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Muthoot Microfin Ltd.

FinanceFinance - NBFC

www.muthootmicrofin.com BSE: 544055NSE: MUTHOOTMF

₹186.75BSE0.56%

16 Sep, 4:01 PM

₹186.75

₹3.20K Cr

13.04

1.10

6.25%

₹190.90

₹185.00

₹262.35

₹141.35

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	1,008.50	33.02	6,27,887.49	0.59	5,345.52	29.34%	19,802.43	19.67%	11.49
SHRIRAM TRAN SHRIRAMFIN	981.05	20.45	2,30,845.48	1.10	3,444.56	59.79%	13,393.68	16.11%	11.50
CHOLAFIN CHOLAFIN	1,767.05	26.31	1,50,960.95	0.11	1,653.59	45.57%	8,833.38	21.93%	9.70
JIOFIN JIOFIN	225.00	207.85	1,48,570.69	0.27	105.24	47.27%	219.04	63.12%	2.85
TATACAP TATACAP	343.50	40.11	1,45,811.25	0.17	999.44	75.93%	6,334.12	13.62%	8.17
BAJ HOLD INV BAJAJHLDNG	10,925.00	40.31	1,21,588.16	1.78	344.09	-83.10%	386.29	31.06%	21.33
MUTHOOT FIN MUTHOOTFIN	2,766.50	10.44	1,11,066.25	1.08	2,550.48	24.64%	7,588.85	33.06%	16.05
Muthoot Microfin Ltd. MUTHOOTMF	186.75	13.04	3,200.99	0.00	81.34	1,215.30%	668.64	19.69%	9.44

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
	643.22	663.47	662.41	680.78	555.03	558.62	576.33	602.81	631.81	668.64
Expenses	227.24	273.31	333.90	428.15	845.04	332.54	317.95	303.98	299.72	306.41
	415.98	390.16	328.51	252.63	-290.01	226.08	258.38	298.83	332.10	362.23
	64.67%	58.81%	49.59%	37.11%	-52.25%	40.47%	44.83%	49.57%	52.56%	54.17%
	1.86	0.28	0.62	0.66	1.19	0.44	1.06	2.54	7.08	1.97
Interest	230.69	233.70	237.41	237.29	221.71	209.76	211.31	221.82	231.58	246.74
	9.76	10.18	10.53	10.94	11.18	11.00	11.02	10.44	10.67	10.87
	177.39	146.56	81.19	5.06	-521.71	5.76	37.11	69.11	96.94	106.60
	32.49%	22.75%	24.12%	24.98%	23.11%	-7.34%	17.76%	9.64%	26.63%	23.70%
	119.76	113.22	61.61	3.80	-401.15	6.18	30.52	62.44	71.12	81.34
	7.02	6.76	3.68	0.23	-23.94	0.37	1.82	3.73	4.24	4.85

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	832.51	1,428.76	2,248.93	2,561.69	2,369.57
Operating Income (Net)	832.51	1,428.76	2,248.93	2,561.69	2,369.57
EXPENDITURE :
Employee Cost	237.08	322.56	446.43	533.91	603.51
Operating & Establishment Expenses	25.98	39.38	54.01	53.60	59.75
Administrations & Other Expenses	38.52	65.87	89.68	121.67	131.48
Provisions and Contingencies	115.70	230.06	191.26	1,184.03	474.25
	417.28	657.86	781.38	1,893.20	1,268.99
Operating Profit (Excl OI)	415.22	770.91	1,467.56	668.49	1,100.58
	10.44	17.58	15.76	15.55	25.93
	425.66	788.49	1,483.32	684.04	1,126.51
Interest	340.16	549.01	866.04	930.11	874.46
	20.78	26.61	35.44	42.84	43.13
Profit Before Taxation & Exceptional Items	64.72	212.87	581.84	-288.90	208.91
	64.72	212.87	581.84	-288.90	208.91
Provision for Tax	17.32	48.98	132.26	-66.38	38.64
	47.40	163.89	449.58	-222.52	170.27
Extra items				0.00	0.00
Consolidated Net Profit	47.40	163.89	449.58	-222.52	170.27
Profit Balance B/F	173.30	209.94	339.40	696.37	472.88
Appropriations	220.70	373.83	788.98	473.84	643.14
	4.15	14.03	26.88	-13.28	10.15
Adjusted EPS	4.15	14.03	26.88	-13.28	10.15

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)
	133.33	140.20	167.27	167.60	167.77
Share Warrants & Outstandings	1.22	5.43	14.81	17.92	19.89
Total Reserves	1,202.02	1,480.22	2,622.28	2,446.72	2,666.65
Reserve excluding Revaluation Reserve	1,202.02	1,480.22	2,622.28	2,446.72	2,666.65
Revaluation reserve	0.00	0.00		0.00
	1,336.58	1,625.85	2,804.35	2,632.23	2,854.31
Secured Loans	3,854.01	6,437.37		3,366.02	4,269.39
Unsecured Loans	142.60	55.81	3,300.28
Deferred Tax Assets / Liabilities	-4.78	-5.78	9.30	-93.82	-48.08
Other Long Term Liabilities			131.40	150.98	121.87
Long Term Trade Payables					2.58
Long Term Provisions	4.94	3.61	156.64	11.18	15.78
Total Non-Current Liabilities	3,996.77	6,491.01	3,597.62	3,434.36	4,361.54
Trade Payables	7.53	11.93	24.19	19.03	17.17
Other Current Liabilities	245.80	394.63	185.19	117.19	125.79
Short Term Borrowings			5,124.51	4,560.40	5,277.91
Total Current Liabilities	253.33	406.56	5,333.88	4,696.61	5,420.87
Total Liabilities	5,586.68	8,523.42	11,735.86	10,763.20	12,636.72
Loans (Non - Current Assets)	4,398.02	7,026.58	9,286.36	8,740.19	10,396.47
Gross Block	177.81	208.22	282.27	307.77	320.18
Less: Accumulated Depreciation	56.57	36.32	67.62	85.15	120.92
Net Block	121.25	171.90	214.66	222.62	199.26
Non Current Investments	0.05	63.36	46.71	354.34	405.83
Long Term Investment	0.05	63.36	46.71	354.34	405.83
Long Term Loans & Advances	7.56	15.27	158.74	80.21	35.56
Other Non Current Assets	1.85	0.00	255.72	132.00	345.31
Total Non-Current Assets	4,528.73	7,277.11	9,962.19	9,529.36	11,382.43
Sundry Debtors	16.77	72.21	14.52	22.11	25.36
Cash and Bank	999.92	1,150.41	1,336.34	1,049.63	977.75
Other Current Assets		18.64	422.81	162.10	251.17
Short Term Loans and Advances	41.27	5.06
Total Current Assets	1,057.96	1,246.32	1,773.67	1,233.84	1,254.29
Net Current Assets (Including Current Investments)	804.63	839.76	-3,560.22	-3,462.77	-4,166.58
Total Assets	5,586.68	8,523.42	11,735.86	10,763.20	12,636.72
Contingent Liabilities	202.53	338.20	549.80	0.50	0.50
Total Debt	3,996.61	6,493.18	8,424.79	7,926.42	9,547.30
	115.28	136.69	166.77	155.99	168.95
Adjusted Book Value	115.28	136.69	166.77	155.99	168.95

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
	64.72	212.87	581.84	-288.90	208.91
Adjustment	44.06	157.98	884.61	2,043.93	1,251.01
Changes In working Capital	-1,139.29	-2,669.58	-2,613.71	-262.21	-2,077.41
Cash Flow after changes in Working Capital	-1,030.51	-2,298.73	-1,147.26	1,492.82	-617.49
Cash Flow from Operating Activities	-1,083.58	-2,332.88	-1,271.69	1,382.03	-580.33
Cash Flow from Investing Activities	-73.80	-180.03	-225.33	-127.79	-41.39
Cash Flow from Financing Activitie	1,344.13	2,566.54	1,671.02	-1,484.64	625.62
Net Cash Inflow / Outflow	186.75	53.63	174.00	-230.40	3.90
Opening Cash & Cash Equivalents	519.08	705.83	753.65	927.65	697.25
Closing Cash & Cash Equivalent	705.83	759.46	927.65	697.25	701.15

Ratios

Valuation

13.04

1.10

9.31

1.30

14.40

171.18

Profitability

6.25

9.44

1.46

46.45

7.19

Leverage & Liquidity

3.37

0.23

1.24

Returns

0.00

0.20

Banking Metrics

1.15

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	55.47	55.47	55.47	55.47	55.47	55.47	55.47	55.47	55.47
	28.83	28.43	28.23	27.78	25.88	26.09	26.20	26.32	26.49
	15.70	16.11	16.30	16.75	18.65	18.44	18.34	18.21	18.05
	44.53	44.53	44.53	44.53	44.53	44.53	44.53	44.53	44.53
No. of Shareholders	1,70,261	1,62,575	1,61,655	1,58,976	1,58,221	1,52,290	1,45,494	1,40,500	1,36,798

Corporate Actions

Showing: All

Date	Type	Details
2026-07-27	Board Meeting	Quarterly Results
2026-07-16	AGM
2026-06-23	Board Meeting	Inter alia, to consider and approve:- 1. To consider and approve the authorisation to the Debenture Issue and Allotment Committee for issuance of Non-Convertible Debentures aggregating up to Rs. 30,00,00,00,000 (Rupees Three thousand Crores only) by way Private placement and Rs. 10,00,00,00,000 (Rupees One Thousand Crores only) through public issue during the Financial Year 2026-27. 2. To consider the proposal for scheduling the Annual General Meeting of the Company.

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

Muthoot Microfin 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

10 members across the board and senior leadership

Neethu Ajay

Chief Compliance Officer & Company Secretary

—

Thomas Muthoot

Chairman

—

Alok Prasad