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Muthoot Finance Ltd. engages in the provision of personal and business loans secured by gold jewelry or gold loans. The company is headquartered in Kochi, Kerala and currently employs 27,273 full-time employees. The company went IPO on 2011-05-06. The firm is a non-deposit taking, non-banking financial company, which is engaged primarily in the business of financing. The company provides personal and business loans secured by gold jewelry. The company lends against security of household used gold ornaments (HUGO) and does not deal in gold bullion. Its gold loan schemes include Muthoot One Percent Loan, Muthoot Ultimate Loan, Muthoot Delight Loan, Muthoot EMI Scheme, Muthoot Mudra Loan, Muthoot Advantage Loan, Muthoot High Value Loan Plus, Muthoot High Value Loan and Muthoot Big Business Loans. Its core offering is gold loans; however, the Company offers a range of other products and services to its customers, which includes foreign inward money transfer services, domestic money transfer services, instant money transfer services, microfinance, non-convertible debentures, home loans, personal loans, corporate loans, foreign exchange services and insurance services, among others.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹30,371 Cr on total income of ₹30,425 Cr.
Cost-to-income ratio at 15.8%. Provision coverage at 0.0% of income.
“Consolidated profit after tax stood at INR 4,386 crores vs INR 2,517 crores last year, an increase of 74% year on year”
“Loan assets under management stood at INR 132,305 crores vs INR 90,197, registering growth of 47% year on year”
“yields is what the woman woman also mentioned. 18.5...eighteen, eighteen point five. That should be the steady state. plus or minus half a percent”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 27.1%▲ | 2.8% |
| ROCE | 13.0%▲ | 4.2% |
| Net Margin | 34.9%▲ | 11.9% |
| EBITDA Margin | 81.4%▲ | 29.0% |
| Debt To Equity | 3.88x▲ | 0.09x |
| Rev Growth 3yr | 37.7%▲ | 12.2% |
| EPS Growth 3yr | 43.1%▲ | 12.6% |
| Cost To Income | 15.8%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹31,209 Cr +54.4% | ₹20,214 Cr +34.2% | ₹15,062 Cr +26.6% | ₹11,898 Cr -2.4% | ₹12,185 Cr +5.7% | ₹11,531 Cr +19.1% | ₹9,684 Cr +27.5% | ₹7,594 Cr | |
| ₹139 Cr +25.9% | ₹110 Cr +9.1% | ₹101 Cr +30.7% | ₹77 Cr +47.2% | ₹53 Cr +47.5% | ₹36 Cr +53.0% | ₹23 Cr +251.9% | ₹7 Cr | |
| Total Income | ₹31,348 Cr +54.2% | ₹20,324 Cr +34.0% | ₹15,163 Cr +26.6% | ₹11,975 Cr -2.1% | ₹12,237 Cr +5.8% | ₹11,566 Cr +19.2% | ₹9,707 Cr +27.7% | ₹7,601 Cr |
| ₹17,043 Cr +30.5% | ₹13,058 Cr +42.5% | ₹9,166 Cr +30.0% | ₹7,052 Cr +3.3% | ₹6,827 Cr +6.1% | ₹6,435 Cr +18.1% | ₹5,447 Cr +25.5% | ₹4,342 Cr | |
| Profit Before Tax | ₹14,305 Cr +96.9% | ₹7,266 Cr +21.2% | ₹5,997 Cr +21.8% | ₹4,923 Cr -9.0% | ₹5,410 Cr +5.4% | ₹5,131 Cr +20.4% | ₹4,260 Cr +30.7% | ₹3,260 Cr |
| ₹3,698 Cr +93.2% | ₹1,914 Cr +25.2% | ₹1,529 Cr +22.0% | ₹1,253 Cr -9.1% | ₹1,379 Cr +5.0% | ₹1,313 Cr +20.2% | ₹1,092 Cr -5.6% | ₹1,157 Cr | |
| Net Profit | ₹10,607 Cr +98.2% | ₹5,352 Cr +19.8% | ₹4,468 Cr +21.7% | ₹3,670 Cr -9.0% | ₹4,031 Cr +5.6% | ₹3,819 Cr +20.5% | ₹3,169 Cr +50.7% | ₹2,103 Cr |
| Profit (Owners) | ₹10,590 Cr +98.6% | ₹5,333 Cr +23.3% | ₹4,324 Cr +19.7% | ₹3,612 Cr -10.1% | ₹4,017 Cr +5.6% | ₹3,804 Cr +21.2% | ₹3,138 Cr +51.0% | ₹2,078 Cr |
| Minority Interest | ₹17 Cr -15.1% | ₹19 Cr -86.4% | ₹143 Cr +149.4% | ₹57 Cr +290.9% | ₹15 Cr +1.6% | ₹14 Cr -52.4% | ₹30 Cr +21.9% | ₹25 Cr |
| Other Comprehensive Income | ₹219 Cr ↑ Recovery | (₹86 Cr) ↓ Decline | ₹70 Cr +64.3% | ₹43 Cr ↑ Recovery | (₹78 Cr) -26.3% | (₹62 Cr) ↓ Decline | ₹59 Cr ↑ Recovery | (₹2 Cr) |
| EPS | ₹263.78 | ₹132.84 | ₹107.71 | ₹89.98 | ₹100.08 | ₹94.83 | ₹78.25 | ₹51.86 |
| Diluted Shares | ₹40 Cr | ₹40 Cr | ₹40 Cr | ₹40 Cr | ₹40 Cr | ₹40 Cr | ₹40 Cr | ₹40 Cr |
| Net Gain On Amortised Derecognition | ₹109 Cr -1.7% | ₹110 Cr -36.0% | ₹172 Cr +22.8% | ₹140 Cr +65.5% | ₹85 Cr +257.5% | ₹24 Cr -69.6% | ₹78 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹1,111 Cr -32.1% | ₹1,635 Cr +195.2% | ₹554 Cr +128.8% | ₹242 Cr -36.9% | ₹384 Cr +50.3% | ₹255 Cr +36.4% | ₹187 Cr | ₹0.00 Cr |
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Muthoot Finance Limited has informed the Exchange about Schedule of meet
Muthoot Finance Limited has informed the Exchange about disclosure under Regulation 30
Muthoot Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Muthoot Finance Limited has informed the Exchange about Transcript
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication
Muthoot Finance Limited has informed the Exchange about Link of Recording
Muthoot Finance Limited has informed the Exchange about Schedule of meet
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication
Muthoot Finance Limited has informed the Exchange regarding 'Intimation To Shareholders Regarding TDS On Dividend'.
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication
Muthoot Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Muthoot Finance Limited has informed the Exchange about Transcript
Muthoot Finance Limited has informed the Exchange about Copy of Newspaper Publication