Investor Presentaiton

Ⓡ SAFETY OF OUR GOLD LOAN PORTFOLIO Lender's Perspective & Borrower's Perspective Muthoot Finance Jun-22 Mar-22 Jun-21 Mar-21 Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 Gold Loan assets (in Billions) 562 575 521 519 407 336 288 272 243 Quantity of Gold content in Ornaments held 178 187 171 171 176 169 155 149 142 as Security (Tonnes) Gold Price/gm (₹) 4,659 4,716 4,283 4,048 3,955 2,910 2,824 2,725 2,670 Lender's Perspective Market Price of Gold Content in Ornaments 829 882 732 692 696 492 438 406 379 (in Billions) Margin of safety on loans 32% 35% 29% 25% 42% 32% 34% 33% 36% Borrower's Perspective Market Value of Gold Ornaments (in Billions) with 20% additional value towards making charges etc 995 1,058 878 830 835 590 526 487 455 Equity of Borrower in the Gold Ornaments 44% 46% 41% 37% 51% 43% 45% 44% 47% net of loans availed * Above calculations are made on overall portfolio and excludes interest accrued on loans 31

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