Muthoottu Mini Financiers Limited

Muthoottu Mini Financiers Limited NCD

Issue Size (Net)

up to Rs.300 Crs

Credit Ratings

“ICRA A [Stable] by ICRA Limited.”

Issue Opening Date

August 18, 2025

Issue Closing Date

September 01, 2025

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V
Frequency of Interest Payment	Monthly	Monthly	Monthly	Monthly	Annually
Tenor	18 Months	24 Months	36 Months	60 Months	60 Months
"Coupon (% per Annum)"	9.00%	9.25%	9.75%	10.25%	10.50%
"Effective Yield (% per Annum)"	9.38%	9.65%	10.19%	10.74%	10.49%
"Amount on Maturity (In Rs.)"	Rs.1,000	Rs.1,000	Rs.1,000	Rs.1,000	Rs.1,000
Put and Call Option	Not Applicable

1.Company Information

Muthoottu Mini Financiers Limited (MMFL) is an RBI registered non-deposit taking NBFC-ML in the gold loan sector lending money against the pledge of household gold jewellery (“Gold Loans”) in the state of Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Haryana, Maharashtra, Gujarat, Uttar Pradesh and Goa and the union territory of Puducherry and Delhi and is presently controlled by Mathew Muthoottu, son of Roy M. Mathew.Gold loan portfolio as on March 31, 2025 comprises of 6,13,863 gold loan accounts. The Gold Loan product mix varies from 60 days up to 720 days tenure with varying rates of interest and amount of loan to suit the requirements of the customers. For the Fiscal 2025, the yield on Gold Loan assets was 19.06%.The NCDs proposed to be issued under the Issue have been rated [ICRA] A (Stable) by ICRA Limited vide its credit rating letter dated July 30, 2025 and rating rationale dated July 31, 2025

2. Rating:

ICRA A [Stable] by ICRA Limited.

3.Muthoottu Mini Financiers NCD 2025 Registrar

Link Intime India Private Ltd

C 101, 247 Park, L.B.S.Marg,

Vikhroli (West), Mumbai - 400083

Phone:+91-22-4918 6270

Website: https://linkintime.co.in/initial_offer/public-issues.html

Muthoottu Mini Financiers Limited Financial Information (Restated Consolidated)

Period Ended	Total Assets	Total Revenue	Profit After Tax	Net Worth
31-Dec-24	4,647.02	203.57	74.66	752.65
31-Mar-24	4,315.58	671.84	77.83	685.78
31-Mar-23	3,858.13	430.25	67.28	607.02
Amount in Rs. Crore

Issuer	Muthoottu Mini Financiers Limited
Instrument	Secured, Redeemable, Non-Convertible Debentures (Secured NCDs))
Issue Opens on	Monday, August 18, 2025
Issue Closes on	Monday, September 01, 2025
Issue Size	Rs 300.00 Crores
Issue Price / Face Value	Rs 1000 per NCD
Minimum Application	10 NCD
Credit Rating	ICRA A [Stable] by ICRA Limited.
Registrar	Link Intime India Private Ltd
Listing	BSE
Market Lot	1 NCD
Category	I - Institutional	II - Corporate	III - HNI	IV - Retail
Category Allocation	10%	30%	30%	30%
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
Frequency of Interest Payment	Monthly	Monthly	Monthly	Monthly	Annually
Tenor	18 Months	24 Months	36 Months	60 Months	60 Months
"Coupon (% per Annum)"	9.00%	9.25%	9.75%	10.25%	10.50%
"Effective Yield (% per Annum)"	9.38%	9.65%	10.19%	10.74%	10.49%
"Amount on Maturity (In Rs.)"	Rs.1,000	Rs.1,000	Rs.1,000	Rs.1,000	Rs.1,000
Put and Call Option	NA

Prospectus File

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