Muthoot Microfin Limited
Founded in April 1992, Muthoot Microfin Limited, a subsidiary of Muthoot Pappachan Group, provides micro-loans to female customers with a focus on rural regions in India. Market Share Muthoot Microfin is the 3rd largest NBFC-MFI in India in terms of ...
Key Metrics
EPS
26.37
Current ratio
7.49
Debt/Equity
3.13
Debt/EBITDA
14.23
Interest coverage ratio
-
Operating Cashflow to total debt
-0.24
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Credit enhancement available in the structure exceeding 2.3 times the estimated adjusted base shortfalls on the residual cash flows of the pool.
Credit support available in the structure
Repayment track record contracts in the pool
Structure of the transaction
Liquidity: Strong
Cons
Vulnerability to socio-political risks
Credit enhancement falling below 2.0 times the estimated adjusted base shortfalls
A sharp downgrade in the rating of the servicer/originator.
Non-adherence to the key transaction terms envisaged at the time of the rating.
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About Muthoot Microfin Limited bond.
This comprehensive profile covers key factual information about Muthoot Microfin Limited. Founded in April 1992, Muthoot Microfin Limited, a subsidiary of Muthoot Pappachan Group, provides micro-loans to female customers with a focus on rural regions in India. Market Share Muthoot Microfin is the 3rd largest NBFC-MFI in India in terms of gross loan portfolio as of FY23. They are also 3rd largest among NBFC-MFIs in South India in terms of gross loan portfolio, largest in Kerala, and have a 16% market share in Tamil Nadu EPS in Mar-2024 was 26.37. Current ratio in Mar-2024 was 7.49. Debt/Equity in Mar-2024 was 3.13. Debt/EBITDA in Mar-2024 was 14.23. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was -0.24. Total revenue for Mar-2025 (E) was ₹2650.78. Net income for Mar-2025 (E) stood at ₹789.80. Total assets as of Mar-2024 were ₹11,590.23. Total liabilities as of Mar-2024 were ₹8785.88. Operating cash flow for Mar-2024 was ₹-2125.26. The company’s borrowing relationships include Canara Bank (₹N/A Cr), (₹N/A Cr), Bank of Bahrain and Kuwait B.S.C. (₹N/A Cr), Kookmin Bank (₹N/A Cr), DBS Bank India Limited (₹N/A Cr), Micro Units Development and Refinance Agency Limited (₹N/A Cr), Nabkisan Finance Limited (₹N/A Cr), IDFC FIRST Bank Limited (₹N/A Cr), Hinduja Leyland Finance Limited (₹N/A Cr), ICICI Bank Limited (₹N/A Cr), Punjab National Bank (₹N/A Cr), Kisetsu Saison Finance India Private Limited (₹N/A Cr), YES Bank Limited (₹N/A Cr), Axis Bank Limited (₹N/A Cr), The Federal Bank Limited (₹N/A Cr), Industrial and Commercial Bank of China Limited (₹N/A Cr), DBS Bank India Limited (₹N/A Cr), Bank of Baroda (₹N/A Cr), Small Industries Development Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Suryoday Small Finance Bank Limited (₹N/A Cr), Tata Capital Financial Services Limited (₹N/A Cr), SBM Bank (India) Limited (₹N/A Cr), Union Bank of India (₹N/A Cr), Bandhan Bank Limited (₹N/A Cr), The Karur Vysya Bank Limited (₹N/A Cr), Nabsamruddhi Finance Limited (₹N/A Cr), Woori Bank (₹N/A Cr), UCO Bank (₹N/A Cr), The Karnataka Bank Limited (₹N/A Cr), Kotak Mahindra Bank Limited (₹N/A Cr), Hongkong & Shanghai Banking Co (₹N/A Cr), NABARD Financial Service Limited (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), Piramal Enterprises Limited (₹N/A Cr), Standard Chartered Bank Limited (₹N/A Cr), Jana Small Finance Bank Limited (₹N/A Cr), MAS Financial Services Limited (₹N/A Cr), Canara Bank (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), DCB Bank Limited (₹N/A Cr), Aditya Birla Finance Limited (₹N/A Cr), Hero FinCorp Limited (₹N/A Cr), JM Financial Products Limited (₹N/A Cr), National Bank For Agriculture and Rural Development (₹N/A Cr), Mahindra and Mahindra Financial Services Limited (₹N/A Cr), Sundaram Finance Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), Punjab and Sind Bank (₹N/A Cr). Peers and comparison entities consist of Muthoot Micro, Jio Financial, 360 ONE WAM, Max Financial, Nuvama Wealth. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Credit enhancement available in the structure exceeding 2.3 times the estimated adjusted base shortfalls on the residual cash flows of the pool.; Credit support available in the structure; Repayment track record contracts in the pool; Structure of the transaction; Liquidity: Strong. Key risks include: Vulnerability to socio-political risks; Credit enhancement falling below 2.0 times the estimated adjusted base shortfalls; A sharp downgrade in the rating of the servicer/originator.; Non-adherence to the key transaction terms envisaged at the time of the rating.. Leadership team details include Akshaya Prasad (No description), Alok Prasad (No description), Anand Raghavan (No description), Bhama Krishnamurthy (No description), Jinsu Joseph (No description), John Tyler Day (No description), Linson C Paul (No description), Neethu Ajay (No description), Pushpy Babu Muricken (No description), S Deepu (No description), Sadaf Sayeed (No description), Subhransu Pattnayak (No description), T Praveen (No description), Thai Salas Vijayan (No description), Thomas George Muthoot (No description), Thomas John Muthoot (No description), Thomas Muthoot (No description), Udeesh Ullas (No description). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.