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, 2026. This is for your kind information and re

6.41%

;w::‘;?r of Lendtech 2025 AUM crosses 3000 Cr mut Classifigation: Confidential t GNPA* 6.41% (POS) 6.96% (With Accrued) AUM (Inc Managed 3,%#&1Cr . NNPA* 3.50 $ (POS) 4.12 % (With

6.96%

Lendtech 2025 AUM crosses 3000 Cr mut Classifigation: Confidential t GNPA* 6.41% (POS) 6.96% (With Accrued) AUM (Inc Managed 3,%#&1Cr . NNPA* 3.50 $ (POS) 4.12 % (With Accrued) B

3,%

Classifigation: Confidential t GNPA* 6.41% (POS) 6.96% (With Accrued) AUM (Inc Managed 3,%#&1Cr . NNPA* 3.50 $ (POS) 4.12 % (With Accrued) BLUE WH EEL FINANCIAL RESULTS Q4 FY 26

4.12 %

GNPA* 6.41% (POS) 6.96% (With Accrued) AUM (Inc Managed 3,%#&1Cr . NNPA* 3.50 $ (POS) 4.12 % (With Accrued) BLUE WH EEL FINANCIAL RESULTS Q4 FY 26 Disbursemen Q4 - 569Cr FY 26-2349Cr

5.58%

EQUITY RATIO 4.94 x Classification: Confidential *GNPA % and NNPA Including managed book is 5.58% G - - el rmuthoot CAPITAL Q4 FY 26:X 3,350 Cr Balance sheet Size Q4 FY 26: X 4,056

9.63%

Q4 26 : X569 Cr FY 26 :X2,349 Cr Shareholders Fund 670.42 Cr - Borrowing Cost Q4 26 : 9.63% No of Live Loans 6,04,337 New Customers Q4 : 54,080 CRISIL Rating Rated “A+” Positive

20.88%

sifigation: Confidential Retail Disbursement Trend and TW Blended Rate rrl rmutho CAPITAL 20.88% 19.18% 17.02% 17 015 . JOREE 18.51% —e —— = 18.89% 215108 19.23% % 20.13% 20.6

19.18%

n: Confidential Retail Disbursement Trend and TW Blended Rate rrl rmutho CAPITAL 20.88% 19.18% 17.02% 17 015 . JOREE 18.51% —e —— = 18.89% 215108 19.23% % 20.13% 20.60% 177.

17.02%

ential Retail Disbursement Trend and TW Blended Rate rrl rmutho CAPITAL 20.88% 19.18% 17.02% 17 015 . JOREE 18.51% —e —— = 18.89% 215108 19.23% % 20.13% 20.60% 177.51 279.

18.51%

Trend and TW Blended Rate rrl rmutho CAPITAL 20.88% 19.18% 17.02% 17 015 . JOREE 18.51% —e —— = 18.89% 215108 19.23% % 20.13% 20.60% 177.51 279.94 453.89 345.02 497.91

18.89%

ed Rate rrl rmutho CAPITAL 20.88% 19.18% 17.02% 17 015 . JOREE 18.51% —e —— = 18.89% 215108 19.23% % 20.13% 20.60% 177.51 279.94 453.89 345.02 497.91 632.50 845.68

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 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 in the 0-30 days - Hence no more an NPA as per RBI norms muthioo t Classification: Confidential A E——— Write off Selection Sequence 1 Sequence2 D3andnorecoveryin last quarter Fraudincident reported cases D2 accounts, sourced in 2018 to 2020