Issue Highlights:

Issue Opens	Tuesday, January 17, 2017	Issue Price	Rs. 1000/- per NCD
Issue Closes	Friday, February 17, 2017	Face Value	Rs. 1000 per NCD
Registrar	Link Intime India Private Ltd.	Minimum Application	Rs. 10,000 (10 NCDs) and in multiple of Rs. 1,000 (1 NCD) thereafter across all series
Listing On	BSE	Debenture Trustee	IDBI Trusteeship Services Ltd.
Credit Ratings	"ICRA AA/Stable" by ICRA and "CRISIL AA/Stable" by CRISIL
Lead Managers	Edelweiss Financial Services Ltd. and A. K. Capital Services Ltd.
Issue Size	Public issue of upto Rs.2,000 million with an option to retain oversubscription upto the shelf limit of Rs.14,000 million.

*Effective Yield (per annum) For NCD holders

Series	I	II	III	IV	V	VI	VII	VIII	IX	X	XI
Nature of the NCDs	Secured										Unsecured
Frequency of Interest Payment	Monthly			Annual			NA
Tenure	24 Months	36 Months	60 Months	24 Months	36 Months	60 Months	400 Days	18 Months	24 Months	36 Months	96 Months
Category I	8.50%	8.75%	8.75%	8.75%	9.00%	9.00%	8.00%	8.25%	8.50%	8.75%	8.91%
Category II & III	8.75%	9.00%	9.00%	9.00%	9.25%	9.25%	8.25%	8.50%	8.75%	9.00%	9.06%

Business Overview:

Muthoot Finance Ltd. is the largest gold loan NBFC in India in terms of loan portfolio. According to the IMaCS Research & Analytics Industry Report, Gold Loans Market in India, 2015 ("IMaCS Industry Report (2015)"), They were ranked the largest gold loan company in India in terms of loan portfolio. They provide personal loans and business loans secured by Gold Jewellery, or Gold Loans, primarily to individuals who possess Gold Jewellery 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. According to the IMaCS Industry Report 2015, as of March 31, 2015 their branch network was the largest among gold loan NBFCs in India. Their Gold Loan portfolio as of September 30, 2016 comprised approximately 7.17 million loan accounts in India that they serviced through 4,327 branches across 23 states, the national capital territory of Delhi and five union territories in India. As of September 30, 2016 they employed 23,961 persons in their operations.

They are a "Systemically Important Non-Deposit Taking NBFC" (NBFC-ND-SI) headquartered in the south Indian state of Kerala. Their operating history has evolved over a period of 77 years since M George Muthoot (the father of the Promoters) founded a gold loan business in 1939 under the heritage of a trading business established by his father, Ninan Mathai Muthoot, in 1887. Since their formation, they have broadened the scale and geographic scope of their gold loan operations so that, as of March 31, 2012, they were India's largest provider of Gold Loans. For the years ended March 31, 2012 , 2013, 2014 2015 and 2016, revenues from their Gold Loan business constituted 99.12% 98.77%, 98.07% 98.19% and 98.49% respectively, of their total income. In addition to their Gold Loans business, they provide money transfer services through their branches as sub-agents of various registered money transfer agencies and also provide collection agency services. They also operate three windmills in the state of Tamil Nadu. In February 2014, they entered the business of providing cash withdrawal services through white label ATMs to customers using cards issued to them by commercial banks. They believe that these services will enable them to improve their visibility as well as record increased customer presence in their branches.

Objects for issue:

The Net Proceeds raised through this Issue will be utilised for following activities in the ratio provided as below:

1. For the purpose of lending - 75% of the amount raised and allotted in the Issue

2. For General Corporate Purposes - 25% of the amount raised and allotted in the Issue

Allotment is on First Come First Serve Basis

Click here to download the prospectus of this NCD Issue.

Category I includes Institutional Investors | Category II includes Non Institutional Investors | Category III includes Individuals