Muthoot Capital Services Limited

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743 Encl: As above Muthoot Capital Services Limited., Registered Office: 3rd Floor, Muthoot Towers, M.G Road, Kochi - 682 035, Kerala, India P: +91-484-6619600, 6613450, F: +91-484-2381261, Email: ma

46%

ses 1000cr Dec 2024 AUM crosses 2800cr BLUE WHEEL FINANCIAL RESULTS Q3 FY 25 AUM 2833 Cr Y-o-Y 46% DEBT EQUITY RATIO DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77%

4.73%

NANCIAL RESULTS Q3 FY 25 AUM 2833 Cr Y-o-Y 46% DEBT EQUITY RATIO DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 O

56%

TS Q3 FY 25 AUM 2833 Cr Y-o-Y 46% DEBT EQUITY RATIO DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational

77%

46% DEBT EQUITY RATIO DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 283

23.17%

QUITY RATIO DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 2833 Cr Balance

2.22%

DEBT EQUITY RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 2833 Cr Balance sheet Size

60%

Y RATIO 3.94 x GNPA 4.73% Y-o-Y 56% Disbursement 846 Cr Y-o-Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 2833 Cr Balance sheet Size 9M FY 25:

₹ 2833

Y 77% CRAR 23.17% NNPA 2.22% (PCR 60%) PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 2833 Cr Balance sheet Size 9M FY 25: ₹ 3,282 Cr Total Borrowings as on 9M FY 25: ₹ 2566 Cr PBT Q3 : 17

₹ 3,282

PBT 17.29 Cr 6 Operational Highlights AUM 9M FY 25: ₹ 2833 Cr Balance sheet Size 9M FY 25: ₹ 3,282 Cr Total Borrowings as on 9M FY 25: ₹ 2566 Cr PBT Q3 : 17.29 Cr Shareholders Fund 652.12 Cr Yie

₹ 2566

AUM 9M FY 25: ₹ 2833 Cr Balance sheet Size 9M FY 25: ₹ 3,282 Cr Total Borrowings as on 9M FY 25: ₹ 2566 Cr PBT Q3 : 17.29 Cr Shareholders Fund 652.12 Cr Yield 20.62% Borrowing Cost 9.94% No of Live

20.62%

Total Borrowings as on 9M FY 25: ₹ 2566 Cr PBT Q3 : 17.29 Cr Shareholders Fund 652.12 Cr Yield 20.62% Borrowing Cost 9.94% No of Live Customers 5,06,441 New Customers Q3 : 1,00,198 Disbursement Q

Asset Classification

1

Asset Classification

STAGE_1A : Assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalized and currently in the 0-30 days - Hence no more an NPA as per RBI norms STAGE_1B : Assets which had been an NPA in the past but yet to be fully normalized though it has moved to stage 1 currently - Hence an NPA as per current RBI norms STAGE_2A : Assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalized post that and now in 31-90 days DPD - Hence no more an NPA as per RBI norms STAGE_2B : Assets which had been an NPA in the past but yet to be fully normalized though it has moved to stage 2 currently - Hence an NPA as per current RBI norms STAGE_3 : Assets which continues to be a NPA as on the closing date - Hence an NPA as per current RBI norms Stage 3 Assets - Product wise ₹. In Crores Closing Asset Stage 3 POS Stage 3 Accrued Interest Gross Stage 3 Asset Stage 3 Asset % ECL Provision Provision Coverage Net Stage 3 2,832.71