1.Company Information

Incorporated in 1997, Muthoot Finance Limited is Kerala based gold loan NBFC company with a legacy of 800 years of the family business. The company offers Gold Loan, Housing Finance (Home Loans), Personal Loan, Insurance, Gold Coins, Money Transfer Services, Foreign Exchange, Mutual Funds, Micro Finance and Vehicle loan.Muthoot Finance has 70 Crore+ customers including repeat customers. Muthoot Finance has a network of 5,330+ branches with 40,000+ employees.MFL provides personal loans and business loans secured by gold jewelry, or Gold Loans, primarily to individuals who possess gold jewelry but are not able to access formal credit within a reasonable time, or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. In addition, MFL provides money transfer services through their branches as sub-agents of various registered money transfer agencies and also provide collection agency services. MFL has also started providing unsecured loans to salaried individuals and loans to traders and self-employed. Apart from the above, MFL also provide micro-finance, housing finance, vehicle and equipment finance and insurance broking services through its subsidiaries.

2.STRENGTHS

(i)   Market leading position in the Gold Loan business in India with pan-India reach and branch network
(ii)   Strong brand name, track record, management expertise and Promoter support.
(iii)  High-quality customer service and robust operating systems
(iv)  Strong capital raising ability to fund a high profitability business model
(v)  In-house training capabilities to meet the branch expansion requirements

3. Ratings

“[ICRA] AA+ (Stable)”

4. Listing

BSE. BSE shall be the Designated Stock Exchange for Tranche III Prospectus. The NCDs are proposed to be listed within 6 Working Days