Muthoot Finance Limited , a leading Indian financial services company, has successfully settled USD 600 million worth of 6.375% Senior Secured Notes that were due in 2030. The notes were issued under the company's $2 billion Global Medium Term Note Programme.

Key Details of the Settlement

The Finance Committee of Muthoot Finance's Board of Directors approved the settlement and allotment of the notes at its meeting held on September 2, 2025. The notes will be listed on the NSE IFSC Limited.

Terms of the Notes

• Size of the Issue: USD 600.00 Million
• Coupon Rate: 6.375%
• Maturity: March 2, 2030
• Listing: NSE IFSC Limited

Amortization Schedule

The notes will be repaid in five installments:

1. March 2, 2029
2. June 2, 2029
3. September 2, 2029
4. December 2, 2029
5. March 2, 2030 (Final principal payment)

Interest Payment Details

Interest on the notes will be paid semi-annually on March 2 and September 2 each year, commencing from March 2, 2026.

Security

The notes are secured by a first-ranking pari passu charge (by way of hypothecation) over all current assets, book debts, loans and advances, receivables, including gold loan receivables, both present and future.

Use of Proceeds

The net proceeds from the issue will be used by Muthoot Finance for onward lending and other activities permitted by the ECB Guidelines, in accordance with approvals granted by the Reserve Bank of India.

This settlement demonstrates Muthoot Finance's strong financial position and its ability to manage long-term debt obligations effectively. The successful completion of this transaction also highlights the company's continued access to international capital markets, which can support its future growth and expansion plans.

As one of India's largest gold financing companies, Muthoot Finance's ability to raise and settle substantial amounts of foreign currency denominated debt underscores its robust business model and financial stability in the non-banking financial services sector.

Muthoot Finance , a leading non-banking financial company (NBFC), has completed an additional equity infusion of ₹499.99 crore into its wholly-owned subsidiary, Muthoot Money Limited. The company announced the completion of share allotment on December 30, 2025, following the board's earlier decision in November 2025.

Transaction Details

The equity infusion transaction involved the following key parameters:

Strategic Objectives

The additional equity infusion serves multiple strategic purposes for strengthening Muthoot Money Limited's financial position. The funds will be utilized for funding business operations, general corporate purposes, and repayment of existing loans. This move aims to strengthen the subsidiary's capital base and improve its capital adequacy ratio, positioning it for enhanced operational capabilities.

Subsidiary Performance Overview

Muthoot Money Limited, headquartered in Kerala, operates as a Non-Banking Financial Company (NBFC) and has demonstrated remarkable growth trajectory in recent years:

The substantial increase in turnover over the past three years underscores the growing importance of Muthoot Money within the Muthoot Finance group.

Ownership Structure and Compliance

Muthoot Money Limited remains a wholly-owned subsidiary of Muthoot Finance Limited, with the additional equity infusion not resulting in any change in shareholding structure. Some directors of Muthoot Finance Limited also serve on the Board of Muthoot Money Limited, maintaining strategic alignment between the parent company and subsidiary.

The transaction was disclosed in compliance with Regulation 30 of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements Regulations, 2015. No governmental or regulatory approvals were required for this internal equity infusion.

Market Impact

This equity infusion reflects Muthoot Finance's commitment to strengthening its subsidiary's financial position and expanding its presence in the non-banking financial services sector. The move is expected to enhance Muthoot Money's ability to expand operations and compete more effectively in the evolving financial services landscape.