Financial Results Q1 FY 2021

IMPAIRMENT OF LOAN ASSETS Stage III Loans Assets and ECL Provision Stage III Loan Assets % Stage III Assets on Gross Loan Assets ECL Provision on Gross Loan Assets ECL Provision as % of Gross Loan Assets Excess Provision outstanding in books Staging Criteria Stage Stage 1 Stage 2 Stage 3 PD-Probability of default Bad Debts Pa Muthoot Finance (in millions) Jun-20 Mar-20 Jun-19 10,553 8,992 11,474 2.56 2.16 3.20 5,538 5,427 6,896 1.34 1.30 1.93 2,954 2,954 1,191 Description 0-30 days past due > 30 to <= 90 past due > 90 days past due LGD-Loss given default Provision Mechanism PD x LGD x Stage 1 Asset PD x LGD x Stage 2 Asset LGD x EAD of Stage 3 Asset EAD-Exposure at Default Bad Debts Written Off % of Bad Debts written off to Gross Loan Assets (in millions) Q1 FY 2021 Q1 FY 2020 FY 2020 28 13 599 0.007 0.004 0.14 32 32

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