Strong investor response underscores trust in Muthoottu Mini’s financial strength and growth trajectory

Bengaluru : Muthoottu Mini Financiers Limited (Muthoottu Mini Financiers), one of India’s trusted non-banking financial companies (NBFCs), announced today that its 20th Public Issue of Secured, Redeemable, Non-Convertible Debentures (NCDs) has been fully subscribed and oversubscribed by 2.04 times of the base issue as on the issue closure date, well before the scheduled closing date.

The issue, which opened on August 18, 2025, had a base size of ₹200 crore with a green shoe option of ₹100 crore, aggregating to ₹300 crore. Strong demand from investors across categories led to oversubscription within days of opening, reflecting investor confidence in the Company’s business model, robust financial performance, and consistent track record.

The NCDs carried attractive coupon rates ranging from 9.00% p.a. to 10.50% p.a., with tenures of 18, 24, 36, and 60 months. The highest coupon rate of 10.50% p.a. was offered under the Annual Interest Payment Scheme for a 60-month tenure (Series V).

The issue was rated “A (Stable)” by ICRA, indicating an adequate degree of safety with regard to timely servicing of financial obligations and low credit risk. The funds mobilized will be deployed towards onward lending, repayment/prepayment of borrowings, and general corporate purposes.

Commenting on the overwhelming response, Mr. Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd., said, “The oversubscription of our NCD issue is a strong vote of confidence from investors in Muthoottu Mini’s resilience and growth outlook. We remain committed to creating value for our stakeholders while continuing to serve millions of customers with accessible and reliable financial services.”

According toMr. P.E. Mathai, Chief Executive Officer, Muthoottu Mini Financiers Ltd., “The strong response to our NCD issue highlights the confidence investors have in our robust business model and disciplined approach to growth. Over the years, we have consistently delivered on performance while maintaining prudent risk management practices. This capital infusion will further strengthen our lending capabilities and support our mission of offering simple, transparent, and customer-centric financial solutions across our expanding network.”

Financial Performance Highlights (Q1 FY26 vs Q1 FY25):

  • Revenue from Operations: ₹225.72 crore (↑21.64% YoY)
  • Net Profit: ₹30.14 crore (↑28.13% YoY)
  • AUM: ₹4,477.66 crore (↑27.03% YoY)
  • Gold Loan Portfolio: ₹4,153.70 crore, accounting for 92.76% of total AUM

This consistent double-digit growth across revenue, profitability, and AUM underlines Muthoottu Mini’s ability to deliver sustainable financial performance while reinforcing its leadership in the gold loan segment.