ALFA Finder| 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
- ₹201.62
- Market cap
- ₹337.0 Cr
- Revenue (annual)
- ₹620.5 Cr
- Net profit (annual)
- ₹11.17 Cr
- P/E (TTM)
- 13.2×Sector 20.8×
- Promoter holding
- 63.33%+0.00% QoQ
- FII holding
- 1.24%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Muthoot Capital Services Ltd
All →Muthoot Capital Services Debt & Borrowing: ₹0.25 Cr
Muthoot Capital Services paid Rs.0.25 Crore monthly interest on its Rs.100 Crore secured NCD series MCSL-03/2025-26 on 8 November 2026. The payment confirms routine servicing of listed debt.
- Value
- ₹0.25 Cr
Muthoot Capital Services Earnings Call Transcript: Key Takeaways
Q2 FY27 AUM rose 25% YoY to ₹3,500 Cr, and NII jumped on a one-time DA upfront fee. Forward flow fell to 0.50% and GNPA is 4.61%. Net profit was not stated.
Muthoot Capital Services Investor Presentation: Key Takeaways
Q2 FY27 AUM ₹3,530 Cr (+4.5% QoQ); retail book ₹3,086 Cr (+25% YoY); GNPA up to 4.81% from 3.94% QoQ; borrowing cost below 10%.
Muthoot Capital Services Other Announcement
Muthoot Capital Services filed its quarterly Regulation 52(7) statement for NCD issue proceeds, showing ₹250 Crore raised and fully utilised for on-lending. It reports no deviation or variation from the stated objects.
Muthoot Capital Services Q2 FY27 Results: Net Profit ₹4.4 Cr, Up 57.1% YoY
Muthoot Capital Services Ltd reported revenue from operations of ₹175.4 Cr (+14.3% YoY) and net profit of ₹4.4 Cr (+57.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹4.4 Cr · +57.1% YoY
Muthoot Capital Services Debt & Borrowing: ₹0.12 Cr
Muthoot Capital Services paid Rs.0.12 Crore interest on its secured NCDs (Series MCSL-08/2024-25) on the due date of 2 November 2026. Monthly interest is 10.4% on a Rs.110 Crore issue.
- Value
- ₹0.12 Cr