Muthoot Finance H1 FY 2024 Financial Performance

DIGITAL INITIATIVES Digital convenience for new gen & Millennium Customer acquisition Muthoot • E-TRANSFER • • Direct Credit Facility Loan proceeds credited to bank account NEFT/RTGS/IMPS/UPI mode of bank transfer Instant credit to customer bank account using UPI 440 682 Pa Muthoot Finance POS Terminals Enables swiping of Debit cards issued by banks Swiping charges for Interest payments waived off Paytm पेPhonePe Google Pay BBPS BHARAT BILL PAYMENT SYSTEM NPCI भारतीय राष्ट्रीय भुगतान निगम NATIONAL MUNTE CORPORATION OF INDIA Less cash handling at branch Loan repayment option through Paytm Phone Pay Google Pay BBPS-Baharat Bill Payment System eCollection-Virtual A/C Remittance UPI Powered by NPCI UPI AutoPay and eMandate for EMI collections • • • 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 RPA enabled UPI VPA mapping using customers verified Mobile No.'s 25

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