Muthoot Microfin Limited — Capital/Financing Update 2025

Dec 16, 2025

December 16, 2025

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To, To,

BSE Limited, National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5[th] Floor, Dalal Street, Plot No. C/1, G Block, Mumbai- 400 001 Bandra Kurla Complex, Bandra (E), Mumbai 400 051 Scrip Code: 544055 Scrip Code: MUTHOOTMF

Subject: Intimation for allotment of Listed, Rated, Senior, Secured, Transferable, Redeemable Non-Convertible Debentures (NCDs)

Dear Madam /Sir,

In accordance with the approval received from the Board of Directors at their meeting dated May 8, 2025, the Debenture Issue and Allotment Committee has considered and approved the issuance of NonConvertible Debentures on November 27, 2025. Pursuant to Regulation 30 and other applicable regulations of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we wish to inform that the Debenture Issue and Allotment Committee of Muthoot Microfin Limited in its meeting held on December 16, 2025, has allotted of the first tranche consisting of up to 15,000 (Fifteen Thousand) Secured, Rated, Listed, Redeemable, Taxable non-convertible debentures each having a face value of Rs. 1,00,000/- (Rupees One Lakh only) of the aggregate nominal value of up to Rs. 150,00,00,000/- (Rupees One Hundred and Fifty Crores only) in two series with the: (a) first series consisting of up to 7500 (seven thousand five hundred) Secured, Rated, Listed, Redeemable, Taxable non-convertible debentures each having a face value of Rs. 1,00,000/- (Rupees One Lakh only) of the aggregate nominal value of up to Rs, 75,00,00,000 (Rupees Seventy Five Crores) each (“ Series I Debentures ”); and (b) second series consisting of up to 7500 (seven thousand five hundred) Secured, Rated, Listed, Redeemable, Taxable non-convertible debentures each having a face value of Rs. 1,00,000/- (Rupees One Lakh only) of the aggregate nominal value of up to Rs, 75,00,00,000 (Rupees Seventy Five Crores) each (“ Series II Debentures ”)on private placement basis.

The said allotment is within the limits approved by the Board of Directors at their meeting dated May 8, 2025.

The relevant detail of the allotment is given as Annexure I.

Kindly take the same on record.

Thanking You.

Yours faithfully, For Muthoot Microfin Limited

Neethu Digitally signed by Neethu Ajay Date: 2025.12.16 Ajay 12:17:12 +05'30' Neethu Ajay Chief Compliance Officer & Company Secretary Membership No. A34822

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ANNEXURE – I

Details of the allotment is as follows:

Details	of the allotment is as follows:
Sl No.	Particulars
1	Type of securities proposed to be issued (viz. equityshares, convertibles etc.)		Listed, Rated, Senior, Secured,Transferable, Redeemable Non-Convertible Debentures (“NCDs”)
2	Type of issuance (further public offering, rights issue,depository receipts (ADR/GDR), qualified institutionsplacement, preferentialallotment etc.)		Private Placement
3	Total number of securities allotted;		First tranche consisting of up to15,000 (Fifteen Thousand) Secured,Rated, Listed, Redeemable, Taxablenon-convertible debentures eachhaving a face value of Rs.1,00,000/- (Rupees One Lakh only)of the aggregate nominal value of upto Rs. 150,00,00,000/- (Rupees OneHundred and Fifty Crores only) intwo series with the: (a) first seriesconsisting of up to 7500 (seventhousand five hundred) Secured,Rated, Listed, Redeemable, Taxablenon-convertible debentures eachhaving a face value of Rs.1,00,000/- (Rupees One Lakh only)of the aggregate nominal value of uptoRs,75,00,00,000(RupeesSeventy Five Crores) each (“SeriesI Debentures”); and (b) secondseries consisting of up to 7500(seven thousand five hundred)Secured,Rated,Listed,Redeemable,Taxablenon-convertible debentures each havinga face value of Rs. 1,00,000/-(Rupees One Lakh only) of theaggregate nominal value of up toRs, 75,00,00,000 (Rupees SeventyFive Crores) each (“Series IIDebentures”)
4	Whether proposed to be listed? If yes, name of thestock exchange(s);		YesBSE Limited
5	Tenure of the instrument - date of allotment and dateof maturity;		Series I24 months.December 16, 2025 (Date ofAllotment)

			December 16, 2027 (Maturity)Series II36 Months.December 16, 2025 (Date ofAllotment)December 16, 2028 (Maturity)
6	Coupon/interest offered, schedule of payment ofcoupon/interest and principal;		Series I9.85% (Nine point Eight Fivepercentage) per annumSeries II9.95% (Nine point Nine Fivepercentage) per annumSchedule: Monthly
7	Charge/security, if any, created over the assets;		The outstanding principal amount,together with accrued interest, if anyshall be secured by a first rankingand exclusive charge of 1.05x over(including but not limited to)receivables, including present andfuture receivables (“Company’sReceivables”) which are free fromany encumbrances/charge/lien.
8	Special right/interest/privileges attached to theinstrument and changes thereof;		Nil
9	Delay in payment of interest / principal amount for aperiod of more than three months from the due date ordefaultinpayment of interest / principal;		Nil
10	Details of any letter or comments regardingpayment/non-payment of interest, principal on duedates, or any other matter concerning the security and/or the assets along with its comments thereon, if any;		Nil
11	Details of redemption of preference shares indicatingthe manner of redemption (whether out of profits orout of fresh issue) and debentures;		Not Applicable