| Margins | Portfolio yield stable at 20.80%. Overall borrowing cost reduced to 10.31%. |
|---|---|
| Demand visibility | Focus on Two-Wheeler, CV, and Used Car loans. |
Growth
Retail portfolio grew 23% YoY to ₹2,851 Cr. Overall GNPA improved significantly, dropping 182 bps YoY to 3.94%.
Outlook
AUM crossed ₹3,000 Cr in 2025; public deposit portfolio surpassed ₹100 Cr milestone in July 2026.
Risks
Co-lending portfolio saw a 44% YoY decline. High GNPA concentration in North India at 6.5%.
Last quarter's promises, checked
Delivered
- Guided cross INR 100 Cr public deposits by March 2026 → delivered INR 100 Cr milestone by July 2026 (= BEAT)
- Guided AUM exit of INR 3,000 Cr for 2025 → delivered INR 3,399 Cr (= BEAT)
- Guided shift to 95% own business sourcing → delivered 95% own business disbursements (= BEAT)
Partly delivered
- Guided GNPA improvement from 5.93% → delivered 3.94% (= PARTIAL)
Missed
- Guided AUM growth of 30-35% → delivered 19% (INR 2,832 Cr to 3,379 Cr) (= MISS)
- Guided Q4 disbursement restriction to INR 600 Cr → delivered total portfolio decline to INR 3,379 Cr (= MISS)
Earnings Call filed with NSE, NSE: MUTHOOTCAP. Summary written with AI assistance from 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.
More from Muthoot Capital Services Ltd
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- Value
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