Financial Results Q1 FY 2021

DIGITAL INITIATIVES Online Gold Loan (OGL) • 19.2% of Gold loan Customers are transacting Online Muthoot Online Ⓡ Muthoot Finance ¡Muthoot App Muthoot Qnline im Our online services has now been re-branded to Muthoot Online, from WebPay earlier. Customers can now make payment of interest and principal re-payments using Debit Card/Net Banking. Withdraw available loan amount and renew eligible loans through our Online Gold Loan (OGL) facility. To facilitate this service, we have partnered with leading Banks and online payment gateway service providers. e-Sign facility has been launched in September'17. Bank account online linking feature introduced. Muthoot Mobile App Launched in Nov' 16 has about 22.5 lakhs downloads. Online Gold Loan (OGL) facility available to withdraw loan amount and renewal, apart from payments. Rs.2,084 crs payments from 78 lakhs successful transactions so far. Updated scheme details available with loan calculator. Google maps integrated for easy location of nearest branch and fix appointment. UPI facility has been introduced in Feb'19. Paytm Payment gateway has been introduced in June'19. e-Sign facility has been introduced in Jan'18. Along with gold loans, lead creation for PL, HL, AL also introduced. Bank account online linking feature introduced. 15

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