Investor Presentation

August 06, 2026 BSE Limited National Stock Exchange of India Limited Corporate Relationship Department, Exchange Plaza, 5th Floor, 2nd Floor, New Trading Wing, Plot No. C/1, G Block, Rotunda Building, Bandra Kurla Complex, Bandra (E), P.J. Towers, Dalal Street, Mumbai 400001 Mumbai 400 051 Scrip Code: 544055 Scrip Code: MUTHOOTMF Dear Sir/Madam, Sub: Investor Presentation for the Quarter ended June 30, 2026 – Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Pursuant to Regulation 30 read with Para A of Part A of Schedule III of the Listing Regulations, we hereby submit Investor Presentation on Unaudited Financial Results of the Company for the quarter ended June 30, 2026. Kindly take the same on records. Thanking you, Yours faithfully, For Muthoot Microfin Ltd. Neethu Ajay Chief Compliance Officer and Company Secretary INVESTOR PRESENTATION Q1 FY’ 2027 Muthoot Microfin Limited Disclaimer Disclaimer By accessing this presentation, you agree to be bound by the following terms and conditions. This presentation (which may reflect some price-sensitive information in terms of SEBI regulations and Companies Act, 2013, as amended from time to time) has been prepared by Muthoot Microfin Limited (the “Company”). The Company may alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify any persons of such change or changes. This presentation may contain certain “forward-looking statements”. These statements include descriptions regarding the intent, belief or current expectations of the Company or its management and information currently available with its management, including with respect to the results of operations and the financial condition of the company. By their nature, such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such forward-looking statements as a result of various factors and assumptions that the Company believes to be reasonable in the light of its operating experience in recent years. Many factors could cause the actual results, performances, or achievements of the Company to be materially different from those contemplated by the relevant forward-looking statement. Significant factors that could make a difference to the Company’s operations include domestic and international economic conditions, changes in government regulations, tax regimes, and other statutes. There may be additional material risks that are currently not considered to be material or of which the Company and its advisors or representatives are unaware. Against the background of these uncertainties, readers should not rely on these forward-looking statements. Neither the Company nor any of its advisors or representatives, on behalf of the Company, assumes any responsibility to update or revise any forward-looking statement that may be made from time to time by or on behalf of the Company or to adapt such forward-looking statement to future events or developments. This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Ind AS, and should not be considered an alternative to profit, operating revenue, or any other performance measures derived in accordance with Ind AS or an alternative to cash flow from operations as a measure of liquidity of the Company. No representation, warranty, guarantee, or undertaking (express or implied) is made as to, and no reliance should be placed on, the accuracy, completeness, or correctness of any information, including any projections, estimates, targets, opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein and, accordingly, none of the Company, its advisors and representative and any of its or their affiliates, officers, directors, employees or agents, and anyone acting on behalf of such persons accepts any responsibility or liability whatsoever, in negligence or otherwise, for any loss or damage, direct, indirect, consequential or otherwise arising directly or indirectly from use of this presentation or its contents or otherwise arising in connection therewith. This presentation is based on information regarding the Company and the economic, regulatory, market, and other conditions as in effect on the date hereof. It should be understood that subsequent developments may affect the information contained in this presentation, which neither the Company nor its advisors or representatives are under an obligation to update, revise or affirm. You must make your own assessment of the relevance, accuracy, and adequacy of the information contained in this presentation and must make such independent investigation as you may consider necessary or appropriate for such purpose. Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results. By attending this presentation, you acknowledge that you will be solely responsible for your own assessment of the market and the market position of the Company and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Company’s business. This presentation and its contents are not and should not be construed as a prospectus or an offer document, including (as defined under the Companies Act, 2013, to the extent notified and in force) or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended. The information contained herein does not constitute or form part of an offer, solicitation, or invitation of an offer to purchase or subscribe, for securities nor shall it or any part of it form the basis of or be relied on in connection with any contract, commitment or investment decision in relation thereto. By accessing this presentation, you accept that this disclaimer and any claims arising out of the use of the information from this presentation shall be governed by the laws of India and only the courts in Ernakulam , Kerala, and no other courts shall have jurisdiction over the same. MPG - Legacy of 138+ years of history Muthoot Pappachan Group (MPG) is a Well Diversified Business Conglomerate Our Promoters Automotive Other bussiness Thomas Muthoot Hospitality Chairman & Non-Executive Director, MML Real Estate Information Technology Infrastructure Thomas John Muthoot Chairman, Muthoot Pappachan Group Precious Metals Alternate Energy Sectors Present across microfinance, gold finance, two-wheeler finance and housing finance Thomas George Muthoot Non-Executive Director, MML Muthoot Microfin Limited (MML) is the Promoters have infused Rs 3,421 Mn 2nd Largest company by AUM under the in MML till date Muthoot Pappachan Group. One of the few NBFC-MFIs where the original promoters have continued to retain ownership and control over the business� Journey So Far Journey So Far • MML Rating upgrade to “AA-/Stable” 2026 • Strengthens Non-JLG portfolio. MSEL AUM crosses >32,000 Mn. 2025 • Raised USD 128Mn via ECB. • Secures ESG Score of 72.2 with CareEdge-ESG Rating, highest • Entered Telangana and Andhra rating tier by CARE. Pradesh State • Secures e-KYC Licence to conduct Aadhaar enabled e-KYC for customer onboarding. 2024 • Started operations in Assam. • CRISIL revises outlook on long term facilities/NCDs to ‘Positive’; Ratings Reaffirmed at 'Crisil A+’; CareEdge Global assigns ‘BB-/Stable’ rating to dollar bonds of Muthoot Microfin Limited • Launched the ‘Mahila Mitra’ app 2023 • Company forays into Individual loans, Gold loans and Micro-LAP • AUM Crossed ₹50,000 Mn • Raised ₹1.9 Bn from GPC through preferential allotment The IPO of Muthoot Microfin was launched in Dec-23, witnessed a bi [Showing first 8,000 characters — download PDF for full document]