Financial Results Q1 FY 2021

Financial Highlights • . • • Ⓡ Muthoot Homefin Muthoot Finance Disbursements in Q1 FY 2021: Rs 613 mn. AUM as on June 30, 2020: Rs. 19,787 mn, Loan Book as on June 30, 2020: Rs 17,517 mn. Average Ticket Size in Q1 FY 2021: Rs.1.01 mn Business Presence: Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, Kerala, Andhra Pradesh, Telangana, Karnataka, Uttar Pradesh, Haryana, Chandigarh, Delhi, Punjab, Tamil Nadu, Chattisgarh and Pondicherry Presence in 107 locations ROA for Q1 FY 2021: 0.09%, ROE for Q1 FY 2021: 0.38% Average cost of borrowings of 9.40% for Q1 FY 2021. Capital Adequacy Ratio: 47.22%, Debt Equity Ratio: 3.44 Average Yield: 13.04%, Interest Spread: 3.64% . Received PMAY subsidy of INR 466 mn for 2235 cases in Q1 FY 2021. Growth Drivers Increasing the leverage from 3.44x currently will help to improve the ROE Higher credit rating will help in raising funds at competitive rates. Profitability • Strong liquidity in Group's balance sheet, along with its free cash flows to fund the capital requirements Established corporate brand name among borrower segment, superior customer servicing capabilities and effective loan recovery mechanisms Tier II / III cities focused distribution network with a in-house sales team along with cross-sale to the existing gold loans customers of the group Long Term Rating from CRISIL AA (Positive) which indicates low risk will help in lower cost of funds. Short Term Rating: ICRA A1+ / CARE A1+ Debt/Equity ratio at 3.44 times as on June 30, 2020, indicates ample scope for financial leverage to increase ROE Infrastructure sharing with the parent (Muthoot Finance) helps reduce overall Opex Our focus segment, "affordable housing finance" is the centered around the Government initiative of "Housing for All" by 2022 Government promoted schemes such as PMAY-CLSS will benefit the end consumers. Opportunities • Huge shortfall for housing units in EWS / LIG segment in India • Attraction of builders to the construction of affordable housing due to Infrastructure status given in Union Budget Increase in affordability driven by sustained GDP growth rate and stable property prices. Decrease in average members per household and emergence of nuclear families Increase in workforce to be driven by expected bulge in working age population Increasing urbanization led by rural-urban migration and reclassification of rural towns 58

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