Muthoot Capital Services Limited

rs,

790 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

49%

- Lendtech 2025 AUM crosses 3000 Cr BLUE WHEEL FINANCIAL RESULTS Q1 FY 26 AUM 3,239 Cr Y-o-Y 49% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.76% Disbursement 619 Cr CRAR 22.07% NNPA 2

5.76%

ANCIAL RESULTS Q1 FY 26 AUM 3,239 Cr Y-o-Y 49% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.76% Disbursement 619 Cr CRAR 22.07% NNPA 2.70% (PCR 60%) PAT(Loss) (4.41)Cr 5 Operational Hig

22.07%

9 Cr Y-o-Y 49% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.76% Disbursement 619 Cr CRAR 22.07% NNPA 2.70% (PCR 60%) PAT(Loss) (4.41)Cr 5 Operational Highlights AUM Q1 FY 26: ₹ 3,239 Cr

2.70%

% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.76% Disbursement 619 Cr CRAR 22.07% NNPA 2.70% (PCR 60%) PAT(Loss) (4.41)Cr 5 Operational Highlights AUM Q1 FY 26: ₹ 3,239 Cr Balance she

60%

TY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.76% Disbursement 619 Cr CRAR 22.07% NNPA 2.70% (PCR 60%) PAT(Loss) (4.41)Cr 5 Operational Highlights AUM Q1 FY 26: ₹ 3,239 Cr Balance sheet Size Q

₹ 3,239

CRAR 22.07% NNPA 2.70% (PCR 60%) PAT(Loss) (4.41)Cr 5 Operational Highlights AUM Q1 FY 26: ₹ 3,239 Cr Balance sheet Size Q1 FY 26: ₹ 3,707 Cr Total Borrowings in Q1 FY 26: ₹ 2,993 Cr PAT Q1 26 : (

₹ 3,707

ss) (4.41)Cr 5 Operational Highlights AUM Q1 FY 26: ₹ 3,239 Cr Balance sheet Size Q1 FY 26: ₹ 3,707 Cr Total Borrowings in Q1 FY 26: ₹ 2,993 Cr PAT Q1 26 : (4.41)Cr Shareholders Fund 653.65 Cr Yi

₹ 2,993

s AUM Q1 FY 26: ₹ 3,239 Cr Balance sheet Size Q1 FY 26: ₹ 3,707 Cr Total Borrowings in Q1 FY 26: ₹ 2,993 Cr PAT Q1 26 : (4.41)Cr Shareholders Fund 653.65 Cr Yield 20.29% Borrowing Cost Q1 26 : 9.89%

20.29%

Total Borrowings in Q1 FY 26: ₹ 2,993 Cr PAT Q1 26 : (4.41)Cr Shareholders Fund 653.65 Cr Yield 20.29% Borrowing Cost Q1 26 : 9.89% No of Live Customers 5,70,622 New Customers Q1 : 65,781 Disburs

9.89%

2,993 Cr PAT Q1 26 : (4.41)Cr Shareholders Fund 653.65 Cr Yield 20.29% Borrowing Cost Q1 26 : 9.89% No of Live Customers 5,70,622 New Customers Q1 : 65,781 Disbursement in Q1 26 : ₹ 619 Cr EPS

rs 5,70,622

1)Cr Shareholders Fund 653.65 Cr Yield 20.29% Borrowing Cost Q1 26 : 9.89% No of Live Customers 5,70,622 New Customers Q1 : 65,781 Disbursement in Q1 26 : ₹ 619 Cr EPS Q1 26 : (₹ 2.84) A+ CRISIL Rati

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 Expected Credit Loss (ECL) Vs IRACP Jun -2025 Particulars AUM ECL IRACP ₹. In Crores Excess /(Deficit) ECL% IRACP % Performing Assets S1 and S2 Hypothecation Loans S1 and S2 other loa