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Earnings Call

Muthoot Capital Services Earnings Call: Key Takeaways

Muthoot Capital Q4 FY'26 transcript highlights AUM growth to ₹3,441 crores despite retail lending headwinds and transition to a multi-product digital-first entity.

Highlights
MarginsBlended yield rose to 21.02% due to higher MCSL portfolio share.
Order bookDisbursement target of ₹3,000 crore for coming year.
Demand visibilityOptimistic on India's mobility financing and recovery in rural demand.
Management confidenceHigh confidence in digital revamp and 100% pre-delinquency AI calling.

Growth

AUM grew from ₹2,000cr to ₹3,500cr in 2 years; CV book jumped to ₹240cr; Used Car book reached ₹155cr.

Outlook

Targeting ₹3,000cr disbursement next year; long-term AUM goal of ₹10,000cr by 2028-29 with 2-2.5% pretax ROA.

Risks

Stress in MFI spillover to retail; asset quality pressure in unsecured segments; corporate loan (Up Money) became NPA.

Source

Earnings Call filed with BSE, NSE: MUTHOOTCAP. Summary written with AI assistance from the document.

Read the document ↗

Muthoot Capital Services Ltd: key numbers

Share price
₹226.16
Market cap
₹378.1 Cr
Revenue (annual)
₹620.5 Cr
Net profit (annual)
₹11.17 Cr
P/E (TTM)
15.8×Sector 22.0×
Promoter holding
63.33%+0.00% QoQ
FII holding
1.25%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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11:54 IST BSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing: ₹0.79 Cr

Muthoot Capital Services paid Rs. 0.79 Crore monthly interest on its listed NCDs. Payment was made on 23 September 2026.

Value
₹0.79 Cr
13:00 IST BSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing: ₹1.01 Cr

Muthoot Capital Services confirmed payment of ₹1.01 Crore monthly interest on its ₹125 Crore NCD. The Reg 57(1) payment was made on 22 September 2026.

Value
₹1.01 Cr
12:40 IST BSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing

Muthoot Capital Services allotted non-convertible debt securities on 23-Sep-2026 under a forfeited-share reissue and fund-raise. No issue price or investor count was disclosed.

12:01 IST BSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing: ₹1.06 Cr

Muthoot Capital Services confirmed ₹1.06 Crore monthly interest payment on ₹125 Crore NCDs. Payment was made on 21.09.2026 as per SEBI LODR Reg 57(1).

Value
₹1.06 Cr
17:14 IST BSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing: ₹0.42 Cr

Muthoot Capital Services Limited confirms the payment of interest on non-convertible debentures (ISIN: INE296G07143) totaling ₹0.42 Crore.

Value
₹0.42 Cr
17:40 IST NSE
Debt & Borrowing

Muthoot Capital Services Debt & Borrowing: ₹2.08 Cr

Muthoot Capital Services confirmed the partial redemption of green bonds, with an amount of ₹2.08 Crore paid to bondholders. This fulfills a regulatory disclosure requirement.

Value
₹2.08 Cr