Investor Presentaiton

Ⓡ SAFETY OF OUR GOLD LOAN PORTFOLIO Lender's Perspective & Borrower's Perspective Muthoot Finance Sep-21 Jun-21 Mar-21 Sep-20 Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15 Gold Loan assets ( in Billions) 547 521 519 462 407 336 288 272 243 233 Quantity of Gold content in Ornaments held as Security (Tonnes) 178 171 171 163 176 169 155 149 142 131 Gold Price/gm (₹) 4,200 4,283 4,048 4,621 3,955 2,910 2,824 2,725 2,670 2,470 Lender's Perspective Market Price of Gold Content in 748 732 692 753 696 492 438 406 379 324 Ornaments (in Billions) Margin of safety on loans 27% 29% 25% 39% 42% 32% 34% 33% 36% 28% Borrower's Perspective Market Value of Gold Ornaments (in Billions) with 20% additional value towards making charges etc 898 878 830 904 835 590 526 487 455 389 Equity of Borrower in the Gold Ornaments net of loans availed 39% 41% 37% 49% 51% 43% 45% 44% 47% 40% * Above calculations are made on overall portfolio and excludes interest accrued on loans 30

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