Muthoot Microfin Limited — Capital/Financing Update 2025

Oct 9, 2025

October 09, 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”) (“Debentures”)

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 Debentures on September 03, 2025 and 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 October 09, 2025 has allotted 1,500 (One Thousand Five Hundred Only) Secured, Rated, Listed, Redeemable United States Dollar denominated Bonds having a face value of USD 10,000/- (USD Ten Thousand only) each, for an aggregate nominal value of USD 15,000,000 (United States Dollar Fifteen Million only)(the “Bonds”) 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: 2025.10.09 Ajay 16:17:39 +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:

Sl No.	Particulars
1	Type of securities alloted (viz. equity shares, convertibles etc.)	Secured, Rated, Listed, Redeemable United States Dollar denominated Bonds
2	Type of issuance (further public offering, rights issue, depository receipts (ADR/GDR), qualified institutions placement, preferential allotment etc.)	Private Placement
3	Total number of securities alloted;	Up to 1,500 (One Thousand Five Hundred Only) Secured, Rated, Listed, Redeemable United States Dollar denominated Bonds having face value of USD 10, 000 (USD Ten Thousand only) each.
4	Size of the issue;	1,500 (One Thousand Five Hundred Only) Secured, Rated, Listed, Redeemable United States Dollar denominated Bonds having a face value of USD 10,000/- (USD Ten Thousand only) each, for an aggregate nominal value of USD 15,000,000 (United States Dollar Fifteen Million only)
5	Whether proposed to be listed? If yes, name of the stock exchange(s);	Yes NSE IFSC Limited and/or India International Exchange (IFSC) (India INX) Limited
6	Tenure of the instrument - date of allotment and date of maturity;	36 Months October 09, 2025 (Date of Allotment) October 09, 2028 (Maturity)
7	Coupon/interest offered, schedule of payment of coupon/interest and principal;	6 Months SOFR + 275 Bps Schedule: Semi Annual
8	Charge/security, if any, created over the assets;	The Company shall create (i) a first ranking exclusive and continuing charge by way of hypothecation in favour of the Trustee (acting in trust for, on behalf of and for the benefit of the Bond Holder(s)) over certain identified receivables/ book debts and eligible portfolio loans of the Company, with a cover of 1.05x (One Decimal Zero Five) times of the value of the outstanding principal amount and accrued interest of the Bonds or such other cover as may be required by the Bond Holder(s); and/or (ii) such other security or contractual comfort as may be required in terms of the Subscription Agreement and the other Transaction Documents to be entered into in relation to the Issue, in favour of the Trustee acting for the benefit of and on behalf of the Bond Holder(s) (collectively the “Security”), in a form and manner

		satisfactory to the Trustee and the Bond Holder(s).
9	Special right/interest/privileges attached to the instrument and changes thereof;	Nil
10	Delay in payment of interest / principal amount for a period of more than three months from the due date or default in payment of interest / principal;	Nil
11	Details of any letter or comments regarding payment/non-payment of interest, principal on due dates, or any other matter concerning the security and /or the assets along with its comments thereon, if any;	Nil
12	Details of redemption of preference shares indicating the manner of redemption (whether out of profits or out of fresh issue) and debentures;	Not Applicable