Muthoot Fincorp Ltd. IPO Details
Muthoot Fincorp was incorporated on June 10, 1997. The company is a diversified NBFC with gold loans as its flagship business, offering products such as business loans, loans against property, supply chain finance, digital loans, microfinance and housing loans. Its customer-centric portfolio serves underserved households and small businesses, including traders, farmers, women entrepreneurs and salaried individuals, with a focus on speed, flexibility and convenience
| Bidding Dates |
|---|
| To Be Announced |
| Minimum Investment | Minimum Lot | Maximum Lot | Lot Size | Number of Shares | Issue Price Band | Post Issue Promoter Holding % | Issue Size | IPO Document |
|---|---|---|---|---|---|---|---|---|
| - | - | - | - | 0 | - | - | ₹30000.0 M | DRHP DOC |
Muthoot Fincorp issue details
Muthoot Fincorp IPO issue size is ₹ 30000.0 M
| Day | Retail Individual Investor | HNI (NII) Investors | Qualified Institutional Buyers |
|---|---|---|---|
| Category Reservation | 35% | 15% | 50% |
Muthoot Fincorp IMPORTANT IPO DATES
| Issue Open Date | - |
| Issue close Date | - |
| Allotment Date | - |
| Refund Date | - |
| Demat Account Credit Date | - |
| Listing Date | - |
| Listing on Exchange(s) | NSE and BSE |
Muthoot Fincorp NUMBER OF SHARES ON OFFER
Muthoot Fincorp FINANCIALS
| Period | Revenue from Operations (Rs in crore) | Net Profit (Rs in crore) | Cash Flow from Operations (Rs in crore) | Free Cash Flow (Rs in crore) |
| FY26 | 11,203.8 | 1,847.6 | -19,599.6 | -19,714.6 |
| FY25 | 8,497.6 | 608.0 | -3,241.6 | -3,348.7 |
| FY24 | 6,543.1 | 1,048.0 | -5,999.0 | -6,108.0 |
Muthoot Fincorp INFORMATION ON IPO ISSUE
About Muthoot Fincorp
Muthoot Fincorp was incorporated on June 10, 1997. The company is a diversified NBFC with gold loans as its flagship business, offering products such as business loans, loans against property, supply chain finance, digital loans, microfinance and housing loans. Its customer-centric portfolio serves underserved households and small businesses, including traders, farmers, women entrepreneurs and salaried individuals, with a focus on speed, flexibility and convenience
Object of the Issue
- Gross proceeds of the issue
- Issue expenses
Muthoot Fincorp - PROMOTERS
| Name |
|---|
| Thomas John Muthoot |
| Thomas George Muthoot |
| Thomas Muthoot |
| Preethi John Muthoot |
| Preethi John Muthoot (MF) Trust |
| Nina George (MF) Trust |
| Remmy Thomas (MF) Trust |
| Thomas John Muthoot (MF) Trust |
| Thomas George Muthoot (MF) Trust |
| Thomas Muthoot (MF) Trust |
Muthoot Fincorp - MANAGEMENT & LEADERSHIP
| Name | Designation |
|---|---|
| Thomas John Muthoot | Chairman & Managing Director |
| Thomas George Muthoot | Whole Time Director |
| Thomas Muthoot | Whole Time Director |
| Preethi John Muthoot | Non-Executive Director |
| Badal Chandra Das | Independent Director |
| Ravi Ramchandran | Independent Director |
| Anthony Abraham Thomas | Independent Director |
| Paul Abraham | Independent Director |
| Santosh Kumar Khalli Panigrahy | Independent Director |
| Sarah Manikoikal George | Independent Director |
Muthoot Fincorp Book Running Lead Manager
Kotak Mahindra Capital Company Limited
mfl.ipo@kotak.com
Morgan Stanley India Company Private Limited
mfl_ipo@morganstanley.com
JM Financial Limited
muthootfincorp.ipo@jmfl.com
SBI Capital Markets Limited
muthoot.ipo@sbicaps.com
Muthoot Fincorp Registrar to the Offer
KFin Technologies Limited
muthoot.ipo@kfintech.com
Muthoot Fincorp Strengths
Customer-centric & diversified lending franchise
The company operates a customer-centric and diversified retail lending franchise serving underserved households and small businesses, including salaried individuals, traders, farmers, women entrepreneurs and micro and small businesses. It offers 32 retail lending products across gold loans, property and business loans, personal and digital loans, microfinance and housing finance, along with savings, insurance, payments and other financial services
Omnichannel distribution
The company follows an omnichannel “phygital” distribution model combining physical branches, product-specific sourcing and digital engagement, enabling customer acquisition and servicing across India. As of March 31, 2026, it operated 5,610 branches and 326 processing centres across 25 states and union territories, serving over 3,978 pin codes
Technology-driven risk management
The company follows a multi-layered, product-specific underwriting and risk management framework covering sourcing, onboarding, credit assessment, servicing, collections and portfolio monitoring. Its technology-driven systems, automated workflows, early warning mechanisms and strong governance help improve efficiency, control risks and maintain consistent asset quality
Muthoot Fincorp Risks
Interest rate volatility
The company is exposed to interest rate fluctuations that may increase its cost of funds, reduce lending margins and adversely affect profitability. Competitive pricing and customer migration to lenders offering lower rates or better terms could further reduce the loan portfolio, interest income and cross-selling opportunities
Underbanked borrower credit risk
The company’s lending to underbanked and informal borrowers, including individuals and small businesses with limited credit histories and irregular incomes, exposes it to higher credit and default risks. Economic volatility, limited collateral and challenges in field-level sourcing, verification and collections could increase credit losses, operating costs and adversely affect financial performance
Competition
The company operates in a highly competitive lending environment, facing competitors with lower-cost funding, stronger brands, wider networks and greater technological capabilities. Increasing competition in gold loans and other lending products, along with lower interest rates, flexible terms and faster digital services offered by rivals, could pressure its market share, margins and profitability
IPO FAQs
The promoters of the company are Thomas John Muthoot, Thomas George Muthoot, Thomas Muthoot, Preethi John Muthoot, Preethi John Muthoot (MF) Trust, Nina George (MF) Trust, Remmy Thomas (MF) Trust, Thomas John Muthoot (MF) Trust, Thomas George Muthoot (MF) Trust and Thomas Muthoot (MF) Trust.
The category allocation of qualified institutional buyers is 50.0%, the category allocation of non individual investors or high networth individuals is 15.0% and for retail investors it is 35.0%.