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At Muthoot Capital, transparency, trust, and compliance are at the core of everything we do. This section outlines our key corporate policies, regulatory disclosures, and ethical guidelines that govern our operations. Whether you're a customer, investor, or stakeholder, we are committed to providing clarity on our processes and your rights. Explore our policies to understand how we ensure responsible finance, data protection, customer service standards, and corporate governance
This Policy was approved by the Board of Directors at the meeting held on October 18, 2018, and reviewed on May 17 2022, Feb 9 2023, May 19 2023 and October 29, 2024
This Policy was approved by the Board of Directors at the meeting held on April 02, 2012 and subsequently reviewed on November 10, 2017, January 13, 2018, January 18, 2019, July 28, 2020, February 02, 2022, April 29, 2023, May 23, 2024 and July 16, 2026
This Policy was approved by the Board of Directors at the meeting held on 15th January 2016 and reviewed by the Board on 18th April 2017
This Policy was last reviewed and approved by the Board of Directors at it’s Meeting held on March 31, 2026.
This Policy was approved by the Board of Directors at the meeting held on 20th May, 2014 and reviewed by the Board on 14th July, 2016 , 18th April, 2017 and on 8th August 2023
The Audit Committee is committee of Board of Directors charged with oversight of financial reporting and disclosure and provides an ‘independent’ reassurance to the Board through its oversight and monitoring role. It assists the Board to keep a close vigil on the working of the Company.
Pursuant to Section 135 of Companies Act, 2013 and Companies (Corporate Social Responsibility Policy) Rules, 2014
This Policy was approved by the Board of Directors at the meeting held on Wednesday, 11th November 2015 and reviewed by the Board on 18th April 2017
The guidelines of RBI through Circular RBI/2023-24/53 dated Aug 18, 2023 on ‘Fair Lending Practice - Penal Charges in Loan Accounts are effective from Apr 01 , 2024 and applicable for all fresh loan facilities executed from Apr 01, 2024. In case of an existing loan facility, the switchover to the new penal charges regime will take place by the next review or renewal date or before Jun 30, 2024, whichever is earlier.
This Standard Operating Procedures (SOP) is a standard document which lays down the process to be followed for NACH Mandate Cancellation.
This policy would be reviewed annually taking into account the change in business scenario and market dynamics. However, in the event of a change in the regulatory guidelines, necessary changes will be affected as and when required with the approval of the management of the Company
This Policy was approved by the Board on 24.06.2024
The purpose of this mechanism is to comprehensively outline the process for handling customer grievances in a fair, efficient and prompt manner. It also aims to minimise instances of customer complaints and grievances
This Code was approved by the Board of Directors at the meeting held on 25th May, 2015 and reviewed by the Board on 18th April, 2017 and April 24, 2019
This Policy was approved by the Board of Directors at the meeting held on 23rd January 2024 and reviewed on 4th February 2025
This Policy was approved by the Board on September 14, 2021
This Policy was last reviewed and approved by the Board at its Meeting held on April 23, 2026
This policy was adopted by the Board of Directors of the Company on 29th October 2024 and was last reviewed on 23rd April 2026
This Policy was last reviewed and approved by the Board of Directors at its Meeting held on May 08, 2026.
The List of Recovery Agencies includes authorized third-party entities engaged by the organization to carry out loan recovery and collection activities.
This policy is intended to ensure systematic identification, approval and/ or reporting of transactions as applicable, between the Company and any of its related party in the best interest of the Company and its Stakeholders.
This Policy was approved by Board of Directors at the meeting held on August 05, 2025 and reviewed on July 16, 2026
This Code was approved by the Board of Directors at the meeting held on 25th May, 2015 and reviewed by the Board on 18th April, 2017 and April 24, 2019
The Reserve Bank -Integrated Ombudsman Scheme (RB-IOS, 2026) is a cost-free, expeditious and non-adversarial alternative grievance redress mechanism for customer complaints involving deficiency in service by Regulated Entities covered under this Scheme. It came into force with effect from July 01, 2026.
This Policy was approved by the Product and Process Approval Committee of the Company at the Meeting held on July 16, 2026
This Policy was approved by the Board of Directors at the meeting held on 9th February 2023 and reviewed by the Board on 8th August 2023.
This Policy was approved by the Board of Directors at the meeting held on 23rd January 2024
The Policy is approved by the Board on January 30, 2015 and last reviewed on May 19, 2023 , May 23, 2024 and March 24, 2025
This Policy was approved by the Board of Directors at the meeting held on June 19, 2021
This Policy was reviewed by the Board of Directors at the meeting held on 23rd January 2024
This Policy was approved by the Board on June 03, 2021, and reviewed by the Board on August 10, 2021
Independent Directors are provided with a separate letter of appointment specifying the terms and conditions of their appointment
This Policy was approved by the Board of Directors at the meeting held on 23rd January 2024 reviewed on 23rd May 2024 and 22nd May 2025
Third-party data sharing refers to the process of transmitting customer or operational data to external vendors or service providers who perform specific activities on behalf of the organization.
The Board of Directors (the’ Board’) of the Company has adopted the following Code of Business Conduct and Ethics (the’ Code’) for directors and senior management of the Company.
The classification of a loan account as Special Menon Accounts (“SMA”)/ Non-Performing Asset (“NPA”) is dependent on the period for which any payment, including Principal component and/ or Interest component, remains overdue from a borrower. In this regard, it must be noted that an amount shall be treated as overdue if it is not paid on the due date fixed/ agreed for the loan.
This Policy was approved by the Board of Directors at the meeting held on January 15, 2016 and reviewed by the Board on April 18, 2017, June 14, 2018, October 18, 2018, February 9, 2023, and May 19, 2023.
This Policy was approved by the Board of Directors at the meeting held on 19th June 2021 and reviewed by the Board on 08th August 2023 & 23rd May 2024
