Muthoot Finance Ltd · NSE:MUTHOOTFIN
Muthoot Finance — Q2 FY2027 Earnings Presentation
62 slides from Muthoot Finance's earnings presentation, Oct 31, 2026
Slide 1: Exchange filing cover letter
Ref: SEC/MFL/SE/2026/6784 October 31, 2026 National Stock Exchange of India Limited Department of Corporate Services Exchange Plaza, BSE Limited, Plot No. C/1, G Block, P. J. Tower, Dalal Street, Bandra-Kurla Complex Mumbai - 400 001 Bandra (E),Mumbai - 400 051 Scrip Code: 533398 Symbol: MUTHOOTFIN
Slide 2: Investor Presentation Financial Results Q2 FY 2027
Investor Presentation Muthoot Finance Limited Financial Results Q2 FY 2027 September 2026
Slide 3: Safe Harbour Statement
DISCLAIMER Safe Harbour Statement This presentation may include statements, which may constitute forward-looking statements. All statements that address expectations or projections about the future, including, but not limited to, statements about the strategy for growth, business development, market
Slide 4: Contents
INDEX Contents Section 1 04-07 Section 2 08-15 Section 3 16-17 Section 4 18-43 Highlights of the Year Corporate Profile Understanding Our Financial the Market Overview Who We Are Standalone Financials What Sets Us Apart Consolidated Financials Section 5 44-55 Section 6 56-58 Section 7 59 Section 8 6
Slide 5: Staying the Course. Strengthening the Future.
Staying the Course. Strengthening the Future. Eight decades have taught us one enduring lesson: for Trust is what we lend against - and always have. growth to last, it must be balanced with prudence. This year, more Indians used their gold to build their lives, That is the discipline this Company wa
Slide 6: Staying the Course. Strengthening the Future.
Staying the Course. Strengthening the Future. We are investing in future-ready capabilities that strengthen our institutional foundation and drive sustained growth. From advanced analytics and data-led decision-making to robust risk governance, modern talent development, and digital collections, eve
Slide 7: Highlights of the Half Year
HIGHLIGHTS OF THE HALF YEAR Strong Growth Driven by Sustained Momentum Consolidated Loan Consolidated Profit Standalone Loan Standalone Profit (AUM) After Tax (AUM) After Tax H1 FY 2027 H1 FY 2027 H1 FY 2027 H1 FY 2027 ₹209,317 Cr ₹6,103 Cr ₹187,810 Cr ₹5,527 Cr 42% YoY Growth 39% YoY Growth 42% YoY
Slide 8: Highlights of the Half Year
HIGHLIGHTS OF THE HALF YEAR Strong Growth Driven by Sustained Momentum Gold Loan Disbursement Consolidated Branch Consolidated Gold Loan Average Gold Loan AUM to New Customers Network (AUM) Per Branch (Standalone) H1 FY 2027 H1 FY 2027 (Standalone) H1 FY 2027 H1 FY 2027 ₹20,238 Cr ₹193,212 Cr ₹34 Cr
Slide 9: India's Largest Gold Loan NBFC, Anchored in Trust
CORPORATE PROFILE WHO WE ARE India's Largest Gold Loan NBFC, Anchored in Trust Tracing our roots to 1887, our enduring leadership is built on nearly nine decades of deep customer trust and loyalty. Uniquely focused since 1939 on Recognised by the Reserve Bank of India as an Gold-Secured Lending Uppe
Slide 10: Muthoot Finance at a Glance
CORPORATE PROFILE MUTHOOT FINANCE AT A GLANCE Metrics that Define Our Position Distinctive Strengths ₹42,015 Cr 19.81% Tier-1: 19.04% Tier-2: 0.77% 6.86 Mn 200,000+ Net Worth Capital Adequacy Ratio Active Customers Customers Served Per Day H1 FY 2027 H1 FY 2027 H1 FY 2027 Shareholder Value ₹137.67 ₹
Slide 11: A Legacy Build on Trust and Gold
CORPORATE PROFILE OUR JOURNEY A Legacy Build on Trust and Gold 1887 – 1939 1940 – 2000 2001 – 2011 2012 – TODAY FOUNDING DIVERSIFICATION FORMALISATION SCALE AND RECOGNITION Rooted as an 1887 Kerala trading Operating as Muthoot Bankers, we Our RBI licence in 2001 marked By 2020, all three internation
Slide 12: A Strong Presence of 5,230 Branches Across India
CORPORATE PROFILE GEOGRAPHICAL PRESENCE A Strong Presence of 5,230 Branches Across India Branches Region Wise State wise Branch Network Jammu & Kashmir Himachal Pradesh 25 13 Punjab Chandigarh Haryana 208 10 8% Uttarakhand Assam 142 46 56 19% Delhi Tripura 245 5 Rajasthan Gujarat Jharkhand 170 Bihar
Slide 13: Gold Loan: Defining the Category We Lead
CORPORATE PROFILE OUR CORE COMPETENCY Gold Loan: Defining the Category We Lead Quick Turnaround Time A short, predictable disbursal experience with minimal TAT Our systems, processes and people of the Company are built around In-depth Product Knowledge this single product A workforce strengthened by
Slide 14: People at the Helm
CORPORATE PROFILE GOVERNANCE People at the Helm Our governance architecture is designed to provide confidence at every level, from the Boardroom to the branch counter, and across regulators, lenders and customers. Promoter Group Independent Directors George Jacob George Alexander Alexander George Th
Slide 15: Beyond Gold Loan
CORPORATE PROFILE OUR SUBSIDIARY ECOSYSTEM Beyond Gold Loan We have built the Group around a single idea: every subsidiary serves an existing or potential customer within our ecosystem. Each entity expands our reach across products, segments or geographies, while preserving the parent’s core focus o
Slide 16: The First Name in Trust
CORPORATE PROFILE WHAT SETS US APART The First Name in Trust India’s Most Trusted Financial Extensive Customer Base 87-Year Legacy Industry Leadership Services Brand Serving a massive, loyal, and Unmatched track record and Dominant market position and Recognised as the nation's premier consistently
Slide 17: A Large Market with Significant Untapped Potential
UNDERSTANDING THE MARKET A Large Market with Significant Untapped Potential India’s organised gold loan market has been growing at a strong pace, yet it still addresses only a small fraction of the gold held by Indian households. Market Snapshot ₹16 Lakh Cr Projected Size of the Organised Gold Loan
Slide 18: Shifts Expanding Future Opportunities
UNDERSTANDING THE MARKET Shifts Expanding Future Opportunities FROM TO Borrowers are shifting from local moneylenders to organised lenders for safer INFORMAL FORMAL custody, transparent valuation, & fairer rates, creating a massive industry tailwind. Rather than pledging in distress, micro-enterpris
Slide 19: Snapshot of Performance
OUR FINANCIAL OVERVIEW CONSOLIDATED Snapshot of Performance H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q2 FY 2026 YoY (%) FY 2026 Group Branch Network (Nos) 7,904 7,524 7,904 7,524 5 7,568 Consolidated Loan AUM* of the Group (₹ in Mn) 2,093,173 1,476,734 2,093,173 1,476,734 42 1,819,165 Consolidated Profit Af
Slide 20: Loan AUM of the Group
OUR FINANCIAL OVERVIEW CONSOLIDATED Loan AUM* of the Group (₹ in Mn) Sep-26 Jun-26 Mar-26 Sep-25 YoY (%) Muthoot Finance Limited 1,878,103 1,720,534 1,628,259 1,323,049 42 Muthoot Homefin (India) Limited 34,601 34,962 34,846 32,465 7 Belstar Microfinance Limited 78,764 78,422 82,224 77,145 2 Muthoot
Slide 21: Gold Loan AUM
OUR FINANCIAL OVERVIEW CONSOLIDATED Gold Loan AUM* Q2 FY 2027 Q1 FY 2027 Loan AUM Gold Loan Accounts Customers Loan AUM Gold Loan Accounts Customers (₹ in Mn) (Tonnes) (No) (No) (₹ in Mn) (Tonnes) (No) (No) Muthoot Finance Limited 1,789,562 204.1 11,501,727 6,864,416 1,632,985 196.5 10,914,811 6,577
Slide 22: Standalone Profitability
OUR FINANCIAL OVERVIEW CONSOLIDATED Standalone Profitability (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q2 FY 2026 Q1 FY 2027 FY 2026 Muthoot Finance Limited 55,271 43,915 29,766 h 23,452 25,505 101,341 Muthoot Homefin (India) Limited 114 104 71 84 42 454 Muthoot Insurance Brokers Private Limited 30
Slide 23: Statement of Assets and Liabilities
OUR FINANCIAL OVERVIEW CONSOLIDATED Statement of Assets and Liabilities (₹ in Mn) Assets Sep-26 Jun-26 Mar-26 Sep-25 Financial Assets Cash and Cash Equivalents 145,649 145,580 126,140 79,668 Bank Balance other than Above 2,230 2,402 2,538 1,538 Derivative Financial Instruments 15,720 13,658 17,580 3
Slide 24: Statement of Assets and Liabilities
OUR FINANCIAL OVERVIEW CONSOLIDATED Statement of Assets and Liabilities (₹ in Mn) Liabilities Jun-26 Sep-26 Jun-26 Mar-26 Sep-25 Financial Liabilities Derivative Financial Instruments - - - 2 Trade Payables 1,423 1,538 1,446 1,596 Other Payables 2,335 1,904 2,036 1,813 Debt Securities 561,631 518,45
Slide 25: Financial Results
OUR FINANCIAL OVERVIEW CONSOLIDATED Financial Results (₹ in Mn) Q1 FY H1 FY 2027 2027 H1 FY 2026 YoY (%) Q2 FY 2027 Q1 FY 2027 QoQ (%) Q2 FY 2026 FY 2026 Income Interest Income 184,128 133,793 38 98,558 85,570 15 70,913 303,709 Service Charges 1,825 1,765 3 958 867 11 927 4,347 Sale of Services 36 8
Slide 26: Statement of Assets and Liabilities
OUR FINANCIAL OVERVIEW STANDALONE Statement of Assets and Liabilities (₹ in Mn) Assets Sep-26 Jun-26n-26 Mar-26 Sep-25 Financial Assets Cash and Cash Equivalents 135,367 134,193 116,860 69,097 Bank Balance Other than Above 167 167 206 127 Derivative Financial Instruments 15,716 13,642 17,549 3,282 T
Slide 27: Statement of Assets and Liabilities
OUR FINANCIAL OVERVIEW STANDALONE Statement of Assets and Liabilities (₹ in Mn) Liabilities Sep-26 Jun-26un-26 Mar-26 Sep-25 Financial Liabilities Derivative Financial Instruments - - - - Trade Payables 1,216 1,327 1,160 1,418 Other Payables 2,020 1,574 1,583 1,442 Debt Securities 553,935 510,825 36
Slide 28: Financial Results
OUR FINANCIAL OVERVIEW STANDALONE Financial Results (₹ in Mn) H1 FY 2027 H1 FY 2026 YoY (%) Q2 FY 2027 Q1 FY 2027 QoQ (%) Q2 FY 2026 FY 2026 Income Interest Income 162,356 118,967 36 87,297 75,060 16 63,044 270,665 Other than Interest Income 2,093 2,559 (18) 1,123 971 16 1,372 5,334 Total 164,450 12
Slide 29: Growth Momentum
OUR FINANCIAL OVERVIEW ASSETS Growth Momentum (₹ in Mn) Standalone Loan AUM Sep-26 Jun-26 Mar-26 Sep-25 YoY(%) QoQ (%) Loan AUM 1,878,103 1,720,534 1,628,259 1,323,049 42 9 Break-up of Loan AUM Gold Loan AUM 1,789,562 1,632,985 1,540,843 1,249,175 43 10 Other Loans 88,541 87,549 87,416 73,874 20 1 D
Slide 30: Secure Portfolio Strategy
OUR FINANCIAL OVERVIEW ASSETS Secure Portfolio Strategy Sep-26 Jun-26 Mar-26 Dec-25 Sept-25 Gold Loan AUM (₹ in Bn) 1,790 1,633 1,541 1,397 1,249 Quantity of Gold Content in Jewellery Held as Security (Tonnes) 204 197 196 205 209 Gold Price/gm (₹) 13,547 12,942 13,441 12,201 10,566 Lender’s Perspect
Slide 31: Customer Base – High Turnover, Strong Retention
OUR FINANCIAL OVERVIEW ASSETS Customer Base – High Turnover, Strong Retention Funding the Entrepreneurial Journey Funding a Household Dream A repeat customer since 2021, Anita Ji had a wish to see her son Virendra approached us again to expand his become an IAS officer. With years of nursery busines
Slide 32: Customer Base – High Turnover, Strong Retention
OUR FINANCIAL OVERVIEW ASSETS Customer Base – High Turnover, Strong Retention Sep-26 Jun-26 Mar-26 Dec-25 Sep-25 Above Gold Loan AUM and No. of Customers Includes: Fresh Gold Loans to Inactive Customers No. of Customers 479,398 460,752 400,342 390,732 411,376 % of Customers 7 7 6 6 6 O/s Loan Amount
Slide 33: Impairment of Loan Assets
OUR FINANCIAL OVERVIEW ASSETS Impairment of Loan Assets Stage-wise Classification of Loan Assets and Expected Credit Loss Provision (₹ in Mn) Sep-26 Jun-26 Mar-26 Sep-25 Stage I Loan Assets 1,570,758 1,662,505 1,579,396 1,287,935 Stage II Loan Assets 234,667 18,764 10,624 5,340 Stage III Loan Assets
Slide 34: Stable Funding Profile
OUR FINANCIAL OVERVIEW LIABILITIES Stable Funding Profile* (₹ in Mn) Sep-26 Jun-26 Mar-26 Sep-25 YoY (%) QoQ (%) Secured Non-Convertible Debentures-Listed 553,817 510,752 360,720 321,449 72 8 Borrowings from Banks/FIs 752,834 646,058 677,134 556,303 35 17 External Commercial Borrowings - Senior Secu
Slide 35: Financial Resilience Meets Operational Efficiency
OUR FINANCIAL OVERVIEW LIABILITIES Financial Resilience Meets Operational Efficiency Maintaining a Diversified Funding Profile* Positioned for Greater Operating Leverage (₹ in Mn) As of September 30, 2026 1% Sep-26 3% Outside Liabilities 1,686,317 16% Cash and Cash Equivalents & Bank Balances 135,38
Slide 36: Break-up of Operating Expenses
OUR FINANCIAL OVERVIEW EXPENSES Break-up of Operating Expenses Yearly (₹ in Mn) Half Yearly / Quarterly (₹ in Mn) H1 FY H1 FY Q2 FY Q2 FY Q1 FY Mar-26 Mar-25 Mar-24 Mar-23 Mar-22 2027 2026 2027 2026 2027 Employee Benefit Expenses 18,248 14,506 12,816 11,044 9,487 10,440 9008 5,352 4,585 5,088 Rent 3
Slide 37: Operating Expenses to Average Loan Assets
OUR FINANCIAL OVERVIEW EXPENSES Operating Expenses to Average Loan Assets Operational Efficiency Over the Years Yearly (%) Half Yearly / Quarterly (%) 3.90 3.62 3.64 3.48 2.92 3.24 2.95 3.02 2.84 2.42 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 H1 FY 2026 H1 FY 2027 Q1 FY 2027 Q2 FY 2026 Q2 FY 2027 Investor
Slide 38: Profitability at a Glance
OUR FINANCIAL OVERVIEW PROFITS Profitability at a Glance Yearly (₹ in Mn) Half Yearly / Quarterly (₹ in Mn) 74,155 136,455 58,969 55,271 43,915 101,341 39,925 70,706 34,230 31,514 29,766 53,094 54,488 46,664 25,505 23,452 52,008 39,543 40,497 34,735 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 H1 FY 2026 H1 F
Slide 39: Profitability Ratios
OUR FINANCIAL OVERVIEW PROFITS Profitability Ratios Half Yearly / Quarterly (%) Yearly (%) Based on Mar-26 Mar-25 Mar-24 Mar-23 Mar-22 H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q2 FY 2026 Q1 FY 2027 Average Loan Assets Interest Income to Avg. Loan Assets 20.16 18.49 17.94 17.70 20.06 18.64 19.77 19.41 19.99
Slide 40: Yield on Loan Assets and NIM
OUR FINANCIAL OVERVIEW RATIOS Yield on Loan Assets and NIM Yearly (%) Half Yearly / Quarterly (%) 19.77 19.99 19.41 18.64 17.93 20.06 20.16 18.49 17.70 17.94 12.41 12.66 11.93 13.03 11.16 12.76 10.41 11.38 11.23 11.45 7.37 7.47 7.52 7.33 7.48 7.02 6.71 7.04 7.40 6.31 Mar-22 Mar-23 Mar-24 Mar-25 Mar-
Slide 41: Interest Spread
OUR FINANCIAL OVERVIEW RATIOS Interest Spread Yearly (%) Half yearly / Quarterly (%) 19.77 19.99 19.41 18.64 17.93 20.06 20.16 18.49 17.70 17.94 10.90 11.21 10.77 11.99 10.01 11.38 9.28 8.87 8.63 8.65 8.78 8.64 9.69 9.45 9.59 8.49 8.90 8.78 8.07 8.01 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 H1 FY 2026 H1
Slide 42: Return on Average Loan Assets
OUR FINANCIAL OVERVIEW RATIOS Return on Average Loan Assets Yearly (%) Half Yearly / Quarterly (%) 7.55 7.30 7.44 7.24 6.62 6.34 6.09 5.93 5.84 5.70 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 H1 FY 2026 H1 FY 2027 Q1 FY 2027 Q2 FY 2026 Q2 FY 2027 Investor Presentation Q2 Q4 FY & FY 2027 2026 41
Slide 43: Return on Average Equity
OUR FINANCIAL OVERVIEW RATIOS Return on Average Equity Yearly (%) Half Yearly / Quarterly (%) 30.61 30.63 29.14 29.40 27.72 26.60 23.55 19.73 17.63 17.86 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 H1 FY 2026 H1 FY 2027 Q1 FY 2027 Q2 FY 2026 Q2 FY 2027 Investor Presentation Q2 Q4 FY & FY 2027 2026 42
Slide 44: Ownership and Valuation
OUR FINANCIAL OVERVIEW SHAREHOLDING Ownership and Valuation Equity Market Valuation Ratios Shareholding Pattern (%) Shareholding as on September 30, 2026 H1 FY 2027 4% Earnings Per Share (₹) NSE Ticker - Basic 137.67 23% MUTHOOTFIN - Diluted 137.67 BSE Ticker Sep-26 73% 533398 Book Value Per Share (
Slide 45: Muthoot Money Limited
OUR SUBSIDIARY ECOSYSTEM Muthoot Money Limited Muthoot Money Ltd (MML) is an RBI-registered Non-Banking Financial Company (NBFC) that specialises in extending gold loans. While initially established to provide commercial vehicle and equipment financing, the Company executed a strategic pivot away fr
Slide 46: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM MUTHOOT MONEY LIMITED Financial Snapshot (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 Number of Branches 1,011 997 1,011 998 998 Number of Employees 5,067 4,791 5,067 5,012 4,884 Loan AUM (₹) 127,158 63,933 127,158 105,503 97,943 Capital Adequacy Ratio (%) 2
Slide 47: Belstar Microfinance Limited
OUR SUBSIDIARY ECOSYSTEM Belstar Microfinance Limited Incorporated in 1988 and registered as an NBFC in 2001, Belstar Microfinance Limited (BML) was acquired by the 'Hand in Hand' group in 2008 to empower Self Help Group entrepreneurs. After launching operations in 2009 with a modest ₹0.20 Mn disbur
Slide 48: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM BELSTAR MICROFINANCE LIMITED Financial Snapshot (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 Number of Branches 1,362 1,287 1,362 1,331 1,312 Number of Employees 10,417 12,169 10,417 10,819 11,514 Loan AUM (₹) 78,764 77,145 78,764 78,422 82,224 Loan Assets (
Slide 49: Muthoot Homefin (India) Limited
OUR SUBSIDIARY ECOSYSTEM Muthoot Homefin (India) Limited Muthoot Homefin (India) Limited (MHIL) is a registered Housing Finance Company under the National Housing Bank (NHB). Driven by a mission to provide affordable housing finance, MHIL strategically targets customers within the Economically Weake
Slide 50: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM MUTHOOT HOMEFIN (INDIA) LIMITED Financial Snapshot (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 Number of Branches 176 166 176 176 175 Number of Sales Offices 176 166 176 176 175 Number of Employees 905 1022 905 957 969 Loan AUM (₹) 34,601 32,465 34,601 34,9
Slide 51: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM MUTHOOT HOMEFIN (INDIA) LIMITED Financial Snapshot (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 Disbursement (₹) 2,774 4,549 1,230 1,544 9,941 Borrowings (₹) 24,199 22,792 24,199 24,440 24,251 Debt Equity Ratio (%) 3.13 3.14 3.13 3.20 3.19 Yield on Advances
Slide 52: Asia Asset Finance PLC
OUR SUBSIDIARY ECOSYSTEM Asia Asset Finance PLC Operating for over 56 years, Asia Asset Finance PLC (AAF) is a fully licensed, deposit-taking institution registered with the Central Bank of Sri Lanka and listed on the Colombo Stock Exchange. Originally established in 1970 to provide retail finance,
Slide 53: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM ASIA ASSET FINANCE PLC Financial Snapshot (LKR in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 LKR/INR 0.2901 0.2932 0.2901 0.2808 0.3008 Number of Branches 125 107 125 120 115 Number of Employees 1,251 1,003 1,251 1,197 1,098 Loan AUM (LKR) 53,939 38,683 53,939 5
Slide 54: Muthoot Insurance Brokers Private Limited
OUR SUBSIDIARY ECOSYSTEM Muthoot Insurance Brokers Private Limited Muthoot Insurance Brokers Private Limited (MIBPL), an unlisted private limited company, operates as a licensed Direct Broker registered with the IRDA since 2013. The Company actively distributes a comprehensive portfolio of both life
Slide 55: Financial Snapshot
OUR SUBSIDIARY ECOSYSTEM MUTHOOT INSURANCE BROKERS PRIVATE LIMITED Financial Snapshot Key Business Parameters (₹ in Mn) H1 FY 2027 H1 FY 2026 Q2 FY 2027 Q1 FY 2027 FY 2026 Premium Collection (₹) 1,438 2,407 736 703 4,556 Number of Policies 343,341 1,255,648 166,877 176,464 1,663,653 Key Financial Pa
Slide 56: Other Subsidiaries
OUR SUBSIDIARY ECOSYSTEM Other Subsidiaries Muthoot Asset Management Private Limited (₹ in Mn) H1 FY H1 FY Q2 FY Q1 FY H1 FY H1 FY Q2 FY Q1 FY FY 2026 FY 2026 2027 2026 2027 2027 2027 2026 2027 2027 Networth 1,399 1,320 1,399 1,378 1,356 Profit After Tax 42 39 20 22 76 Muthoot Trustee Private Limite
Slide 57: Making Every Interaction Better
WHAT POWERS MUTHOOT DIGITAL INFRASTRUCTURE Making Every Interaction Better The way we engage with customers has evolved, what once required a branch visit can now be completed in minutes on a smartphone. Redifining Customer Experience Scaling Operational Impact NEFT 8% 55% 28 Mn 100% 5.5Mn RTGS Shar
Slide 58: The Infrastructure behind Every Customer Interaction
WHAT POWERS MUTHOOT DIGITAL INFRASTRUCTURE The Infrastructure behind Every Customer Interaction What the Customer Can Do What the Stack Does ✦ Pay back loans, top up existing ones, renew or renew with top-up and ✦ Accepts inbound repayments across all major digital rails, including UPI apply for new
Slide 59: The Platforms that Power Muthoot
WHAT POWERS MUTHOOT DIGITAL INFRASTRUCTURE The Platforms that Power Muthoot Every platform our customers use, and the system that runs behind it. Investor Presentation Q2 Q4 FY & FY 2027 2026 58
Slide 60: Stories that Strengthen Trust
MARKETING AND BRANDING INITIATIVES Stories that Strengthen Trust Our marketing places real customer experiences at the centre, turning everyday journeys into powerful expressions of trust. Our Flagship Campaign Current Brand Campaign From a marketing campaign to Fronted by Shri Amitabh Sunheri Soch
Slide 61: Giving Back, with Intent
CORPORATE SOCIAL RESPONSIBILITY Giving Back, with Intent We continue to invest in initiatives that improve quality of life, expand access to opportunity and support inclusive community ₹1,143 Mn 33.7 Lakh development across underserved segments. CSR Expenditure during FY 2026 Beneficiaries Touched i
Slide 62: Thank You
Thank You Registered Office Contact Us NH Bypass, Kochi, Ernakulam, [email protected] Kerala – 682028, India. www.muthootfinance.com