Date: June 15, 2026

Regulatory Compliance Disclosure

Muthoot Microfin Limited submitted its Provisional Asset Liability Management statement for the month ended May 31, 2026, pursuant to SEBI Circular SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025. The submission was made to both BSE Limited and National Stock Exchange of India Limited.

Structural Liquidity Analysis (Table 2)

Total Outflows: ₹13,09,824.01 lakhs

Major Outflow Components:

  • Capital: ₹16,776.70 lakhs (all in over 5 years bucket)
  • Reserves & Surplus: ₹2,69,837.50 lakhs (non-sensitive)
  • Borrowings: ₹9,36,103.10 lakhs distributed across maturity buckets:
  • 0-7 days: ₹5,379.23 lakhs
  • 8-14 days: ₹10,003.64 lakhs
  • 15-30 days: ₹50,809.73 lakhs
  • 1-2 months: ₹46,260.23 lakhs
  • 2-3 months: ₹52,085.64 lakhs
  • 3-6 months: ₹1,36,228.81 lakhs
  • 6-12 months: ₹2,10,200.72 lakhs
  • 1-3 years: ₹4,12,542.30 lakhs
  • 3-5 years: ₹12,592.80 lakhs

Bank Borrowings Breakdown: ₹5,01,627.64 lakhs total

  • Term Money: ₹3,74,735.64 lakhs (primarily floating rate)
  • ECBs: ₹1,26,892.00 lakhs (all fixed rate)

NCDs: ₹1,02,828.75 lakhs total (all fixed rate)

  • Subscribed by NBFCs: ₹81,360.75 lakhs
  • Subscribed by Banks: ₹300.00 lakhs
  • Subscribed by Insurance: ₹2,500.00 lakhs
  • Others: ₹18,668.00 lakhs

Current Liabilities & Provisions: ₹70,221.51 lakhs (non-sensitive)

Total Inflows: ₹13,09,824.01 lakhs

Major Inflow Components:

  • Cash: ₹121.80 lakhs
  • Balances with Banks: ₹84,306.00 lakhs
  • Investments: ₹39,589.90 lakhs (including Government Securities: ₹12,233.60 lakhs)
  • Advances (Performing): ₹10,21,146.07 lakhs across all maturity buckets
  • Gross Non-Performing Loans: ₹59,453.34 lakhs (in over 3-5 years bucket)
  • Other Assets: ₹98,410.60 lakhs (non-sensitive)

Liquidity Mismatch Analysis:

  • 0-7 days: +₹54,577.50 lakhs (1014.60% of outflows)
  • 8-14 days: +₹5,645.77 lakhs (56.44% of outflows)
  • 15-30 days: +₹1,553.63 lakhs (2.57% of outflows)
  • 1-2 months: +₹15,189.74 lakhs (32.84% of outflows)
  • 2-3 months: -₹2,982.28 lakhs (-5.73% of outflows)
  • 3-6 months: +₹8,427.33 lakhs (6.17% of outflows)
  • 6-12 months: +₹65,692.09 lakhs (30.81% of outflows)
  • 1-3 years: +₹52,949.73 lakhs (12.83% of outflows)
  • 3-5 years: +₹10,641.49 lakhs (15.06% of outflows)
  • Over 5 years: -₹2,11,695.00 lakhs (-69.98% of outflows)

Cumulative Liquidity Position: Surplus of ₹2,11,695.00 lakhs (21.02% of cumulative outflows)

Interest Rate Sensitivity Analysis (Table 3)

Interest Rate Sensitive Liabilities: ₹9,36,103.10 lakhs

Interest Rate Sensitive Assets: ₹10,21,146.07 lakhs (primarily fixed rate advances)

Mismatch by Time Bucket:

  • 0-7 days: +₹17,482.60 lakhs (325.00% of outflows)
  • 8-14 days: +₹5,645.77 lakhs (56.44% of outflows)
  • 15-30 days: +₹3,200.76 lakhs (6.30% of outflows)
  • 1-2 months: +₹8,413.84 lakhs (18.19% of outflows)
  • 2-3 months: -₹2,982.28 lakhs (-5.73% of outflows)
  • 3-6 months: +₹8,888.93 lakhs (6.53% of outflows)
  • 6-12 months: +₹68,707.09 lakhs (32.69% of outflows)
  • 1-3 years: +₹44,259.23 lakhs (10.73% of outflows)
  • 3-5 years: +₹50,446.87 lakhs (400.60% of outflows)
  • Over 5 years: +₹27,356.30 lakhs
  • Non-sensitive: -₹2,31,419.11 lakhs (-61.92% of outflows)

Cumulative Interest Rate Sensitivity: Net positive mismatch of ₹2,31,419.11 lakhs

Off-Balance Sheet Items (Table 4)

No material off-balance sheet exposures reported across all categories including lines of credit, guarantees, derivatives, and other contingent items.

Monetary Unit

All amounts reported in Indian Rupees Lakhs (₹ lakhs).