Privacy Policy

Muthoot Microfin Limited is committed to protect the privacy of personal information shared by you either by visiting our website or by filling our application form or participating in our surveys. This Privacy Policy lays down the collection, usage, protection and sharing of your Personal Information or Sensitive Personal Data, in accordance with provisions of the Information Technology (Reasonable Security practices and procedures and sensitive personal data or information) Rules, 2011. This Privacy Policy shall be amended from time to time to comply with our business requirements and applicable laws. The amendments made shall be updated on this website. You may visit this website to view the changes in policy. By using this website or by providing your information to us, you consent that your personal information may be collected and used by us as per this Privacy Policy.

Personal Information:

Personal information refers to such information that can directly or indirectly identify a person like the full name or email address, etc.

The type of Personal Information collected from you may include your full name, address, telephone number and email address which shall be used by us for providing the services to you.

Sensitive Personal Data:

Sensitive Personal data refers to the information of a person that is more sensitive in nature which includes passwords, financial information namely bank account, biometric information, etc.

Collection of information:

The information pertaining to your identity and demographics shall be collected by us for enabling us to provide better services to you.

Usage of your information:

Any of the information we collect from you may be used in one of the following ways:

  1. To personalize your experience – Your information helps us to respond to your individual needs in a better way.
  2. To verify your identity as per applicable laws
  3. To improve your experience with our website – We continually strive to improve our website offerings based on the information and feedback we receive from you
  4. To improve customer service – Your information helps us to more effectively respond to your customer service requests and support needs
  5. To process your transactions easily
  6. To administer a contest, promotion, survey or other site feature – We shall reach out to you when we are conducting any contests or surveys. You may opt out if you do not wish to be included
  7. To send periodic emails – The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
  8. To keep you informed about our new products or services unless you unsubscribe to our emails
  9. To carry out research and analysis to study customer use and experience on an anonymous or personalized basis
  10. Other usages that you may consent to

Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. We may, however, share personal information to our group companies, for providing better services to you, if you expressly consent to do so.

Protection of information:

We implement a variety of security measures to protect your personal information from unauthorized access or disclosure. Further our employees who have limited access to your personal information are bound by Non-Disclosure and Confidentiality Policies.

Disclosure of information:

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties comply with applicable laws and agree to keep this information confidential.

We may have to disclose your personal information or sensitive data with Government agencies or other law enforcement agencies, if we are called upon to do so, for the purpose of investigation or otherwise. Further, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Muthoot Microfin

Disclaimer - Important

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED OUTSIDE INDIA.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the Red Herring Prospectus of Muthoot Microfin Limited (the "Company") dated December 11, 2023 (the "Red Herring Prospectus") filed with the Registrar of Companies, Maharashtra at Mumbai and thereafter with the Securities and Exchange Board of India (SEBI") and the BSE Limited and the National Stock Exchange of India Limited, in relation to the initial public offering of the equity shares of face value of ? 10 each ("Equity Shares") of the Company ("Offer").

THE RED HERRING PROSPECTUS IS BEING MADE AVAILABLE ON THIS WEBSITE TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED ("SEBI ICDR REGULATIONS"). You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Red Herring Prospectus. In accessing the Red Herring Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them from time to time.

The Red Herring Prospectus is directed at, and is intended for distribution to, and use by, residents of India only. The information in this portion of our website, including the Red Herring Prospectus, is not for publication or distribution, directly or indirectly, in or into the United States. No part of the contents of the Red Herring Prospectus shall be copied or duplicated in any form by any means, or redistributed. The information contained in the Red Herring Prospectus may not be updated since its original publication date and may not reflect the latest updates.

The Red Herring Prospectus has been hosted on this website as prescribed under Regulation 26 of the SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently, neither the Company nor any of its affiliates accepts any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data.

The Red Herring Prospectus does not constitute an offer to sell or an invitation to subscribe to the securities offered in any jurisdiction to any person to whom it is unlawful to make an offer or invitation in such jurisdiction and is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) the Company or any of its affiliates would by virtue of such distribution become subject to new or additional registration, licensing or other regulatory requirements. The Equity Shares offered in the Offer have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act") or any state securities laws in the United States, and unless so registered may not be offered or sold within the United States, except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws. Accordingly, such Equity Shares are being offered and sold (i) outside of the United States in "offshore transactions" as defined in and in compliance with Regulation S under the U.S. Securities Act and the applicable laws of the jurisdiction where those offers and sales occur; and (ii) to "qualified institutional buyers" (as defined in Rule 144A under the U.S. Securities Act) pursuant to Section 4(a) of the U.S. Securities Act. No person outside India is eligible to bid for Equity Shares in the Offer unless that person has received the preliminary offering memorandum for the Offer, which comprises the Red Herring Prospectus and the preliminary international wrap (which contains, among other things, the selling restrictions for the Offer outside India).

Any person into whose possession the Red Herring Prospectus comes is required to inform himself or herself about and to observe any such restrictions.

Neither the Company nor any of its affiliates will be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. The Company and its affiliates cannot and do not guarantee the accuracy, timeliness or completeness of the information being made available to you in the Red Herring Prospectus beyond the date of the Red Herring Prospectus. The information in the Red Herring Prospectus is as of the date thereof and neither the Company nor its affiliates, directors or employees are under any obligation to update or revise the Red Herring Prospectus to reflect circumstances arising after the date thereof.

Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risks, see the section titled "Risk Factors" in the Red Herring Prospectus. Any decision on whether to invest in the equity shares described in the red herring prospectus of the Company dated December 11, 2023 ("RHP"), must be made solely on the basis of the RHP. As there may be material changes in the draft red herring prospectus dated June 30, 2023 (the "DRHP") versus the RHP, potential investors should not have relied on the DRHP.

The Company and its affiliates will not be responsible for any loss to any person or entity caused by any shortcoming, defect or inaccuracy which may have inadvertently or otherwise crept into the website. Neither the Company, any of its affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in making this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials.

If you are not permitted to view the materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

Disclaimer - Important

To access this information, you must confirm by pressing on the button marked "I Confirm" that, at the time of access you are located in India. If you cannot make this confirmation, you must press the button marked "I Do Not Confirm".

The documentation contained in these pages is posted solely to comply with Indian legal and regulatory requirements. Making the information contained herein available in electronic format does not constitute an offer to sell, the solicitation of an offer to buy, or a recommendation to buy or sell securities of the Company in the United States or in any other jurisdiction, including without limitation, India.

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