Mission

TO PROVIDE TIMELY SMALL CREDIT TO MILLIONS OF ORDINARY

PEOPLE, AND ALSO PROVIDE THEM WITH SIMPLE OPTIONS TO SAVE,
WHICH WILL CHANGE THEIR WAY OF LIFE.
Vision
TO BE THE MOST TRUSTED FINANCIAL SERVICE PROVIDER, AT THE
DOOR STEP OF THE COMMON MAN, SATISFYING HIM IMMEDIATELY,
WITH EASY AND SIMPLE PRODUCTS.
Core Values
WE WILL DO EVERYTHING TO GAIN AND MAINTAIN THE TRUST OF ALL
THE STAKEHOLDERS AND WILL NOT DO ANYTHING TO LOSE THEIR
TRUST.

OUTLOOK OF THE INDUSTRY

Non-Banking Finance Companies (NBFCs) are a crucial component in the Indian
financial system. They bridge the gap in the financial services sector, catering to
the needs of the unbanked, particularly to the MSMEs. NBFCs possess an edge
over their banking counterparts because of their varied product lines, lower cost of
products and services, wide reach, their ability to evolve according to the
customer’s needs at a faster pace and ground-level understanding of their
customers’ profile. The opportunity for NBFCs lie in the fact that credit demands
will deepen and 48 so NBFCs would be required to fill in the gaps where banks
would not venture into. Also, with a mounting pile of bad loans and alleged frauds
in several banks, NBFCs could be in for a longer run of limited competition. The
fundamentals for NBFCs such as net profit ratio, return on assets and size of the
balance sheets have been better than those for banks. Many NBFCs have varied
their modes of funding and ventured into debentures and bonds aside from
traditional bank finance and have also resorted to securitisation transactions that
have seen several willing investors. The effects of demonetisation, which, in the
last fiscal, dented the balance sheets of many NBFCs, mostly micro-finance
institutions, are fading and asset quality is regaining its earlier lustre, by focusing
on collections rather than on growing asset base. NBFCs had earlier made their
mark in the retail space. However, with the requirement for banks to focus on asset
quality, NBFCs would get a greater share in the corporate lending pie. A report by
CRISIL stated that NBFCs share in corporate lending would increase to 19% by
2020.

Company Overview
Muthoot Fincorp Limited, a non deposit accepting non-banking financial company,
provides various financial services in India. It offers gold loans, business loans,
home loans, auto loans, and micro finance, as well as money transfer, foreign
exchange, insurance, and wealth management services. The company also
provides travel services; information technology (IT) and IT enabled services to its
clients; and loans to purchase products, such as solar lamps, mobile phones, and
water purifiers. In addition, it engages in the real estate business. The company
serves retail customers, small business men, vendors, traders, farmers, and
salaried individuals. It operates approximately 3,600 branches

Muthoot Capital Kochi: Muthoot Capital Services Ltd. (MCSL), a part of

Muthoot Pappachan Group, has clocked 32 % increase in net profit for the year
2016-17 at Rs 30.09 crore. The total income registered 24% growth at Rs 284.20
crore.
Company History - Muthoot Capital Services
Muthoot Capital Services Ltd., (MCSL) was incorporated on 18th
February 1994 and obtained its Certificate of Commencement of
Business on 23rd March 1994. MCSL was initially registered with
an authorized capital of Rs.100.00 lacs which was subsequently
increased to Rs.700.00 lacs.

MCSL is presently into fund and non fund based activities, with
particular focus on the State of Kerala.

Since its incorporation, MCSL has been actively involved in

secondary and primary market operations. In the secondary
market, MCSL through its offices, which are situated at
strategic locations in Kerala, has been executing large number
of orders for investors of Kerala through Cochin, Coimbatore,
Madras and Bombay Stock Exchanges. This in turn has helped the
Company to develop a large portfolio of investors who have
availed of the Share Discounting and Advance against Shares
schemes.

The Advance against Shares scheme offered by MCSL enables the

investors to take advance against the securities held by them on
relatively nominal terms than what is offered by other upcountry
finance companies and even many banks. The Share Discounting
scheme offers an unique facility of faster pay out on securities
sold at Bombay and Madras Stock Exchanges. MCSL offers to
purchase the said securities at a discount and gives the payment
to the client across the counter.

Milestone
2008

- Muthoot Capital Services Ltd has informed that Mr. K Parameswaran

Nair has resigned from the post of Chief Executive Officer (CEO)
w.e.f. February 29, 2008 and Mr. R Manomohanan, has taken charge
thereof effectively from March 01, 2008.

2010

- Muthoot Group buys 1% in CSB, to take it to 5%.

2011

- Mr. Anil Kumar R has been appointed as the Chief Financial Officer
(CFO) of the Company.

-Muthoot Capital Services Ltd Issues Rights in the Ratio of 1:1

2012

-Board has recommended a Dividend of Rs. 3.50 per equity share of Rs.
10/- each.
2013

-Board has recommended a dividend of Rs. 4.00 per equity share of Rs.
10/- each for the year 2013.

-Mr. Vinod Panicker has been appointed as a Chief Finance Officer of

the company.

2014

-Board has recommended a dividend of Rs. 4.50 per equity share of Rs.
10/- each.

-[Link] R. has been appointed as a Company Secretary & Head

Governance of the Company.

2015

-Muthoot Capital signs MoU with Suzuki Motorcycle

2016
-Muthoot Capital Services re-appoints Thomas George Muthoot as
Managing Director.
Competitors
Bajaj Finance Limited
was founded in 2007 and is a unit of Bajaj Holdings and Investments. It
offers loans to doctors for career enhancement, home loans, gold loans,
individual Loans, business and entrepreneur loans and is an extremely
popular finance company. Apart from these, Bajaj Finserv also provides
services like wealth advisory, lending money and general insurance. It has
over 1400 branches across the country with more than 20000 employees.

Mahindra & Mahindra Financial Services Limited

& Mahindra Financial Services Limited (MMFSL) was established in
1991 and has over 1000 branches, and a customer base of over 3 million,
all over the country. MMFSL is one of the most renowned organizations
and has two affiliates offering Insurance services and rural housing
financial services. It also specialises in offering gold advances,
vehicle advances, corporate advances, home credits, working capital
advances and much more

HDB Finance Services

HDB Financial Services is operated by India’s largest private sector
HDFC Bank. It offers a variety of secured and non-secured financial loans
through a network of more than 1,000 branches in 22 Indian states and 3
Union Territories. It provides secured and unsecured loans, including
personal and business loans, doctor's loans, auto loans, gold loans, new to
credit loans, enterprise business loans, consumer durables loans,
construction equipment loans, new and used car loans, equipment loans,
and tractor loans. The company operates through Lending Business and
BPO Services segments. It is considered the fastest growing NBFC in India
today.
L & T Finance Limited
L & T Finance Limited is a strong player in the non banking financial
sector and was established in 1994. Headquartered in Mumbai, L & T
offers funding services to different sectors like trade, industry, agriculture,
Commercial Vehicle loans, Individual Vehicle loans, and corporate and
rural loans. The company caters to more than 10 lakh people. In 2010, L &
T was awarded the “Company of the year” in the Economic Times awards.

Aditya Birla Finance Ltd.

Aditya Birla Finance Limited, a part of the Aditya Birla Financial
Services, was incorporated in 1991 and is an ISO 9001:2008 certified
NBFC. ABFL is registered with RBI as a ‘systemically important non-
deposit accepting NBFC’ and it ranks among the top five largest private
diversified NBFCs in India. It offers precise and customised solutions
across a wide range, from corporate finance to commercial mortgage, and
from capital markets to structured finance.

Industry profile
1)Nature and characteristics of the Industry
Products their uses and consumers
a)2 Wheeler Loans
two-wheeler loans provide maximum of up to 100% of the on-road price of the vehicle, with interest rates
starting at 0.99% and easy EMI's.
b)Used Car Loans
Car loan with hassle-free procedures, low-interest rates and faster approval of loans.
Key Benefits and Features
Flexible repayment options, ranging from 12 to 36 months.
Attractive interest rates.
Special schemes to suit needs of customer .
Quick approval
Easy and simple documentation
Low Down Payment/EMI schemes to suit the customers financial requirement
Provides loans up to 100% for specific models under specific schemes*

c)Fixed Deposits

offers short-term and long-term deposit plans, according to preference, The schemes include monthly interest
plans, annual interest plans, and maturity plans, offering interest rates as high as 9.05%.

Key Benefits and Features

Guaranteed returns
Encourages saving habit
Flexible interest rate payouts
Easily withdrawable