Press Release

Ref: SEC/MFL/SE/2026/6787 October 31, 2026 National Stock Exchange of India Ltd. Department of Corporate Services Exchange Plaza, BSE Limited, Plot No. C/1, G Block, P. J. Tower, Dalal Street, Bandra-Kurla Complex Mumbai - 400 001 Bandra (E), Mumbai - 400 051 Scrip Code: 533398 Symbol: MUTHOOTFIN NSE IFSC Limited (NSE IX) Unit 1201, Brigade, International Financial Center, 12th Floor, Building No. 14-A, GIFT SEZ Gandhinagar, Gujarat 382 355 Dear Sir/Madam, Re: Press release on Unaudited Financial Results for the quarter and Half year ended September 30, 2026 The Company’s Board of Directors at their meeting held today i.e., October 31, 2026, has announced the Unaudited Financial Results for the quarter and half year ended September 30, 2026. We herewith enclose a copy of Press Release proposed to be released in leading newspapers across the country. Thank You, For Muthoot Finance Limited Rajesh A Company Secretary ICSI Membership No. FCS 7106 Financial Results for the Half Year ended September 30, 2026 Muthoot Family – 800 years of Business Legacy 1 | P a g e Performance Highlights for half year ended September 30, 2026 Consolidated Loan AUM: 42% YoY Increase at ₹ 2,09,317 Crores Consolidated Profit After Tax: 39% YoY Increase at ₹ 6,103 Crores Standalone Loan AUM: 42% YoY Increase at ₹ 1,87,810 Crores Standalone Profit After Tax: 26% YoY Increase at ₹ 5,527 Crores Consolidated Gold Loan AUM: 46% YoY Increase at ₹ 1,93,212 Crores Standalone Gold Loan AUM: 43% YoY Increase at ₹ 1,78,956 Crores Average Gold Loan AUM Per Branch (Standalone): ₹ 34 Crores Gold Loan Disbursement to New Customers (Standalone): ₹ 20,238 Crores to 9,93,900 Customers Quantity of Gold held as Security in our lockers: Increase from 196 Tonnes to 204 Tonnes during Half Year Number of Active Customers: Increase from 64 Lakhs to 69 Lakhs during Half Year 2 | P a g e Subsidiaries Muthoot Homefin (India) Ltd Loan AUM: 7% YoY Increase at ₹ 3,460 Crores Total Revenue: 2% YoY Increase at ₹ 218 Crores Profit After Tax: 9% YoY Increase at ₹ 11 Crores Belstar Microfinance Limited Loan AUM: 2% YoY Increase at ₹ 7,876 Crores Total Revenue: 8% YoY Increase at ₹ 906 Crores Profit Turnaround: Profit of ₹ 144 Crores as against last year’s Loss of ₹ 160 Crores 3 | P a g e Muthoot Money Ltd Loan AUM: 99% YoY Increase at ₹ 12,716 Crores Total Revenue: 120% YoY Increase at ₹ 1,103 Crores Profit After Tax: 242% YoY Increase at ₹ 364 Crores Asia Asset Finance PLC, Sri Lanka Loan AUM: 39% YoY Increase at LKR 5,394 Crores Total Revenue: 63% YoY Increase at LKR 719 Crores Profit After Tax: 110% YoY Increase at LKR 84 Crores 4 | P a g e Kochi, October 31, 2026: Consolidated Loan AUM at ₹ 2,09,317 crores as on September 30, 2026 42% YoY Loan AUM Growth of ₹ 61,644 Crores Consolidated Profit after Tax at ₹ 6,103 crores for the half year, up by 39% YoY Standalone Loan AUM at ₹ 1,87,810 crores as on September 30, 2026 42% YoY Loan AUM Growth of ₹ 55,505 crores Standalone Profit after tax at ₹ 5,527 crores for the half year, up by 26% YoY Consolidated Gold Loan AUM at ₹ 1,93,212 Crores as on September 30, 2026 46% YoY Gold Loan AUM Growth of ₹ 61,214 Crores Other Key Highlights: • Shri. Alexander George Muthoot assumed the office of Managing Director effective from October 01 ,2026. • Shri. George Alexander Muthoot assumed the office of Executive Vice-Chairman effective from October 01 ,2026. • Shri. Eapen Alexander joined the Board of Directors and has been appointed as Whole- Time Director, having previously served as Executive Director of the Company effective from October 01,2026. • Shri. K.R. Bijimon, Executive Director, has been elevated to the position of Chief Executive Officer (CEO) effective from October 01,2026. • During the quarter, the Board approved merger of wholly-owned subsidiary Muthoot Money Limited into Muthoot Finance Limited, the appointed date being April 1, 2027, subject to regulatory and other approvals. The strategic consolidation simplifies Group structure and unlocks combined operational and financial efficiencies. • Opened 336 new branches by the Group in H1 FY27 of which Muthoot Finance opened 262 branches and Muthoot Money opened 13 branches. • Asia Asset Finance PLC (AAF), a listed subsidiary of Muthoot Finance, successfully completed its Rights Issue, raising LKR 1.5 billion in September,2026. • Shri Alexander George Muthoot, Managing Director, The Muthoot Group was conferred with the prestigious “Top 50 Successful Successor Award” by Hurun India. Key Subsidiaries – ‘Stable Performance Across Subsidiaries’ Belstar Microfinance • 82 new Gold Loan Branches opened in H1 FY 27 taking the total gold loan branches to 163, further strengthening portfolio resilience and supporting a balanced asset mix. Total branches as on H1 FY27 are 1,362 vs 1,287 branches in H1 FY 26. • The branch expansion has led to Gold Loan portfolio reaching ₹484 crores as at H1 FY27. • Collection efficiency improved to 99.61% in H1 FY27, versus 99.25% in H1 FY26, indicating continued operating improvement in the core micro-finance loan portfolio. • Loan AUM at Rs. 7,876 crores in H1 FY27, with a marginal increase versus Rs. 7,715 crores in H1 FY26, as industry-wide stress moderated disbursement growth. • Profit After Tax in H1 FY27 at Rs. 144 crores, compared to a loss of Rs.160 crores in H1 FY26. • GNPA improved to 3.26% in H1 FY27, versus 4.58% in H1 FY26, while NNPA improved to 0.07% from 0.26% over the same period. 5 | P a g e Muthoot Homefin • Loan AUM at Rs.3,460 crores in H1 FY27 vs. Rs.3,247 crores in H1 FY26; growth of ~7% YoY. • Interest income increased at ~13% YoY to Rs. 202 crores in H1 FY27 vs. Rs. 179 crores in H1 FY26. • Profit After Tax stood at Rs. 11 crores in H1 FY27 vs. Rs. 10 crores in H1 FY26; growth of ~ 9% YoY. Muthoot Money • Loan AUM at Rs. 12,716 crores in H1 FY27 vs. Rs. 6,393 crores in H1 FY26; growth of ~ 99% YoY. • Total income increased ~ 120% YoY to Rs. 1,103 Crores in H1 FY27 vs. Rs. 500 crores in H1 FY26. • Profit after tax stood at Rs. 364 crores in H1 FY27 vs. Rs. 106 crores in H1 FY26; growth of ~ 242% YoY. Results A meeting of the Board of Directors of Muthoot Finance Ltd. was held today to consider and approve the unaudited standalone and consolidated results for the quarter and the half year ended September 30, 2026. Consolidated Results of Muthoot Finance Ltd Muthoot Finance Ltd’s Consolidated Loan Assets Under Management grew 42% YoY to Rs. 2,09,317 crores in H1 FY27 as against Rs. 1,47,673 crores in H1 FY26. During the half year, Consolidated Loan Assets Under Management grew by Rs. 27,401 crores, growth of 15%. Consolidated Profit after tax for H1 FY27 increased to Rs. 6,103 crores as against Rs. 4,386 crores last year, an increase of 39% YoY. (Rs. in crores) Financial Performance Q2 FY27 Q1 FY27 QoQ % Q2 FY26 YoY % H1 FY27 H1 FY26 YoY % Group Branch Network 7,904 7,654 3% 7,524 5% 7,904 7,524 5% Consolidated Gross Loan 209,317 191,532 9% 147,673 42% 209,317 147,673 42% Assets of the Group Consolidated Profit of the 3,278 2,825 16% 2,412 36% 6,103 4,386 39% Group Contribution in the Consolidated Gross Loan Assets of the Group Muthoot Finance Ltd 183,700 168,163 9% 129,185 42% 183,700 129,185 42% Subsidiaries 25,617 23,369 10% 18,488 39% 25,617 18,488 39% Contribution in the Consolidated Profit of the Group Muthoot Finance Ltd 2,909 2,484 17% 2,298 27% 5,393 4,303 25% Subsidiaries 369 341 8% 114 224% 710 83 755% Mr. George Alexander Muthoot, Executive Vice Chairman said “Muthoot Finance began FY27 with a strong footing with our Consolidated Loan AUM reaching highest ever level of Rs. 1,91,532 crores in Q1FY27 and the momentum is sustained in Q2FY27 with Consolidated Loan AUM reaching highest ever level of Rs 2,09,317 crores, an increase of 42% YoY. Our consolidated Profit after Tax grew by 39 % YoY to Rs. 6,103 crores underpinned by healthy growth in our core gold loan business. Our subsidiaries have continued the strong momentum, contributing significantly [Showing first 8,000 characters — download PDF for full document]