Muthoot Microfin Ltd

ALM update

• Provisional Asset-Liability Management statement for month ended 30 September 2026 filed under SEBI circular DDHS-PoD 2025.
• Statement provides liquidity structure with outflows and inflows by time bucket and instrument category.
• Monetary units are reported in Indian rupees lakhs.
• Includes detailed breakdown across instruments such as bank borrowings, deposits, CPs, NBFC borrowings, investments, and OBS.
• Mismatch metrics disclosed include B-A mismatch, cumulative mismatch, and mismatch as a percentage of total outflows.
• Filing dated October 15, 2026, with signature of Chief Compliance Officer and Company Secretary.

Muthoot Microfin Limited — Trading window closed from October 01, 2026 until 48 hours after declaration of unaudited financial results for the quarter ended September 30, 2026.

ALM filing summary

• Provisional ALM statement for month ended Aug 31, 2026, submitted to SEBI/PoD.
• Contains Structural Liquidity and IRS sections with monetary items in ₹ Lakhs.
• Detailed tables show outflows and inflows by category and tenure, including OBS exposures.
• Filing is a routine regulatory submission to BSE/NSE; no shareholder approvals indicated.
• Governance: Neethu Ajay, Chief Compliance Officer and Company Secretary, signed Sept 15, 2026.
• No governance changes or strategic updates disclosed; no impact on operations or outlook.

Fundraising and key metrics

• Raised ₹250 crore via private placement of listed, secured NCDs with 24-month tenor.
• Issued 2,50,000 NCDs of ₹10,000 each; aggregate ₹250 crore.
• Coupon rate 9.25% per annum, payable monthly.
• First-ranking exclusive charge over receivables secures NCDs.
• CRISIL upgraded rating to AA-/Stable, aiding funding access.
• Cost of funds declined by 75 bps in FY26.
• Active customers: 3.25 million.
• GLP ₹14,457.2 Cr; 1,671 branches across 21 states, 392 districts.
• NCDs listed on BSE Limited.
• Outlook: margins to strengthen while growing responsibly.

NCD Private Placement

• Type of securities: Listed, rated, secured, redeemable Non-Convertible Debentures (NCDs).
• Issuance: Private Placement.
• Total number and value: Up to 2,50,000 NCDs aggregating ₹250 crore.
• Listing: Yes, on BSE Limited.
• Tenure: 24 months; Allotment 8 Sep 2026; Maturity 8 Sep 2028.
• Coupon: 9.25% per annum.
• Security: First ranking exclusive charge over receivables, 1.0x cover.
• Special rights: Nil.
• Issuance within board and shareholder-approved limits.

Issuance details

• Proposed issue comprises 250,000 Secured, Rated, Listed, Redeemable NCDs.
• Face value ₹10,000 each, aggregate ₹250 crore.
• Issuance is via private placement.
• NCDs listed on BSE Limited.
• Tenure is 24 months; deemed allotment Sept 8, 2026; maturity Sept 8, 2028.
• Coupon rate is 9.25% per annum.
• Security consists of a first ranking, exclusive charge of 1.0x over receivables.
• Meeting date: 28 August 2026, 6:10 PM to 6:30 PM.

Meeting details

• Meeting of Debenture Issue and Allotment Committee on Friday, Aug 28, 2026.
• To consider and approve fund raising via private placement of Non-Convertible Debentures (NCDs).

Meeting Details

• Date and time: 31 August 2026, 9:00 AM–6:00 PM.
• Type/format: 1x1 and group meetings; physical in Mumbai.
• Event organiser: MML Investor Roadshow.

Participants

• Company officials to participate (management roles).

Purpose

• Purpose: investor roadshow and investor interaction.

Meeting Details

• Date and time: 01 September 2026, 9:00 AM–6:00 PM
• Type: 1x1 and group meeting; Location: Mumbai
• Event: Ashwamedh – Elara India Dialogue 2026

Participants

• Key company participants: Chief Compliance Officer and Company Secretary

Purpose

• Purpose: participation in investor meeting (Ashwamedh–Elara India Dialogue 2026)