Muthoot FinCorp NCD Issue – Earn up to 9.25% p.a. Complete Details

Investment Guru Saturday, April 25, 2026 0

Muthoot FinCorp NCD Issue – Earn up to 9.25% p.a. Complete Details

S.Kumar, Designated Partner - Neena Capital Services LLP

Muthoot FinCorp has launched a new issue of Non-Convertible Debentures (NCDs). This offering is aimed at investors looking for stable and predictable income.

1. Key Highlights of the Issue

· Issue Opening Date: April 24, 2026

· Last Date to Apply: May 8, 2026

· Total Issue Size: ₹600 Crore

o Base Issue: ₹200 Crore

o Green Shoe Option: ₹400 Crore

· Instrument Type: Secured NCD

2. Investment Details

· Face Value per NCD: ₹1,000

· Minimum Investment: ₹10,000

· UPI Payment Facility: Available up to ₹5 lakh

· Requirement: Demat account is mandatory

3. Tenure Options

Investors can choose from multiple durations based on their financial goals:

Category	Duration
Short Term	24 Months
Medium Term	36 Months
Long Term	60 Months
Very Long Term	72 Months

4. Interest Rates

(A) Monthly Interest Payout

Tenure	Interest Rate
24 Months	8.51%
36 Months	8.65%
60 Months	8.79%
72 Months	8.88%

(B) Annual Interest Payout

Tenure	Interest Rate
24 Months	8.85%
36 Months	9.00%
60 Months	9.15%
72 Months	9.25%

(C) Cumulative Option

· Interest is compounded and paid at maturity

· Returns range: 8.85% – 9.25% p.a.

5. Credit Rating

The NCDs carry strong credit ratings:

· CRISIL: AA-/Positive

· Brickwork Ratings: AA/Stable

These ratings indicate moderate to high safety, though not risk-free.

6. Listing & Liquidity

· These NCDs will be listed on the Bombay Stock Exchange (BSE)

· Benefits:

o Can be sold in the secondary market before maturity

o Provides liquidity to investors

7. Key Advantages

· Fixed and predictable income

· Multiple tenure choices

· Flexible payout options (monthly, annual, cumulative)

· Good credit rating

· Liquidity through stock exchange listing

8. Points to Consider (Risks)

· Fixed returns – no benefit from rising interest rates

· Credit risk exists (depends on issuer’s financial strength)

· Market price may fluctuate if sold before maturity

Conclusion

Overall, the Muthoot FinCorp NCD issue offers an attractive fixed-income opportunity with returns up to 9.25% per annum. It may suit investors seeking better returns than traditional bank fixed deposits with moderate risk.

However, always evaluate your financial goals, risk appetite, and liquidity needs before investing.

For More details and Investing

S.Kumar - Mobile No.97891 77445

E mail: swamkumar@gmail.com

Regd. - Income-Tax Practitioner,

Designated Partner - Neena Capital Services LLP,

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