Muthoot Microfin presented its Vision 30/30 strategy to build a ₹30k crore retail franchise by 2030, shifting from microfinance to secured, high-value lending.
Q4 FY26 AUM grew 13.3% YoY to ₹1,40,056 Mn with improved asset quality; credit cost reduced to 2.8% and collection efficiency reached 99.82%.
The company is diversifying into MSME, gold, and property-backed loans, with these segments now comprising 17% of the portfolio from 0.1% previously.
Strong funding access with ₹95,374 Mn borrowings in FY26 and a target to increase NCD+ECB contribution to 40% by 2030 from current 22%.