| Revenue growth | AUM +25% YoY to ₹3,500 Cr; no revenue figure stated. |
|---|---|
| Margins | NII ₹94.46 Cr incl. ~₹14 Cr DA upfront; blended yield up 2pp. |
| Demand visibility | Industry 2W/CV growth strong; Oct retail down 32% YoY. |
| Management confidence | Balanced-to-optimistic; cautious on NII lag and cost of funds. |
Growth
AUM +25% YoY. NII ₹94.46 Cr includes ~₹14 Cr one-time DA upfront fee, so underlying is ~₹80 Cr.
Outlook
AUM targeted ~₹4,200 Cr by FY27 end. Bank cost of funds expected to fall a further 25-30bp.
Risks
NII lags AUM growth; Oct industry retail down 32% YoY; CV and used-car still cash-burning; GNPA 4.61%.
Last quarter's promises, checked
Partly delivered
- AUM ₹4,000–4,200 Cr by FY27 end → ₹3,500 Cr at Q2, target still open (= PARTIAL)
- Further 40–50bp cost-of-funds cut on upcoming deals → now guided 25–30bp further, not yet realised (= PARTIAL)
Missed
- Retail GNPA sub-4% through FY27 → overall GNPA 4.61% (up from 3.94%; retail split not disclosed) (= MISS)
Earnings Call Transcript filed with NSE, NSE: MUTHOOTCAP. Summary written with AI assistance from the document.
Muthoot Capital Services Ltd: key numbers
- Share price
- ₹195.03
- Market cap
- ₹326.0 Cr
- Revenue (annual)
- ₹620.5 Cr
- Net profit (annual)
- ₹11.17 Cr
- P/E (TTM)
- 12.8×Sector 20.6×
- 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 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
Muthoot Capital Services Debt & Borrowing: ₹0.22 Cr
Muthoot Capital Services confirmed monthly interest payment of ₹0.22 Crore on NCDs under Reg 57(1). The underlying NCD issue size is ₹25 Crore.
- Value
- ₹0.22 Cr
Muthoot Capital Services Debt & Borrowing: ₹25 Cr
Muthoot Capital Services fully redeemed its Series 05/2024-25 NCDs on 29 October 2026, paying Rs 25.00 Crore on final redemption. Interest was paid on the same date.
- Value
- ₹25.00 Cr