#MuthootFinCorp #NCDInvestment #FixedIncome #SecureReturns #HighInterest #MuthootNCD #FinancialPlanning #WealthManagement #InvestSmart #BondsIndia
Chandigarh — Muthoot FinCorp Limited, a prominent non-banking financial company (NBFC) and the flagship entity of the Muthoot Pappachan Group, has announced the launch of its Tranche VI secured, redeemable, non-convertible debenture (NCD) issue, aimed at raising up to ₹290 crore. The issue opened for public subscription on July 4, 2025, and will remain open until July 17, 2025, with a provision for early closure based on investor response.
🔹 Issue Details at a Glance
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Total Issue Size: ₹290 crore
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Base Issue: ₹100 crore
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Green Shoe Option: ₹190 crore
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Face Value: ₹1,000 per NCD
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Tenure Options: 24, 36, 60, and 72 months
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Interest Payment Options: Monthly, Annual, or Cumulative
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Effective Yield: Ranges between 9.20% and 9.80%, depending on tenure and interest option
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Credit Rating: CRISIL AA-/Stable, indicating high safety for timely servicing of debt
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Listing: NCDs will be listed on the BSE’s debt market segment
This NCD issuance forms part of Muthoot FinCorp’s broader ₹2,000 crore shelf limit, as filed with SEBI. The attractive yields and multiple tenure options are expected to appeal to a wide range of investors, especially those seeking fixed-income opportunities with relatively low credit risk.
🔹 Use of Proceeds
Muthoot FinCorp plans to utilize the funds raised from this issue to:
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Finance its core lending and financing operations
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Repay or prepay existing borrowings
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Cover general corporate purposes in alignment with business growth objectives
By strengthening its capital base, the company aims to enhance liquidity and expand its services in India’s underserved financial markets.
🔹 How to Invest
To promote broader participation and digital convenience, Muthoot FinCorp has enabled multiple platforms for investment:
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Muthoot FinCorp ONE: Its proprietary digital platform for seamless NCD investment
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Over 3,700 physical branches across India for offline investors
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Stock Exchange Platforms: Through BSE and NSE
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UPI Applications: Mandatory for retail investors applying for amounts up to ₹5 lakh via intermediaries
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Self-Certified Syndicate Banks (SCSBs): For direct applications from individual bank accounts
This hybrid approach reflects Muthoot FinCorp’s commitment to inclusivity, offering equal access to both urban digital-savvy investors and semi-urban or rural retail investors who prefer in-branch or assisted investments.
🔹 Why Consider Muthoot FinCorp NCDs?
Muthoot FinCorp has built a trusted reputation over decades for serving India’s underserved and underbanked population segments. With a strong legacy, diversified product portfolio, and robust risk management practices, the company remains a key player in the NBFC space.
Some of the compelling reasons for investors to consider this NCD issue include:
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Attractive fixed returns with up to 9.80% annual effective yield, exceeding many traditional fixed-income products like FDs
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Flexible interest payment modes tailored to meet cash flow needs (monthly, yearly, or at maturity)
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High credit rating from CRISIL, ensuring investor confidence in debt servicing ability
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Listing on BSE, ensuring liquidity and transparency
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Safe investment structure—the NCDs are secured, meaning they are backed by assets of the company
🔹 About Muthoot FinCorp
Muthoot FinCorp is a core entity within the Muthoot Pappachan Group, a diversified business conglomerate with interests spanning financial services, hospitality, automotive, and real estate. As an NBFC, Muthoot FinCorp has carved a niche by providing a wide array of financial products tailored to semi-urban and rural populations, such as:
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Gold loans
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Small business loans
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Two-wheeler and auto loans
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Money transfer services
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Microfinance and insurance products
Its customer-centric approach and deep-rooted presence in India’s grassroots economy make it a significant contributor to financial inclusion.
🔖 Quick Recap:
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NCD Issue Open: July 4–17, 2025 (early closure possible)
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Interest Rate: Up to 9.80% annual yield
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Tenures: 24, 36, 60, or 72 months
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Minimum Investment: ₹1,000
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Listed on BSE | CRISIL AA-/Stable
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Available via digital, branch, UPI, SCSB, and stock exchange routes
📲 For More Information:
Visit: www.muthootfincorp.com
Email: customercare@muthoot.com
Or download the Muthoot FinCorp ONE app for easy digital investment
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