Rating
AA-
NCD

MUTHOOT FINCORP LIMITED

ISIN: INE549K07HD3

9.00%YTM
Payouts : Monthly
Maturity Date : 12 Dec 2028
9.00%
YTM
₹ 1,00,260.46
Min Investment
Monthly
Payout
₹ 1,00,000
Face Value
8.80%
Coupon
12 Dec 2028
Maturity Date
Currently subscribedLot Size : 100/100 Units available
0% Completed

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About The Issuer

Muthoot Fincorp Limited (MFL) is the flagship NBFC of the Muthoot Pappachan Group. It is one of India’s largest gold‑loan lenders and also offers microfinance, vehicle and housing loans. The group is diversified with subsidiaries in microfinance (Muthoot Microfin), two‑wheeler finance (Muthoot Capital) and housing finance (Muthoot Housing).

Issuer At A Glance

₹28,509 cr
AUM
₹7,432 cr
Net Worth
₹787 cr
PAT
CRISIL AA-/Stable
Rating
VARDHMAN TRUSTEESHIP PRIVATE LIMITED
Debenture Trustee
Metric
FY25
Gold loan AUM (₹ cr)
28,509
Consolidated net worth (₹ cr)
7,432
Consolidated gearing (×)
5.2
Standalone PAT (₹ cr)
787
Consolidated PAT (₹ cr)
654
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Non‑gold segments:While gold loans are relatively low risk, microfinance and vehicle loans carry higher asset‑quality volatility and credit costs
High gearing:Consolidated gearing 5.2× exposes the company to funding and liquidity pressures
Regulatory changes:Draft RBI guidelines on gold loans could impact business practices and margins

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Units

Trade & Settlement

Trade date
24 Feb 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
₹1,00,260.46
Investment amount
₹1,00,260.46
Total Interest
₹24,520.78
Total Receivable
₹1,24,520.78

Diligence Documents

Debenture Trust DeedDownload
General Information DocumentDownload
KEY INFORMATION DOCUMENTDownload
Debenture Trustee AgreementDownload
Rating Letter and rating rationaleDownload
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