The Muthoot Group

Established in 1887, The Muthoot Group has emerged as one of India’s largest financial group with business interests in 17 diverse fields. It has a network of more than 4500 branches and customer base of over 1000 million spread across the country enabling to serve 75000 customers every day, supported by employee strength of more than 25000. Celebrating 128 years of service to the customers, The Muthoot Group has evolved from being the provider of a single window service to a financial supermarket offering varied services to the public. The Group treasures the dynamism it has displayed over the years and cherish the trust that our customers have bestowed upon us. For more details on the group, please visit

Muthoot Homefin (India) Limited

As part of sustained efforts of The Group to emerge as a financial supermarket to cater to the needs of its’ diverse customers, it has made foray into the home finance space through Muthoot Homefin (India) Ltd (MHIL), registered with National Housing Bank. We offer competitive pricing and speedy decisions to create an edge in this segment. The large customer base of the Group is providing fillip to the operations of the housing loan vertical of the Group. Our endeavor is to extend housing finance to enable our customers to fulfill their dream to build/acquire a residential space of their own through the years of trust they have placed with us.

Vision, Mission and Values

The Muthoot Group has achieved leadership in various domains of financial services space it has entered. Through Muthoot Homefin (India) Ltd., the Group expects to sustain its leadership by positioning itself as a highly professional outfit dedicated to high standards of business excellence marked by integrity, fairness and transparency in all transactions and strict adherence to commitments.

Our Vision is to extend a helping hand to fulfill the dreams of people to possess a home of their own through speedy and hassle free processing and delivery of housing loans in a most competitive manner. We aim to provide opportunities for team work and professional growth for employees and optimal return on investment for shareholders and leverage on the goodwill and reputation of the MUTHOOT group created over decades.

Board of Directors

Mr. M.G. George Muthoot – Director

Graduate in engineering from Manipal University and businessman by professiono National Executive Committee Member of FICCI and current chairman of FICCI-Kerala State Council.Conferred the Mahatma Gandhi National Award for social service for year 2001 by the Mahatma Gandhi National Foundation.Presently he is the lay trustee of the Malankara Orthodox Syrian Church and has been member of the Managing Committee of Malankara Orthodox Syrian Church for over 32 years which has more than 2.5 million members.He was conferred with ‘Asian Business Man of the year 2011’ from UK-Kerala Business Forum and also with Business Leadership Award for the year 2012 at Golden Peacock Awards, Bengaluru. Active member of various social organisations including the Delhi Malayalee Association, Kerala Club, Rotary Club, National Sports Club and has been chosen for several awards by the Rotary International and the Y’s Mens International for community development and social service.

Mr. George Alexander Muthoot - Director

Chartered Accountant who qualified with first rank in Kerala and ranked 20th overall in India in 1978. Has a bachelor degree in Commerce from Kerala University where he was a rank holder and gold medalist. Served as Chairman of Kerala Non Banking Finance Companies Welfare Association from 2004 – 2007 and is currently its Vice Chairman.Member Secretary of Finance Companies Association, Chennai. Founder member of the Indus Entrepreneurs International, Kochi Chapter and is now a member of the Core Committee of the Indus Entrepreneurs International, Kochi Chapter. He was conferred with the ‘CA Business Leader Award 2013’ under financial services sector from Institute of Chartered Accountants of India.

Mr. George Thomas Muthoot – Director

A banker with over 32 years of experience in managing business operations in the field of financial services, George Thomas Muthoot’s insights have played a pivotal role in the Group’s dramatic growth and profitability. As the Director of the Companyhe brings to the table vast experience and expertise in managing and operating businesses in the field of financial services. Presently he is the member of Rotary International and a lifetime member of YMCA.

Mr. Eapen Alexander Muthoot - Whole Time Director

Currently heading the Western India region of The Muthoot Group, Eapen Alexander Muthoot plans to expand and leverage the company’s presence in the Western Regions of India through his strong acumen in the field of financial services.Prior to joining Muthoot, Eapen worked at ICRA Ltd, a leading credit rating agency in India.Eapen holds an MBA from the Fuqua School of Business at Duke University, USA., an MSc. in International Political Economy from the London School of Economics, UK and a B.A Economics (Honours) degree from St. Xavier’s College, Mumbai University.

Mr. K. R. Bijimon – Director

Started his career as a Senior Manager (Finance) with Muthoot Bankers in the year 1996. During 19 years of his service he led the transformation of Muthoot Bankers to the present day Muthoot Finance Ltd and over the years he rose to the position of Chief General Manager in the company. Under his leadership, the company grew manifold and today has become the largest lender of Gold Loans in the country and perhaps the largest in the world too. As a Chief General Manager, he is also responsible for driving growth across the diversified business portfolios of the Group such as International Remittance & Foreign Exchange and is also responsible for expansion of business globally. Muthoot Group today has a global presence with successful businesses in countries like USA, UK, UAE, Malaysia, Hong Kong and Sri Lanka.
Also assumes the role of Chief Operating Officer and manages the Global Operations Division of the Muthoot Group. Presently, he also holds Directorship in companies like Muthoot Forex Ltd, Muthoot Securities Ltd, Muthoot Commodities Ltd, Muthoot Homefin (India) Ltd and Asia Asset Finance PLC (Sri Lanka). Bijimon holds a Bachelor’s Degree in Law (LLB), a Bachelor’s Degree in Science (BSc) and a Master’s Degree in Business Administration (MBA). He is also a Fellow Member of the Institute of Chartered Accountants of India, a Certified Associate of the Indian Institute of Bankers (CAIIB) and a Fellow Member of Certified Management Accountants (FCMA), Institute of Sri Lanka.

Mr. K George John – Independent Director

Post graduate in Mathematical Statistics. He joined Lintas India as a Media Planner in 1969. He handled some of Hindustan Lever’s most important and successful brand launches including Liril, Close-Up and Fair & Lovely. After 10 years at Lintas, he took over the management of Ulka Advertising (now FCB- Ulka). He turned the company around in less than a year and Ulka went on to become the 4th Honda Motorcycles “FILL IT”. SHUT IT”, FORGET IT” made it is the world’s largest selling motorcycle. In 1988, Mr George founded Anthem Communications Pvt Ltd in Delhi which was rated India’s fastest growing agency thrice by A&M Magazine In 1997, Anthem became the youngest Agency among the top ten in India with 8 offices and 350 employees spread across the country. In 1998, Anthem was invited to join TBWA/WORLDWIDE, part of Omnicom Group, the world’s No 1 Communication company as 50:50 JV partner. TBWA is a Global Agency with 228 offices in 98 countries. In an Imnicom Global communication in 2007, TBWA/Anthem was rated one of Omnicom’s best partners worldwide, a unique distinction for an india- born agency. At TBWA, Mr George helped launch the entire range of Sony Products in India as well as key launches and Brand Campaigns for Yamaha Motorcycles. , Adidas, Samsonite, Pedigree, Bajaj Allianz, Standard Chartered Bank, Geojit BP Paribas, Malayala Manorama, Michelin Tyres, Henkel, Nivea, Apple and Electrolux. In addition to the position of Chairman & Managing Director of TBWA india, Mr George also helped set up TBWA/offices in Sri Lanka and Bangladesh. After 40 years in Advertising , during which time he created two successful national advertising agencies and rebuilt Ulka, Mr George retired in September 2008 when he sold jis entire stake in TBWA Anthem to the parent company, Omnicom. George lives in scenic Edakochi now with his wife for 40 years, Minu and youngest son, Kithu. Their daughter, Susan, lives with her husband and two sons in Delhi, while their elder son, John lives in New York with his wife and daughter.

Mr. Jose Kurian – Independent Director

Mr. Jose Kurian has 47 years of rich experience in Construction Project Management and Administration.He completed his M. Tech. in Structural Engineering from Indian Institute of Technology, Delhi.He has been awarded Best paper awards from Indian Building Congress, Indian Roads Congress, Indian Concrete Institute along with The CIDC Viswakarma Award 2011 for Public Officer.Mr. Jose Kurian is the Immediate Past President of Indian Concrete Institute and currently a Member of Indian Roads Congress, Indian Building Congress and the Governing Council of Indian Association of Structural Engineers.


Senior Management

Mr. Ramratthinam S – Chief Executive Officer

Ramratthinam has over 25 + years of experience in the retail lending industry and has exposure to all secured and unsecured lending. He has handled the functions of Sales, Credit, Operations, Risk and Treasury in his earlier work assignments. He has worked with Companies like Sundaram Finance ,Citicorp Finance, Centurion Bank of Punjab and he was the Chief Risk Officer at Dewan Housing Finance Corporation Limited, prior to joining Muthoot Homefin Limited.He has participated in various forums, panel discussions conducted by NAREDCO, NHB, World Bank IFC etc both locally and internationally in pushing the agenda of housing reforms, particularly in India.

Mr. Ashish Ranka - Chief Financial Officer

Ashish Ranka is a Chartered Accountant by qualification. He brings with him an expertise of Finance & Accounts, Taxation, Compliance, Treasury Management, Fund Raising and Business Strategy. Before joining Muthoot Homefin (I) Ltd, he was with L&T Finance Holdings Ltd and India Infoline Ltd. He is working as CFO and looks after Finance, Accounts and Fund Raising.

Mr. Anil Jain – Head – Credit and Risk Management.

Anil Jain, a Chartered Accountant by qualification, brings in 16 years of work experience in diversified fields of Credit, Operations, Risk Management, Accounts & Finance and Real Estate Advisory in the mortgage industry.He joined the company in September 2015. Before joining the company, he worked with ICICI HFC, Deutsche Postbank HFC, Real Estate advisory and portal company

Mr. Rahul Jagtap – Head – Legal

Rahul is an LLB by qualification. He has completed his Law in the year 1999 from Sir L A Shah Law College of Ahmedabad. He has a Bachelor’s Degree in Commerce from Gujarat University and completed PGDM programme from The Indian Management Academy.He has a rich experience of 17 years in Legal field both in the business as well as the litigation side.He joined the company in March 2016. He started his career with Tata Finance Ltd and worked with HDFC Bank ltd for almost 10 years before joining MHIL. In his previous assignment, He was handling West Zone in HDFC Bank Ltd for Retail Assets Legal & Collection portfolio.

Mr. Mangesh Amdekar – Head – Technical

Mangesh joined the company in November 2015. He is a Civil Engineering Professional from Pune University and Diploma Holder in Human Resource & Finance Management from L. N. Welingkar Institute, Mumbai is also a Member of Indian Institution of Valuers.He was Head of Technical at Aadhar Housing Finance Limited before taking up the MHIL responsibility.Mangesh brings in over 13 years of Real Estate Appraisal & Valuation experience. He has worked in the similar profiles earlier into ICICI HFC, Kotak Mahindra Bank Ltd., DHFL & Aadhar Housing Finance ltd.

Mrs. Jinu Mathen – Company Secretary

Jinu Mathen, an Associate Member of the Institute of Company Secretaries of India (ICSI), is a Commerce Graduate, and holds a Master’s Degree in Business Administration from Sikkim Manipal University. Prior to joining Muthoot Homefin in December 2014, she started her secretarial profession at M/s. SVJS & Associates, a top-notch practising firm of Company Secretaries, having its headquarters in Kochi and operating across the country. She was part of the core team of proficient corporate professionals, handling compliances and audits at various levels including Corporate laws, Finance laws, Regulatory compliances etc.

Mr. Prasad Bendre – Head – Operations & Collections

Prasad Bendre is B.Com graduate and has done Diploma in Financial Management and Business Administration. He has done Management Development Programme from IIM (A). He possesses over 22 years of experience in Operations, Credit and Collections. Before joining Muthoot Homefin (I) Ltd, he was with Manappurram Home Finance, DHFL and IDBI Home Finance. He is working as Head – Operations & Collections.

Mr. Hrishikesh Gandhi – Head – Human Resources

Hrishikesh is associated as HR Partner, he manages the HR & Admin function. He brings along with him a rich experience of 12 years in HR. His last association was with DHFL for over 5 years, he has also worked for companies like HDFC Bank, CBOP and Emkay. He is a full time MBA in HR & Marketing. 

Mrs. Mehjabeen Taj Aalam – Head Information Technology

Mehjabeen Taj Aalam, a MBA in Systems from Narsee Monjee Institute of Management Studies, Mumbai, and a Gold medalist and University topper in M.A. – Economics, brings in over 10 years of valuable experience in managing Information Technology in complex IT landscapes. She has been involved in a wide variety of system implementations and large scale projects across verticals, scale and technology platforms, IT infrastructure development and digital initiatives in the financial services and manufacturing sector. Mehjabeen in her current role is responsible for the overall IT strategy of the company and its execution. Prior to joining Muthoot Homefin (I) Ltd, she worked with Fullerton India Credit Co. and Mahindra & Mahindra.

Mr. Deepu Thankachan – Head – Internal Audit

Deepu Thankachan joined Muthoot Homefin in July 2017 as Head – Internal Audit. He was associated with Muthoot Finance since February 2010 with an experience of more than 7 years. He holds Master degree in Commerce and a full time MBA in Finance & Marketing.