Summary of Key Information:

Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026

Nature of Filing / Announcement: Outcome of Board Meeting and Financial Results

Audit Opinion:

Limited Review Report - Clean opinion with Emphasis of Matter regarding amalgamation scheme

Auditor’s Comment:

Joint Statutory Auditors issued limited review reports for both standalone and consolidated financial results. Emphasis of Matter drawn regarding the Scheme of Amalgamation of Muthoot Money Limited with the Company, which is subject to NCLT, RBI, shareholder, and creditor approvals.

Key Financial Highlights [Rs. in Millions]:

Standalone Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: ₹88,343.48
  • Interest Income: ₹87,296.66 (up 21.37% YoY)
  • Dividend Income: ₹447.03
  • Net gain on fair value changes: ₹15.40
  • Sale of services: ₹563.02
  • Service charges: Not specified
  • Total Income: ₹88,419.22
  • Finance Costs: ₹33,646.38
  • Impairment on financial instruments: ₹5,149.23
  • Employee Benefits Expenses: ₹5,513.33
  • Profit Before Tax: ₹39,925.22
  • Tax Expense: ₹10,158.93
  • Current Tax: ₹10,050.38
  • Deferred Tax: ₹108.55
  • Net Profit: ₹29,766.29 (up 27% YoY)
  • EPS: ₹74.14 (Basic and Diluted)

Half Year ended September 30, 2026:

  • Revenue from Operations: ₹1,623,556.45
  • Total Income: ₹1,644,449.70
  • Profit Before Tax: ₹74,155.21
  • Net Profit: ₹55,271.05
  • EPS: ₹137.67 (Basic and Diluted)

Balance Sheet (Standalone) as at September 30, 2026:

  • Cash and Cash Equivalents: ₹135,367.07
  • Loans: ₹1,899,657.01
  • Investments: ₹44,500.79
  • Total Assets: ₹2,106,470.99
  • Debt Securities: ₹553,934.55
  • Borrowings (other than debt securities): ₹1,079,372.83
  • Subordinated Liabilities: ₹4,484.73
  • Total Debt: ₹1,637,792.11
  • Equity Share Capital: ₹4,014.68
  • Other Equity: ₹416,139.10
  • Net Worth: ₹420,153.78

Consolidated Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: ₹99,977.69
  • Interest Income: ₹98,557.64
  • Net gain on fair value changes: ₹446.39
  • Sale of services: ₹15.39
  • Service charges: ₹958.27
  • Total Income: ₹100,107.83
  • Finance Costs: ₹37,165.87
  • Impairment on financial instruments: ₹5,933.36
  • Employee Benefits Expenses: ₹7,608.63
  • Profit Before Tax: ₹43,990.38
  • Net Profit: ₹32,780.02
  • Attributable to owners: ₹32,465.28
  • Non-controlling interest: ₹314.74
  • EPS: ₹80.87 (Basic and Diluted)

Half Year ended September 30, 2026:

  • Revenue from Operations: ₹186,693.71
  • Total Income: ₹187,055.99
  • Profit Before Tax: ₹81,961.67
  • Net Profit: ₹61,028.42
  • Attributable to owners: ₹60,455.97
  • Non-controlling interest: ₹572.45
  • EPS: ₹150.59 (Basic and Diluted)

Balance Sheet (Consolidated) as at September 30, 2026:

  • Cash and Cash Equivalents: ₹145,649.20
  • Loans: ₹2,104,801.55
  • Total Assets: ₹2,300,509.46
  • Debt Securities: ₹561,630.78
  • Borrowings (other than debt securities): ₹1,223,223.29
  • Deposits: ₹10,301.76
  • Subordinated Liabilities: ₹6,467.06
  • Equity Share Capital: ₹4,014.68
  • Other Equity: ₹435,249.79
  • Non-controlling interest: ₹7,011.65

Segment-wise Performance:

The Company operates mainly in the business of financing and accordingly there are no separate reportable operating segments as per Ind AS 108.

Corporate Actions:

  • Interim dividend of ₹30 per share declared for FY26 on April 10, 2026
  • Dividend paid during half year: ₹12,043.24 million (standalone), ₹12,048.72 million (consolidated)
  • Board approved Scheme of Amalgamation amongst Muthoot Money Limited (wholly owned subsidiary), the Company, and their respective shareholders and creditors under Sections 230-232 of Companies Act, 2013

Other Significant Information:

Co-Lending Arrangements as at September 30, 2026:

  • Number of Outstanding Cases: 14,956
  • Amount of Gross Outstanding: ₹863.15 million
  • Weighted Average Rate of Interest: 13.55%
  • Sector: Supply Chain Finance
  • Default Loss Guarantee: 5% on Disbursed amount

Subsidiaries included in consolidation:

1. Asia Asset Finance PLC

2. Muthoot Homefin (India) Limited

3. Belstar Microfinance Limited

4. Muthoot Insurance Brokers Private Limited

5. Muthoot Asset Management Private Limited

6. Muthoot Trustee Private Limited

7. Muthoot Money Limited