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(Abridged) A close scrutiny of the microlensing results towards the Magellanic clouds reveals that the stars within the Magellanic clouds are major contributors as lenses, and the contribution of MACHOs to dark matter is 0 to 5%. The principal results which lead to this conclusion are the following. (i) Out of the ~17 events detected so far towards the Magellanic Clouds, the lens locations have been determined for four events where the lenses are most likely within the Magellanic clouds. (ii) If caused by MACHOs, the event timescales would imply that the MACHOs in the direction of the LMC and the SMC have masses of the order of 0.5 and 2 solar masses, respectively. This is inconsistent with even the most flattened model of the Galaxy. If caused by stars within the Magellanic Clouds, the masses of the lenses are of the order of 0.2 solar mass for both the LMC as well as the SMC. (iii) The fact that the two observed binary events are caused by lenses within the Magellanic Clouds would suggest that there should be a total of ~20 events caused by lenses within the Magellanic Clouds. This implies that most of the microlensing events observed so far are probably caused by stars within the Magellanic Clouds. (iv) If the microlensing events are caused by MACHOs of 0.5 solar mass, ~15 events should have been detected by now towards the SMC, with timescales of ~40 days. The fact that both the events detected towards the SMC have been shown to be due to self-lensing places severe constraints on the MACHO contribution and suggests that the contribution of MACHOs to dark matter is consistent with zero, with an upper limit of 5%.

Microlensing towards the Magellanic Clouds: Nature of the lenses and implications on dark matter