Muthoot Finance Ltd. Secured NCD

Muthoot Finance Ltd. is coming out with the public issue of Secured NCDs & RR has been appointed as the Lead Manager to the Issue.

Issue Period – 17^th Sept 2012 – 5^th Oct 2012

Allotment - First Come First Serve Basis

Rating : Crisil AA-, ICRA AA-

Tenor : 2 year, 3 year, 5 year & Double option(72 months)

Coupon- Up to 12.00%.

Effective Yield – up to 12.40%.

Available in D’mat & Physical (except double option)

       Highlights of the Company:

                   Muthoot Finance Ltd. is the largest gold financing company in India in terms of loan portfolio and Flagship Company of the Muthoot Group.

                   Its’ Gold Loans have a max. 12 month term and average disbursed Gold Loan amount outstanding was Rs. 40,611 per loan account as of March 31, 2012.

                   Muthoot Group has more than seven decades of business history.

Key Financials of the company:

Particulars	FY11	FY12	Q1 FY13
Gross retail Loan AUM (Rs. Cr.)	15868.5	24673	23335
Net Worth (Rs. Cr.)	1334	2925	3161
PAT(Rs. Cr.)	494	892	246
CAR (%)	15.80%	18.30%	19.40%
Net NPAs/Net retail Loan %	0.33	0.57	-

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