Muthoot Fincorp Limited NCD

Issue Size (Net)

up to Rs.300Cr

Credit Ratings

CRISIL AA-/Stable

Issue Opening Date

April 12, 2023

Issue Closing Date

April 26, 2023

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Annual	Monthly	Monthly	Monthly	Annually	Cumulative	Cumulative	Cumulative
Tenor	27 Months	42 Months	60 Months	48 Months	60 Months	27 Months	42 Months	84 Months
Coupon (%) per annum*	8.40%	8.65%	8.80%	9.00%	9.15%	NA	NA	NA
Effective Yield (%) (per annum)*	8.71%	9.00%	9.15%	9.37%	9.15%	8.71%	9.00%	9.37%
Amount (₹/NCD) Maturity for Category III & IV	1,000	1,000	Rs. 1000	Rs. 1,000	Rs. 1,000	Rs 1207	Rs.1353	Rs.1873

1.Company Information

Muthoot Fincorp Limited is a non-deposit taking NBFC. The company is primarily engaged in the business of offering personal and business loans which are secured by gold ornaments and jewelry. The gold loan product is available for personal and business purposes to meet short-term liquidity requirements of the individuals. As of September 30, 2021, the Gold loan portfolio of the company is comprised of approximately 36.18 lakhs loan accounts.Currently, Company operates through 3,658 branches located across 24 states in India. The company employs 17,013 people including 233 contracted experts in its operations

2. Ratings

The company has received rating of CRISIL AA-/Stable by CRISIL Ratings Limited for the NCDs proposed to be issued pursuant to this Issue.

3. Muthoot Fincorp NCD Registrar

Integrated Registry Management Services Private Limited

2 nd Floor, Ramakrishna Street, North Usman Road,
T. Nagar, Chennai - 600 017
Phone: + 91 44 2814 0801 to 803
Email: mfinipo@integratedindia.in
Website: http://www.integratedindia.in/

Muthoot Fincorp Limited Financial Information (Consolidated)

Amount in Rs. Crore
Period Ended	Total Assets	Total Revenue	Profit After Tax	Net Worth
31-Mar-20	21241.81	3765.99	257.93	2653.03
31-Mar-21	26284.54	4101.19	397.28	3034.7
31-Mar-22	28422.34	4355.13	412.55	3731.16

Issuer	Muthoot Fincorp Limited NCD
Instrument	Secured Redeemable Non-Convertible Debentures (NCDs)
Issue Opens on	Wednesday, April 12 2023
Issue Closes on	Wednesday , April 26 2023**
Issue Size	Rs. 150 Cr with an option to retain oversubscription up to Rs. 150 Cr aggregating upto to Rs.3,00Cr.
Issue Price / Face Value	Rs.1,000/- per NCD
Minimum Application	Rs.10,000/- (10 NCD) and in multiples of Rs.1,000/- (1 NCD) thereafter.
Credit Rating	CRISIL AA-/Stable by CRISIL Ratigns Limited
Registrar	Integrated Registry Management Services Private Limited
Listing	The NCDs are proposed to be listed on BSE and NSE
Category	I - Institutional	II - Non-Institutional	III - Retail	IV
Category Allocation	5%	35%	60%
Put/Call Option	N.A.
Mode of Allotment	Compulsorily in dematerialized form.
Allotment	First Come First Serve Basis
Depositories	NSDL and CDSL

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Monthly	Monthly	Monthly	Monthly	Annually	Cumulative	Cumulative	Cumulative
Tenor	24 Months	24 Months	60 Months	84 Months	60 Months	27 Months	42 Months	84 Months
Coupon (%) per annum*	8.40%	8.65%	8.80%	9.00%	9.15%	NA	NA	NA
Effective Yield (%) (per annum)*	8.71%	9.00%	9.15%	9.37%	9.15%	8.71%	9.00%	9.37%
Amount (₹/NCD) Maturity for Category III & IV	Rs. 1,000	Rs. 1,000	Rs. 1,000	Rs. 1,000	Rs. 1,000	Rs 1207	Rs.1353	Rs.1873

Prospectus File

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