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Our Businesses

The Muthoot Pappachan Group, with a reputation that has been shaped over decades with high quality practices, total customer satisfaction and steady growth in the field of business, is a legacy built on values of trust, truth, transparency, tradition and has become one of the top business houses today. Over the years, the Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. “A journey of a thousand miles begins with a single step”. True to this adage, the group which planted its roots in retail trading, later diversified into various sectors including Financial Services, Hospitality, Automotive, Realty, IT Services, Healthcare, Precious Metals, Global Services and Alternate Energy.

Muthoot Pappachan Group has over 30,000 employees, serving over a million customers with its over 3600 branches across the country. Muthoot Pappachan Group’s customer-centric approach and innovation in terms of new products that cater to changing customer needs, have helped in winning the loyalty of innumerable customers. Adopting the latest technology and new ways to serve, without compromising on basic principles and ethics, is what forms the backbone of Muthoot Pappachan Group.

Muthoot Pappachan Group has grown to encompass unimaginable proportions. Armed with a commitment to society, the Group set up the Muthoot Pappachan Foundation (MPF), a Public Charitable Trust – the CSR arm of Muthoot Pappachan Group that has touched thousands of lives through its diverse programs.

The CSR initiatives of Muthoot Pappachan Group revolve around the theme HEEL, covering


Muthoot Pappachan Group has established a business without boundaries, where challenges are considered stepping-stones to progress. The Muthoot Pappachan Group strives to take the world forward and with perseverance, commitment and sincerity, the possibilities are infinite!

Financial Services

Muthoot Fincorp Ltd.

Muthoot Fincorp Ltd., the flagship Company of the Group, with strong fundamentals, is a proactive Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India. Muthoot Fincorp is a mass provider of finance in the form of gold and other loans with over 3600 branches pan India and an average walk in of 100,000 customers a day.

At Muthoot Fincorp Ltd., the products are specifically planned & designed to serve customers who are unable to access mainstream commercial banks. This unique structure is a result of decades of research and experience in the company’s rural strongholds. This also allows the company to provide quick and customized finance options and investment products.

Muthoot Capital Services Ltd.

Muthoot Capital Services Ltd. promoted by the Muthoot Pappachan Group is a Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India and its equity shares listed in Bombay Stock Exchange (BSE) and National Stock Exchange of India (NSE).

Established in 1994, Muthoot Capital Services Ltd offers fund based financial services to retail, corporate and institutional customers directly and through the wide network of branches of Muthoot Fincorp Ltd. Its portfolio includes commercial finance products predominantly two-wheeler loans, public deposits, and business loans.

Muthoot Housing Finance Company Ltd.

When it comes to home finance for the lower middle and lower income Group,Muthoot Housing Finance Company(MHFCL) has the keys to the home they dream.

MHFCL is headquartered in Mumbai with operations presently in Maharashtra, Gujarat, Madhya Pradesh,Kerala, Tamil Nadu, Karnataka, and Uttar Pradesh.

MHFCL mainly caters to the housing finance needs of customers whose income ranges from Rs. 10,000 to Rs. 30,000per month and offers loans ranging from Rs. 3 lakhs to Rs. 25 lakhs, upto 80% of the property value with a loan repayment period of upto 15 years. The company offers loans for the purchase of ready property, under-construction house / flats, for self-construction on owned plot of land and for home extension.

MHFCL is a subsidiary of the Group’s Flagship Company, Muthoot Fincorp Limited and is registered with the National Housing Bank

Muthoot Microfin Limited

Muthoot Microfin Limited is the microfinance arm of the Muthoot Pappachan Group. It is a diversified conglomerate with an overwhelming presence in multiple verticals.

Muthoot Microfin is dedicated to serve the bottom of pyramid of society by providing customised financial services to the needy, underserved and those who have limited access to regular financial institutions and banks.

Muthoot Risk Insurance and Broking Services (MRIBS)

Muthoot Risk Insurance and Broking Services Private Limited (MRIBS) is dedicated to servicing customers with a wide array of Life Insurance and General Insurance products of leading insurance companies. Headquartered in Trivandrum, Kerala, MRIBS holds an insurance Broking License (Life & General) granted by the IRDA of India. Acting as an insurance intermediary, MRIBS assist clients in choosing cost-effective insurance covers and helps them in pursuing their claims with insurance companies to achieve prompt and fair settlements. MRIBS has tie-ups with more than 25 leading insurance companies in India. It provides technical advice regarding the evaluation of different insurance companies and their various policies with their specialized knowledge in the insurance sector. It has a team of highly qualified and experienced insurance professionals who are ready to assist the clients in some areas completely free-of-cost.Risk Management advice is another specialised service available from MRIBS and undertake pre-insurance risk assessment surveys.

Muthoot Chits

 Chit fund – being a savings-cum-loan scheme, we offer this unique product to all class of customers by maintaining the highest level of ethical standards, best practices, professional integrity, corporate governance, and regulatory compliance. Muthoot Pappachan Chits (India) Pvt Ltd, endeavours to offer complementary Chit Services to its customers who have unique financing requirements – both in the saving & borrowing front.  The company  offers multiple channel/customer touch points for their customers to operate like Online, Chit Office Branch, over 3600 MFL branches.


The Automotive division of Muthoot Pappachan Group has tie ups with leading auto brands for 2 wheeler & 4 wheeler dealerships. Starting with the Yamaha dealership in 1992, the automotive division has come a long way in establishing itself as a dominant player in the automobile retailing space.

Muthoot JLR

Power. Speed. Status.

Attributes that symbolize the Jaguar & Land Rover and Muthoot Pappachan Group, which is what led to it entering into a partnership with these brands. The aim was to develop a showroom and service centre that would surpass international standards. In its first stage itself, the Kochi centre covered the entire Kerala market and service centres have been established in other key cities in Kerala.


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Muthoot Honda

With a national reputation for extreme reliability and thorough service, it stands to reason that Muthoot Pappachan Group would choose a partner with similar qualities. Hence, Honda Bikes. With this partnership, the company was able to introduce innovative customer care standards such as 7am to 7pm service and 24/7 key drop facility. Muthoot Pappachan Group’s Honda 2 Wheeler showrooms are in Cochin, Kolenchery, Adimaly and Kattappana in Kerala .

In addition to this, Muthoot Pappachan Group has also expanded its automotive section with its new Honda cars showroom in Kollam. This purpose-built facility will provide state-of-the-art service to customers, along with a vast product range, which includes the Honda Brio, Honda Jazz, Honda City, Honda Amaze and the Honda Accord. 


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Muthoot Yamaha

One of India’s leading business houses and one of the world’s leading motorcycle brands, definitely a partnership worth talking about.Started in 1992, the company has three outlets in Trivandrum city, with the entire range of Yamaha bikes showcased on the premises. 

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The Muthoot Pappachan Group’s  hospitality venture – Muthoot Pappachan Group Hotels and Infrastructure Ventures Private Limited is a proactive investor and developer of hospitality assets in the Indian sub-continent. Muthoot Pappachan Group Hotels and Infrastructure Ventures Private Limited has formed strategic alliances with leading international brands and service providers such as Indian Hotels Company Limited (Taj) and Hilton Worldwide for the operation of its hotel units.

Taj Green Cove Resort & Spa, Kovalam

The iconic Vivanta by Taj (earlier Taj Green Cove) at Kovalam, is one of the internationally renowned Taj Hotels and also one of the jewels in Muthoot Pappachan Group Hospitality Crown. With epitomes of luxury such as these, it’s no wonder that its hospitality segment is counted amongst the blue bloods of South India. Rooms that open onto sandy beaches and lush greenery, hi-tech facilities that follow international standards, a fully-trained staff at beck-and-call; here’s all the luxury at your fingertips. It’s seafood restaurant, Bait was recently rated the best restaurant in Kerala. 

Novotel Kochi Infopark

Kochi, known as the Queen of the Arabian Sea for its rich mix of history, modernity, nature, art and culture is a popular travel destination among tourists. Muthoot Pappachan Group along with the Accor Hotels, launched Novotel Kochi Infopark. Situated in the heart of the IT Hub of Kochi, KakkanadInfopark, and Wonderla Kochi, Kerala’s largest state-of-the-art amusement park. As a growing IT hub and a travel destination, Kochi is an ideal location business and leisure travellers whether they are here to explore the city for a weekend getaway, family retreat or for business. Novotel Kochi Infopark is one of the first international midscale brands to debut in the industrial zone. The hotel offers the perfect blend of local and international art elements of the city. We look forward to working with our partners and ensuring our company’s continued growth in the hospitality segment and the best for all our customers in all the diverse & varied businesses.

Hilton Garden Inn, Trivandrum

Hilton Garden Inn Trivandrum strategically located in the city center; is near prime government institutions and commercial establishments, a 20-minute drive from the airport and 12 kilometers from the IT Technopark at Kazhakkottam. Owned by Muthoot Hotels & Infrastructure Ventures (P) Ltd. and managed by Hilton Worldwide, Hilton Garden Inn Trivandrum features 134 guest rooms and suites, Garden Grille all-day restaurant, a bar, outdoor swimming pool, Precor™ certified 24-hour fitness centre and 3,600 square feet of conference and events space that can accommodate up to 500 people.

Villa Maya : A fabled kitchen awaits you

Muthoot Pappachan Group’s Villa Maya, offers a unique culinary experience that is bound to leave you craving for more. Located in Trivandrum, Villa Maya, 5 star accredited restaurant, indulges in flavours from across the globe and allows you to soak in an environment of grace and tranquillity – perfect for an elegant and enchanting dining experience. At Villa Maya, you will discover the art of surrendering to the immediacy of your senses.

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Skychef : Culinary Delights in the Sky

After conquering the ground, how could the skies be far behind? That’s the point Muthoot Pappachan Group wished to make with the Muthoot Skychef. 

Located in Trivandrum, the Skychef is a state-of-the-art flight kitchen, covering an area of over 32,000 square feet. Uniquely designed to follow international specifications and equipped to conform to AEA and HACCP standards, the unit has the capacity to cater 3,600 meals per day. 

Muthoot Skychef serves a wide variety of airlines such as Air Indiaand Qatar Airways. Other clients include charters and VVIP flights transiting Trivandrum

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Real Estate & Infrastructure

Muthoot Pappachan Group Hotels and Infrastructure Ventures (P) Ltd is a progressive, new age real estate developer with its headquarters in Trivandrum, India. The Group is currently developing 6 hotels to be operated by international brands as well as commercial and residential spaces in various Indian cities. Keeping in line with its reputation for being an expert in a variety of fields, Muthoot Pappachan Group has also entered the housing sector. With a chain of major developments across the premium, mid-segment, budget and low cost sectors in Kerala and Tamil Nadu, Muthoot Pappachan Group has definitely made a mark in this area. The real estate division has also residential properties across cities in Kerala. The division also owns land banks in prime locations in various parts of the country. 

Muthoot Homez

Muthoot Homez delivers a wide portfolio, including  ready to move in luxury apartments with best in class amenities. Muthoot brings you top notch homes in Trivandrum that offer exclusivity, above all. These apartments are geared to deliver a comfortable lifestyle to those looking to celebrate their success, every day.

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Muthoot Commerz Capital

Muthoot Commerz Capital is a modern office space at one of the most sought after locations in

 Trivandrum city – Vazhuthacaud. It is located right opposite the Kerala Police HQ and has a super built up area of 48000 square feet, with 3 basements, and 9 floors. There are 3 lifts in total – 1 for service and 2 for passengers, with a lift lobby on each floor. The project also features ample parking space, a fire exit, AHU/electrical room/pantry space and toilet on each floor, and an open terrace.

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Muthoot Technopoliz

Muthoot Technopolis located in Kochi is one of the largest IT parks, which has made it an icon for the Ministry of Commerce, Government of India.

With a built-up area of 355,000 square feet, the park has been intricately designed by the renowned JURONG Infrastructure Ltd. This gives it the distinction of being the first such IT Park under the Public Private Partnership (PPP) model in a Special Economic Zone in India.

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Muthoot Estate Investments

Muthoot Estate Investments, a firm within the group is engaged in real estate and hospitality investments, with branches spread across Kerala. It aims to provide excellent customer service to its dedicated clientele.

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Muthoot Alternate Energy Resources

Muthoot Alternate Energy Resources

As one of the largest business houses in India, Muthoot Pappachan Group realizes that it has a commitment towards the environment and society as a whole, which led it to pioneer a whole new energy farming culture.

Wind energy being the most cost-effective resource in India today, Muthoot Pappachan Group had established wind farms in Tamil Nadu as early as 1993. Today, with its manifold farms, the total installed capacity in wind power is 25 mega watts with an investment of Rs.125 crores. Significantly, Muthoot Pappachan Group has put plans in place to double its wind power generation capacity. 

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IT Services

Muthoot Pappachan Technologies

Information Technology is transforming our world at a stunning pace. Simplifying life in several ways, IT has emerged as the fulcrum around which the whole world is rotating. Muthoot Pappachan Group has already made a foray into the exciting world of IT with Muthoot Pappachan Technologies Limited (MPT). Launched at Technopark in Trivandrum, the primary objective of the company is to provide cutting edge IT support to the Group companies. But as it builds on its expertise, the company wants to showcase its skills to the wider world, serving outside customers as well . Very soon , MPT will offer a wide portfolio of services in the IT space, hoping to emerge as a key player in this sector. With the right alliances and partnerships, the company intends to provide a variety of services including Data warehousing & Business Intelligence, Cloud solutions, Virtualization and Green Technologies. 

Wind energy being the most cost-effective resource in India today, Muthoot Pappachan Group had established wind farms in Tamil Nadu as early as 1993. Today, with its manifold farms, the total installed capacity in wind power is 25 mega watts with an investment of Rs.125 crores. Significantly, Muthoot Pappachan Group has put plans in place to double its wind power generation capacity.

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Security Services

MPG Security Group Pvt. Ltd.

Muthoot Pappachan Group Security Group Pvt. Ltd. , yet another professionally manged company from Muthoot Pappachan Group, provides cutting edge, innovative and cost-effective security consultancy, advisory and solutions to corporates in various sectors. Muthoot Pappachan Group Security Group is led by a Group of eminent professionals and former members of Police, Defence and Paramilitary Forces. Muthoot Pappachan Group Security Group has appointed DGP ranked officers retired from police as advisors and uses state-of-the-art technology for efficient and effective

operations. Muthoot Pappachan Group Security Group has a Surveillance Platform which ensures sensor agnostic monitoring for connecting range of sensors like vibration sensor, passive infrared sensor, door sensor and infrared cameras. The platform uses globally the latest in Technology domain – Artificial Intelligence (AI) capabilities, to pro-actively detect and draw the attention of control room executives and thereby reducing need of constant eyeballing of cameras. The major services offered by the company includes:

  •  Emergency response team (ERT) – a team of dedicated and trained Security personnel to respond to alarms generated by electronic surveillance systems and to conduct routine and random verifications of secured premises.
  •  Realtime Control & Surveillance Services (RCSS) – a multi-layered monitoring architecture which encompasses experienced field Security and Vigilance Officers to conduct security audits of sites that are subscribed to RCSS.
  • Background Verification Service – Offered to corporate clients who want to have the pre-employment verification for their employees.

Precious Metals

Precious Metals division is a newly formed vertical of the Muthoot Pappachan Group. It specialises in developing and marketing of precious metals related products and services.

The company's flagship products are:

eSwarna – Digital Gold

  • Buy Gold for as low as Rs.1
  • Instant conversion of cash into Gold
  • Enjoy hassle-free and secured storage at no additional cost
  • Buy and sell Gold instantly
  • Facility to transact online
  • Easily convert your Gold* into jewellery/coins


A unique product, allowing customers to purchase BIS hallmarked 916/999 pure gold jewellery of low ticket sizes (1 to 20 grams), in tamper proof packaging, in easy and affordable monthly payments- a first of its kind in India.

  • Hallmarked with 916/999 purity
  • Tamper proof packing
  • Attractive designs
  • Denominations ranging from 1 gm to 20 gm.


First of its kind, offering purchase of silver bars and hallmarked Silver article under spot and monthly payment basis.

  • 999 Silver Bars and BIS Hallmarked 925 Silver article
  • Outright purchase or purchase in 3 easy instalments
  • Available in Tamper Proof Packaging
  • Available through select Muthoot Fincorp branches
  • Delivery within 48 hours of receiving complete payment
  • Hallmarked with 916/999 purity
  • Tamper proof packing
  • Attractive designs
  • Denominations ranging from 1 gm to 20 gm.

Muthoot Gold Point

First National level organised sector that allows to sell your gold in a transparent and efficient manner.

  • Free testing of Gold
  • Multilevel Scientific testing
  • Full transparent Process
  • One of the best valuation for your used/new jewellery

Corporate gifting

Muthoot Exim has set a new benchmark in Corporate Gifting by providing world class products with genuine purity and efficient service.

  •  End to End logistic support to 500 plus locations pan India
  •  Certificate of Authenticity backs every gold and silver coins, jewellery or articles
  •  We guarantee timely delivery of products
  •  Customised packaging
  •  Buy – back of gold coin or gold/ jewellery at our Muthoot Gold Point centres

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