Key business update for the quarter ended September 30,2026

October 08, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Bandra Kurla Complex, Dalal Street, Mumbai- 400001 Bandra (E), Mumbai 400 051 Scrip Code: 544055 Scrip Code: MUTHOOTMF Dear Sir/Madam, Sub: Intimation under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI LODR) – Key Business Update Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 please find herewith the “Key Business Update for Quarter ended September 30, 2026” Kindly take the same on records. Thanking you, Yours faithfully, For Muthoot Microfin Limited Neethu Ajay Chief Compliance Officer and Company Secretary Muthoot Microfin Limited Key Business Update for Quarter Ended September 30, 2026 1. Assets under Management (AUM): AUM stood at Rs. 15,323 crore as of September 30, 2026, registering 22.0% YoY growth over September 30, 2025 and 23.9% QoQ (annualized) growth compared to June 30, 2026, reflecting continued portfolio expansion. 2. Portfolio Diversification: • The loan portfolio continued to diversify, with the JLG and Non-JLG mix improving to 69:31 as of September 30, 2026 from 83:17 as of March 31, 2026. • The Small and Micro Enterprise Individual Loan (IL) portfolio increased to Rs. 4,164 crore while continuing to maintain near-zero delinquency. • During the quarter, the Company disbursed gold loans under referral and co- lending model with its parent company Muthoot Fincorp Limited disbursing Rs.453 Cr, further strengthening its secured lending portfolio. 3. Disbursement: Disbursements during Q2 FY27 stood at Rs. 2,900 Cr, registering 28% YoY growth over Q2 FY26 and 10% QoQ growth compared to Q1 FY27. 4. Asset Quality: Collection Efficiency (CE) stood at 98.11% in Q2 FY27, improving by 477 bps over Q2 FY26. X-Bucket CE excluding advances stood at 99.9%, reflecting sustained collection discipline and the continued resilience of the portfolio. 5. Funds Raised: As of Sep 30, 2026, the Company maintained a robust liquidity of 1,701 Cr through diversified funding sources and unavailed sanctioned credit lines amounting to Rs. 4,328 crore, providing adequate financial flexibility to support future business growth. During Q2, the Company further strengthened its funding profile by raising a total of Rs. 3,213 Cr. The overall borrowing for the half year reached Rs. 5,946 Cr. The Company’s cost of funds declined to 9.93% during the quarter, entering single-digit territory for the first time — a reduction of 20 bps from 10.13% in the previous quarter. Company’s Incremental cost of funds stood at 9.69% vs 9.80% in Q1 FY27 improving 11bps QoQ. 6. Network and Customer Franchise: As of September 30, 2026, the Company operated 1,675 branches and served 32 lakh active customers. During the quarter, the Company continued to strengthen its presence across existing and recently entered markets, including Telangana, Andhra Pradesh and Assam, while leveraging its branch network to support diversified product offerings. 7. Digital: Company's digital initiatives continued to gain traction during the quarter, with cumulative downloads of the Mahila Mitra app reaching 22 Lakhs. Digital collections increased to 47% in Q2 FY27 from 25% in Q2 FY26 and 40% in Q1FY26, reflecting continued adoption of digital payment channels and enhanced customer engagement. The financial and operating information presented above as of and for the quarter ended September 30, 2026 is based on provisional unaudited numbers. These figures are subject to review by the Statutory Auditors of the Company and approval by the Audit Committee and the Board of Directors.