disclosures pursuant to the Reserve Bank of India (Non-Banking Financial Companies - Transfer and Distribution of Credit Risk) Directions and the Reserve Bank of India (Non-Banking Financ ial Companies - Financial Statements: Presenta t ion and Disclos ures) Directions dated 28 November 2025 as amended from time to time. (al Details Qf IQa □ s (□ Qt in default) transferred tbrQygb assignme □ tllQa □ Qacti!:.iQatiQll For the half year Particulars ended 30 September 2026 Retention of benefic ial economic interest (MRR)* 1%to35% Number of accounts assigned 2,713 Amount of loan account assigned (tin crore) 4,056.46 Weighted average residual maturity (in months) 127.14 Weighted average holding period (in months) 17.03 Coverage of tangible security 100% Rating-wise distr ibution of rated loans Unrated • Retained by the originator (bl IJetails Qf lgaos (ogt io defa!.!ltl iil!cQ!.!iml tbrQ!.!gb assignmeotl! Qiil □ Qacti1:ci12atiQll For the half year Particu lars ended 30 September 2026 Beneficial economic Interest acquired • 90% Number of accounts acquired 14,428 Amount of loan account acquired (t in crore) 2,660.36 Weighted average residual maturity (in months) 212.92 Weighted average holding period (in months) 22.94 Coverage of tangible security 100% Rating-wise distribution of rated loans Unrated • Acquired by the assignee (c) The Company has not acquired/transferred any stressed loan during the half year ended 30 September 2026. (d) Details Qf Co-Lending 8rrangements (CL.A) as a Qactner BE Particulars Asat 30 September 2026 1. Quantum of CLAs (I) Number of CLA partners 1 (ii) Number of outstanding cases 9 (iii) Amount of Gross Loan Assets Outstanding (tin crore)* 2.62 2. Weighted average rate of interest 7.53% 3. Fees paid during the half year(~ In crore) - 4. Broad sectors in which CLA was made 5. Performance of loans under CLA • Housing Finance (i) Stage 1 & 2 100.00% (li)Stage 3 0.00% 6. Details related to default loss guarantee Nil *Net of write off 0 ~t,,..iHOl:.s,~ :-.::~G c-o - ~\~ . CH/r~ ~ ~ j 0 '* ~'i°f, <f" I * c:{ j l gso ·ef} i 0 I* BAI ~ , ~ # ')) ~ Cl ,_ :.:'/f·,111 3() ~ ,;j -:i:- ~
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Bajaj Housing Finance Limited Statement of unaudited financial results for the Quarter and Half year ended 30 September 2026 8 In accordance with the Reserve Bank of India (Non-Banking Financial Companies - Resolution of Stressed Assets) Directions. dated 28 November 2025. no resolution plans have been implemented during the quarter and half year ended 30 September 2026 in projects financed on or after 1 October 2025 . Hence. no disclosu re is required pertaining to projects financed under the Reserve Bank of India (Non-Banking Financial Companies - Financial Statements : Presentation and Disclosures) Direct ions. dated 28 November 2025 as amended from time to time. 9 As per the Reserve Bank of India (Non-Bank ing Financial Companies - Income Recognition. Asset Classification and Provisioning) Directions. 2025. where impairment allowance under Ind AS 109 is lower than the IRACP norms. the Company shall appropriate the difference from its net profit or loss after tax to a separate 'Impairment Reserve'. Accord ingly, Impairment Reserve of ~ 25.09 crore has been created . 10 The Company does not have any subsidiary/associate/joint venture entity(i es). hence consolidation is not applicable. 11 Disclosures in compliance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015 for the quarter and half year ended 30 September 2026 and 30 September 2025 is attached as Annexure -11. • 12 Figures for the previous periods have been regrouped. wherever necessary. to make them comparable with the current period. 13 The Company has designated an exclusive email ID viz. bhflinvestor.service@bajajhousing.co.in for investor grievance redressal. Pune By order of the Board of Directors :._~ ~ For Bajaj Housing Finance Limited '--'(l o~ -- <51,,: ;\ ~ · l"\ ~ j ~ Atul;Jain 16 October 2026 Managing Director DIN: 09561712 CIN : L65910PN2008PLC132228 Registered Office: 4th Floor, Bajaj Finserv House. Off Pune-Ahmednagar Road, Viman Nagar, Pune - 411 014 Corporate Office : 5th Floor. 82 Cerebrum IT Park. Kumar City, Kalyani Nagar. Pune - 411 014 Tel. : 020-71878060 E-mail: bhflinvestor .service@bajajhousing.co.in I Website: www.bajajhousingfinance.in
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Bajaj Housing Finance Limited Statement of unaudited fin ancial results for the Quarter and Half year ended 30 Septemb er 2026 Annexure-11 Disclosure in compliance with Regulation 52 (4) of the SEBI (Listing Obligation and Disclosure Requirements) Regulation. 2015 as amended For the quarter For the half year For the quarter For the half year Particulars ended ended ended ended 30 September 2026 30 September 30 September 2025 30 September 2026 2025 1. Debt-Equity ratio [Debt securities+Borrowings (other than debt 4.92 4.44 securltles)+Deposits] / Total Equity 2. Outstanding redeemable preference shares (quantity and value) The Company has not issued any preference shares. 3. Debenture redemption reserve Not Applicable 1 4. Capital redemption reserve Not Applicable 5. Net Worth [As per sec. 2(57) of the Companies Act 2013] (, in crore) 24,015.22 21.169.67 6. Net Profit after tax (tin crore) 756.97 1.472.25 642.96 1.226.26 7. Earnings per share [not annualised] Basic {t) 0.91 1.n o.n 1.47 Diluted (t) 0.91 1.77 o.n 1.47 8. Total debts to total assets [Debt securities+Borrow ings (other than 0.83 0.81 debt securities)+Deposits] / Total Assets 9. Net Profit Margin percent [Profit after tax/ Total Income] 23.28% 23.32% 23.40% 22.86% 10. Other Ratio (a) Gross NPA {stage 3 asset gross) ratio 0.29% 0.26% (b) Net NPA (stage 3 asset, net) ratio 0.12% 0.12% {c) Provision coverage (on stage 3 asset) ratio 59.80% 55.64% (d) Capital to risk-weighted assets ratio 21.24% 26.12% (Regulatory requirement-15%) (e) Liquidity Coverage Ratio 146.25% 152.64% 175.73% 190.60% (Regulatory requlr ement-100%) Note : 1. According to Rule 18 (7)(b)(lll)(B)A of the Companies (Share Capital and Debentures) Rules. 2014, as amended, no Debenture Redemption Reserve is required to be created in the case of privately placed debentures Issued by the Company which is a HFC registered with NHS. 2. Debt Service Coverage Ratio. Interest Service Coverage Ratio, Current ratio. Long term debt to working capital. Bad debts to Accounts receivable ratio, Current liability ratio . Debtors turnover . Inventory turnover and Operating margin percent are not relevant to the Company.
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• HOUSING FINANCE ... ,.. PRESS RELEASE Financial Results for 02 FY27 Bajaj Housing Finance surpassed landmark tt.5 Lakh crore AUM milestone, driven by strong and diversified growth, reinforcing its position as one of India's leading Housing Finance Companies A meeting of the Board of Directors of Bajaj Housing Finance Limited was held today to consider and approve the unaud ited financial results for the quarte r ended 30 September 2026. Particulars Q2FY27 Q2FY26 Growth H1FY27 H1FY26 HoH FY26 Disbursements f~ in crore] 19.935 15.914 25% 39.444 30.565 29% 64,616 Assets under Management (tin croreJ 1,58,205 1,26.749 25% 1,58,205 1,26.749 25% 1.40.706 Loan Assets (~ in croreJ 1.39.862 1.13.059 24% 1.39.862 1.13,059 24% 1,23.745 Net Worth ft in croreJ 24.015 21.170 13% 24,015 21.170 13% 22,527 ROA (Annualised) 2.2% 2.3% 2.2% 2.3% 2.3% ROE (Annualised) 12.7% 12.2% 12.6% 11.9% 12.1% GNPA 0.29% 0.26% 0.29% 0.26% 0.27% -Product Wise AUM - ~ .. ' 02FY27 Q2FY26 Growth Home Loans 85.224 69,845 22% Loan aaainst property 16.382 12.985 26% Lease rental discounting 37.988 27.290 39% Developer Finance 16.904 14,928 13% Others 1.707 1.701 0% Total 1,58,205 1,26,749 25% c,in crore) Performance Highlights - 02 FY27 ► Assets under Management grew by 25% to t 1.58.205 crore as of 30 September 2026 from t 1.26.749 crore as of 30 September 2025 . ► Net interest income increased by 10% in 02 FY27 to t 1.055 crore from f 956 crore in 02 FY26. ► Net total income increased by 15% in 02 FY27 to f 1,254 crore from f 1.090 crore in 02 FV26. ► Operating Expenses to Net Total Income for 02 FY27 was 19.1% as against 19.7% in 02 FY26. ► Loan losses and provisions for 02 FY27 was t 35 crore as against t 43 crore in 02 FY26. ► Profit before tax increased by 18% in 02 FY27 to 't 980 crore from 't 833 crore in 02 FY26. ► Profit after tax increased by 18% in 02 FY27 to f 757 crore from ~ 643 crore in 02 FY26. ► Gross NPA and Net NPA as of 30 September 2026 stood at 0.29% and 0.12% respectively . as against 0.26% and 0.12% as of 30 September 2025. Provisioning coverage ratio on stage 3 assets was -60% . ► Capital adequacy ratio (including Tier-II capital) as of 30 September 2026 was 21.24%. ► The Company enjoys the highest credit rating of AAA/Stable for its long-term debt programme from CRISIL and India Ratings and A1+ for short-term debt programme from CRISIL and India Ratings. BA:JA:J HOUSING FINANCE LTD. www .bajajhousingfinance .in Corporate Office: 5th Floor, 82 Building. Cerebrum IT Park. Kumar City, Kalyanl Nagar, Pune 411014. Maharashtra Regist ered Office: 4th Floor. Bajaj Finserv House. Off Pune -Ahmednagar Road. Viman Nagar . Puna 411014. Maharashtra Corporate Identity Number (CIN): L65910PN2008PLC 132228 Tel: +91 20718 78060 I Email : bhflwecare@bajajhousing .co_in
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Financial Snapshot Particulars Q2FY27 Q2FY26 YoY Assets under Management 1.58,205 1.26.749 25% Loan Assets 1.39,862 1.13.059 24% Interest income 3.052 2.614 17% Interest Expenses 1,997 1.658 20% Net interest income (NII) 1,055 956 10% Fees and commission income 125 69 81% Net gain on fair value changes 24 28 (14%) Sale of services and Income on de- recognised loans 39 25 56% Others* 11 12 (8%) Net total income (NTI) 1,254 1,090 15% Operating Expenses 239 214 12% Pre-provisioning operating profit 1.015 876 16% Loan losses and provisions 35 43 (19%) Profit before exceptional items and tax 980 833 18% Exceptional Item - - Profit before tax 980 833 18% Profit after tax 757 643 18% • Others include other operating income and other income H1FY27 1.58.205 1.39.862 5.908 3,885 2,023 230 47 107 22 2,429 470 1,959 51 1,908 - 1,908 1,472 • HOUSING FINANCE ,.. ,.. (fin crore) H1FY26 HoH FY26 1.26.749 25% 1.40.706 1.13.059 24% 1.23.745 5,107 16% 10,512 3.264 19% 6,760 1,843 10% 3,752 127 81% 298 66 (29%) 86 43 149% 216 21 5% 39 2,100 16% 4,391 429 10% 867 1,671 17% 3,524 81 (37%) 191 1,590 20% 3,333 - 13 1,590 20% 3,320 1,226 20% 2,560 Bajaj Housing Finance Limited (BHFL). a subsidiary of Bajaj Finance Limited. is a non-deposit taking housing finance company registered with the National Housing Bank since 2015 and operational since 2017. BHFL is classified as an Upper Layer NBFC under the RBl's Scale Based Regulations. The Company has been listed on the NSE and BSE since September 2024 and is regulated by the RBI. SEBI and IRDAI. and supervised by the NHB. For Bajaj Housing Finance Limited ~ Atul:Jain Pune Managing Director 16 October 2026 DIN: 0~12.: BA:JA:J HOUSING FINANCE LTD. www.bajajhous ingfinance .in Corporate Office: 5th Floor . B2 Building. Cerebrum IT Park. Kumar City , Kalyani Nagar. Pune 411014. Maharashtra Registered Office: 4th Floor, Bajaj Flnserv House . Off Pune -Ahmednagar Road, Viman Nagar. Pune 411014, Mahar ashtra Corporate Identity Number (CIN): L65910PN2008PLC132228 Tel: +91 20718 78060 I Email : bhflwecare@baj ajhousing .co.in ~
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To, The Manager Listing Department BSE Limited Phiroze Jeejeebhoy Towers Dalal Street Mumbai - 400 001 BSE Code: 973250 Dear Sir/Madam. Sub: Security Cover • HOUSING FINANCE -- 16 October 2026 Pursuant to Regulation 54(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015. read with SEBI Master Circular H0/17 /11/12(2)2026- DDHS-POD1/l/22420/2026 dated 28 September 2026. please find enclosed herewith the statement on security cover available for non-convertible debt securities as at 30 September 2026. Kindly take the above information on record . Thanking you, Yours Faithfully . or Bajaj Housing Finance Limited -- ,t~ - •r,~ , .., / .:::J Company Secretary Email id: bhflinvestor.service@bajajhousing .co.in Encl.: As above Cc: Catalyst Trusteeship Limited (Debenture Trustee . Pune) BA:JA:J HOUSING FINANCE LTD. www.bajajhousingfinance .in Cor porate Office: 5th Floor, 82 Building . Cerebrum IT Parle. Kumar City , Kalyani Nagar . Pune 411014. Maharashtra Registered Office : 4th Floor. Bajaj Finserv House. Off Pune-Ahmednagar Road. Viman Nagar. Pune 411014. Maharashtra Corporate Identity Number (CIN): L65910PN2008PLC132228 Tel: +91 20718 78060 I Email : bhflwecare@bajajhousing .co.ln
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Singhi & Co. Chartered Accountants B2 402B, Marathon lnnova, 4th Floor Off Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400013, India Mukund M. Chitale & Co. Chartered Accountants 2nd Floor, Kapur House, Paranjape B Scheme Road No. 1, Vile Parle (E), Mumbai - 400057, India Independent Auditors' Certificate on Security Cover as at September 30, 2026 under Regulation 54 read with Regulation 56(1 )(d) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (as amended) To The Board of Directors, Bajaj Housing Finance Limited Cerebrum IT Park, 82 Building.5th Floor, Kumar City, Kalyani Nagar, Pune- 411014 Dear Sir/ Madam, 1. This certificate is issued in accordance with the terms of our engagement letter dated August 7, 2024 with Bajaj Housing Finance Limited ('the Company'). 2. We Singhi & Co., Chartered Accountants and Mukund M. Chitale & Co., Chartered Accountants, are Joint Statutory Auditors' of the Company. We have been requested by the Company to certify the accompanying Statement showing 'Security Cover' for the listed non-convertible debt securities ('NCDs') as at September 30, 2026 (the "Statement") which has been prepared by the management of the Company for the purpose of its onward submissio n to Stock Exchanges in order to comply with Regulation 54 read with Regulation 56(1)(d) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 as amended vide notification No.SEBI/HO/MIRSD/CRADT/CIR/P/2022/67 dated May 19, 2022 (hereinafter collectively referred as "SEBI Regulations"), SEBI circular HO/17/11/12(2)2026-DDHS-POD1/l/22420/2026 dated September 28, 2026 and Regulation 15(1 )(t) of the Securities and Exchange Board of India (Debenture Trustees) Regulations, 1993, as amended (together referred to as the 'Regulations'). 3. The accompanying 'Statement' ("Annexure I") has been certified by management of the Company and it has been stamped and initialed by us for identification purpose only. Management's Responsibility 4. The preparation of the accompanying Statement from the unaudited books of accounts of the Company is the responsibility of the Management of the Company including the preparation and maintenance of all accounting and other relevant supporting records and documents. This responsibility includes the design, implementation and maintenance of internal Controls relevant to the preparation and presentation of the Statement, compilation of other relevant information and applying an appropriate basis of preparations and making estimates that are reasonable in the circumstances. 5. The Company's management is also responsible for ensuring that the Company complies with: a. the requirements of the Regulations and the Debenture Trust Deeds ('OTO') for all listed NCDs issued during the quarter ended / outstanding as at September 30, 2026 and for providing all relevant information to the Company's Debenture Trustee. b. ensuring maintenance of the adequate security-cover available for listed NCDs as per the Regulation 54 of LODR Regulations.
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Singh! & Co. Chartered Accountants Mukund M. Chltale & Co. Chartered Accountant accurate computation of security-cover available for listed NCDs which is based on unaudited financial results of the Company as at September 30, 2026. c. Management of the Company is also responsible for ensuring that the Company complies with all the relevant requirements of the SEBI Regulations, the circular and for providing all relevant information to the Stock Exchanges. 6. This responsibility includes ensuring that the relevant records provided to us for our examination are correct and complete. Auditors' Responsibility 7. Based on our examination of the security cover available for the listed NCDs, which has been prepared by the management from the unaudited financial results for the quarter ended September 30, 2026 and relevant records provided by the Company, pursuant to the requirements of the SEBI Regulations and the circular, it is our responsibility to provide a limited assurance as to whether as at September 30, 2026, the Company has maintained security cover as per the terms of the Information Memorandum I Placement Memorandum/ General Information Document/ Key Information Document and Debenture Trust Deeds. This did not include the evaluation of adherence by the Company with all the applicable guidelines of the Regulations, Offer Documernts/ Information Memorandum and Debenture Trust Deeds entered between the Company and the Debenture Trustees of the listed NCDs. 8. The financial results referred to in para 7 above, have been jointly reviewed by us on which we have issued unmodified conclusion vide our reports dated October 16, 2026. Our review of these financial results was conducted in accordance with the Standard on Review Engagements ("SRE") 2410 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by Institute of Chartered Accountants of India ("ICAI"). A review of Interim Financial Information consists of making enquiries, primarily of the Company's personnel responsible for financial and accounting matters and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with the Standards on Auditing specified under Section 143(10) of the Companies Act, 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we did not express an audit opinion. 9. The procedures performed in a limited assurance engagement vary in nature and timing from, and are less in extent than for, a reasonable assurance engagement; and consequently, the level of assurance obtained in a limited assurance engagement is substantially lower than the assurance that would have been obtained had a reasonable assurance engagement been performed. We have performed the following procedures: a. Obtained and read on a test check basis, the Debenture Trust Deed and the Offer Documents/ Information Memorandum in respect of the secured Non-Convertible Debentures and noted the particulars of security cover and the security cover percentage required to be maintained by the Company in respect of such Debentures as indicated in the Statement. b. Obtained and read on a test check basis, the Debenture Trust Deed and the Offer Documents/ Information Memorandum in respect of the unsecured Non-Convertible Debentures and noted that there is no minimum-security cover percentage prescribed therein in respect of such Debentures. c. Traced and agreed the principal amount of the Debentures outstanding as at September 30, 2026 to the unaudited financial results referred to in paragraph 7 above, and the unaudited books of account maintained by the Company as at September 30, 2026.
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Singhi & Co. Chartered Accountants Mukund M. Chitale & Co. Chartered Accountant d. Traced the book value of assets indicated in the Statement to the unaudited financial statements as at September 30, 2026 referred to in paragraph 7 above and other relevant records maintained by the Company. e. Obtained the list of the securities created in the register of charges maintained by the Company and 'Form No. CHG-9' filed with the Ministry of Corporate Affairs. Traced the value of charge created against assets to the security cover indicated in the Statement on a test check basis. f. Examined and verified the arithmetical accuracy of the computation of security cover indicated in the Statement. g. Obtained necessary representation from the management. 10. We conducted our examination of the Statement, on a test check basis in accordance with the Guidance Note on Reports or Certificates for Special Purposes issued by the Institute of Chartered Accountants of India (ICAI) which requires that we comply with the ethical requirements of the Code of Ethics issued by the ICAI. We hereby confirm that while providing this certificate we have complied with the Code of Ethics issued by the ICAI. 11. We have complied with the relevant applicable requirements of the Standard on Quality Control (SQC) 1, Quality Control for Firms that Perform Audits and Reviews of Historical Financial Information, and Other Assurance and Related Services Engagements. Conclusion 12. Based on the procedures performed by us, as referred to in paragraph 9 above and according to the information and explanations received and Management representations obtained, nothing has come to our attention that causes us to believe that as at September 30, 2026, the Company has not maintained Security Cover as per the terms of the Offer Documents/ Information Memorandum and Debenture Trust Deed. '
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Singhi & Co. Chartered Accountants Restriction on Use Mukund M. Chitale & Co. Chartered Accountant 13. This Certificate is addressed to and provided to the Board of Directors of the Company solely for the purpose of submission to Stock Exchanges as stated in para 2 above in accordance with the SEBI Regulations and should not be used for any other purpose. Our work was performed solely to assist you in meeting your responsibilities in relation to your compliance with the Regulations. Our Obligations in respect of this certificate are entirely separate from, and our responsibility and liability are in no way changed by, any other role we may have ( or may have had) as auditors of the Company or otherwise. We shall not be liable to the Company or to any other concerned for any claims, liabilities or expenses relating to this assignment, except to the extent of fees relating to this assignment. Nothing in this certificate, or anything said or done in the course of or in connection with the services that are the subject of this certificate, will extend any duty of care we may have in our capacity as auditors of the Company. Accordingly, we do not accept or assume any liability or any duty of care for any other purpose or to any other person to whom this certificate is shown or into whose hands it may come without our prior consent in writing. Yours Sincerely, For Singhi & Co., Chartered Accountants Firm Registration Number:302049E Partner Membersh ber: 040404 001N- 2.6'0110401.\~C-\"Jf\001! Place: Pune Date: October 16, 2026 For Mukund M Chitale & Co., Chartered Accountants Firm Registration Number: ag r Kulkarni Partner 4"('1 ~ 9 * MUMBAI * g_ "" ~ ~lrE'. Membership Number: 166003 , vo:t N '.- 2..G \6'6 003c.s PiSf'I) x 6 2 , o Place: Pune Date: October 16, 2026 Encl.: Annexure I: Statement of security cover as on September 30, 2026
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::0 (1) ~c, <II 0 ,+ ~ (1) ,, ~ ~ C. "' 0 ,+ 3i (1) n O (1) 3i .. n "' (1) ,+ •• :::r (11 ,, ,.. - :::r 0 ,, ta 0 -:, 0 -1n m~ ...._ n>Om- II' :-:- ..., m· m CJ + ~ -·"' ~ai;~ ~ Nrt-v.:.: ~ ~~~~ CJ ~0.<:J mg::cl!J :C ........ oc, Cl)-· C: 0 g ~ : ~ ~ oZ · c- ~c -;;§~2 .,. 3 CT -0 3 ~. (/J !. ~ § ~ -s: - ; 0? ~ g Z :::rz-)>~ "' G') ::ti _, ::r ?- - · ~ •• 3 "' c5 ~~g_c 5' 'TI o,$:J~ ,,, _ (1) ...It.~ ... ::, z @ o"' c, n C'" "'O ~;:; ~ . """-, ~-~~~ :, ~ '5=8[~ Z 0 (X) • < n C: -0 < ., tll r - · :, ,g·~~i m . <,, :, ., g~z~ r=': ~-N~:" ~ Cl) ., -0 =' s C -0 (1) • 5 :!: (1) ... "" 0 ...... .... "' o · ... .:i:: _f>. ., .:i:: l .. ~ ::r"' ., <II ~ :::r "' ,+ Ill ~ ;r "' ~ .. Annoxure I : Statement of Security Cover as on Sept 30, 2026 ~ - -- Column A ColumnB Column CII! ColurMD[nl Partlculars £xclu.sl1a1e Charge Eiccluslvr Chuge Description or asset for whlchthls Debt for which certificate this certfflc-.ate 0th et Secured ,elate bernir ln ucd D•bt Boak Valua Book Value ASSETS Property, Plant and Equipment Cilpital Work·ln·Proaress Ria ht of Uso AssQIS Goodwill lnt ilnKib!o Assets lnt;mgible AHet s unter Development lflY(HtmenU l oan~ Boo" Oebt re: eivabtes 11,805.9'1 lnventorloi Trode Rccalv,,1blts C;nh and Cash Equivalents Bani< BalanceJ other tha n Cash and Cash Equivalents Others Total U ,805.94 Column Column F[rv] ColumnG(v ] Column Elilll Hlvil P-.:ui-PaHU P~ri-P.assu Chari• Porl•Passu Chari:e Charee Assots shorod by Other assets Debt far p.arl pinsu debt on which thttc IU5ets not which thrs holder (Includes Is pari Passu offeted as certlficate debt for which charge Security brfng thlJ certificate Is (o.dudlng luucd & other Issued debt with porl Items covered passu charge) In columnF) Ye,/ No Book Value Boole Value 62.74 52.10 41,88 2.60 2,376.90 Yes 58,624.70 49,79<> ;a 19,636.H 42,12 112.36 3.8 1 655.10 58 624.70 49,794.58 22 986.32 .,CHlr,,c✓~ ~- , ~ ... ~ '{ ,; .tp fJ ~'?£0 ACCO~~ • Page 1 of2 Colum n l(vrl] ColumnJ ColumnK E1lmfn1uron I amount In nt;aotlvo I Market Oabt.imount considered ViJlue fo, more than ,Total Clo HI As>ets once (due to charged exclusive plus on bclus lve parr passu bosls chargej 62.74 52.10 41.89 2.60 2,376.90 1,39,861.92 42.12 112.36 3.81 655.10 1 43 211.53 All figures are in Crores excee_t ratios .. - Column L ColumnM Column N ColumnO Related to only those Items covered by thb certlfrcatc Carrying / book CarrylOG value-/baak vil lut value for M uket ro, pari passu Total uclus[YC! thar e:e Value for chatge as.sets Value as.sC!tswhcrC! Paripassu where markC!t [-K+L•M+ market value Is charge value is not NJ not ascertalnable Assets viii or opp licoblo ncertarnablc or applicable Relatlnc to Column F 58,624.70 55,614.70 58,624. 70 58,624.70 ~ ~ 00 L. .,, :c zO j>C z~ nZ "'~
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::u .. '!:!. 0 "' 0 ... ... .. -0 i ~ Q. .. 0 ... 31 d) <> 0 .. 31 •• <> :! ~ ::r (II -n .... - ::r 0 TI m 0 -:' 0 -t C'>m~ ...._. c,oa,· ,,_,,- :-:-,;Oii"OJ , a + 0 - ,._, ~ -<)-,Tia, J> _. C> -· N ; ~ §; ~-~~ C.J _.C.<:> o:,'":c'P :c '-A ~ 0 o:, -• C (') 0 o~cn~ ~ g;z!":} :i: C: - C O 2 • m 3 =I: rr IA 3 rr -o 3 !!. v, ~.~§=i ~ -::-o,~ 0 Z ,,._)>.., C: C) ~ 3 J ,: ~ - :i, "3 >< g ~~g_c ~ Tl G>~:>~ l» - ca~Q,l.., :, Z ®~'gQ g CTz""\,.... _ ,....., ~ . N ~ ':c: :, ;J,' ~.ocu7l;; Z ::r O Q. !!!. oCX> • -< n C:-O<O> utr--:> l ~ ~ z m • (.,,,I :, Q) ~~ z ~ r-: 5· N :; :, --1 a, ., -0 :-o § C -0 "' • § :! ..... .,,. 0 ...... ... .,,. o· ... 3: !> ., 3: ::r ., ~ ::r ., .. "' .., ::r ..... Cl> .., ~ ., .; Anneicure I : Stateme nt of Security Cover as on SeE_t 30, 2026 ·- - -~ -- . -·-- - - ---·· Column A Column B ColumnCII) Column Dlill Column Column F[lv] Ellil] Pat1icutars Exclusive Chii1rJe EKduslvt Charce Pati-Pauu Char1e Parl-P-tuu Charee Dornlpt!an Assets shored by of anctfo r Dr.ht for parl p.1ssu debt which thi, Ocbtfo,which holde r I includes which this CC! rtlflcate Other Secured debt for which this certifia ta certific:;ate thl.s certificate rs rclale being Issued D•bt being Issued Issued & other debt with pul passu charge) Book Value Book Value Yes/No Boak Value LIABILITIES Debt se-curitiei to which t his certi f1Cllle..£•rtain.s Ye; 58,545.Bl Othcrdo bt sluti ns piJrl• p.usu chuge with o1bove debt CP ~nd Olher O~bl Umecured D~bt Su:ord·nattd ~cbt Borro,,.tings B>nk (L,:l. f.;H8 & PfCl 10951. 6 1 N, Debt Securities. Othou (ICD/TREPS) Trade mvab 1 es Lease Uabil~tie s. Provisions Othen. Total 10,951.61 58,545.83 Co\lcr on Book ValuC!'n 1.001 Cover on Market Value Eicclusive Parl•Pusu Security Covilr Securltv Covar Ratio Rallo rt Covc-ron book value pertalm tc securc-d NCOsonlv ror which tliis certlfl: atc, rs bclngiuu !!d Pl.ace; ?unc 0,10: Ottooor 16, 2026 · :s; 2 ·1 ~ ~ ~(~BAI t; ~ }aL f , - t'\'V~ · ;Cv ColumnG[v] Column Columnl[vill Hlvil Parl~Passu Ellmloatlon Char1e (amount In n~aatlve l Other ;,sict .s DC!bt amount As.sets not CDnsrclerecl on whk:h there offered as is pari Pasw more than Security cha"Ce once (clue to (excludlnc ~xcluslvi:, plus Items covered p.1,1 passu rn columnF) charge) Book Value ·318.57 7,l<ll .48 41856.lG 81.88 150.77 55.14 83.93 639.80 41,856.36 7,834.43 1.001 P•a• 2 ol 2 All figure, are In Crores eiccept ratio, ' .. Column J ~ Column L ColumnM Column N Columq O Related to only lhose Items covared by this certlUcate Milrket Corryln: /book Curyln& value/book value Value for value f0t Miirket for patl passu Total cxdu.sfvc ctuirge Value for (TotalC to H) Assets charge assets Value charged assets where Parl passu market value is charge where market (=Kt l +M+ a n value Is not N) Excluslvo not ascC!rtalnablc Assets viii oscertainable or basis or appllcabl e appllcablc Relating ta Column F 53,227 .26 58,545.83 58,545.Bl 7,141.48 S2 807.9 7 81.88 150.77 5S.14 83.93 639.80 1,19,188.ll 58,S45.83 58,545.83 1.001 F'or BaJaJ Houslng Finance Umited ~ Ga\Jrav l<iJlanl ~~~- Rahul Gvpta chfo,f • Fin.an dill Office, Hud • Tr0,1sury, M id-Office ti m ~ 00 '- .,, :r: zO j:,, C: z!O nZ "'C,
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To, The Manager Listing Department BSE Limited Phiroze Jeejeebhoy Towers Dalal Street Mumbai - 400 001 BSE Code: 973250 Dear Sir/Madam , II HOUSING FINANCE -- 16 October 2026 Sub.: Intimation under Regulation 52(7) and 52(7A) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, for the quarter ended 30 September 2026 Pursuant to Regulation 52(7) and Regulation 52(7A) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015, read with SEBI Master Circular No. SEBI/HO/DDHS/DDHS-PoD-1/P/CIR/2025/0000000103 dated 11 July 2025, we enclose a statement indicating the utilisation of issue proceeds of non-convertible securities as Annexure A, and a statement confirming NIL deviation or variation , in the prescribed format. in the utilisation of proceeds of listed non- convertible securities from the objects stated in the offer document as Annexure B. Kindly take the above information on record. Thanking you. Yours Faithfully, For Bajaj Housing Finance Limited ~i At Patni Company Secreta Email id: bhflinvestor .service@baiaihousing.c o.in Encl.: As above Cc: Catalyst Trusteeship Limited (Debenture Trustee, Pune) BA:JA:J HOUSING FINANCE LTD. www.bajajhousingfi nance.in Corpor ate Office: 5th Floor. B2 Buil ding. Cerebrum IT Park. Kumar City. Kalyan i Nagar. Pune 411014. Maharashtra Registered Office: 4th Floor. Bajaj Flnse rv House. Off Pune- Ahmednagar Road. Vima n Nagar. Pune 411014, Maharasht ra Corpo rate Identity Number (CIN): l 65910PN2008PLC 132228 Tel: +91 20718 78060 I Email: bhflwec are@bajajhou sing.co.in
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II HOUSING FINANCE -,.. Annexure A-Statement of utilization of issue proceeds of Non-Convertible securities under Regulation S2(Z} Name of ISIN Mode of Fund irype of Date ofiAmount Funds !Any lf 8 is Yes. Remarks. If any ~he Issuer 1 BAJAJ HOUSING FINANCE LIMITED Raising (Public Instrument Raising Raised (Face Utilized Deviati ~hen issues/ Private Funds ~ alue) (Rs. in Face bn !Specify Placement) t:rore) Value) (Rs. Yes/ N lithe in Crore) b) purpose !of for !Which the 1,:unds ~ere µ tilized 2 3 4 5 6 7 8 9 10 INE377Y07664 01-Jul-26 2,500 .00 2,500.00 ~roceeds from the INE377Y07672 07-Jul-26 1.500.00 1.500.00 ssue of non- INE377Y07680 04-Aua-26 1,885.00 1.885.00 convertib le INE377Y07672 Private 10-AUQ-26 750.00 750.00 Not ~ebentures were INE377Y07698 Placement NCD 20-Aug-26 750.00 750.00 No Applicable (leployed on the INE377Y07698 08-Sep-26 2.000.00 2,000.00 Company's own INE377Y07680 18-Sep-26 500.00 500 .00 balance sheet. INE377Y07698 25-Sep-26 815.00 815.00 Total 10,700.0C 10,700.00 For Bajaj Housing Finance Limited ~J~~ - ~ Authorized ~lies BA:JA:J HOUSING FINANCE LTD. www.baJajhousingfinance .in Corporate Office : 5th Floor . B2 Build ing. Cerebrum IT Park. Kumar City. Kalyani Nagar. Puna 411014, Maharashtra Registered Office : 4th Floor, Bajaj Flnserv House. Off Pune-Ahmednagar Road. Viman Nagar. Pune 411014. Maharashtra Corporate Identity Number (CIN): L65910PN2008PLC132228 Tel : +91 20718 78060 I Email: bhflw ecare@bajajhousing .co.in
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■HOUSING FINANCE ... Annexure B -Statement of deviation/ variation in use of Issue proceeds: Particulars Remarks Name of listed Entity Bajaj Housing Finance Limited Mode of fund raisin o Private Placement Type of instrument Non-Con vertible Debentures Date of raisin g funds Refer Annexure A Amount raised Refer Annexure A Report filed for quarter ended 30-Sep-20 26 Is there a deviation/ variation in use of funds raised? NIL deviation /variation Whether any approval is required to vary the objects of the issue stated in the prospectus / offer document ? Not Applicabl e If yes. details of the approval so required? Not Applicable Date of approval Not Applicable Explanation for the deviat ion/ variation Not Applicable Comments of the audit committ ee after review Not Applicable Comment s of the auditors. if any Not Applicable Objects for which funds have been raised and where there has been a deviation/ variation , in the followin Q table: Not Aoolicable Original Modified Original Modified Funds Amount of Remarks. Object Object. Allocation Allocation , if Utilised deviation/ if any if any any variation for the quarter according to applicable object (in Rs. crore and in%) - - - - - - - Deviation could mean: a. g :eviation in the objects or purposes for which the funds have been raised. b:! ev~at ion in the amount of f unds actu aJJy0 u_!ilized as against what was originally disclosed. ~ ,. _ 0 ,,-;; ·· rn~~~ ,· (> ''/ 0 ~) I -- Na gnatory : Atul Patni .-- :: t(I,/.: ~- Designation: Company Secretary - ~ ~0 & * Date: 16 October 2026 - BA~A~ HOUSING FINANCE LTD. www.bajajhousingfi nance. in Corporate Office : 5th Floor. 82 Building . Cerebru m IT Park. Kumar City. Kalyani Nagar. Pune 411014. Maharashtra Regist ered Office: 4th Floor, Bajaj Flnserv House. Off Pune-Ahmednagar Road. Viman Nagar. Pune 411014. Mahara shtra Corpor at e Identity Numb er (CIN): L65910PN2008P LC132228 Tel: +91 20718 78060 I Email : bhflwecare@bajajho using .co.in
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To, The Manager Listing Department BSE Limited Phiroze Jeejeebhoy Towers Dalal Street Mumbai - 400 001 BSE Code: 973250 Dear Sir/Madam , • HOUSING FINANCE ~ ~ 16 October 2026 Sub: Certificate from CFO on use of proceeds from issue of commercial papers Pursuant to Chapter XVII of SEBI Master Circular no. SEBI/HO/DDHS/DDHS PoD/P/ CIR/2025/0000000137 dated 15 October 2025. the Company hereby confirms that the proceeds from issue of commercial papers. raised during the quarter ended 30 September 2026 and which are listed. have been utilized for the purposes as disclosed in the disclosure document of respective issues. The Company further confirm s that all the conditions of listing as specified in the aforesaid master circular have been adhered. Kindly take the above information on record . Thanking you, Yours Faithfully, For Bajaj Housing Finance Limited ~ Gaurav Kalani Chief Financial Officer BA:JA:J HOUS ING FINA NCE LTD. www.baj aj housingfina nce.in Corporat e Offic e: 5t h Floor, 82 Buildi ng. Cerebrum IT Park. Kumar City. Kalyani Nagar. Pune 411014. Mahara shtra Registered Offic e: 4t h Floor. Bajaj F!nserv House. Off Pune-Ahmednagar Road. Viman Nagar. Puna 411014. Maharashtra Corporate Identit y Number (CIN): L65910PN2008P LC13222 8 Tel: +91 20718 780 60 I Email : bhflweca re@bajajhousin g.co.i n
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B•J•J Housing FINlnce Limited Ol1clo1ure of related party tran1acUon1 for the half year ended 30 Septo mbor 2026 { Additional dl,closure of related patty tranwction applicabl e only Inc••• the rolat ad party transactions relates to loan1 4 Inter corporates depmlt1 , advances or Investments made or given by the llstad entity/subsi diary. These details need to disclose only once, during the reparting period when such transat lon was undertaken Cllncrorol Dela Us of th• In case any nnanc lal ~rty(llstod In case monle• an duo to lndebtldn e11 la incurred to make entity Details of the countorparty Valueoftha either party 11 a result of or give loans. lnter•corparate De ta Ila of the loan1, lntar-corporato depos its. advances or /aubsldiary) related party Value of the tn1n1■ctlon deposits. advances or Investment. entering Into the trans■ ctiDn as tnnsaction Investments S.No transaction Type of 1"81.at ed party tran1actlon approved by during th@ nporting the audit period• commllt•• Nature of Nature (lo.an/ Purpose for which tha Relationship of tho count•r~rty Opening Closing lndebtedneaa advanc ■/ lntora1t T1nuNt Secured/ fund• wiUbe utll/ 1ed Name Nam• with tho llstod entity or Its (loan/ laauance Cost Tenure fntercorporat by the ultlm1to balance b.alance Roto(" ) (Days) unstcured subsldlory of dobt/ ony 1 deposit/ rec ipient of funds other etc.) lnvo1tment C•n dutage) Salo of property , plant and equipmen t 1,00 . . . . . . . . (Txn va!ue t 19.94S) 1 Bajaj Housing Bajaj Fk1serv Ultlmate Held Ing Campany Business Support Charges Paid 13.00 3,39 . . . . . . . Financo Limited Llmit€!d . Amount paid under ESOP recharge 1.00 0 ,65 . . . . . . . anangcmcnl s Conlr;oouon lo Equity Share s {7,22,44.03,845 shoros . (7,224.40) (7,224.40) . . . . at face value of t10 a;1ch] . Amount paid under ESOP recharge arrangements 10.00 1-96 - . . . . - Loan portfol io as.signed out 12.500.00 2.719.35 . . - - - . - . Salo of property, plant and equlpmon t 5.00 0 .22 . - . - - - . - Secutity deposit rocolvcd for lousod promlSO$ As porlea so . (0.08) {0.08) . . . . . agrcomtnt . 2 Daj•J Housing Bajaj Flnonco Holding Company Flnancc Limited Limited 8usinoss support ch.Jrg os received 5.00 0,11 . 0.06 - - . - Servicing fee received 50.00 12.0 1 0 .10 1.20 - - - - - Sourcing commission rocolved 1.00 0.01 . - - . - - Rcnt incomo 1,00 0 .02 - - . - - Busb,ess. suppor t charges pold 10.00 0.02 . . . . - Servicing tee pa Id 10,00 2.49 . - . - . - . Sourcing commission paid 20.00 2.50 (0.79) - . - - . - 3 Bajaj Housing Bajaj Financial Follow subsidiary Company's contribu tion towards NPS 3.00 Finance limited Securit ies Limited O.B3 - - - . - - . OaJ.1j Housing B•l•l Flns<rv Oiroct SupPor1 chargos and commission paid 5.00 1.02 - - . - . - - . -4 Follow subsldiluy Flnttnco Limited l imited Software dovelopmont ch.1rgos paid 4.00 1.40 . . . . . - . . S<tcurod non•convorllblodobo nturos lssuod Noto7 . (700.00) {700.00) . . . Bajaj G•Mtal lnletc•I paid on non-convorllbio debentures 70.00 54.50 . . - - - - - . - 5 Bajaj Housing Insurance Limited Follow subsldl.arv Advance towa.-ds in$uranco oxpenses - . 5.69 0.59 - - - - - . -Finance limit'ed lnwrance oxponses 8.00 4.46 - - . - . - . - Convnission incomo 12.00 0.58 0 .09 - . . . . . - .
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Bajaj Hou ■lng FINnce Llmltod Disclosure of related party tr1n1actlon1 far th• hilt v••r t nded 30 Sept emb:er 2026 C Addltional disclosure of related party tran■action appU~ble only in case the related party transactions relates to loans., inte r corpo r•l •• deposits. advance9 or lnv■&tments made or given by the llsted entity/sub sidiary. These details need tocrisc lose onty 0nce1 during t he repo rting period when such transatlon was undertak•n (I In cror•l Doullsoftho In ca■o any financial party (liatod Inc••• monies at • due to lnd1btedne■a 11 Incurred to make ontlly Del alla of the c ou nterparty Value of tho either party as a resul t of or give loan~ lnt1, .. corpor1t1 Details of the loans, lnterecorpG rate deposits. adwanc es or /subsidiary) related party Valua of the bans ac·tlon deposit■, alfvances or Investments entering Into the transaction as transaetian Investments S.No transaction Type of related party transacti on approved by during tha the audit reporting commltt•• period • N.-turo of Natura (loon/ Purpo se for which tho RolatlaRahlp of tho counterparty Opening Closing lndabtadn e11 advanee/ lntere■t Tenure Secured/ funds will be utillaed Name Name with the llstod entity or its balance balance (loan/ IH uanc• Cost Tenure lntorcorporat Ral•C"l (Days) unsecured by th• ultima te subsidiary of dobt/ any edoposiV recipient o f fund s othorotc:.) Inves tment (enduug o) Unsecurl'.ld non-convortlb lo dobontures issued Noto7 (\550.00) (1,550.00) - - - - - - Se(:ured non- convertibledebe nturos issued Noto7 (150.00} (310.00) - - - - - - - Bajaj Lifo Insurance lnteros l pal~ en non-convortlb1e debentures 155.00 12.08 - - - - - - - -6 Bajaj Houslng Limited Fellow subsJdlary Advonco tow.irds Insurance expenses - - 1.56 0.36 - - - - - - -Fln;mco LirnilOO lnsuronco oxponsos 3.00 1.03 - - - - - - - - Commission Income 140.00 21.32 5.65 3.55 - - - - - Digltat Advortlsomontchargos recelved B.00 0.56 0.19 - - - - - - - - - Bajaj Housing Snapwork Information technology doslgn and development 2.00 0.22 - - - - - - - -7 Finance Limi ted l cc hnologies Associate of Holding Company chi3rges Private limited Support ch11rgos paid 2.00 0.11 - - - - - - - - Bajaj Housing Ponnant lnformnllon tochnology doslgn end dovok>pmont 12.00 4.52 - - - - - - - - -a Flnanco Umitod Technoloolos Associate of Holding Com~ny charoos Prlvolo Llmltod Supporl choroos pnld 4.00 0.87 - - - - - - - - Bajaj Housing Short term bonofits • Sitting Foos 0.33 0.06 - - - - - - -9 Sonjlv Bajoj Chairman Finance Limited Short term boner.ts • Comminlon 0.67 - (D.31} - - - - - - Short term benefits - Sitting Fees As approve<I 0.22 - - - - - - - - - -,o Bajaj Housing RajeevJaln Vlco Chairman bv Boord Finance Limited Short term bonoflls -Commission AS approvo o - (0.52) - - - - - - - -hvn _, B•l•I Houslno Short torm <!mployoe bono11ts ~ romunor3Uon Noto 9 4.77 (7.62) (1.82) - - - - - - -11 fln.1nco Llmilod Atul Join M.nnnglng Director 6.66 Shoro bosod Povm?nt Noto 10 - - - - - - - - Short torm bonoflts - Sitting Foos Asepprovod o.,a - - - - - - - -12 B•J•J Housing Anaml N Roy Director by Board Finance Umltoo Short term benefit s- Commission As approved - (0.43) - - - - - - - -by Board - Short torm bonoflts - Sit ting Fees As approved 0.10 - - - - - - - - -13 Bajaj Housing Dr. Arindam K Oirecl'or by Board Flnanc:o Umitod Bhattacharya Short term bonoflts -Commission As approved - (0.43) - - - - - - -bv Boord - Short term bononts - Sitting Foos As nppro vod 0,22 - - - - - - - -On)aJ Housing Jasmlno Arlsh by Ooard 14 Flna.nco Limited Chancy 01,oclor ~@pprovvd Short term bonofit~ - COl'rlr'!ilsslOr\ bv Board - (OAS) - - - - - - Short term bonofits - Sitting Fee!. As approved 0.08 - - - - - - - - -Bajaj I-lousing S M Narasimha by Board 15 Director Finance Limited Swamy Short torm bonofils - Commission As approvad - (0.29) - - - - - - -bv Borard - Short torm omployoe bonoflt s - romun01alion As. npprovad 0.06 - - - - - - -16 Bnj•J Housing Al•v Kumar Director bY Board Finance Limllod Choudhary Short torm bnnnflts • Commission As approvod - (0.02) - - - - - - -by Board .,__ - Bajaj Housing Short torm omployea bonoflt s - remunerat ion Noto 9 1.03 (0.75) - - - - - - U.~G /N,4~',. -17 Gaurav Kalani Chief Financial omcer Finance l.fflted Share based Payment Noto 10 0.61 - - - - - - - / ~ :)/ ...... .,..., \: - 0 / tt'' l:.i: ~ 1c: J 4- ~ ~,,.,~ -»"'/2 ~
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B•J•J Housing l=lnanca Limit ed G;sclosur e of related party tranuctlon1 for tho half year ended 30 September 2026 (llncro,.) Additional disclosure of related party transaction applicable only In c:11se the related party transac tions rolatas to loans. Inter corponates deposit■. advances or Investme nts made or given by t he listed entity/subsidiary . These deta ils need to disclose only once. during tho roportlng period when such transatlc:in wa.s undertak en Dehiif tof th• In c1111nv flnanclal pany(ll1ted Inc••• monlaa ar·o due t o lndebtedneH Ii Incurred to m■k• entity Details of the counterp■rty Valueott ha either p.a rty as a Nsult ot or give la an 1, Inter-co rporate Details of the loans, Inter-corporate dopoalt 11 advances or /1ubsldlary) Value of inve.stm1nts related party the transaction deposits, advance s or entering into the transac tion as transactio n lnves.tments S.No trans-ac tion Type of related party transaction appravedb y during the the audit repo rting committee J)eriod• N■tuNof Nature (lo.ain/ Purpos■ tor whlch the Relatlon1hlp of t he counterparty Opening Cllo1lng Indeb tedness •dv■ nc1/ lntarest Tenu re Secured/ fund1 WIii be utili Hd Nam■ NarM with the ll1ted entity or 111 balanc1 balance (lo•n/ l11uance Cost Tonur o lnt■rcorpor■ t Rote(%) (Daya) un1ecu rod by tht ulllmato 1ub1ldlary of debt/ any e doposll/ racl pt1nt of funds other etc.) Investme nt (enduug■) 18 Bajaj Housing AlulPa t ni Company Secretary Short term omploycobenolib - remuneration Note 9 0.34 (0.24) [0.13) - - - - - - - Finance Umited Sh.are based Payment Note10 0.08 - - - - - - - - Entitles/Others In which KMP and Socurity doposlt paid fo, leased premises Asper lo.:iso - 0.03 0.03 - - - - - 19 Bajaj Housing Bajaj Aulo Limited thoir closo mombors hmvo signific ant agreement Fmnco Llmltod lnfluonco Rent exuonso 1.00 0.03 - - - - - - - Buslno55 Sunnort Ch:w-nos Paid 5,00 0.17 - [0,2?] - - - - Entltlos/othnrs In which KMP and Security depos.lt pi'ld fOf k!ascd proml!los As por lease 0.17 0.19 0.36 - - - - - - - -20 Bajaj Housing Oejej Holdings ond their closo mombors have ~gnifk:ant agrcomonl F"anancc Limited Investment limited influence Ront expense 1.00 0.20 - - - - - - - - - Business Suooort Charces Paid 3.00 0.54 - - - - - - - - - Bajaj Housing Meharas.hlra Entitles/Others In which KMP and Sccurad non- convlmlblodobenturos Issued Noto 7 - (50.00) (50.00) - - - - - - -21 Finance Llmllod Scooters Llmlted tholr closo mombors hovo significant lnfluonca Interest oald on non -convcirtlblo dabonturos 9.00 4.0S - - - - - - - - - BojaJ Housing Hind Musafir Enlltlos/Othors In whlctl K MP nnd Ch.orgos for sorvlcos 1oceived Including actual travo1 22 their close members havo signifk:a nt B.00 2.01 - - - - - - -Financo Limited Agency Limited Influence rare cost Baja) Housing Bajaj Stamng Entitlos/ot hors in which KMP .ind 23 their close members have s.ignifk:ant Outsourcin g manpo-"« supply sorvlcos 25,00 1.20 - - - - - - - -F"an.inco Limltod Solution, Llmitv-d lntlucnco Note•: ,~ - • n ... , .................. ,,..1-r .......... -..,, __ ,,.,,....., ...1: ...... -1-1 ••••• 1•i.. .,"-_ ,.... _____ , , - --- ____ .., ,._. _ _, -• · ·-'·· - - · ·-•··....1 1 ...... J. ........... __ ..... -1 • • 1. t ...... ~ ) 6 Provisions for gratu ity. compensated absences and other long term service benefits are made for the Company as a whole and the amounts pertaining to the key mam1gement personnel are not specifically ldel'imre d and hence are not included above. 7 Non convertible debenture (NCO) transactions includes only issuance from primary market. and outstanding balance is balances of NCDs held by related parties as on reporting date. Interest accrued on NCDs is identi fied based on beneficiary holder at the time of payment to whom the interest Is credited. 8 As on 30th Sept 2026, 17 non-corporate related parties held Company's equity shares amounting to, 0.04 crore (40,098 shares of ~ 10 each). 9 Current remuneration plus increment as may be approved by the Board of Directors/ Company. 10 Amount based on stock. options granted up to 30th Sept 2026. 11 All transactions with related parties are In the ordinary course of business and on arms' length basis. All outstanding balances are to be settled in cash and are unsecured except non-convertib le debentures Issued to related parties which are disclosed appropriately . 12 The Company has a committed line of credit of ~ 2,500 crore from Bajaj Finance Limited (Holding Company).