MUTHOOT FINANCE Q2 FY27: RAISES GOLD LOAN GROWTH GUIDANCE BY ADDITIONAL 10%; CONSOLIDATED PAT UP 36% YOY, LOAN AUM CROSSES ₹2 LAKH CR

• FY27 Growth Guidance: Management revises gold loan growth guidance upward by an additional 10%, supported by strong demand for secured lending and expansion of the formal gold loan market • Quarterly Results: Consolidated PAT increased 36% YoY and 16% QoQ to ₹3,278 Cr, while standalone PAT grew 27% YoY and 17% QoQ to ₹2,977 Cr • Standalone Income: Total income increased 37% YoY and 16% QoQ to ₹8,842 Cr • Record Loan AUM: Consolidated loan AUM surged 42% YoY and 9% QoQ to ₹2,09,317 Cr, reaching its highest-ever level • Gold Loan Growth: Consolidated gold loan AUM increased 46% YoY to ₹1,93,212 Cr, while standalone gold loan AUM grew 43% YoY to ₹1,78,956 Cr • Quarterly Gold Loan Expansion: Standalone gold loan AUM increased by ₹15,658 Cr during Q2, reflecting approximately 9.6% sequential growth • Branch Expansion: Group opened 336 new branches in H1 FY27, including 262 by Muthoot Finance; standalone network reached 5,230 branches • New Customer Acquisition: Disbursed ₹20,238 Cr in gold loans to approximately 9.94 lakh new customers during H1 FY27 • Customer Growth: Active customers increased from 64 lakh to 69 lakh during H1, while pledged gold holdings increased from 196 tonnes to 204 tonnes • Muthoot Money Merger: Board approved merger of wholly owned subsidiary Muthoot Money into Muthoot Finance, with appointed date April 1, 2027, subject to approvals, to improve operational and financial efficiency • Muthoot Money Performance: Loan AUM surged 99% YoY to ₹12,716 Cr, while H1 PAT jumped 242% to ₹364 Cr • Belstar Microfinance Turnaround: H1 PAT reached ₹144 Cr versus loss of ₹160 Cr YoY, with GNPA improving to 3.26% from 4.58% YoY • Belstar Gold Loan Expansion: Opened 82 gold loan branches during H1, taking the total to 163, with gold loan AUM reaching ₹484 Cr • Asset Quality & Returns: Standalone return on average equity improved to 29.4% from 26.6% QoQ, while capital adequacy declined to 19.81% from 20.30% • H1 Performance: Consolidated PAT increased 39% YoY to ₹6,103 Cr, while standalone PAT grew 26% to ₹5,527 Cr • Future Growth Plans: Focused on expanding gold loan penetration, technology-led customer services, branch expansion and integration of Muthoot Money

MUTHOOT FINANCE LIMITED

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