Asset Liability Management Statement for the month ended July 31, 2025
MUTHOOTCAP · price
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Awaiting price reaction for this filing.
Muthoot Capital Services Limited has submitted its provisional Asset Liability Management (ALM) statement for July 2025 to BSE, as required by SEBI's Master Circular for listed Commercial Paper issuers. The statement was also shared with the RBI. Total outflows and inflows are matched at ₹4,516.43 crore. Key outflows include Non-Convertible Debentures (₹1,373.51 cr), bank borrowings (₹868.70 cr), and borrowings from others (₹568.97 cr). Major inflows come from performing loan advances (₹2,996.65 cr), other assets (₹697.35 cr), and bank balances (₹325.40 cr). The company reported Gross Non-Performing Assets (GNPA) of ₹177.32 crore, mostly in the 3-5 year and above-5-year buckets. There are negative liquidity mismatches in the 2-month (₹50.39 cr), 1-3 year (₹233.01 cr), and above-5-year (₹571.34 cr) time buckets, while shorter buckets show positive mismatches.
This is a routine monthly regulatory filing and does not indicate any immediate material event. However, the negative mismatches in longer-duration buckets (1-3 years and above 5 years) point to a structural liability-asset duration gap common in NBFCs, where long-tenure assets are funded partly by shorter liabilities. Investors should track GNPA levels (₹177.32 cr) for credit quality trends.