Date: August 01, 2026

Performance Highlights for Q1 FY27

Consolidated Performance

  • Consolidated Loan AUM: ₹1,91,532 crores, up 43% YoY (from ₹1,33,938 crores in Q1 FY26)
  • Consolidated Profit After Tax: ₹2,825 crores, up 43% YoY (from ₹1,974 crores in Q1 FY26)
  • Consolidated Gold Loan AUM: ₹1,75,527 crores, up 48% YoY
  • QoQ Consolidated Loan AUM growth: 5% (from ₹1,81,916 crores in Q4 FY26)
  • QoQ Consolidated PAT decline: 17% (from ₹3,397 crores in Q4 FY26)

Standalone Performance (Muthoot Finance Ltd)

  • Standalone Loan AUM: ₹1,72,053 crores, up 43% YoY (from ₹1,20,031 crores in Q1 FY26)
  • Standalone Profit After Tax: ₹2,550 crores, up 25% YoY (from ₹2,046 crores in Q1 FY26)
  • Standalone Gold Loan AUM: ₹1,63,298 crores, up 44% YoY
  • Average Gold Loan AUM Per Branch: ₹32.47 crores
  • Gold Loan Disbursement to New Customers: ₹8,937 crores to 4,82,707 customers

Key Financial Metrics (Standalone)

| Metric | Q1 FY27 | Q4 FY26 | Q1 FY26 |

| Total Income | ₹7,603 crores | ₹8,194 crores | ₹5,711 crores |

| Profit Before Tax | ₹3,423 crores | ₹4,167 crores | ₹2,745 crores |

| Earnings Per Share (Basic) | ₹63.53 | ₹76.88 | ₹50.97 |

| Return on Average Loan Assets | 6.09% | 7.95% | 7.16% |

| Return on Average Equity | 26.60% | 30.63% | 28.28% |

| Book Value Per Share | ₹970.70 | ₹940.05 | ₹733.64 |

| Capital Adequacy Ratio | 20.30% | 20.75% | 21.96% |

| Share Capital & Reserves | ₹38,973 crores | ₹37,742 crores | ₹29,457 crores |

Business Highlights (Standalone)

  • Gold Loan Outstanding: ₹1,63,298 crores
  • Credit Losses: ₹86.08 crores (0.05% of Gross Loan AUM)
  • Number of Loan Accounts: 109 lakh
  • Total Weight of Gold Jewellery pledged: 197 tonnes
  • Average Loan Ticket Size: ₹1,49,815
  • Number of employees: 31,617
  • Number of branches: 5,029 (1.2% growth YoY)

Subsidiaries Performance

Muthoot Homefin (India) Ltd

  • Loan AUM: ₹3,496 crores, up 13% YoY
  • Total Revenue: ₹110 crores, up 11% YoY
  • Profit After Tax: ₹4 crores, up 114% YoY
  • Stage III Loan Assets: 2.52%
  • Disbursed loans: ₹154 crores in Q1 FY27
  • Interest income: ₹101 crores, up 17% YoY

Belstar Microfinance Limited

  • Loan AUM: ₹7,842 crores, up 2% YoY
  • Total Revenue: ₹452 crores, up 9% YoY
  • Profit After Tax: ₹66 crores (turnaround from loss of ₹128 crores in Q1 FY26)
  • Stage III Loan Assets: 2.85% (improved from 4.44% last year)
  • Collection Efficiency: 99.57% (improved from 98.60%)
  • Opened 45 gold loan branches in Q1 FY27
  • Total branches: 1,331

Muthoot Money Ltd

  • Loan AUM: ₹10,550 crores, up 111% YoY
  • Total Revenue: ₹511 crores, up 139% YoY
  • Profit After Tax: ₹172 crores, up 366% YoY
  • GNPA: 0.67% (improved from 0.96%)
  • QoQ Loan AUM growth: 8% (₹756 crores)

Asia Asset Finance PLC, Sri Lanka

  • Loan AUM: LKR 5,270 crores, up 51% YoY
  • Total Revenue: LKR 357 crores, up 72% YoY
  • Profit After Tax: LKR 43 crores, up 137% YoY
  • Exchange rate: LKR 0.280800/INR

Muthoot Insurance Brokers Pvt. Limited

  • Total Premium Collection: ₹70 crores
  • Total Revenue: ₹28 crores
  • Profit After Tax: ₹17 crores
  • Insured more than 166,000 lives with first-year premium collection of ₹43 crores

Group Expansion and Recognition

  • Opened 86 new branches by the Group in Q1 FY27
  • Total Group Branch Network: 7,654 branches
  • Muthoot Finance honored with "Best Non-Banking Financial Company" award at Financial Express India Best Bank Awards
  • Award presented by Shri Piyush Goyal, Hon'ble Minister of Commerce & Industry to Shri Eapen Alexander Muthoot, Executive Director

Management Commentary

Mr. George Jacob Muthoot, Chairman: "Muthoot Finance has begun FY27 with a strong footing with our Consolidated Loan Assets Under Management reaching highest ever level of ₹1,91,532 crores. It reflects a robust growth of 43% YoY... Consolidated Profit after Tax grew by 43% year-on-year to ₹2,825 crores, driven by the continued strength of our core gold loan business."

Mr. George Alexander Muthoot, Managing Director: "We had an impressive start to the year with our Standalone Loan Assets Under Management reaching a historic high of ₹1,72,053 crores, driven by robust 44% YoY growth in gold loan... Our Standalone Profit after Tax for Q1 FY27 grew by 25% YoY to ₹2,550 crores."

Contribution Analysis

  • Muthoot Finance Ltd contribution to Consolidated Gross Loan Assets: ₹1,68,163 crores (88% of total)
  • Subsidiaries contribution to Consolidated Gross Loan Assets: ₹23,369 crores (12% of total)
  • Muthoot Finance Ltd contribution to Consolidated Profit: ₹2,484 crores
  • Subsidiaries contribution to Consolidated Profit: ₹341 crores