Date: August 14, 2026
Regulatory Compliance Filing
Muthoot Microfin Limited submitted its monthly Provisional Asset Liability Management statement to BSE Limited and National Stock Exchange of India Limited pursuant to SEBI Circular SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025. The filing was signed by Neethu Ajay, Chief Compliance Officer and Company Secretary, on August 14, 2026.
Structural Liquidity Statement (Table 2)
Outflows Summary
Capital: ₹16,776.70 lakh (all in over 5 years bucket)
- Equity Capital: ₹16,776.70 lakh
Reserves & Surplus: ₹2,77,721.00 lakh (non-sensitive)
- Share Premium Account: ₹1,60,573.60 lakh
- Reserves under Sec 45-IC of RBI Act 1934: ₹25,341.60 lakh
- Balance of profit and loss account: ₹24,306.70 lakh + ₹67,499.10 lakh
Borrowings: ₹9,82,229.51 lakh across maturity buckets:
- 0-7 days: ₹6,162.28 lakh
- 8-14 days: ₹6,442.93 lakh
- 15-30 days: ₹39,691.77 lakh
- 1-2 months: ₹65,471.45 lakh
- 2-3 months: ₹45,972.79 lakh
- 3-6 months: ₹1,43,635.78 lakh
- 6-12 months: ₹3,02,251.33 lakh
- 1-3 years: ₹3,57,173.68 lakh
- 3-5 years: ₹15,427.50 lakh
Bank Borrowings Breakdown: ₹7,85,904.17 lakh
- Term Money Borrowings: ₹4,45,142.90 lakh
- ECBs: ₹1,32,561.41 lakh
- Other borrowings from NBC/FI: ₹93,833.19 lakh
- Commercial Papers: ₹3,274.40 lakh (all to banks)
- NCDs: ₹99,217.75 lakh (all secured, fixed rate)
Current Liabilities & Provisions: ₹58,774.74 lakh
- Sundry creditors: ₹3,941.80 lakh
- Expenses payable: ₹2,729.20 lakh
- Interest payable: ₹1,902.19 lakh
- Provisions for Standard Assets: ₹10,312.53 lakh
- Provisions for NPAs: ₹37,652.72 lakh
- Other provisions: ₹2,236.30 lakh
Off-Balance Sheet Outflows: ₹16,651.10 lakh
Inflows Summary
Cash: ₹194.40 lakh (0-7 days)
Balances with Banks: ₹77,027.71 lakh
- Current Account: ₹29,727.30 lakh
- Deposit Accounts: ₹47,300.41 lakh across maturity buckets
Investments: ₹39,324.50 lakh
- Government Securities: ₹12,742.10 lakh (15-30 days)
- Other fixed income: ₹26,582.40 lakh (over 5 years)
Advances (Performing): ₹10,50,784.88 lakh across maturity buckets
- 0-7 days: ₹23,886.77 lakh
- 8-14 days: ₹15,206.63 lakh
- 15-30 days: ₹29,982.56 lakh
- 1-2 months: ₹49,564.20 lakh
- 2-3 months: ₹48,260.24 lakh
- 3-6 months: ₹1,45,627.38 lakh
- 6-12 months: ₹2,70,248.49 lakh
- 1-3 years: ₹4,64,898.17 lakh
- 3-5 years: ₹3,110.44 lakh
Non-Performing Loans: ₹52,880.30 lakh (all sub-standard, over 3-5 years)
Fixed Assets: ₹6,714.30 lakh (non-sensitive)
Other Assets: ₹1,26,195.46 lakh (non-sensitive)
Liquidity Mismatch Analysis
Monthly Mismatch (B - A): -₹10,045.88 lakh
Cumulative Mismatch: ₹0.00 lakh
Mismatch as % of Total Outflows: 0.00%
Cumulative Mismatch as % of Cumulative Total Outflows: 0.00%
Interest Rate Sensitivity Statement (Table 3)
Rate Sensitive Liabilities
Borrowings by Rate Type:
- Fixed Rate: Majority of borrowings across all buckets
- Floating Rate: Limited exposure, primarily in ECB borrowings (₹4,121.00 lakh)
Total Interest-Sensitive Liabilities: ₹13,53,121.55 lakh
Rate Sensitive Assets
Advances by Rate Type:
- Fixed Rate: ₹10,50,784.88 lakh (all performing advances)
- Floating Rate: ₹0.00 lakh
Total Interest-Sensitive Assets: ₹13,53,121.55 lakh
Interest Rate Gap Analysis
Mismatch (B - A): ₹0.00 lakh
Cumulative Mismatch: ₹0.00 lakh
Mismatch as % of Total Outflows: 0.00%
Off-Balance Sheet Items (Table 4)
No material off-balance sheet exposures reported across all categories including:
- Lines of credit committed to other institutions
- Letter of Credits
- Guarantees
- Derivative exposures
- Other contingent outflows/inflows
Total OBS Outflows (OO): ₹0.00 lakh
Total OBS Inflows (OI): ₹0.00 lakh
Mismatch (OI-OO): ₹0.00 lakh
Additional Information
All monetary amounts are reported in ₹ Lakhs Only
The statements follow the DNBS4B Structural Liquidity and DNBS4B IRS reporting formats
No material disclosures under sections: KMP/Board Changes, Dividend Declaration, Board Meeting Outcomes, Financial Results, Auditor's Report, Disinvestment/Strategic Actions, Media Release/Investor Communication