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The Muthoot Group Phone: +91 4842396478,2394712 Fax: +91 484 239 6506, 239 7399 Mai/[email protected]

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The Muthoot Group Phone: +91 4842396478,2394712 Fax: +91 484 239 6506, 239 7399 Mai/S@Muthootgroup.Com Muthoot Finance Limited Registered Office: 2nd floor, Muthoot Chambers, Opp. Saritha Theatre Complex, ~ Banerji Road, Emakulam - 682 018 Kerala, India. ~ CIN : L65910KL 1997PLC 011300 The Muthoot Group Phone: +91 4842396478,2394712 Fax: +91 484 239 6506, 239 7399 mai/[email protected] www.muthootgroup.com ISSUE OF COMMERCIAL PAPER LETTER OF OFFER PART I PROPOSED DATE OF ISSUE: 13/08120Y CREDIT RATING FOR cr CRA-l CRA-2 CREDIT RATING FOR CP CRISIL Al+ [ICRA] Al+ ISSUED BY CRISIL LTD ICRALTD / DATE OF RATING 03/08/2021 \ 2710712021 (' VALIDITY FOR ISSUANCE 30 days from 03/08/2021 90 days from 27/07/2021 VALIDITY PERIOD FOR RATING 12 months ('" 27/07/2021 to 46/10/2022 (" FOR AMOUNT Rs.5000 Crores Rs.5000 Crores CONDITIONS (If any) : NIL CREDIT SUPPORT (If any) : NOT APPLICABLE EXACT PURPOSE OF ISSUE OF CP . THE FUNDS RAISED THROUGH THIS ISSUE WILL BE UTILISED FOR OUR VARIOUS FINANCING ACTIVITIES INCLUDING LENDING AND INVESTMENTS, TO REP AY OUR EXISTING LIABILITIES OR LOANS AND TOWARDS OUR BUSINESS OPERATIONS INCLUDING WORKING CAPITAL REQUIREMENTS AND GENERAL CORPORATE PURPOSES DESCRIPTION OF INSTRUMENT : 3.88% Yield to Mat?ty AMOUNT : Rs.250 Crorr" ISSUED BY : MUTHOOT FINANCE LIMITED IN FAVOUR OF : ISSUER OF CP/HOLDERS OF CP DETAILS OF CURRENT TRANCHE CURRENT VALIDITY ISIN AMOUNT MATURITY CREDIT PERIOD OF CRA DATE RATING RATING CRISIL Al+ 12 MON)YS CRISIL LTD & INE414GI4RYY Rs,250Cpres 12/11120Y- [ICRA] Al+ ICRALTD The Muthoot Group Muthoot Finance Limited Registered Office; 2nd floor. Muthoot Chambers, Opp. Saritha Theatre Complex, Banerji Road, Emakulam - 682018 Kerela, India. ~ CIN; L65910KL1997PLC 011300 The Muthoot Group Phone; +914842396478,2394712 Fax ; +91 484 239 6506, 239 7399 [email protected] www.muthootgroup.com LISTING : PROPOSED TO BE LISTED ISSUING AND PAYING AGENT : HDFC BANK LIMITED 1st FLOOR, S.L.PLAZA, PALARIV ATTOM, KOCHl-682025 MARKET CONVENTIONS : FIMMDA CONVENTIONS CP BORROWING LIMIT : Rs.5000 Crores SUPPORTING BOARD RESOLUTION FOR CP BORROWING : FINANCE COMMITTEE RESOLUTION RESOLUTION DATED : Dated 24.03.2020 TOTAL CP OUTSTANDING (AS ON DATE): Rs.4175 Crore( DETAILS OF CPs ISSUED DURING THE LAST 15 MONTHS: AS PER ANNEXURE-l * Issuer's liability under the CP will continue beyond due date, in case the CP is not redeemed on due date, even if the CP is in de-mat. DETAILS OF OTHER LISTED DEBT INSTRUMENTS OUTSTANDING : AS PER ANNEXURE -2 BANK FUND BASED FACILITIES FROM BANKS/FINANCIAL INSTITUTIONS, IF ANY : AS PER ANNEXURE -3 NAME AND ADDRESS OF ISSUER : MUTHOOT FINANCE LIMITED, 2ND FLOOR, MUTHOOT CHAMBERS, OPP. SARITHA THEATRE COMPLEX, BANERJI ROAD, KOCHI- 682018. LINE OF BUSINESS : LENDING CHIEF EXECUTIVE : MR. GEORGE ALEXANDER MUTHOOT (MANAGING DIRECTOR) GROUP AFFILIATION (If any) : NIL The Muthoot Group Muthoot Finance Limited Registered Office: 2nd floor, Muthoot Chambers, Opp. Saritha Theatre Complex, Banerji Road, Emakulam - 682 018 Kerala, India. ~ CIN: L65910KL1997PLC 011300 The Muthoot Group Phone: +91 484 239 6478,2394712 Fax: +91 484 239 6506, 239 7399 [email protected] www.muthootgroup.com FINANCIAL SUMMARY FIGURES "Rs in Lakhs" 3M ENDED YEAR ENDED YEAR ENDED YEAR ENDED 30.06.2021 31.03.2021 31.03.2020 31.03.2019 .- EQUITY 40120 40120 40104 40066 NET WORTH 1538415 1523889 1157181 979272 INVESTMENT IN SUBSIDIARIES/ AFFILIATES 90299 90299 89817 83797 TOTAL DEBT OUTST ANDING * 2546051 2644533 2008375 1946521 ·SHORT TERM«=1 YEAR) 2235135 1957435 1714259 745708 -OTHER DEBT GROSS INCOME 271493 1057436 872279 688063 OPERATING PROFIT (PBITD) 229311 874656 688884 535223 GROSS PROFIT (PBTD) 131093 505412 409790 311538 NET PROFIT (POST TAX) 97116 372218 301830 197214 *Taken on principal value AUDIT QUALIFICATIONS (If any) :NIL MATERIAL LITIGATION, IF ANY : AS PER ANNEXURE -4 REGULATORY STRICTURES, IF ANY DETAILS OF DEFAULT OF CPs, INCLUDING TECHNICAL DELAY IN REDEMPTION DURING PAST THREE YEARS : NIL DETAILS OF DEFAULT AND DELAY IN REDEMPTION OF ANY OTHER BORROWINGS DURING LAST THREE YEARS : NIL AUTHORISED SIGNATORY OF THE ISSUER : MS. SHERIN MARIAM VARGHESE SENIOR MANAGER - FINANCE DATE : 11/08/2021 ( ORIGINAL/AUTHENTICATED COPY OF ANY DOCUMENT RELATED TO ABOVE INFORMATION WILL BE MADE AVAILABLE TO THE INVESTORS ON REQUEST. The Muthoot Group Annexure -1 COMMERCIAL PAPER ISSUED DURING LAST 15 MONTHS Rated Amount Credit Amount Date of Amount issued Date of Sl. outstanding Name of IPA Credit rating agency rating (Rs in ISIN Issue (Rs in crs) Maturity No. (Rs in ers) crs) I INE414GI40S8 18-05-2020 200.00 17-08-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 2 INE414GI40P4 19-05-2020 200.00 18-08-2020 NIL HDFCBANK CRlSILLtd&ICRALtd AI+ 5000 3 INE414GI40Q2 20-05-2020 200.00 19-08-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 4 INE414GI40RO 18-05-2020 100.00 14-08-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 ~~5-+~IN~E~4~14~G~I~4~O~T6~-+~II~-~06~-2~0~2~0~ ~15~0~.0~0+- ~0~9~-0~9~-2~0~20~~N~IL~HD~F~C~B~A~N~K~C~Rl~S~IL~L~t~d~&~I~C__ 4- __~RA~L~59~ ~W~~A~I~+ ~~6-+~IN~E~4~14~G~I__~4~O~U~ __~~4II~-0~6~-2~0~2~0~ ~25~0~.0~0+- 1~0~-0~9~-2~0~20~~N~IL~HD~F~C~B~A~N~K~C· ~Rl~S~IL~Lt~d~&~__I~C~RA~L~td4-~?~ ~~A~I~+ 7 INE414G140V2 12-06-2020 250.00 11-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ ::000 8 INE414GI40WO 15-06-2020 250.00 14-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 9 INE414GI40X8 16-06-2020 i50.00 15-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 10 INE414GI40Y6 17-06-2020 250.00 16-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 II INE414GI40Z3 18-06-2020 250.00 17-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 12 INE414G14PA3 19-06-2020 250.00 18-09-2020 NIL HDFCBANK CRlSILLtd&ICRALtd AI+ '5000 13 INE414GI4PBI 24-06-2020 200.00 23-09-2020 NIL HDFCBANK CRISILLtd & ICRALtd AI+ 5000 14 INE414GI4PC9 25-06-2020 150.00 24-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 IS INE414Gi4PD7 26-06-2020 200.00 25-09-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 16 INE414GI4PE5 22-07-i020 100.00 20-10-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 17 INE414GI4PF2 22-07-2020 250.00 21-10-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 18 INE414GI4PGO 23-07-2020 350.00 22-10-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 19 INE414GI4PH8 24-07-2020 300.00 23-10-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 20 INE414GI4PI6 28-07-2020 450.00 27-10-2020 NIL HDFCBANK CRISILLtd & ICRALtd AI+ 5000 21 INE414GI4PJ4 29-07-2020 400.00 28-10-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 22 INE414GI4PK2 14-08-2020 50.00 13-11-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5~?~ ~2~3-fIN~E4~1~4~G714__~~P~K72 ~17~-0~8~-2~0~2~0~ -715~0~.0~0+- ~1~3~-I~I~-2~02~0~~N~IL~HD~FC~B~A~N~K~C~Rl~S~IL~L~t~d~&~I~C~RA~L__ 4-~?~ ~td~+A~I~+ 24 INE414GI4PLO 18-08-2020 250.00 17-11-2020 NIL HDFCBANK CRISILLtd & ICRALtd AI+ :,000 25 INE414GI4PM8 19-08-2020 250.00 18-11-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 26 INE414G14PN6 10-09-2020 250.00 10-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ ';000 27 INE414GI4P04 11-09-2020 250.00 11-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 28 INE414G14PPI 14-09-2020 250.00 14-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 29 INE414GI4PQ9 15-09-2020 175.00 15-12-2020 NIL HDFCBANK CRlSILLtd &ICRA Ltd AI+ 5000 30 INE414GI4PR7 17-09-2020 250.00 17-12-2020 NIL HDFCBANK CRISILLtd &ICRA Ltd AI+ 5000 31 INE414GI4PS5 18-09-2020 350.00 18-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 32 INE414G14PT3 22-09-2020 250.00 22-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 33 INE414GI4PUI 23-09-2020 250.00 23-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 34 INE414GI4PV9 24-09-2020 200.00 24-12-2020 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 35 INE414GI4PW7 12-10-2020 225.00 11-01-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 36 INE414GI40B9 21-10-2020 350.00 20-01-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 37 INE414GI4QAI 22-10-2020 300.00' 21-01-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 38 INE414GI4PZO 23-10-2020 300.00 22-01-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 39 INE414GI4PY3 27-10-2020 250.00 25-01-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 ~4~0~IN~E~41~4~G~14~P~X~5~-+~28~-~10~-2~0~2~0~ ~35~0~.0~0+- ~2~7~-0~1~-2~02~1~~N~IL~HD~F~C~B~A~N~K~C~Rl~S~IL~L~t~d~__&~4-~I~C~RA~L~~ ~td~~A~I~+ 41 INE414GI4QD5 17-11-2020 300.00 16-02-2021 NIL HDFCBANK CRlSILLtd&ICRALtd AI+ ~OOO ~4~2~IN~E~41~4~G~14~~Q~IC~7~-+----~18~-~II~-2~0~2~0~------~25~0~.0~0+------1~7~-0~2~-2~02~1~----~N~IL~HD~F~C~B~A~N~K~C~Rl~S~IL~L~t~d~&~I~C~RA~L~td~~A~I~+--4-~5000 43 INE414GI4QE3 20-11-2020 275.00 18-02-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ <;000 44 INE414GI4QFO 23-11-2020 175.00 22-02-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 45 INE414GI4Ql4 11-12-2020 400.00 12-03-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 46 INE414Gi4QH6 14-12-2020 250.00 15-03-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 47 'INE414GI4QG8 16-12-2020 250.00 17-03-2021 NIL'HDFCBANK CRISILLtd& ICRALtd AI+ 5000 48 INE414GI4QJ2 17-12-2020 250.00 18-03-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 49 INE414GI4QKO 24-12-2020 350.00 25-03-2021 NIL HDFCBANK CRISILLtd & ICRALtd AI+ 5000 50 INE414GI4QM6 28-12-2020 375.00 26-03-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 51 INE414G14QL8 29-12-2020 350,00 30-03-2021 NIL' HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 52 INE414GI4QN4 05-02-2021 300.00 07-05-2021 NIL HDFCBANK CRISILLtd & ICRALtd AI+ 5000 53 INE414GI4QR5 09-02-2021 250.00 10-05-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 54 INE414Gf40Q7 10-02-2021 250.00 11-05-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 55 INE414GI4QP9 11-02-2021 250.0() 12-05-2021 NIL HDFCBANK CRlSILLtd & ICRALtd AI+ 5000 56 INE414GI4Q02 12-02-2021
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