130 years of unblemished business excellence providing services to millions of underserved Indians leading to Financial Inclusion even in the most remote and rural areas of the country. Since its inception, The Muthoot Group has been transforming lives of millions of Indians across the country, giving wings to their dreams and creating successful realities. The Muthoot Group has not only grown exponentially but has also facilitated growth for a sizeable population of the country that falls in the underserved category. Muthoot Finance: Muthoot Finance Limited is the largest gold financing company in India in terms of loan portfolio. The company is a 'Systemically Important Non-deposit taking NBFC' headquartered inthe southern Indian state of Kerala. Muthoot Finance is listed in the leading Indian stock exchanges. Operating history of Muthoot Finance has evolved over a period of 79 years since M.George Muthoot (the father of our Promoters) founded a gold loan business in 1939 under the heritage of a trading business established by his father, Ninan Mathai Muthoot in 1887. The company provides personal and business loans secured by gold jeweler (Gold Loans), primarily to individuals who possess gold jewellery but could not access formal credit within a reasonabletime, or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. Muthoot Finance has 4 subsidiaries, namely Belstar Investments (Microfinance, HQ - Chennai),Asia Asset Finance (a Listed NBFC in Sri Lanka - HQ Colombo), Muthoot Insurance Brokers (IRDA Registered Composite insurance broker, HQ - Cochin), Muthoot Homefin (Housing Finance Company, HQ - Mumbai) Muthoot Finance today has a Gold Loan portfolio of over Rs.27,500 crores and an additional Rs.2000 crores of Non-Gold Loan portfolio through its subsidiary businesses, which is approximately 7% of the consolidated AUM. The management has decided to increase its Non- Gold Loan products to upto 25% of the consolidated AUM over the next 3 years. In this effort, over the last 8 quarters we have commenced a personal loan vertical, primarily aiming at salariedborrowers. The loan ticket size varies between Rs.1 lakh - Rs.10 lakhs. At present we have launched personal loans in the three states of South India - Tamil Nadu, Kerala and Karnataka. Our goal is to have pan-India disbursement of personal loans in the next two years and grow theAUM to Rs. 1,000 crores by FY 2021