Muthoot Capital Services (MCSL), established in 1994, stands as a trusted and forward-looking Non-Banking Financial Company (NBFC) in India. A proud member of the Muthoot Pappachan Group, MCSL is registered with the Reserve Bank of India (RBI) as a Deposit-Taking Non-Banking Financial Company and is publicly listed on both BSE Limited and the National Stock Exchange of India (NSE). The company’s debt instruments are actively traded on the BSE, reflecting strong market confidence in its financial stability.

For decades, the company has been enabling financial inclusion across India by offering accessible, timely, and customer-centric credit solutions. Through the extensive branch network of Muthoot FinCorp Limited, along with dealership tie-ups and digital platforms, the company serves a diverse customer base, including retail, corporate, and institutional clients.

The company’s portfolio features a growing range of fund-based offerings, including Two-Wheeler Loans, Used Car Loans, Business Loans, and investment products such as Fixed Deposits and Subordinated Debentures. Each of these offerings is tailored to support the evolving aspirations of its customers - whether related to mobility, entrepreneurship, or wealth creation.

Business area of the company

The company is engaged in the business of financing for purchase of automobiles, mainly two wheelers, used four wheelers and commercial vehicles against hypothecation of the vehicles and granting of personal/ business loans etc.

Products

• Two-Wheeler Loan
• Car Loan
• Fixed Deposits
• Commercial Vehicle
• Loyalty Loans

Milestones/ Achievements/ Awards

• 1994: Started Operations
• 1995: Listed on BSE
• 1998: Acquired Deposit-Taking NBFC Licence from RBI
• 2008: Entered the Two-Wheeler financing segment
• 2013: Started to accept Fixed Deposits
• 2014: AUM crosses Rs 500 crore
• 2015: Listed on National Stock Exchange
• 2016: AUM crosses Rs 1000 crore
• 2018: MCSL ranks among Top 50 NBFC across India
• 2019: AUM crosses Rs 2000 crore
• 2022: Rated CRISIL A+
• 2022: Started Co-lending business
• 2023: India’s Most Trusted Companies Award.
• 2023: International Brand Consulting Crop.
• 2024: Best Vehicle Financer of the Year Award – Lendtech
• 2025: AUM crosses Rs 3000 crore
• 2025: Acquired Corporate Agency Licence from IRDAI
• 2025: Awarded ISO/IEC 27001:2022
• 2025: ESG Impact Rating of 73