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Muthoot Fincorp Limited is a finance company catering to the financial needs of retail and institutional customers.

It is registered with the Reserve Bank of India as a systemically important non-deposit taking non-banking finance company (NBFC) with a paid up capital of Rs 181.25 crores and a Net Owned Fund of Rs 766.50 cr as on 30.09.2011. Muthoot Fincorp Limited focuses on providing a host of financial services through a wide network of over 1590 branches pan India. It has a diverse mix of retail offerings in the areas of Consumer loan products and investment advisory services. These include Gold loans, Home loans, Auto loans, Loans against Property, Investment products and Advisory Services.

Our Director Board Thomas John Muthoot Thomas George Muthoot Thomas Muthoot Janamma Thomas A.P. Kurian Vikraman Ampalakkat Kamalasanan Nair Ramakrishnan Chairman and Managing Director Director Executive Director Director Director Director Director

EXPRESS 3 MINUTE GOLD LOAN A finance product for small and medium retail customers designed to meet the quick and easy need for liquidity. WHY GOLD LOAN FRM US? Simple and uncomplicated procedure that ensures you have your loan in 3 mins (subject to availability of proper documents.) -- Better rates per gram of gold compared to banks and other institutions. -- Loans up to 90% of the value of gold. -- Working hours: 9:30am- 5:30 pm -- Sunset @ 8- select branches work till 8 pm for your convenience -- More working days- gold loans are available all 6 days of the week -- Exclusive high value counters for loans above Rs 25,000/-- Part redemption allowed -- Part payment allowed DOCUMENTS REQUIRED Original proof of identification. Any of the following are acceptable: -- Passport

-- Govt of India election ID card with address proof -- PAN card with address proof -- Drivers licence  Any departmental ID card

SMART + GOLD LOAN Avail a gold loan...Repay like a business loan. What makes this gold loan smart?
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The benefit of paying back in Equated Monthly Instalments principal No foreclosure charges Part release and repledge is allowed Rebates on prompt payment

What documents do i need to produce? Original proof of identification. Any of the following are acceptable: -- Passport ----Govt of India election ID card with address proof PAN card with address proof Drivers licence Any departmental ID card

SWARNAVARSHAM Your security against the rising prices of gold. Invest in gold coins or bars through a unique scheme where 85% of its value is paid for you by Muthoot Fincorp.

Why buy your gold coins from us? -- you buy your coin at todays price paying only 15% of the cost and pay for the rest in EMIs, thus safeguarding against rise in gold prices -- your gold coin is of 999.9 purity in a tamper proof pack -- we have a buy back scheme -- we also have a free locker facility

Features of Swarnavarsham -- units of 1, 2, 4, 8, 20 and 100 gms each are available -- only 15% down payment to be made. 85% of the value of the gold is paid for you by us, ensuring you book the gold at todays price. -- repayment can be made in EMIs spread over 12, 24, 36 months -- even 1 gram can be purchased via EMIs -- free locker facility to park the gold -- we have a convenient buy back scheme -- no income proof or guarantor required -- foreclosure facility available -- part release facility available

MUTHOOT SECURE BONDS Our Secure Debentures offer a safe and reliable investment with guaranteed high returns. Why buy our debentures? -- Simplified procedures -The minimum amount for a debenture starts at Rs1000/- and higher in multiples of Rs 1000/Higher rates of interest than banks Loans up to 90% of the value of the debenture are granted Premature withdrawal is allowed with no penalty charges* conditions apply Interest can be drawn on monthly basis or yearly basis or on maturity of debentures depending upon the scheme. Interest is credited to customer account maintained with banks directly on request


INSURANCE PRODUCTS AND SERVICES We provide insurance advisory services.

MONEY TRANSFER Muthoot Fincorp's Money Transfer is one of the largest payout centre's in India. Muthoot Fincorp Ltd. allows real time receiving of money from across the seas, in less than 10 minutes. Money can be transferred from Western Union Money Transfer, Xpress Money, EzRemit, Money Gram or Trans-Fast, at NO additional service charge to the receiver. Features -- Fastest Money Transfer facility -----No bank account needed for amounts up to Rs. 50,000 The receiver does not have to pay any service charge Certified by the RBI Access it in any of Muthoot Fincorp's 1500 branches across the country Repeat customer can receive money without ID proof

What documents do I need? -- Passport -----drivers license, Voters card pan card Ration card with photo Central Government Employee ID


State Government Employee ID Employee ID Armed forces, Para military services Employee ID of RBI, SEBI, TRAI & IRDA, Employee ID of Police and Postal loyalty card.

FOREIGN EXCHANGE why buy or sell foreign exchange through us? We offer the best rates through our intimate knowledge of the wholesale and retail -financial markets -----25 destination currencies available An experienced team of advisors supported by the latest technology that keeps them abreast of the trends A dedicated dealer is assigned to each customer whether individual or corporate Zero commission Service beyond banking hours

TRAVEL SERVICES Muthoot Fincorp brings the trust & expertise of the Muthoot Pappachan Group into the world of travel management services. We provide the following end to end travel related services. -- Airline ticketing to visa & passport facilitation -Managing cars-hire & surface transport requirements to co-ordinating hotel accommodations Custom built holiday packages for individuals & families to group travel arrangements for Conferences, Meetings, Incentive tours and Exhibition


-- Dedicated dealer for every customer We take pride in catering to the varied needs of every customer with a personal touch. We have successfully satisfied large and small corporate houses as well as retail customers with our wide variety of offerings. Our focus on quality of service, transparency and reliability is supplemented by our commitment to optimizing our customers cost, comfort and convenience, thereby ensuring the ideal mix for their travel plans.

EEZY AUTO LOANS Why an auto loan from us? -- Speedy loan approval -Flexible repayment options, ranging from 12 to 36 months available even at the point of purchase. Repay through any of our branches across the India in easy EMIs. Hassle free loans - No post dated cheques required. Attractive interest rates. Spot approval to MPG debenture Holders


What documents do I need? Depending on the scheme under which the loan is approved some of the following documents are to be provided ------Address Proof Signature Proof ID Proof Income Tax Returns or Pay Slip / Form 16 Last 3 months Bank Statement &. 3 post dated cheques of the same account House/Building Tax/Land Tax Receipt


Accident insurance policy available

LATEST NEWS Muthoot Fincorp takes its '3 min gold loan' offer pan India 8 December 2011 The company has launched a month-long, out of home campaign to promote its new offer 'Gold Loan in 3 min', across more than 100 towns in various cities in Maharashtra, Gujarat, Delhi, Haryana, Punjab, Tamil Nadu, Andhra Pradesh, and Karnataka. Click here to read the report online. MOMS executes large scale outdoor campaign for Muthoot Fincorp 5 December 2011 MOMS has executed an extensive, large scale wide spread outdoor campaign to promote Muthoot Fincorp's latest product offering, 'Gold loans in 3 minutes'. Additionally, the campaign also targets to establish and enhance the brand image of Muthoot Fincorp. The month long campaign has been executed in more than 80 cities in Karnataka, Andhra Pradesh, Tamil Nadu, Kerala, Haryana etc. including major cities like Delhi. Click here to read the report online. Muthoot Fincorp ties up with MoneyGram As part of strengthening its position in the money transfer business, gold loan financier Muthoot Fincorp Ltd has entered into an alliance with global instant money transfer brand MoneyGram through UAE Exchange. read more WGC endorses Swarnavarsham scheme World Gold Council endorses the Swarnavarsham scheme as an investment. read more Jewellery sales likely to spurt 30-35% on Dhanteras NDTV Profit 24 October 2011 High gold prices, ruling at Rs. 26,500 per 10 grams, are unlikely to deter jewellery buyers during the days leading to Dhanteras and traders are expecting a robust season with around 30-35 per cent spurt in sales.

"We expect jewellery sales to grow up to 35 per cent, especially in the light and medium weight category as well as the coins category," Shree Ganesh Jewellery House Marketing and Communications Head Rahul Singh said. Click here to read the report online. Muthoot Fincorp spreads its wings to the Pink city Jaipur, October 3, 2011 Muthoot Fincorp Limited, the flagship company of the Muthoot Pappachan Group, today took yet another significant step, announcing its entry into Rajasthan by setting up five branches in Jaipur. In North India, it already has a presence in Delhi, Chandigarh, UP, Haryana & Punjab .Chairman and Managing Director, Mr. Thomas John Muthoot, speaking on behalf of the Muthoot Pappachan Group on the occasion said: "Rajasthan, popularly known as the Incredible State of India, is an equally major market for us and we plan to set up 50 branches spread across Jaipur, Alwar, Beawar, Barmer, Kota, Ajmer, Jodhpur, Udaipur, Pali & Bikaner by March 2012." "Over 30% of our Gold Loans are availed in western and northern India and this number is steadily rising" Mr Muthoot said, adding "Rajasthan will be a major contributor." Muthoot Fincorp will offer a bouquet of products & services to its customers in Rajasthan including - Express 3 Minute Gold Loan, a product designed to meet the quick need for liquidity, Smart + Gold Loan, where the customer can repay a gold loan in easy monthly instalments and Swarnavarsham, a loan scheme in which the customer can purchase gold in easy instalments. The Group's popular 2 and 3 wheeler financing schemes & the housing finance product primarily targeting the lower to middle income segment will also be launched soon. "We believe Rajasthan has huge potential and would be one of the key states for us in North India, going forward. We have big plans for Rajasthan and shall employ 200 people in the state by March 2012" Mr Muthoot said. "We are focused on taking our products and services into the farthest corners of the country and are well aware that a customer comes to us when he has a need and he is looking for quick, efficient & hassle free service. Our products are designed keeping the customer's interest and requirement in mind," Mr Muthoot added. The 5 branches of Muthoot Fincorp in Jaipur will be located at Rajapark, Mansarovar, Mahesh Nagar, Khatipura Road and Vidhyadhar Nagar.

"We will have 2,000 branches across the country by March 2012," Mr Muthoot said.

Muthoot Fincorp ties up with Xpress Money Muthoot Fincorp in its tie up with Xpress Money will through offer express money services through its 1300 branches. This strategic alliance between both companies that are involved in financial services for decades provides NRI's a quick and easy alternative for money transfers. read more Impacting lives at the grassroots 02 Aug 2011 A look through the window of ACCION's Dialogue on Business, in partnership with Muthoot Pappachan Group, on making a direct impact on the lives of women at grassroot levels. An excerpt from ACCION's blog. Click here to view blog.

A Muthoot Fincorp Initiative to support Kerala Police 6 June 2011 Muthoot Fincorp Ltd., the flagship company of Muthoot Pappachan Group, as part of its ongoing social initiative has provided rain coats to Kerala Police at a function held today at the City Police Commissioner's Office in Trivandrum. Mr. Wilson K. Joseph (Associate President - Vigilance and Security, Muthoot Fincorp. Ltd.) handed over the rain coats to Mr. Manoj Abraham IPS, City Police Commissioner, Trivandrum. Apart from Trivandrum, Muthoot Fincorp will be supplying raincoats to the City Police of Cochin and Calicut too.

Demand for gold to rise Akshaya Trithiya, which ranks as one of the most important festivals in the Indian calendar, falls on May 6 this year. Considered to be one of the most auspicious periods to buy gold, Indians believe that this tradition which has been followed over centuries brings a family prosperity and good fortune. Ajay Mitra, Managing Director, India and Middle East, World Gold Council said, Gold has been a time- tested secure asset class and for any investor it is one of the best performing assets. Indians have always had an affinity towards gold and with time gold has transformed itself to becoming an integral part of every locker. The World Gold Council in association with Muthoot Fincorp from the Muthoot Pappachan Group is organising a promotion for Swarna Varsham ........(Read more) WGC PARTNERS MUTHOOT, OTHERS FOR 'AKSHAYA TRITHIYA' - WGC CONJURES UP NEW INITIATIVES TO CATER TO GOLD DEMAND AS AKSHAYA TRITHIYA NEARS - WGC PARTNERS WITH VARIOUS ASSOCIATES FOR AKSHAYA TRITHIYA

Muthoot Pappachan Group forays into the Housing Finance Business Mumbai, 29 March, 2011. Kerala based Muthoot Pappachan Group (MPG), one of the leading business houses in South India, today announced its entry into the housing finance segment, post securing its license from National Housing Bank (NHB). The group has its presence in Financial Services, Hospitality, IT Infrastructure, Automotive, Property & Alternate Energy. Presently, the Muthoot Pappachan Group has an annual turnover of over Rs. 20,000 crore and a customer base of over 10 lakh. The new venture, Muthoot Housing Finance Limited will be a subsidiary of the flagship company Muthoot Fincrop Limited (MFL). The group plans to invest around Rs.100 crore over the next two years in this venture. The new entity would primarily target the low to middle income housing finance segment and aim to disburse small-ticket loans. In the initial phase, the group intends to roll-out branch offices in large urban centers like Mumbai, Chennai, Bengaluru & Ahmedabad. Muthoot Housing Finance Limited will leverage on the groups wide geographic footprint, established field experience with informal customer base across geographies and professions as well as its multi pronged credit assessment capabilities across different product lines. Elaborating on the subject, Mr. Thomas Muthoot, Executive Director, Muthoot Pappachan Group said, "Muthoot Housing Finance Limited is in line with our groups long-term expansion strategy. We see immense scope in the home loan market, especially in the low income segment. The idea is to be a facilitator to every Indians dream of owning a house. "The objective is to tap the opportunity in the middle and low income segment, which is yet to be explored fully. We are looking at customers in the informal segment who have a monthly income in the range of Rs 10,000-Rs 30,000 & an average loan size of Rs. 3 lakhs to Rs. 10 lakhs," added Mr Maneesh Srivastava, CEO Muthoot Housing Finance Limited. Muthoot Housing Finance Company would be headquartered in Mumbai . It plans to start operations by May 2011 and would open 25 branches in the coming financial year. Given the huge demand for housing in the middle to low income segment and the paucity of organized sector finance for informal sector customers, this business offers a huge opportunity and at the same time serves to fulfill a social objective, which the Muthoot Pappachan Group is committed to in all its businesses.

Successful show by MPG Sthreejyoti entrepreneurs on Womens Day. Bengaluru, Trivandrum, Cochin, Chennai, Coimbatore, Womens Day 8th March: Muthoot Pappachan Groups Sthreejyoti, the grassroot level women entrepreneur development programme in partnership with ACCION, held a unique exhibition and sale of products in four key cities in South India on Womens Day. The event showcased products developed and manufactured by women entrepreneurs who were trained in management skills and supported by MPG. Sthreejyoti was launched in early 2010, and has quickly spread its activity throughout South India. Over 7,400 aspiring women entrepreneurs have been so far trained, touched and promoted by the activities. The programme also provides financial assistance in the form of Muthoot Mahila Mitra loans to the women entrepreneurs. MPG Sthreejyoti assists these women throughout the life of the product and entrepreneur in terms of marketing support, financial assistance and financial education and savings in the form of the Swarnvarsham gold ownership scheme. The Sthreejyoti programme is conceptualized and mentored by Thomas Muthoot, Executive Director of MPG. Bengaluru It was a treat so see women smiling when chief guest Chenraj R. Jain, Chairman, Jain Group of Institutions, called all the women entrepreneurs present to light the lamp, breaking protocol. Mr. Jains personal interaction with the Sthreejyoti entrepreneurs set the pace for a successful event. The Sthreejyoti entrepreneur team transacted sales to the tune of Rs.90,000 from handicrafts, ready-to-eat food products, condiments, ready-to-mix powders, garments and jewellery. Thanks to the efforts of Dr. Usha Gopinath of ACCION, the Jain Group of Institutions graciously provided space and facilities for the event organized by MPG Sthreejyoti. Yashasvini Ramaswamy, recipient of the award for 'emerging future world leader' by GIFT, an initiative supported by the Clinton Global initiative, was the guest speaker. Ms. Yashasvini is a renowned world expert in development projects. Trivandrum In Trivandrum, Chief General Manager of NABARD, K. C. Shashidhar and Chairman & Managing Director of MPG, Thomas John Muthoot, inaugurated the programme. Thirty six women entrepreneurs exhibited their products. The exhibition was arranged at Muthoot Fincorps new, state-of-the-art Kesavadasapuram Branch. Due to the prominent location of the branch the event captured public attention, with many walking into the

stalls, as a result of which there was brisk sales. The exhibition continued well past the closing time of 7pm. Around 70% of the products displayed by the women entrepreneurs were snapped up by the public halfway through the exhibition. Cochin The Cochin chapter of the Womens Day exhibition and sale received tremendous support from both Sthreejyoti entrepreneurs and the public. Sadaf Sayeed, COO of Microfinance at MPG launched the event. 40 percent of MPG Sthreejyoti entrepreneur products were sold out by noon during the event. The Muthoot Mahila Mitra and Sthreejyoti teams planned and ensured a well-oiled machinery for the Sthreejyoti entrepreneurs. Several walk-in members of the public were present at the exhibition and sale throughout the day. Chennai The Chennai exhibition and sale was inaugurated by Mary L., Ward Councilor of the Chennai Corporation. A womens development activist in her own right, the Sthreejyoti entrepreneurs were encouraged by her presence. Twenty three women entrepreneurs exhibited their products. More than 150 MMM team visited the stall. The MLA of the constituency, Ranganathan B. was present for the valedictory function. Coimbatore The PSG College was the venue of the Women's Day exhibition and sale conducted by MPG for its Sthreejyoti entrepreneurs. A total of 96 women entrepreneurs participated in the activity with the support of 40 Muthoot Mahila Mitra personnel and 60 volunteers of PSG College. Chandra Sekharan, Internal Coordinator, Department of Textile Technology, PSG College, inaugurated the event. Due to the success of the Womens Day programme, another major exhibition cum sale of products developed and manufactured by Sthreejyoti entrepreneurs is proposed to be conducted at the PSG campus by end of March 2011. Summarising the Womens Day activities for MPG Sthreejyoti entrepreneurs, George Muthoot, Director, Muthoot Pappachan Group said: MPG is passionate about building the latent creativity, capability and entrepreneurial spirit of Indias women at the grassroots. Thomas Muthoot, Executive Director and Sthreejyoti Mentor, adds: "Women are our future, as proven by successful ones at the highest levels in todays corporate world. Women at the bottom of the pyramid need to be given the opportunity too. Here is where the MPG Sthreejyoti programme is delivering exhilarating results."

Muthoot Fincorp Limited has strategic alliances with leading companies which grant our customers access to premium services at affordable costs. Alliance Partners: Western Union Money Transfer - Money

Transfer Motilal Oswal - For Investment Advisory Services & Share broking Franklin Templeton- Mutual Funds