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Muthoot Finance Ltd.

FinanceFinance - NBFC

www.muthootgroup.com BSE: 533398NSE: MUTHOOTFIN

₹2,415.00BSE1.67%

22 Oct, 4:01 PM

₹2,415.00

₹96.95K Cr

8.52

2.39

30.97%

₹2,470.10

₹2,412.00

₹4,149.00

₹2,412.00

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	939.95	26.98	5,85,208.57	0.64	6,366.57	28.68%	24,546.37	22.79%	10.87
SHRIRAM TRAN SHRIRAMFIN	900.00	18.71	2,11,777.81	1.20	3,452.77	59.90%	13,400.43	16.16%	11.49
JIOFIN JIOFIN	211.00	81.39	1,39,326.29	0.28	340.44	-51.02%	1,699.28	73.15%	2.11
CHOLAFIN CHOLAFIN	1,533.40	22.86	1,31,490.71	0.13	1,656.22	45.56%	8,856.29	21.87%	9.70
TATACAP TATACAP	309.00	24.20	1,31,166.45	0.19	1,628.18	56.42%	8,821.93	15.10%	8.66
BAJ HOLD INV BAJAJHLDNG	11,261.00	14.13	1,25,327.62	1.73	2,708.08	-22.71%	394.33	21.46%	14.81
ABCAPITAL ABCAPITAL	356.70	23.80	97,663.81	0.00	1,223.85	43.25%	12,179.54	28.17%	8.82
Muthoot Finance Ltd. MUTHOOTFIN	2,415.00	8.52	96,954.64	1.24	2,824.84	43.08%	8,671.60	34.44%	15.87

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	4,163.80	4,473.86	4,928.82	5,189.73	5,621.75	6,450.13	7,282.79	8,187.60	9,288.71	8,671.60
Expenses	1,120.99	1,226.43	1,323.73	1,405.23	1,549.24	1,421.99	1,479.56	1,457.56	1,527.95	1,407.90
	3,042.81	3,247.43	3,605.09	3,784.50	4,072.51	5,028.14	5,803.23	6,730.05	7,760.76	7,263.70
	73.08%	72.59%	73.14%	72.92%	72.44%	77.95%	79.68%	82.20%	83.55%	83.76%
	15.62	18.61	28.57	31.95	5.62	15.55	49.80	51.61	2.65	23.21
Interest	1,446.64	1,594.50	1,807.03	1,899.55	2,111.22	2,354.91	2,571.22	2,918.72	3,154.78	3,458.39
	26.61	25.84	24.86	30.58	34.71	34.75	37.61	40.48	24.48	31.40
	1,585.18	1,645.70	1,801.78	1,886.32	1,932.20	2,654.03	3,244.20	3,822.46	4,584.15	3,797.13
	25.42%	27.35%	26.67%	26.23%	25.27%	25.61%	25.66%	26.13%	25.89%	25.61%
	1,139.07	1,164.03	1,271.60	1,389.18	1,477.68	2,016.20	2,420.63	2,804.03	3,349.47	2,799.07
	28.37	28.99	31.67	34.60	36.81	50.22	60.29	69.84	83.43	69.72

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	12,185.61	11,897.66	15,061.66	20,214.17	31,209.23
Operating Income (Net)	12,185.61	11,897.66	15,061.66	20,214.17	31,209.23
EXPENDITURE :
Employee Cost	1,236.81	1,488.27	1,828.21	2,194.96	2,791.14
Operating & Establishment Expenses	424.23	454.04	512.94	782.95	984.32
Administrations & Other Expenses	300.27	409.62	558.39	704.57	750.72
Provisions and Contingencies	529.08	397.30	723.03	1,739.42	1,240.86
	2,490.39	2,749.23	3,622.57	5,421.90	5,767.03
Operating Profit (Excl OI)	9,695.22	9,148.44	11,439.09	14,792.27	25,442.20
	52.55	77.34	101.09	50.92	54.18
	9,747.77	9,225.78	11,540.18	14,843.19	25,496.38
Interest	4,267.58	4,224.84	5,451.57	7,461.20	11,054.22
	70.00	78.16	92.11	115.99	137.31
Profit Before Taxation & Exceptional Items	5,410.19	4,922.78	5,996.50	7,266.01	14,304.84
	5,410.19	4,922.78	5,996.50	7,266.01	14,304.84
Provision for Tax	1,378.86	1,253.01	1,528.91	1,913.65	3,697.98
	4,031.32	3,669.77	4,467.59	5,352.36	10,606.87
Extra items				0.00	0.00
Minority Interest	-14.70	-57.47	-143.31	-19.46	-16.53
Consolidated Net Profit	4,016.62	3,612.30	4,324.29	5,332.90	10,590.34
Profit Balance B/F	6,397.37	8,871.01	10,995.26	13,508.97	16,797.89
Appropriations	10,413.99	12,483.31	15,319.55	18,841.87	27,388.23
Equity Dividend %	200.00%	220.00%	240.00%	260.00%	300.00%
	100.08	89.98	107.71	132.84	263.79
Adjusted EPS	100.08	89.98	107.71	132.84	263.79

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	401.35	401.45	401.46	401.46	401.47
Share Warrants & Outstandings	6.17	2.01	1.12	0.46
Total Reserves	18,378.20	21,262.29	24,704.63	28,964.70	38,728.85
Reserve excluding Revaluation Reserve	18,378.20	21,262.29	24,704.05	28,964.06	38,728.39
Revaluation reserve	0.00		0.58	0.64	0.46
	18,785.72	21,665.75	25,107.21	29,366.63	39,130.32
Minority Interest	352.17	487.05	646.83	626.55	644.14
Secured Loans	30,982.26	35,173.34	14,764.98	19,311.42	32,586.97
Unsecured Loans	1,495.84	1,201.15	16,103.09	34,674.12	61,305.64
Deferred Tax Assets / Liabilities	-92.34	-48.81	-80.82	-176.41	-178.48
Other Long Term Liabilities	15.29	20.91	291.66	290.26	175.22
Long Term Provisions	35.62	38.65	41.11	90.54	149.99
Total Non-Current Liabilities	32,436.67	36,385.24	31,120.02	54,189.93	94,039.35
Trade Payables	120.45	87.84	143.94	137.13	144.57
Other Current Liabilities	1,963.80	1,640.83	1,735.74	2,339.40	2,936.62
Short Term Borrowings	22,074.52	19,413.68	37,244.37	45,383.22	57,893.98
Short Term Provisions	474.18	404.43	374.25	615.42	753.06
Total Current Liabilities	24,632.94	21,546.78	39,498.30	48,475.16	61,728.24
Total Liabilities	76,207.50	80,084.82	96,372.36	1,32,658.26	1,95,542.04
Loans (Non - Current Assets)	64,527.64	70,554.38	88,187.17	1,20,577.88	1,78,856.77
Gross Block	606.13	718.01	896.98	1,192.12	1,363.78
Less: Accumulated Depreciation	273.79	340.67	424.52	522.66	655.32
Net Block	332.34	377.34	472.47	669.46	708.46
Capital Work in Progress	52.34	67.43	88.32	12.54	10.49
Non Current Investments	475.73	402.88	560.95	455.83	442.53
Long Term Investment	475.73	402.88	560.95	455.83	442.53
Long Term Loans & Advances	147.87	188.44		7.39	9.31
Other Non Current Assets	24.04	26.97	284.94	331.10	2,001.90
Total Non-Current Assets	65,569.36	71,625.69	89,603.31	1,22,066.90	1,82,041.96
Currents Investments	47.58	142.83	151.54	1,944.89	107.67
Sundry Debtors	7.01	9.90	17.84	11.86	11.60
Cash and Bank	10,314.96	8,035.66	6,205.97	8,321.91	12,765.36
Other Current Assets	257.43	258.29	321.22	297.16	604.74
Short Term Loans and Advances	11.17	12.46	72.49	15.55	10.71
Total Current Assets	10,638.14	8,459.13	6,769.05	10,591.37	13,500.08
Net Current Assets (Including Current Investments)	-13,994.79	-13,087.65	-32,729.25	-37,883.79	-48,228.16
Total Assets	76,207.50	80,084.82	96,372.36	1,32,658.26	1,95,542.04
Contingent Liabilities	772.32	832.35	802.55	793.37	876.93
Total Debt	54,552.62	55,788.17	68,112.44	99,368.75	1,51,786.59
	467.92	539.64	625.35	731.46	974.67
Adjusted Book Value	467.92	539.64	625.35	731.46	974.67

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	5,410.19	4,922.78	5,996.50	7,266.01	14,304.84
Adjustment	4,494.01	4,226.86	5,685.02	8,664.32	11,452.63
Changes In working Capital	-6,127.73	-6,179.71	-17,894.92	-34,025.06	-59,653.02
Cash Flow after changes in Working Capital	3,776.46	2,969.93	-6,213.40	-18,094.74	-33,895.55
Cash Flow from Operating Activities	-1,596.45	-2,804.07	-13,605.49	-26,524.89	-47,392.65
Cash Flow from Investing Activities	421.64	180.97	45.36	-1,376.27	2,457.79
Cash Flow from Financing Activitie	3,445.49	395.02	11,809.06	30,041.47	49,319.56
Net Cash Inflow / Outflow	2,270.68	-2,228.08	-1,751.07	2,140.31	4,384.70
Opening Cash & Cash Equivalents	7,800.71	10,060.25	7,831.14	6,082.38	8,224.31
Effect of Foreign Exchange Fluctuations	-11.14	-1.03	2.31	1.62	3.69
Closing Cash & Cash Equivalent	10,060.25	7,831.14	6,082.38	8,224.31	12,612.69

Ratios

Valuation

8.52

2.39

6.94

2.94

283.29

1,011.32

Profitability

30.97

15.87

6.46

81.52

33.99

Leverage & Liquidity

3.88

0.22

2.29

Returns

1.24

0.19

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	73.35	73.35	73.35	73.35	73.35	73.35	73.35	73.35	73.35	73.35
	23.24	23.14	23.24	22.76	23.04	22.94	22.87	22.71	22.36	22.25
	3.42	3.51	3.41	3.89	3.61	3.72	3.78	3.94	4.30	4.41
	26.65	26.65	26.65	26.65	26.65	26.65	26.65	26.65	26.65	26.65
No. of Shareholders	1,82,990	2,98,304	3,04,528	3,05,672	2,88,688	2,99,709	3,05,964	3,14,887	3,12,071	3,54,913

Mutual Funds Invested(208)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 123 active funds hold 10.64% in Muthoot Finance Ltd., contributing to ₹11.70K Cr of holdings

Fund				As of
SB SBI Focused Fund - Growth - Direct PlanEquity - Focused Fund	2,492.05	4.97	91,04,702	Sep '26
SB SBI Aggressive Hybrid Fund - Growth - Direct PlanHybrid - Aggressive Hybrid Fund	2,107.57	2.45	77,00,000	Sep '26
MO Motilal Oswal Large & Midcap Fund - Growth - Direct PlanLarge & Mid Cap	801.80	4.04	29,29,380	Sep '26
IP ICICI Prudential Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	635.54	2.01	23,21,955	Sep '26
TA Tata Value Fund - Growth - Direct PlanEquity - Value Fund	357.19	4.34	13,05,000	Sep '26
SB SBI Small Cap Fund - Growth - Direct PlanSmall cap Fund	355.82	0.87	13,00,000	Sep '26
SB SBI ELSS Tax Saver Fund - Growth - Direct PlanEquity - ELSS - Tax Saver Fund	344.48	1.15	12,58,563	Sep '26
SB SBI Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	298.97	2.87	10,92,305	Sep '26
IP ICICI Prudential Large Cap Fund - Growth - Direct PlanLarge Cap Fund	286.56	0.38	10,46,939	Sep '26
MO Motilal Oswal Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	285.54	2.12	10,43,217	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-08-07	AGM
2026-07-24	Board Meeting	Quarterly Results
2026-05-11	Board Meeting	Audited Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

Muthoot Finance Ltd. operates in the Finance sector under the Finance - NBFC industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

17 members across the board and senior leadership

Rajesh A

Company Secretary & Compliance Officer

—

George Jacob Muthoot

Chairman

₹29.67 Cr

Mar '26

George Alexander Muthoot

Vice Chairman & Whole Time Director

₹29.67 Cr

Mar '26

George Thomas Muthoot

Joint Managing Director

₹29.67 Cr

Mar '26

Alexander George

Managing Director

₹29.67 Cr

Mar '26

George Muthoot George

Whole Time Director

₹7.80 Cr

Mar '26

George Muthoot Jacob

Whole Time Director

₹2.61 Cr

Mar '25

George Alexander

Deputy Managing Director

₹7.80 Cr

Mar '26

Ravindra Pisharody