Muthoot Microfin Limited — Capital/Financing Update 2025

Sep 3, 2025

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03.09.2025

BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Bandra Kurla Complex Dalal Street, Mumbai- 400001 Bandra (E), Mumbai - 400 051

BSE Scrip Code: 544055 Symbol: MUTHOOTMF

Dear Sir/Madam,

Sub: Disclosure pursuant to Regulation 30 of SEBI (Listing Obligations and disclosure Requirements) Regulations, 2015 – Issue of Securities

Pursuant to Regulation 30 of SEBI (Listing Obligations and disclosure Requirements) Regulations, 2015, we wish to inform you that the Debenture Issue and Allotment Committee at its meeting held on September 3, 2025, approved issuance of Non-Convertible Debentures/ Bonds on Private placement basis, within the limits as approved by the Board of Directors and Shareholders of the Company;

• i. Up to 1500 (One Thousand and five hundred) secured, rated, listed, redeemable, US Dollar Denominated Bonds of the face value of USD 10,000 (United States Dollars Ten Thousand Only) each, collectively aggregating up to USD 15,000,000 (United States Dollars Fifteen Million Only).

• ii. Up to 5000 (Five Thousand) Rated Unsubordinated Secured Listed Taxable Transferable Redeemable Non-Convertible Debentures having face value of INR 1,00,000 (Rupees One Lakh only) each for an aggregate nominal value of INR 50,00,00,000/- (Indian Rupees Fifty Crore only)

• iii. Up to 1,00,000 (One Lakh) Listed, Rated, Senior, Secured, Transferable, Redeemable, NonConvertible Debentures having face value of INR 10,000 (Rupees Ten Thousand only) each for an aggregate nominal value of INR 100,00,00,000 (Indian Rupees One Hundred Crore only)

The relevant details of the issuance as required under SEBI Master Circular No. SEBI/HO/CFD/PoD2/CIR/P/0155 dated November 11, 2024, are given as Annexure I.

Meeting commenced at 3.00 PM and concluded at 3.45 PM

Thanking you,

Yours faithfully,

For Muthoot Microfin Limited

Digitally signed by NEETHU NEETHU AJAY AJAY Date: 2025.09.03 16:47:51 +05'30'

Neethu Ajay

Chief Compliance Officer and Company Secretary

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ANNEXURE – I

Details of the issuance is as follows:

i.

i.
Sl No.	Particulars
1	Type of securities proposed to be issued (viz. equity shares, convertibles etc.)	Secured, rated, listed, redeemable, US 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 proposed to be issued or the total amount for which the securities will be issued (approximately);	Upto 1500 Non-Convertible Debentures/Bonds of USD 10,000 (United States Dollars Ten Thousand only) each
4	Size of the issue;	USD 15,000,000 (United States Dollars Fifteen Million only).
5	Whether proposed to be listed? If yes, name of the stock exchange(s);	Yes NSE IFSC Limited
6	Tenure of the instrument - date of allotment and date of maturity;	36 Months September 15, 2025 (Deemed Date of Allotment) September 15,2028 (Maturity)
7	Coupon/interest offered, schedule of payment of coupon/interest and principal;	6 Month CME Term 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

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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 Nil
instrument and changes thereof;
10 Delay in payment of interest / principal amount for a Nil
period of more than three months from the due date or
default in payment of interest / principal;
11 Details of any letter or comments regarding Nil
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;
12 Details of redemption of preference shares indicating the Not Applicable
manner of redemption (whether out of profits or out of
fresh issue) and debentures;
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ii.

Sl No.	Particulars
1	Type of securities proposed to be issued (viz. equity shares, convertibles etc.)	Rated Unsubordinated Secured Listed Taxable Transferable Redeemable Non-convertible Debentures
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 proposed to be issued or the total amount for which the securities will be issued (approximately);	Upto 5,000 Non-Convertible Debentures/ Bond of INR 1,00,000 (Rupees One Lakh only)each
4	Size of the issue;	INR. 50,00,00,000/- (Indian Rupees FiftyCrore only)
5	Whether proposed to be listed? If yes, name of the stock exchange(s);	Yes BSE Limited
6	Tenure of the instrument - date of allotment and date of maturity;	24 Months September 18, 2025 (Deemed Date of Allotment) September 18, 2027(Maturity)

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7 Coupon/interest offered, schedule of payment of 9.80% (Nine point eight zero
coupon/interest and principal; per cent) per annum
Schedule: Monthly
8 Charge/security, if any, created over the assets; The Debentures shall be secured
by way of a first ranking,
exclusive and continuing charge
on identified receivables
(“ Hypothecated Book Debts ”/
“ Hypothecated Assets ”)
created pursuant to the deed of
hypothecation to be executed
between the Company and the
Debenture Trustee as described
herein. The Hypothecated
Securities shall at all times be
equal to 1.1 times of the
outstanding amount of the
Debentures.
9 Special right/interest/privileges attached to the Nil
instrument and changes thereof;
10 Delay in payment of interest / principal amount for a Nil
period of more than three months from the due date or
default in payment of interest / principal;
11 Details of any letter or comments regarding Nil
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;
12 Details of redemption of preference shares indicating the Not Applicable
manner of redemption (whether out of profits or out of
fresh issue) and debentures;
iii.
Sl No. Particulars
1 Type of securities proposed to be issued (viz. equity Listed, Rated, Senior, Secured,
shares, convertibles etc.) Transferable, Redeemable, Non-
Convertible Debentures
2 Type of issuance (further public offering, rights issue, Private Placement
depository receipts (ADR/GDR), qualified institutions
placement, preferential allotment etc.)
3 Total number of securities proposed to be issued or the Up to 1,00,000 (One Lakh) Non-
total amount for which the securities will be issued Convertible Debentures/ Bond of
(approximately); INR 10,000 (Rupees Ten
Thousand only) each
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4 Size of the issue; INR 100,00,00,000 (Indian
Rupees One Hundred Crore only)
5 Whether proposed to be listed? If yes, name of the stock Yes
exchange(s); BSE Limited
6 Tenure of the instrument - date of allotment and date of 24 Months
maturity;
September 12, 2025 (Deemed
Date of Allotment)
September 12, 2027 (Maturity)
7 Coupon/interest offered, schedule of payment of 9.80% (Nine point eight zero per
coupon/interest and principal; cent) per annum
Schedule: Monthly
8 Charge/security, if any, created over the assets; The outstanding principal
amount, together with accrued
interest, if any shall be secured
by a first ranking and exclusive
charge of 1.1x over (including
but not limited to) receivables,
including present and future
receivables (“Company’s
Receivables”) which are free
from any
encumbrances/charge/lien.
9 Special right/interest/privileges attached to the Nil
instrument and changes thereof;
10 Delay in payment of interest / principal amount for a Nil
period of more than three months from the due date or
default in payment of interest / principal;
11 Details of any letter or comments regarding Nil
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;
12 Details of redemption of preference shares indicating Not Applicable
the manner of redemption (whether out of profits or out
of fresh issue) and debentures;
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