{"product_id":"muthootfinns-marketing-mix","title":"Muthoot Finance Limited (MUTHOOTFIN.NS): Marketing Mix Analysis","description":"\u003cp\u003eIn the dynamic landscape of financial services, Muthoot Finance Limited stands out with a meticulously crafted marketing mix that encompasses the essential 4Ps: Product, Place, Promotion, and Price. With a diverse range of offerings—from gold loans to wealth management—and a strategic presence that bridges urban and rural markets, Muthoot Finance adeptly navigates the complexities of customer needs. Their promotional strategies not only captivate but also educate, while transparent pricing ensures accessibility and trust. Curious about how these elements intertwine to create a robust financial ecosystem? Keep reading to unpack the intricacies of Muthoot Finance's approach!\u003c\/p\u003e\n\u003cbr\u003e\u003ch2\u003eMuthoot Finance Limited - Marketing Mix: Product\u003c\/h2\u003e\n\nMuthoot Finance Limited offers a diverse range of products designed to meet the financial needs of its customers. The company specializes in various lending and financial services, highlighted below.\n\n\u003ch3\u003eGold Loans as the Primary Offering\u003c\/h3\u003e\nMuthoot Finance is the largest gold loan provider in India. As of FY 2023, gold loans accounted for approximately 70% of the company's total assets. The company reported a gold loan portfolio of around ₹54,000 crore (approximately $7.3 billion) at the end of the fiscal year.\n\n\u003ch3\u003ePersonal and Housing Loans\u003c\/h3\u003e\nMuthoot Finance also provides personal and housing loans. The personal loan segment saw a growth of about 25% year-on-year, with disbursals reaching ₹4,500 crore (approximately $600 million) in FY 2023. The housing loan book was valued at ₹2,000 crore (approximately $270 million) as of March 2023, showing a steady increase in demand.\n\n\u003ch3\u003eMicrofinance Services\u003c\/h3\u003e\nThe company has ventured into microfinance, offering loans to small enterprises and low-income households. The microfinance segment contributed around ₹1,200 crore (approximately $160 million) in loan disbursals in FY 2023. The customer base in this segment has expanded to over 1 million borrowers.\n\n\u003ch3\u003eWealth Management Products\u003c\/h3\u003e\nMuthoot Finance provides wealth management services, including mutual fund investments, fixed deposits, and portfolio management. The total value of assets under management (AUM) in wealth management products reached approximately ₹3,000 crore (around $400 million) in 2023.\n\n\u003ch3\u003eInsurance Solutions\u003c\/h3\u003e\nThe company offers various insurance solutions, including life and health insurance policies, in partnership with leading insurance providers. As of FY 2023, the premium collected from insurance products stood at ₹800 crore (approximately $108 million).\n\n\u003ch3\u003eMoney Transfer Services\u003c\/h3\u003e\nIn the money transfer sector, Muthoot Finance has established a robust network facilitating both domestic and international remittances. The company processed approximately ₹6,000 crore (around $810 million) in money transfers in FY 2023.\n\n\u003ch3\u003eForex Services\u003c\/h3\u003e\nMuthoot Finance also provides Forex services, catering to customers' foreign exchange needs. The Forex revenue for the company was around ₹500 crore (approximately $68 million) in FY 2023.\n\n\u003ctable\u003e\n    \u003ctr\u003e\n        \u003cth\u003eProduct Type\u003c\/th\u003e\n        \u003cth\u003ePortfolio Value (₹ crore)\u003c\/th\u003e\n        \u003cth\u003eEstimated Portfolio Value ($ million)\u003c\/th\u003e\n        \u003cth\u003eYear-on-Year Growth (%)\u003c\/th\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eGold Loans\u003c\/td\u003e\n        \u003ctd\u003e54,000\u003c\/td\u003e\n        \u003ctd\u003e7,300\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003ePersonal Loans\u003c\/td\u003e\n        \u003ctd\u003e4,500\u003c\/td\u003e\n        \u003ctd\u003e600\u003c\/td\u003e\n        \u003ctd\u003e25\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eHousing Loans\u003c\/td\u003e\n        \u003ctd\u003e2,000\u003c\/td\u003e\n        \u003ctd\u003e270\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eMicrofinance\u003c\/td\u003e\n        \u003ctd\u003e1,200\u003c\/td\u003e\n        \u003ctd\u003e160\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eWealth Management\u003c\/td\u003e\n        \u003ctd\u003e3,000\u003c\/td\u003e\n        \u003ctd\u003e400\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eInsurance\u003c\/td\u003e\n        \u003ctd\u003e800\u003c\/td\u003e\n        \u003ctd\u003e108\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eMoney Transfer\u003c\/td\u003e\n        \u003ctd\u003e6,000\u003c\/td\u003e\n        \u003ctd\u003e810\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eForex Services\u003c\/td\u003e\n        \u003ctd\u003e500\u003c\/td\u003e\n        \u003ctd\u003e68\u003c\/td\u003e\n        \u003ctd\u003e-\u003c\/td\u003e\n    \u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003ch2\u003eMuthoot Finance Limited - Marketing Mix: Place\u003c\/h2\u003e\n\nMuthoot Finance Limited has established a robust distribution strategy designed to enhance accessibility and convenience for its customers across diverse geographical locations.\n\n\u003ch3\u003eExtensive branch network across India\u003c\/h3\u003e\nMuthoot Finance operates an extensive network of over 5,600 branches throughout India as of October 2023. This extensive branch presence enables the company to reach a large customer base, facilitating direct access to its financial products and services.\n\n\u003ch3\u003eStrong presence in urban and rural areas\u003c\/h3\u003e\nThe distribution strategy includes a balanced focus on both urban and rural segments. Approximately 50% of its branches are located in rural and semi-urban areas, catering to underserved populations. As of 2023, Muthoot Finance has a customer base of over 6 million in these sectors, demonstrating its commitment to financial inclusion.\n\n\u003ch3\u003eDigital presence through mobile app and website\u003c\/h3\u003e\nMuthoot Finance has invested significantly in digital channels. The Muthoot Finance mobile app, launched in 2021, has over 1.5 million downloads and supports services such as gold loans, fund transfers, and bill payments. The company’s website attracts an average of 2 million visitors per month, providing information and facilitating online transactions.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003ePlatform\u003c\/th\u003e\n    \u003cth\u003eDownloads\/Visitors\u003c\/th\u003e\n    \u003cth\u003eYear of Launch\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eMobile App\u003c\/td\u003e\n    \u003ctd\u003e1.5 Million Downloads\u003c\/td\u003e\n    \u003ctd\u003e2021\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eWebsite\u003c\/td\u003e\n    \u003ctd\u003e2 Million Monthly Visitors\u003c\/td\u003e\n    \u003ctd\u003eEstablished\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eBranches in select international markets\u003c\/h3\u003e\nMuthoot Finance has expanded its footprint internationally, with branches in countries such as the USA, UK, and the UAE. As of October 2023, it operates 5 branches outside India, strategically located to serve the Indian diaspora and foreign investors seeking gold financing options.\n\n\u003ch3\u003eCollaborations with local businesses for wider reach\u003c\/h3\u003e\nTo enhance its distribution capabilities, Muthoot Finance collaborates with local businesses, including jewelers and retailers. These partnerships have enabled the company to tap into local networks, increasing its reach. For instance, Muthoot Finance has partnered with over 1,000 local jewelers for promoting its gold loan services, resulting in a 20% increase in loan disbursements in these areas.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eCollaboration Type\u003c\/th\u003e\n    \u003cth\u003eNumber of Partnerships\u003c\/th\u003e\n    \u003cth\u003eImpact\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eLocal Jewelers\u003c\/td\u003e\n    \u003ctd\u003e1,000+\u003c\/td\u003e\n    \u003ctd\u003e20% Increase in Loan Disbursements\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eRetailers\u003c\/td\u003e\n    \u003ctd\u003e500+\u003c\/td\u003e\n    \u003ctd\u003eEnhanced Product Accessibility\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\nThese strategies employed by Muthoot Finance underline its commitment to making its services widely accessible, thereby enhancing customer convenience and satisfaction.\n\u003cbr\u003e\u003ch2\u003eMuthoot Finance Limited - Marketing Mix: Promotion\u003c\/h2\u003e\n\n\u003ch3\u003eAdvertising through TV, Print, and Online Media\u003c\/h3\u003e\nMuthoot Finance Limited has employed a multi-channel advertising strategy that utilizes television, print, and online platforms. In the financial year 2022-2023, the company spent approximately ₹130 crores on advertising. The advertisements have featured well-known personalities to enhance brand recognition.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eMedium\u003c\/th\u003e\n    \u003cth\u003ePercentage of Total Ad Spend\u003c\/th\u003e\n    \u003cth\u003eEstimated Cost (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eTelevision\u003c\/td\u003e\n    \u003ctd\u003e50%\u003c\/td\u003e\n    \u003ctd\u003e65\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003ePrint\u003c\/td\u003e\n    \u003ctd\u003e30%\u003c\/td\u003e\n    \u003ctd\u003e39\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eOnline\u003c\/td\u003e\n    \u003ctd\u003e20%\u003c\/td\u003e\n    \u003ctd\u003e26\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eSponsorships of Local Events and Activities\u003c\/h3\u003e\nMuthoot Finance has been involved in sponsoring various local events, focusing on community engagement. They allocated around ₹25 crores for sponsorships in 2023. This not only enhances brand visibility but also reinforces their commitment to community development.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eEvent Type\u003c\/th\u003e\n    \u003cth\u003eNumber of Events Sponsored\u003c\/th\u003e\n    \u003cth\u003eAmount Spent (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eCultural Festivals\u003c\/td\u003e\n    \u003ctd\u003e10\u003c\/td\u003e\n    \u003ctd\u003e10\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eSports Events\u003c\/td\u003e\n    \u003ctd\u003e15\u003c\/td\u003e\n    \u003ctd\u003e12\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eCommunity Development Programs\u003c\/td\u003e\n    \u003ctd\u003e5\u003c\/td\u003e\n    \u003ctd\u003e3\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eCustomer Referral Programs\u003c\/h3\u003e\nMuthoot Finance has implemented customer referral programs that offer incentives for existing customers who refer new clients. In 2023, they reported a 20% increase in new customer acquisitions attributed to this program, with an estimated cost of ₹5 crores for incentives.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eReferral Incentive\u003c\/th\u003e\n    \u003cth\u003ePercentage Increase in New Customers\u003c\/th\u003e\n    \u003cth\u003eTotal Cost (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eCashback\u003c\/td\u003e\n    \u003ctd\u003e10%\u003c\/td\u003e\n    \u003ctd\u003e2\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eDiscount on Services\u003c\/td\u003e\n    \u003ctd\u003e10%\u003c\/td\u003e\n    \u003ctd\u003e3\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eLoyalty Programs for Repeat Customers\u003c\/h3\u003e\nMuthoot Finance offers a loyalty program to reward repeat customers, which has seen a significant uptake. The program has contributed to a 15% increase in customer retention rates, with an estimated annual investment of ₹8 crores.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eLoyalty Benefit\u003c\/th\u003e\n    \u003cth\u003eCustomer Participation Rate\u003c\/th\u003e\n    \u003cth\u003eAnnual Cost (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eReward Points\u003c\/td\u003e\n    \u003ctd\u003e40%\u003c\/td\u003e\n    \u003ctd\u003e5\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eExclusive Offers\u003c\/td\u003e\n    \u003ctd\u003e35%\u003c\/td\u003e\n    \u003ctd\u003e3\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eEducational Campaigns on Financial Literacy\u003c\/h3\u003e\nRecognizing the importance of financial education, Muthoot Finance launched educational campaigns, investing approximately ₹10 crores in 2022-2023. These campaigns have reached over 1 million individuals, aiming to enhance financial literacy among the public.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eCampaign Type\u003c\/th\u003e\n    \u003cth\u003eAudience Reached\u003c\/th\u003e\n    \u003cth\u003eInvestment (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eWorkshops\u003c\/td\u003e\n    \u003ctd\u003e500,000\u003c\/td\u003e\n    \u003ctd\u003e5\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eOnline Webinars\u003c\/td\u003e\n    \u003ctd\u003e300,000\u003c\/td\u003e\n    \u003ctd\u003e3\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003ePrinted Educational Material\u003c\/td\u003e\n    \u003ctd\u003e200,000\u003c\/td\u003e\n    \u003ctd\u003e2\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\n\u003ch3\u003eSocial Media Engagement and Promotions\u003c\/h3\u003e\nMuthoot Finance is highly active on social media platforms, investing about ₹15 crores in digital marketing strategies in 2023. Their social media presence has garnered over 1.5 million followers across platforms, leading to increased engagement and brand loyalty.\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003ePlatform\u003c\/th\u003e\n    \u003cth\u003eFollowers\u003c\/th\u003e\n    \u003cth\u003eInvestment (in Crores)\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eFacebook\u003c\/td\u003e\n    \u003ctd\u003e800,000\u003c\/td\u003e\n    \u003ctd\u003e5\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eInstagram\u003c\/td\u003e\n    \u003ctd\u003e500,000\u003c\/td\u003e\n    \u003ctd\u003e4\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eTwitter\u003c\/td\u003e\n    \u003ctd\u003e200,000\u003c\/td\u003e\n    \u003ctd\u003e2\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003ch2\u003eMuthoot Finance Limited - Marketing Mix: Price\u003c\/h2\u003e\n\nMuthoot Finance Limited’s pricing strategy is designed to create competitive advantages in the financial services sector, particularly in gold loans, which is the core of its business.\n\n**Competitive Interest Rates on Loans**  \nMuthoot Finance offers competitive interest rates on gold loans. As of October 2023, the interest rates are approximately 10.75% to 12.00% per annum, depending on the loan amount and tenure. This competitive pricing positions Muthoot Finance favorably against other players in the market, such as Manappuram Finance, which offers rates around 11.00% to 12.25%.\n\n**Transparent Fee Structures**  \nMuthoot Finance operates under a transparent fee structure, minimizing hidden costs. The processing fee for gold loans is typically between 0.50% to 1.00% of the loan amount, which is clearly communicated to customers. This transparency helps in building customer trust and loyalty.\n\n**No Hidden Charges Policy**  \nAdhering to a ‘no hidden charges' policy, Muthoot Finance ensures that customers are fully aware of the fees before taking loans. For example, the processing fee mentioned above is the only upfront cost, with no additional fees like documentation or valuation charges, which are often found in competitor offerings.\n\n**Customizable Loan Tenure and Repayment Options**  \nMuthoot Finance provides flexible loan tenures ranging from 3 months to 36 months. Customers can choose to repay through EMIs or bullet payments. Below is a table summarizing the loan tenures and corresponding options:\n\n\u003ctable\u003e\n\u003ctr\u003e\n\u003cth\u003eLoan Amount (INR)\u003c\/th\u003e\n\u003cth\u003eTenure (Months)\u003c\/th\u003e\n\u003cth\u003eEMI (Approximate)\u003c\/th\u003e\n\u003cth\u003eTotal Amount Payable (Approximate)\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e50,000\u003c\/td\u003e\n\u003ctd\u003e6\u003c\/td\u003e\n\u003ctd\u003e8,775\u003c\/td\u003e\n\u003ctd\u003e52,650\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e100,000\u003c\/td\u003e\n\u003ctd\u003e12\u003c\/td\u003e\n\u003ctd\u003e9,212\u003c\/td\u003e\n\u003ctd\u003e110,544\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e150,000\u003c\/td\u003e\n\u003ctd\u003e18\u003c\/td\u003e\n\u003ctd\u003e8,299\u003c\/td\u003e\n\u003ctd\u003e149,385\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e200,000\u003c\/td\u003e\n\u003ctd\u003e24\u003c\/td\u003e\n\u003ctd\u003e6,706\u003c\/td\u003e\n\u003ctd\u003e160,944\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\n**Discounts and Offers for Loyal Customers**  \nMuthoot Finance has mechanisms in place to reward loyal customers. For example, loyal customers may receive interest rate discounts of up to 0.25% on subsequent loans after their first loan has been successfully repaid.\n\n**Flexible Pricing Models for Different Services**  \nMuthoot Finance employs flexible pricing models tailored for various services beyond gold loans. For instance, personal loans can vary widely based on creditworthiness and repayment history, with interest rates ranging from 13% to 15% per annum. The table below details the pricing structure for different services:\n\n\u003ctable\u003e\n\u003ctr\u003e\n\u003cth\u003eService Type\u003c\/th\u003e\n\u003cth\u003eInterest Rate (Per Annum)\u003c\/th\u003e\n\u003cth\u003eProcessing Fee\u003c\/th\u003e\n\u003cth\u003eLoan Tenure (Months)\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGold Loans\u003c\/td\u003e\n\u003ctd\u003e10.75% - 12.00%\u003c\/td\u003e\n\u003ctd\u003e0.50% - 1.00%\u003c\/td\u003e\n\u003ctd\u003e3 to 36\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonal Loans\u003c\/td\u003e\n\u003ctd\u003e13.00% - 15.00%\u003c\/td\u003e\n\u003ctd\u003e1.00% - 2.00%\u003c\/td\u003e\n\u003ctd\u003e12 to 60\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicrofinance Products\u003c\/td\u003e\n\u003ctd\u003e20.00% - 24.00%\u003c\/td\u003e\n\u003ctd\u003e1.00% - 2.50%\u003c\/td\u003e\n\u003ctd\u003e6 to 24\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHome Loans\u003c\/td\u003e\n\u003ctd\u003e8.50% - 10.50%\u003c\/td\u003e\n\u003ctd\u003e1.00% - 2.00%\u003c\/td\u003e\n\u003ctd\u003e120 to 240\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003cp\u003eIn conclusion, Muthoot Finance Limited exemplifies a well-rounded marketing mix that seamlessly integrates product offerings, strategic placement, impactful promotion, and competitive pricing. By focusing on a diverse range of financial services and maintaining an extensive network both online and offline, Muthoot captures a broad customer base while fostering loyalty through transparent pricing and engaging promotional strategies. This dynamic approach not only meets the varied needs of its clientele but also positions Muthoot Finance as a leading player in the financial sector, ready to adapt and thrive in an ever-evolving marketplace.\u003c\/p\u003e","brand":"dcf.fm","offers":[{"title":"Default Title","offer_id":45756406005909,"sku":"muthootfinns-marketing-mix","price":7.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0630\/5189\/0837\/files\/muthootfinns-marketing-mix.png?v=1739171926","url":"https:\/\/dcf-model.com\/fr\/products\/muthootfinns-marketing-mix","provider":"AI-Powered Discounted Cash Flow Model Templates","version":"1.0","type":"link"}