Muthoot NCD Public Issue - Opening on September 2, 2013 (Monday) with Coupon Rates

Dear All,

Company has obtained the ROC approval. The Issue is scheduled to open on September 2, 2013 (Monday) and close on September 16, 2013(Monday).

Brief terms of the Issue are as follows:

Nature of the Secured NCDs

We are offering Secured NCDs which shall have a fixed rate of interest. The Secured NCDs will be issued at a face value of ` 1,000.00 per NCD. Interest on the Secured NCDs shall be payable in the manner, as set out hereinafter. The terms of the Secured NCDs offered pursuant to the Issue are as follows:

Options	I	II	III	IV	V	VI	VII		VIII	IX	X
Frequency of Interest Payment	Monthly*	Monthly*	Monthly*	Annually**	Annually**	Annually**	NA		NA	NA	NA
Who can apply	All categories of investors (Category I, II and III)
Minimum Application	` 10,000.00 (10 NCDs)	` 10,000.00 (10 NCDs)	` 10,000.00 (10 NCDs)	` 10,000.00  (10 NCDs)	` 10,000.00  (10 NCDs)	` 10,000.00  (10 NCDs)	` 10,000.00  (10 NCDs)	` 10,000.00  (10 NCDs)		` 10,000.00  (10 NCDs)	` 10,000.00  (10 NCDs)
In multiples of	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)		` 1,000.00 (1 NCD)	` 1,000.00 (1 NCD)
Face Value of NCDs (` / NCD)	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00		` 1,000.00	` 1,000.00
Issue Price (` / NCD)	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00		` 1,000.00	` 1,000.00
Tenor from Deemed Date of Allotment	24 months	36 months	60 months	24 months	36 months	60 months	400 days	24 months		36 months	60 months
Coupon (% per annum)(for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	11.50%	12.00%	11.50%	12.00%	12.25%	12.00%	NA	NA		NA	NA
Effective Yield (Per annum)(for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	11.50%	12.00%	11.50%	12.00%	12.25%	12.00%	11.00%	12.00%		12.55%	12.00%
Mode of Payment	Through various options available
Amount (` / NCD) on Maturity*** (for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,000.00	` 1,121.71	` 1,254.52		` 1,425.76	` 1,762.78
Maturity Date (From Deemed Date of Allotment)	24 months	36 months	60 months	24 months	36 months	60 months	400 days	24 months		36 months	60 months
Nature of indebtedness	Secured

Nature of the Unsecured NCDs

We are offering Unsecured NCDs which shall have a fixed rate of interest. The Unsecured NCDs will be issued at a face value of ` 1,000.00 per NCD. Interest on the Unsecured NCDs shall be payable in the manner as set out hereinafter. The terms of the Unsecured NCDs offered pursuant to the Issue are as follows:

Option	XI
Frequency of Interest Payment	NA
Who can apply	All categories of investors (Category I, II and III)
Minimum Application	` 10,000.00(10 NCD)
In multiples of	` 1,000.00(1 NCD)
Face Value of NCDs (` / NCD)	` 1,000.00
Issue Price (` / NCD)	` 1,000.00
Tenor from Deemed Date of Allotment	72 months
Coupon (% per annum)(for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	NA
Effective Yield (Per annum)(for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	12.25%
Mode of Payment	Through various options available
Amount (` / NCD) on Maturity*(for Category 1 - Institutional, Category 2 – Non-Institutional, and Category 3 - Individual)	` 2,000
Maturity Date (From Deemed Date of Allotment)	72months
Nature of indebtedness	Unsecured

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