Investor Presentation

Ref: SEC/MFL/SE/2026/6784 October 31, 2026 National Stock Exchange of India Limited 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: Investor Presentation: Quarter and Half year ended September 30, 2026 We herewith enclose a copy of the investor presentation for the quarter and half year ended September 30, 2026 Thank You, For Muthoot Finance Limited Rajesh A Company Secretary ICSI Membership No. FCS 7106 Investor Presentation Muthoot Finance Limited Financial Results Q2 FY 2027 September 2026 DISCLAIMER Safe Harbour Statement This presentation may include statements, which may constitute forward-looking statements. All statements that address expectations or projections about the future, including, but not limited to, statements about the strategy for growth, business development, market position, expenditures, and financial results, are forward looking statements. Forward-looking statements are based on certain assumptions and expectations of future events. The company cannot guarantee that these assumptions and expectations are accurate or will be realised. The actual results, performance or achievements, could thus differ materially from those projected in any such forward-looking statements. The company assumes no responsibility to publicly amend, modify or revise any forward-looking statements, on the basis of any subsequent developments, information or events, or otherwise. While every effort is made to ensure that this presentation conforms with all applicable legal requirements, the company does not warrant that it is complete, comprehensive or accurate, or commit to its being updated. No part of the information provided herein is to be construed as a solicitation to make any financial investment and is provided for information only. Any person/party intending to provide finance/invest in the shares/businesses of the Company shall do so after seeking their own professional advice and after carrying out their own due diligence procedure to ensure that they are making an informed decision. In no event shall the company be liable for any damages whatsoever, whether direct, incidental, indirect, consequential or special damages of any kind or including, without limitation, those resulting from loss of profit, loss of contracts, goodwill, data, information, income, expected savings or business relationships arising out of or in connection with the use of this presentation. IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 2 INDEX Contents Section 1 04-07 Section 2 08-15 Section 3 16-17 Section 4 18-43 Highlights of the Year Corporate Profile Understanding Our Financial the Market Overview Who We Are Standalone Financials What Sets Us Apart Consolidated Financials Section 5 44-55 Section 6 56-58 Section 7 59 Section 8 60 Our Subsidiary What Powers Muthoot Marketing and Corporate Social Ecosystem Branding Responsibility Investor Presentation Q2 FY 2027 3 Staying the Course. Strengthening the Future. Eight decades have taught us one enduring lesson: for Trust is what we lend against - and always have. growth to last, it must be balanced with prudence. This year, more Indians used their gold to build their lives, That is the discipline this Company was built on, and more institutions backed our balance sheet, and the the discipline that will carry it forward. regulator provided the industry with a clearer foundation for growth. We carry that trust into the next year. George Jacob Muthoot George Alexander Muthoot Chairman Executive Vice-Chairman Investor Presentation Q2 FY 2027 4 Staying the Course. Strengthening the Future. We are investing in future-ready capabilities that strengthen our institutional foundation and drive sustained growth. From advanced analytics and data-led decision-making to robust risk governance, modern talent development, and digital collections, every initiative is designed to enhance resilience, scalability, and stakeholder confidence in a fast-evolving financial landscape. Alexander George Managing Director Investor Presentation Q2 FY 2027 5 HIGHLIGHTS OF THE HALF YEAR Strong Growth Driven by Sustained Momentum Consolidated Loan Consolidated Profit Standalone Loan Standalone Profit (AUM) After Tax (AUM) After Tax H1 FY 2027 H1 FY 2027 H1 FY 2027 H1 FY 2027 ₹209,317 Cr ₹6,103 Cr ₹187,810 Cr ₹5,527 Cr 42% 39% 42% 26% YoY Growth YoY Growth YoY Growth YoY Growth 9% 16% 9% 17% QoQ Growth QoQ Growth QoQ Growth QoQ Growth IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 6 HIGHLIGHTS OF THE HALF YEAR Strong Growth Driven by Sustained Momentum Gold Loan Disbursement Consolidated Branch Consolidated Gold Loan Average Gold Loan AUM to New Customers Network (AUM) Per Branch (Standalone) (Standalone) H1 FY 2027 H1 FY 2027 H1 FY 2027 H1 FY 2027 ₹20,238 Cr ₹193,212 Cr ₹34 Cr 7,904 Nos to 993,900 Customers 46% 36% 54% Deeply Entrenched Pan- YoY Growth YoY Growth YoY Growth India Branch Network 10% 5% QoQ Growth QoQ Growth IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 7 CORPORATE PROFILE WHO WE ARE India's Largest Gold Loan NBFC, Anchored in Trust Tracing our roots to 1887, our enduring leadership is built on nearly nine decades of deep customer trust and loyalty. Uniquely focused since 1939 on Recognised by the Reserve Bank of India as an Gold-Secured Lending Upper Layer NBFC VISION MISSION CORE VALUES Be the most trusted, globally To build leading customer-centric Goodwill Ethics Values diversified institution, enriching businesses enabled by technology, Integrity Reliability the lives of the masses while maintaining the highest standards contributing back to society. of corporate governance and Trustworthiness Dependability uncompromising values. 29 5,230 32,233 REACH PEOPLE States & Union Territories Pan-India Branches Employees IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 8 CORPORATE PROFILE MUTHOOT FINANCE AT A GLANCE Metrics that Define Our Position Distinctive Strengths ₹42,015 Cr 19.81% 6.86 200,000+ Tier-1: 19.04% Mn Tier-2: 0.77% Capital Adequacy Ratio Active Customers Customers Served Per Day Net Worth H1 FY 2027 H1 FY 2027 H1 FY 2027 Shareholder Value ₹137.67 ₹1,046.49 27.72% 300% at ₹30 Dividend per Equity Share Earnings per Share Book Value per Share Return on Equity H1 FY 2027 H1 FY 2027 H1 FY 2027 FY 2026 IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 9 CORPORATE PROFILE OUR JOURNEY A Legacy Build on Trust and Gold 1887 – 1939 1940 – 2000 2001 – 2011 2012 – TODAY FOUNDING DIVERSIFICATION FORMALISATION SCALE AND RECOGNITION Rooted as an 1887 Kerala trading Operating as Muthoot Bankers, we Our RBI licence in 2001 marked By 2020, all three international business, our gold loan journey spent six decades expanding our the beginning of our evolution into rating agencies (Fitch, S&P, began in 1939 with our first loan footprint with our first branch in a pan India NBFC, supported by Moody's) had assigned issuer issued in a village, Kozhencherry, North India at Faridabad in 1979. rapid branch expansion and a ratings to us, alongside our first Kerala scalable operating model, foreign currency bond issuance over the next decade In FY 2025, our standalone loan In 2011, we got listed on AUM crosses ₹1 Tn. NSE and BSE By FY2026, gold loan was no longer a quiet corner of credit, but a central part of India’s formalisation journey IInnvveessttoorr PPrreesseennttaattiioonn QQ42 &FY F 2Y0 220726 10 CORPORATE PROFILE GEOGRAPHICAL PRESENCE A Strong Presence of 5,230 Branches Across India Branches Region Wise State wise Branch Network Himachal Pradesh Jammu & Kashmir Punjab Chandigarh 208 10 Haryana Uttarakhand Assam Tripu [Showing first 8,000 characters — download PDF for full document]