Muthoot Microfin Ltd Share Price – NSE  / BSE

Finance, Small Cap

 Muthoot Microfin has allotted 75,000 senior, secured, rated, listed, redeemable, transferable non convertible debentures each having a face value of Rs. 10,000 of the aggregate nominal value of up to Rs. 75 crore on private placement basis on 06 January 2026.

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The company stated that the growth in the individual loan portfolio has been supported by disciplined underwriting, focused execution at the ground level, and a sustained emphasis on portfolio quality, complementing its core microfinance operations.

As on 30 September 2025, the company had 3.36 million active customers served through a network of 1,718 branches spread across 21 states and union territories and 392 districts, with a strong focus on rural and semi-urban markets.

Thomas Muthoot, chairman and non-executive director, Muthoot Microfin, said: ?These achievements mark an important milestone in our growth journey.

While microfinance remains the foundation of our business, our calibrated expansion into individual lending is aimed at building a more resilient and balanced portfolio.?

Muthoot Microfin is a part of Muthoot Pappachan Group (also known as Muthoot Blue) and is one of the leading listed MFIs in India. It provides financial assistance through micro loans such as income generating loans to women engaged in small businesses.

The company?s standalone net profit declined 50.5% to Rs 30.52 crore on 12.9% fall in total income to Rs 577.39 crore in Q2 FY26 over Q2 FY25.

The scrip fell 1.64% to currently trade at Rs 170.85 on the BSE.

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Muthoot Microfin today announced a significant business milestone, with its Individual Loan portfolio AUM crossing Rs. 1000 crore, while the Company's overall AUM has surpassed Rs. 13,000 crore.

The milestone reflects Muthoot Microfin's steady progress in strengthening its diversified lending portfolio, while microfinance continues to remains foundation of the Company's business. The growth in the Individual Loan portfolio has been supported by disciplined underwriting, focused execution at the ground level, and a sustained emphasis on portfolio quality, complementing its core microfinance operations.

Muthoot Microfin continues to demonstrate stable operating performance, supported by improving disbursement momentum, strong customer engagement, and consistent collection efficiency. As on 30th September 2025, the Company had 3.36 million active customers served through a network of 1,718 branches spread across 21 states and Union Territories and 392 districts, with a strong focus on rural and semi-urban markets.

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Muthoot Microfin announced a Rs 450 crore capital raise through a private placement of secured, rated, listed redeemable non-convertible debentures (NCDs), offering coupon rates between 9.70% and 9.95% per annum. The proceeds will support onward lending, working capital needs, debt repayment/refinancing, and general corporate purposes.

The issuance will be undertaken in two phases, with Rs 225 crore each to be raised in December 2025 and January 2026, across six tranches of Rs 75 crore each. The NCDs are rated ?CRISIL A+/Positive?, reflecting adequate safety, low credit risk, and the potential for a rating upgrade.

Available in denominations of Rs 10,000 and Rs 1,00,000, the instruments carry 24-month and 36 month tenures with monthly interest pay-outs, providing predictable cash flows for institutional investors. The NCDs are secured by an exclusive first-ranking charge over the Company's receivables with a 1.05x security cover, backed by present and future unencumbered assets.

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