Muthoot MCred Bonds
6 bonds issued by Muthoot MCred, listed across Indian platforms and sorted by yield to maturity (YTM). Compare YTM, coupon, tenure, credit rating and minimum investment.
About Muthoot MCred
Muthoot MCred Limited, known until its 2025 rebrand as Muthoottu Mini Financiers Limited, is a gold loan focused NBFC incorporated in 1998 and headquartered in Kochi, Kerala. It is owned by the Muthoottu family promoters and promoter-held entities, part of a group with a six-decade track record in gold lending. It is a separate business from Muthoot Finance Limited and from the Muthoot Pappachan Group (Muthoot Blue), which are run by other branches of the extended Muthoot family. As of September 2025 it operated 973 branches across 12 states and union territories, with gold loans making up about 93% of its portfolio and operations concentrated in South India, particularly Tamil Nadu and Kerala.
- AUM
- Rs 4,995 crore
- Gross NPA
- 0.9%
- Capital adequacy
- 21.4%
- Net profit
- Rs 94.2 crore
Figures as of FY25 (31 Mar 2025). Rated by ICRA. Source: rating rationale.
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Plan your bond ladderWho is Muthoot MCred?
Muthoot MCred Limited, known until its 2025 rebrand as Muthoottu Mini Financiers Limited, is a gold loan focused NBFC incorporated in 1998 and headquartered in Kochi, Kerala. It is owned by the Muthoottu family promoters and promoter-held entities, part of a group with a six-decade track record in gold lending. It is a separate business from Muthoot Finance Limited and from the Muthoot Pappachan Group (Muthoot Blue), which are run by other branches of the extended Muthoot family. As of September 2025 it operated 973 branches across 12 states and union territories, with gold loans making up about 93% of its portfolio and operations concentrated in South India, particularly Tamil Nadu and Kerala. Its bonds are issued under the legal name Muthoot MCred Limited (formerly Muthoottu Mini Financiers Limited).
Is it safe to invest in Muthoot MCred bonds?
Muthoot MCred's listed bonds carry an A credit rating from ICRA; as of FY25 (31 Mar 2025) the company reported AUM of Rs 4,995 crore, gross NPA of 0.9%, capital adequacy of 21.4% and net profit of Rs 94.2 crore. A credit rating measures the chance of default, not price stability, and corporate bonds are not covered by DICGC deposit insurance. Read the issuer's latest rating rationale before you invest.
What yield do Muthoot MCred bonds offer right now?
As of Sept 2026, the 6 listed Muthoot MCred bonds yield between 8.25% and 11% (average 10.1%), against roughly 6-7% on a comparable bank FD.