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Earnings Call

Muthoot Finance Earnings Call: Key Takeaways

Muthoot Finance reported record FY26 consolidated PAT of ₹10,607Cr, a 98% YoY increase. The company remains the dominant NBFC in India's gold loan market with 47% share.

Highlights
Revenue growthInterest income grew 54% YoY to ₹303,709 Mn.
MarginsConsolidated PAT margin improved significantly from 26% to 34%.
Demand visibilityStrong; gold loan market projected to reach ₹16 Lakh Cr.
Management confidenceHigh; citing 'sustained momentum' and 'strengthening the future'.

Growth

Consolidated AUM grew 49% YoY to ₹1.82 Tn. Consolidated PAT surged 98% YoY to ₹106,069 Mn.

Outlook

Projected FY26 organized gold loan market growth of 33-36%. Focused on pan-India expansion and digital 'Phygital' integration.

Risks

Competition from banks in the gold loan segment; concentration of 49% loan portfolio in South India.

Source

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

Read the document ↗

Muthoot Finance Ltd: key numbers

Share price
₹2,835.00
Market cap
₹1,13,816 Cr
Revenue (annual)
₹31,209 Cr
Net profit (annual)
₹10,590 Cr
P/E (TTM)
10.0×Sector 22.0×
Promoter holding
73.35%+0.00% QoQ
FII holding
11.61%Current quarter

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

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17:16 IST BSE
Other Announcement

Muthoot Finance Other Announcement

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16:53 IST NSE
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Muthoot Finance Debt & Borrowing

Muthoot Finance has disclosed the schedule of interest and principal payment obligations for its non-convertible securities due in Q3 FY 2026-27.

18:01 IST NSE
Acquisition

Muthoot Finance Acquisition Worth ₹31.8 Cr

Muthoot Finance will acquire additional shares in its subsidiary, Asia Asset Finance PLC, for a cash consideration of ₹31.80 Crore to bolster its capital base.

Value
₹31.80 Cr
15:03 IST NSE
Other Announcement

Muthoot Finance Other Announcement

Muthoot Finance announced the record date of 1 October 2026 for annual interest payment on its NCDs (ISIN INE414G07JR4), due 16 October 2026. This is a routine debt-servicing notice with no new capital event.

16:59 IST NSE
Debt & Borrowing

Muthoot Finance Debt & Borrowing

Muthoot Finance has fixed September 19, 2026, as the record date for the annual interest payment on its NCDs (ISIN: INE414G07JJ1).

17:09 IST BSE
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Muthoot Finance shareholders approved the re-appointment and appointment of several directors at the AGM held on August 31, 2026.