Muthoot Capital Services Limited

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re Requirements) Regulations, 2015, please find enclosed the presentation to be made to the Investors, for the Quarter and Financial Year ended March 31, 2025. This is for your kind information and re

52%

rd - Lendtech 2025 AUM crosses 3000 Cr BLUE WHEEL FINANCIAL RESULTS FY 25 AUM 3,058 Cr Y-o-Y 52% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 8

4.88%

FINANCIAL RESULTS FY 25 AUM 3,058 Cr Y-o-Y 52% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6

84%

% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058

22.36%

ITY RATIO DEBT EQUITY RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058 Cr Balance s

2.30%

EBT EQUITY RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058 Cr Balance sheet Size FY

60%

RATIO 4.34 x GNPA 4.88% Y-o-Y 52% Disbursement 2,642 Cr Y-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058 Cr Balance sheet Size FY 25: ₹ 3,

₹ 3,058

-o-Y 84% CRAR 22.36% NNPA 2.30% (PCR 60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058 Cr Balance sheet Size FY 25: ₹ 3,584 Cr Total Borrowings in FY 25: ₹ 2,853 Cr Disbursement in Q4

₹ 3,584

60%) PBT 60.40 Cr 6 Operational Highlights AUM FY 25: ₹ 3,058 Cr Balance sheet Size FY 25: ₹ 3,584 Cr Total Borrowings in FY 25: ₹ 2,853 Cr Disbursement in Q4 25 : ₹ 655 Cr FY 25 : ₹ 2,642 Cr PBT

₹ 2,853

Highlights AUM FY 25: ₹ 3,058 Cr Balance sheet Size FY 25: ₹ 3,584 Cr Total Borrowings in FY 25: ₹ 2,853 Cr Disbursement in Q4 25 : ₹ 655 Cr FY 25 : ₹ 2,642 Cr PBT Q4 25 : 6.98 Cr FY 25 : 60.40 Cr Shar

₹ 655

alance sheet Size FY 25: ₹ 3,584 Cr Total Borrowings in FY 25: ₹ 2,853 Cr Disbursement in Q4 25 : ₹ 655 Cr FY 25 : ₹ 2,642 Cr PBT Q4 25 : 6.98 Cr FY 25 : 60.40 Cr Shareholders Fund 658.06 Cr Yield 20

₹ 2,642

FY 25: ₹ 3,584 Cr Total Borrowings in FY 25: ₹ 2,853 Cr Disbursement in Q4 25 : ₹ 655 Cr FY 25 : ₹ 2,642 Cr PBT Q4 25 : 6.98 Cr FY 25 : 60.40 Cr Shareholders Fund 658.06 Cr Yield 20.61% Borrowing Co

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 Mar-25 T