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 P: +91-484-6619600, 6613450, F: +91-484-2381261, Email: mail@mu

38%

- Lendtech 2025 AUM crosses 3000 Cr BLUE WHEEL FINANCIAL RESULTS Q2 FY 26 AUM 3,284 Cr Y-o-Y 38% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 5

5.94%

ANCIAL RESULTS Q2 FY 26 AUM 3,284 Cr Y-o-Y 38% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued)

6.46%

TS Q2 FY 26 AUM 3,284 Cr Y-o-Y 38% DEBT EQUITY RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued) (PCR 60%) P

22.02%

RATIO DEBT EQUITY RATIO 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued) (PCR 60%) PAT 3.31 Cr 5 Operational Highlights AUM Q

2.46 %

EQUITY RATIO 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued) (PCR 60%) PAT 3.31 Cr 5 Operational Highlights AUM Q2 FY 26: ₹ 3,

3.07%

O 4.56 x GNPA 5.94% (POS) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued) (PCR 60%) PAT 3.31 Cr 5 Operational Highlights AUM Q2 FY 26: ₹ 3,284 Cr Bala

60%

) 6.46% (Inc Accrued) Disbursement 535 Cr CRAR 22.02% NNPA 2.46 % (POS) 3.07% (Inc Accrued) (PCR 60%) PAT 3.31 Cr 5 Operational Highlights AUM Q2 FY 26: ₹ 3,284 Cr Balance sheet Size Q2 FY 26

₹ 3,284

46 % (POS) 3.07% (Inc Accrued) (PCR 60%) PAT 3.31 Cr 5 Operational Highlights AUM Q2 FY 26: ₹ 3,284 Cr Balance sheet Size Q2 FY 26: ₹ 3,731 Cr Total Borrowings in Q2 FY 26: ₹ 2,995 Cr PAT Q2 26 : 3

₹ 3,731

PAT 3.31 Cr 5 Operational Highlights AUM Q2 FY 26: ₹ 3,284 Cr Balance sheet Size Q2 FY 26: ₹ 3,731 Cr Total Borrowings in Q2 FY 26: ₹ 2,995 Cr PAT Q2 26 : 3.31Cr Shareholders Fund 656.96 Cr Yiel

₹ 2,995

s AUM Q2 FY 26: ₹ 3,284 Cr Balance sheet Size Q2 FY 26: ₹ 3,731 Cr Total Borrowings in Q2 FY 26: ₹ 2,995 Cr PAT Q2 26 : 3.31Cr Shareholders Fund 656.96 Cr Yield 20.35% Borrowing Cost Q2 26 : 9.74% N

20.35%

Total Borrowings in Q2 FY 26: ₹ 2,995 Cr PAT Q2 26 : 3.31Cr Shareholders Fund 656.96 Cr Yield 20.35% Borrowing Cost Q2 26 : 9.74% No of Live Customers 5,70,419 New Customers Q2 : 51,288 Disburs

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 Sep-2025 Particulars AUM ECL IRACP ₹. In Crores Excess /(Deficit) ECL% IRACP % Performing Assets S1 and S2 Hypothecation Loans S1 and S2 other loan