Gold is down 11% so far in 2021; time to exit Muthoot Fin, Manappuram Fin?

Shares of gold financing firms, Muthoot Finance and Manappuram Finance, have traded largely in-line with the benchmark S&P BSE Sensex so far in the calendar year 2021 amid correction in gold prices owing to improving US treasury yields, backed by swift economic recovery. 
 

And while gold experts remain bullish on the yellow metal, analysts tracking the two non-bank finance companies (NBFCs) believe near-term headwinds continue to dampen outlook for the stocks.
 

So far in CY21, shares of Muthoot Finance have advanced 9 per cent on the BSE while those of Manappuram Finance have gained around 6 per cent. In comparison,