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A+
NCD

Muthoot Microfin Limited

ISIN: INE046W07370

10.70%YTM
Payouts : Monthly
Maturity Date : 6 Feb 2028
10.70%
YTM
₹ 1,00,022.06
Min Investment
Monthly
Payout
₹ 1,00,000
Face Value
9.70%
Coupon
06 Feb 2028
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

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About The Issuer

Muthoot Microfin Limited (MML) is an NBFC-MFI and part of the Muthoot Pappachan Group, focused on providing collateral-free microfinance loans to low-income women borrowers across rural and semi-urban India. The company follows the Joint Liability Group (JLG) lending model and has a pan-India branch network. Muthoot Microfin is among the largest MFIs in India by AUM and benefits from strong promoter backing, brand recall, and diversified funding access including banks, NCDs, and ECBs.

Metric
FY25
AUM (₹ cr)
~12,060
Net Worth (₹ cr)
~2,850 – 2,900
Gearing (×)
~3.2×
PAT (₹ cr)
~553
CAR (%)
~32%+
GNPA (%)
~2.5%
Rating
CRISIL A+ / Positive
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Unsecured Microfinance Portfolio:Entire portfolio is unsecured JLG lending to low-income women borrowers, making asset quality sensitive to income shocks, climate events, and regional disruptions.
Asset-Quality Cyclicality:GNPA increased marginally in FY25 due to seasoning of newer books and regional stress pockets; microfinance portfolios are inherently cyclical.
Geographic Concentration:High exposure to certain states (TN, Bihar, WB, UP, MP, Odisha). Local political or regulatory disruptions can impact collections.
Regulatory Risk:NBFC-MFI regulations on pricing caps, borrower indebtedness limits, and fair-practice norms can impact margins and growth velocity.
Funding & Liquidity:Although diversified (banks, NCDs, ECB), MFIs remain sensitive to liquidity tightening in wholesale funding markets.

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Units

Trade & Settlement

Trade date
12 Mar 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹1,00,022.06
Investment amount
₹1,00,022.06
Total Interest
₹19,400.05
Total Receivable
₹1,19,400.05

Diligence Documents

Consent Letter_20260209105522Download
Rating letter and rationale_20260209105522Download
KEY INFORMATION DOCUMENTDownload
Debenture Trustee AgreementDownload
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