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Muthoot Fincorp Limited Mar '29
₹99,799.51YTM
9.15%Tenure left
30 monthsInterest payout
MonthlyPrincipal payout
BulletBond details
Minimum investment₹99,799.51
Date of maturity06 Mar 2029
ISININE549K07HQ5
Bond typeSenior Secured
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About
Muthoot Fincorp Limited (MFL), set up in 1997, is a systemically important non-deposit-taking Non-Banking Financial Company (NBFC) and the flagship entity of the Muthoot Pappachan Group (MPG). Headquartered in India, the company primarily specializes in lending against gold jewelry and has expanded into secured and unsecured MSME financing, loan against property, and financial product distribution. MFL operates alongside its key consolidated subsidiaries and group entities, including Muthoot Microfin Ltd (microfinance), Muthoot Capital Services Ltd (two-wheeler finance), and Muthoot Housing Finance Company Ltd. As of September 30, 2025, MFL managed a standalone AUM of Rs 41,400 crore across 3,736 branches, while the overall group managed an AUM of Rs 60,240 crore.;
Pros and Cons
Pros
Cons
The company holds a market-leading position as the second-largest non-bank gold financing entity in India, supported by the promoters' extensive experience of over seven decades in gold lending
The group features a diversified product suite across gold loans, microfinance, two-wheeler finance, and housing finance, managing a total AUM of Rs 60,240 crore as of September 2025.
Capitalization remains strong and comfortable, with consolidated net worth reaching Rs 7,627 crore as of June 2025 and a capital adequacy ratio (CRAR) of 18.68%.
The core gold loan portfolio maintains healthy asset quality, with Gross NPAs at 1.4% as of September 2025 and controlled credit costs supported by frequent gold auctions and short-tenure loan products.
The company maintains a strong liquidity profile with positive cumulative ALM gaps across all time buckets and Rs 3,166 crore in available cash equivalents and unutilized credit lines as of December 2025.
Other details
Clean price₹99,895.40
Dirty price₹99,799.51
Current yield9.15%
Security cover--
Issue size200.00Cr
Original bond tenure36 months
TrusteeVardhaman Trusteeship Private Limited
Mode of issueNCD
Listed onNSE
Listing date06 Mar 2026
Coupon rate8.75%
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