Key Quantitative Figures

Consolidated Financial Performance (₹ in Million)

  • Consolidated Profit After Tax (PAT): ₹28,248 for Q1 FY2027, a 43% increase from ₹19,742 in Q1 FY2026.
  • Consolidated Loan AUM: ₹1,915,318 as of June 30, 2026, a 43% increase from ₹1,339,383 in June 2025.
  • Total Income: ₹86,948 for Q1 FY2027, a 34% increase from ₹64,657 in Q1 FY2026.
  • Finance Cost: ₹34,584 for Q1 FY2027, a 47% increase from ₹23,549 in Q1 FY2026.
  • Tax Expense: ₹9,723 for Q1 FY2027, a 43% increase from ₹6,798 in Q1 FY2026.
  • Earnings Per Share (Basic & Diluted): ₹69.72 for Q1 FY2027, a 39% increase from ₹50.22 in Q1 FY2026.

Standalone Financial Performance (Muthoot Finance Limited) (₹ in Million)

  • Standalone PAT: ₹25,505 for Q1 FY2027, a 25% increase from ₹20,463 in Q1 FY2026.
  • Standalone Loan AUM: ₹1,720,534 as of June 30, 2026, a 43% increase from ₹1,200,310 in June 2025.
  • Gold Loan AUM: ₹1,632,985 (44% YoY growth)
  • Other Loans: ₹87,549 (28% YoY growth)
  • Interest Income: ₹76,030 for Q1 FY2027, a 33% increase from ₹57,111 in Q1 FY2026.

Operational Metrics

  • Group Branch Network: 7,654 branches as of June 30, 2026, a 3% increase from 7,413 in June 2025.
  • Gold Loan Disbursement to New Customers: ₹8,937 crore to 482,707 customers in Q1 FY2027, a 41% YoY growth.
  • Quantity of Gold Held as Security: 197 tonnes as of June 30, 2026.
  • Active Customers: 6.58 million.
  • Daily Branch Visits: Over 200,000 customers.

Capital and Ratios

  • Net Worth: ₹38,973 crore.
  • Capital Adequacy Ratio: 20.30% (Tier-1: 19.39%).
  • Return on Equity: 26.60%.
  • Book Value per Share: ₹970.70.
  • Earnings per Share: ₹63.53.
  • Dividend per Equity Share: 300% at ₹30.

Asset Quality

  • Stage III Loan Assets: ₹39,265 million (2.28% of loan assets).
  • ECL Provision on Loan Assets: ₹17,649 million (1.03% of loan assets).
  • Excess Provision Outstanding: ₹2,954 million.
  • Bad Debts Written Off: ₹861 million in Q1 FY2027 (0.05% of loan assets).

Funding Profile (Standalone) (₹ in Million)

  • Secured Non-Convertible Debentures: ₹510,752 (34% of total borrowing).
  • External Commercial Bonds: ₹260,322 (17%).
  • Borrowings from Banks/FIs: ₹646,058.
  • Commercial Paper: ₹60,834 (4%).
  • Subordinated Debt: ₹4,500.
  • Other Loans: ₹9,149.
  • Total Borrowings: ₹1,491,606.

Credit Ratings

  • Domestic Long-Term Ratings: CRISIL AA+ (Stable), ICRA AA+ (Stable).
  • Domestic Short-Term Ratings: CRISIL A1+, ICRA A1+.
  • International Ratings: Moody's Ba1 (Stable), Fitch BB+ (Stable), S&P BB+ (Stable).

Subsidiary Performance Highlights (Q1 FY2027)

Muthoot Homefin (India) Limited (₹ in Million)

  • Loan AUM: ₹34,962
  • PAT: ₹42 (114% YoY growth)
  • Capital Adequacy Ratio: 29%

Muthoot Money Limited (₹ in Million)

  • Loan AUM: ₹108,966
  • PAT: ₹1,721 (366% YoY growth)
  • Number of Branches: 998

Muthoot Insurance Brokers Private Limited (₹ in Million)

  • Premium Collection: ₹703
  • PAT: ₹172 (61% YoY growth)
  • Policies Issued: 176,464

Asia Asset Finance PLC (LKR in Million)

  • Loan AUM: LKR 52,698
  • PAT: LKR 429 (137% YoY growth)
  • Number of Branches: 120

Belstar Microfinance Limited (₹ in Million)

  • Loan AUM: ₹78,422
  • PAT: ₹661 (improved from loss of ₹1,280 in Q1 FY2026)
  • Number of Branches: 1,331

Digital Infrastructure

  • iMuthoot App: 16.9 million downloads, 6.3 million registered users.
  • Digital Transactions: 5.1 million transactions in Q1 FY2027.
  • Digital Top-ups: 18% of gold loan top-ups initiated via app.
  • Digital Repayments: 26% of gold loan interest repayments via app.

Corporate Social Responsibility (FY2026)

  • CSR Expenditure: ₹1,143 million.
  • Beneficiaries: 33.7 lakh people touched.
  • Key Initiatives: Muthoot Aashiyana (housing), Muthoot Snehasraya (healthcare), Muthoot M. George Excellence Awards (education).

Market Position

  • Gold Loan Market Share: 47% among NBFCs (per CRISIL report, January 2026).
  • Household Gold in India: 34,600 tonnes.
  • Organized Gold Loan Market Size: Projected ₹16 lakh crore for FY2026.

Governance and Leadership

  • Promoter Shareholding: 73.35%.
  • Chairman: George Jacob Muthoot.
  • Managing Director: George Alexander Muthoot.
  • Board Includes: 7 whole-time directors and 7 independent directors.