BRSR

Ref: SEC/MFL/SE/2025/6708 August 7, 2026 National Stock Exchange of India Ltd. Department of Corporate Services Exchange Plaza BSE Limited Plot No. C/1, G Block, Bandra - Kurla Complex, P.J. Tower, Dalal Street Bandra (E), Mumbai - 400 051 Mumbai - 400 001 Symbol: MUTHOOTFIN Scrip Code: 533398 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: Business Responsibility and Sustainability Report – FY 2025-26 We herewith enclose a copy of the Business Responsibility and Sustainability Report for the financial year 2025-26. Thank you, For Muthoot Finance Limited Rajesh A Company Secretary ICSI Membership No. FCS 7106 Business Responsibility and Sustainability Report / Statutory Reports ANNEXURE 3 Business Responsibility and Sustainability Report FY 2025-26 Section A: GENERAL DISCLOSURES I. Details of Listed Entity 1 Corporate Identity Number (CIN) of the Listed Entity L65910KL1997PLC011300 2 Name of the Listed Entity MUTHOOT FINANCE LIMITED 3 Year of incorporation 1997 4 Registered office address NH BYPASS, PALARIVATTOM, KOCHI 682 028 5 Corporate address NH BYPASS, PALARIVATTOM, KOCHI 682 028 6 E-mail mails@muthootgroup.com 7 Telephone 0484 4804000 8 Website https://www.muthootfinance.com/ 9 Financial year for which reporting is being done 2025-26 10 Name of the Stock Exchange(s) where shares are listed BSE & NSE 11 Paid-up Capital 4,01,46,84,760 12 Name and contact details (telephone, email address) of the Rajesh A person who may be contacted in case of any queries on 0484-4804000 the BRSR report compliance@muthootgroup.com 13 Reporting boundary Standalone basis 14 Name of assessment or assurance provider Tibu & Niyas Chartered Accountants G1, National Residency, Metro Pillar 449, NH 47, Bank Jn.; Edappally, Office: 0484 - 2960489 15 Type of assessment or assurance obtained Reasonable Assurance on BRSR Core Indicators II. Products/services 16. Details of business activities (accounting for 90% of the turnover): Sl. No. Description of Main Activity Description of Business Activity % of Turnover of the entity 1 Financial Service Non-Banking Financial Services 96.35% 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): Sl. No. Product/Service NIC Code % of total Turnover contributed 1 Financial Service Non-Banking Financial Services 96.35% III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of branches Number of regional offices/other offices Total National 4,968 89 5,057 International 0 0 0 Muthoot Finance Limited Annual Report 2025-26 19. Markets served by the entity: a) Number of locations Locations Number National (No. of States) 22 states, the national capital territory of Delhi and 6 Union Territories in India International (No. of Countries) 0 b) Contribution of exports as a percentage of the total turnover of the entity: Not applicable c) A brief on types of customers: W ith a pan-India network of over 4,900 branches, we serve a diverse customer base of small business owners, vendors, traders, farmers, and salaried individuals. Our clients choose us for our convenience, accessibility, and speed, securing the credit they need by pledging gold jewellery rather than navigating traditional banking loans. While retail Gold Loans remain our primary offering, we also provide a robust suite of unsecured financing solutions designed to meet both personal and professional needs. Our unsecured personal loans are extended primarily to salaried employees, and self-employed individuals to fund personal and consumption expenses. For businesses and professionals, we offer tailored unsecured business loans that support wholesale and retail traders, as well as self-employed experts such as doctors, chartered accountants, company secretaries, and architects. IV. Employees 20. Details as at the end of Financial Year: a) Employees and workers (including differently abled): Sl. Male Female Particulars Total (A) No. No. (B) % (B/A) No. (C) % (C/A) EMPLOYEES 1. Permanent (D) 31,613 23,335 73.81% 8,278 26.19% 2. Other than Permanent (E) 0 0 0 0 0 3. Total employees (D + E) 31,613 23,335 73.81% 8,278 26.19% WORKERS* 4. Permanent (F) 0 0 0 0 0 5. Other than Permanent (G) 0 0 0 0 0 6. Total workers (F + G) 0 0 0 0 0 *The Company, being an NBFC engaged in providing financial services, does not engage any “Workers” as defined under the BRSR framework; accordingly, the subsequent questions in the BRSR pertaining to this category are not applicable. b) Differently abled Employees and workers: Sl. Male Female Particulars Total (A) No. No. (B) % (B/A) No. (C) % (C/A) DIFFERENTLY ABLED EMPLOYEES 1. Permanent (D) 0 0 0 0 0 2. Other than Permanent (E) 0 0 0 0 0 3. Total differently abled employees 0 0 0 0 0 (D + E) DIFFERENTLY ABLED WORKERS 4. Permanent (F) 0 0 0 0 0 5. Other than Permanent (G) 0 0 0 0 0 6. Total differently abled workers 0 0 0 0 0 (F + G) 26 Muthoot Finance Limited Annual Report 2025-26 Business Responsibility and Sustainability Report / Statutory Reports 21. Participation/Inclusion/Representation of women No. and percentage of females Position Total (A) No. (B) % (B/A) Board of Directors (BoD)* 15 1 6.66 Key Management Personnel (KMP)* 2 0 0 *The Board of Directors and Key Management Personnel are considered as on March 31, 2026. 22. Turnover rate for permanent employees and workers FY 2025-2026 FY 2024-2025 FY 2023-24 Particulars (%) Male Female Other Total Male Female Other Total Male Female Other Total Permanent 26% 24% 0 25% 25% 29% 0 26% 34% 37% 0 35% Employees Permanent NA NA NA NA NA NA NA NA NA NA NA NA Workers V. Holding, Subsidiary and Associate Companies (including joint ventures) 23. a) Names of holding/subsidiary/associate companies/joint ventures Indicate whether Does the entity indicated at Sl. Name of the holding/subsidiary/associate holding/ % of shares held column A, participate in the No. companies/joint ventures (A) Subsidiary/ Associate by listed entity Business Responsibility initiatives Company/ Joint Venture of the listed entity? (Yes/No) 1 Asia Asset Finance PLC Subsidiary 72.92% No 2 Muthoot Homefin (India) Limited Subsidiary 100% No 3 Muthoot Insurance Brokers Private Limited Subsidiary 100% No 4 Belstar Microfinance Limited Subsidiary 66.13% No 5 Muthoot Money Limited Subsidiary 100% No 6 Muthoot Trustee Private Limited Subsidiary 100% No 7 Muthoot Asset Management Private Limited Subsidiary 100% No VI. CSR Details 24. (i) Whether CSR is applicable as per section 135 of Companies Act 2013: Yes (ii) Turnover (in ₹): ₹ 2,75,999 million (iii) Net worth (in ₹): ₹ 3,77,340 million Muthoot Finance Limited Annual Report 2025-26 VII. Transparency and Disclosures Compliances 25. C omplaints/Grievances on any of the principles (Principles 1 to 9) under the National Guidelines on Responsible Business Conduct: FY 2025-2026 FY 2024-2025 (Current Financial Year) (Previous Financial Year) Number of Number of Stakeholder Grievance Number of Number of complaints complaints group from Redressal If yes, then provide complaints complaints pending pending whom Mechanism web-link for filed Remarks filed Remarks resolution resolution complaint is in Place grievance redress policy during the during the at close of at close of received (Yes/No) year year the year the year CommunitiesYes https://cdn. 0 0 No complaints 0 0 No complaints muthootfinance.com/ were received were received sites/default/files/pdf/ Grievance-Redressal- Policy-for-Stakeholders.pdf Investors Yes https://cdn. 5 0 No pending 5 0 No pending (Other than muthootfinance.com/ complaints to complaints to shareholder)* sites/default/files/pdf/ be resolved be resolved Grievance-Redressal- Policy-for-Stakeholders.pdf Shareholders Yes https://cdn. 7 0 No pending 11 0 No pending muthootfinance.com/ complaints to complaints to sites/default/files/pdf/ be resolved be resolved Grieva [Showing first 8,000 characters — download PDF for full document]