Financial Performance FY 2022

DIGITAL INITIATIVES Digital convenience for new gen & Millennium Customer acquisition Direct Credit Facility Muthoot . E-TRANSFER • Loan proceeds credited to bank • • account NEFT/RTGS/IMPS mode of bank transfer Less cash handling at branch Instant credit to customer bank account Paytm पेPhonePe Google Pay BBPS BHARAT BILL PAYMENT SYSTEM NPCI भारतीय राष्ट्रीय भुगतान निगम NATIONAL MUNTE CORPORATION OF INDIA Loan repayment option through Paytm Phone Pay Google Pay BBPS-Baharat Bill Payment System eCollection-Virtual A/C Remittance UPI Powered by NPCI . • • . • • 440 682 Pa Muthoot Finance POS Terminals Enables swiping of Debit cards issued by banks Swiping charges for Interest payments waived off New Initiatives Launched Al based Chat bot with transactional capabilities. WhatsApp banking facility launched with online-top up facility. RPA enabled Penny Drop verification for Bank Account online linking. Video KYC and Digital KYC are enabled for Customers Digital on-boarding through CRM. BBPS enabled Payment link generation through SMS or WhatsApp. New Payment Gateway Razorpay added in iMuthoot Mobile App • BBPS Utility Payment through iMuthoot Mobile App 16

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