Home Our Business Financial Services

Muthoot Fincorp Ltd: The Financial Legacy of Muthoot Pappachan Group

Muthoot Fincorp Ltd., the flagship Company of the Group, with strong fundamentals, is a proactive Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India. Muthoot Fincorp is a mass provider of finance in the form of gold and other loans with over 3600 branches pan India and an average of 40,000 customers a day.
At Muthoot Fincorp Ltd., the products are specifically planned & designed to serve customers who are unable to access mainstream commercial banks. This unique structure is a result of decades of research and experience in the company's rural strongholds. This also allows the company to provide quick and customized finance options and investment products.

MFL also has a microfinance product named the Muthoot Mahila Mitra, which felicitates the upliftment of the weaker sections of society by providing small loans to female clients engaged in small income generating activities. The product is based on the Grameen model of lending; it is designed to promote entrepreneurship among female clients and to promote inclusive growth of clients who are at the bottom of the pyramid.

MFL had revenue of Rs. 2023.23 Crores with Profit After Tax(PAT) of Rs. 87.44 Crores for 2015-2016 and net worth of Rs 1421.07 Crores

MFL's short term instruments/debts are rated at A1 and long term instruments/debt at A negative by the leading rating agency CRISIL.

Muthoot Capital Services Ltd: Catering to all parts of the country.

Muthoot Capital Services Ltd. promoted by the Muthoot Pappachan Group is a Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India and its equity shares listed in Bombay Stock Exchange (BSE) and National Stock Exchange of India (NSE).

Established in 1994, Muthoot Capital Services Ltd offers fund based financial services to retail, corporate and institutional customers directly and through the wide network of branches of Muthoot Fincorp Ltd. Its portfolio includes commercial finance products predominantly two-wheeler loans, public deposits and Business loans.

Whether it is non-convertible debentures or lease financing, auto loans or medium enterprise loans, Muthoot Capital Services Ltd. (MCSL) has an enormous variety of blue-ribbon services and products on offer. With an established base in rural and semi-urban areas in South India, it's now looking to expand throughout the country.

MCSL is listed on the BSE with revenue of Rs. 158.76 Crores and PAT of Rs. 22.21 Crores for half year ended September 30, 2014.

MCSL's short term instruments/debts are rated at CRISIL A1, long term instruments/debt at CRISIL A/Negative, fixed deposit programme at FA/Negative by the leading rating agency CRISIL.

Muthoot Housing Finance Company Ltd.: Your Keys To Home Finance

When it comes to home finance for the lower middle and lower income group, the Muthoot Housing Finance Company(MHFCL) has the keys to the home they dream of.

MHFCL is headquartered in Mumbai with operations presently in Maharashtra, Gujarat, Madhya Pradesh,Kerala, Tamil Nadu, Karnataka and Uttar Pradesh.

MHFCL mainly caters to the housing finance needs of customers whose income ranges from Rs. 10,000 to Rs. 30,000- per month and offers loans ranging from Rs. 3 lakhs to Rs. 25 lakhs, up-to 80% of the property value with a loan repayment period of upto 15 years. The Company offers loans for the purchase of ready property, under-construction house / flats, for self construction on owned plot of land and for home extension.

MHFCL is a subsidiary of the Group's Flagship Company, Muthoot Fincorp Limited and is registered with the National Housing Bank

MHFCL's long term debts are rated at A-/Stable by the leading rating agency CRISIL.

Muthoot Microfin Limited Ltd

Muthoot Microfin Limited is the microfinance arm of the Muthoot Pappachan Group is a diversified conglomerate with an overwhelming presence in multiple verticals. Muthoot Microfin is dedicated to serve the bottom of pyramid section of society by providing customised financial services to the needy, underserved and those who have limited access to regular financial institutions and banks.

Muthoot Risk Insurance and Broking Services (MRIBS)

Muthoot Risk Insurance and Broking Services Private Limited (MRIBS) is dedicated to servicing customers with a wide array of Life Insurance and General Insurance products of leading insurance companies. Headquartered in Trivandrum, Kerala. MRIBS hold an insurance Broking License (Life & General) granted by the IRDA of India. Acting as an insurance intermediary, MRIBS assist clients in choosing cost-effective insurance covers and also helps them in the area of pursuing their claims with insurance companies to achieve prompt and fair settlements. Only a professional insurance broker like MRIBS can provide technical advices regarding the evaluation of different insurance companies and their various policies with their specialized knowledge in the insurance sector. MRIBS has a team of highly qualified and experienced insurance professionals who are ready to assist the clients in some areas with completely free-of-cost.

Having tie-ups with more than 25 leading insurance companies in India, MRIBS issued a respective number of Life and General Insurance policies till now. Risk Management advice is another specialised service available from MRIBS and also undertake pre-insurance risk assessment surveys. MRIBS is promoted by Muthoot Pappachan Group, founded in 1887 is a business conglomerate in the forefront of innovation and satisfying their customers for the last 12 decades. MPG diversified its business into different segments and its flagship company is Muthoot Fincorp Limited which has 3600+ branches over PAN India.