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Companies›Financial Services›Financial Services›Finance
NSE:MUTHOOTFIN

MUTHOOT FINANCE LIMITED

Financial Services › Finance·NIFTY 100NIFTY 200NIFTY 500NIFTY INDIA FPI 150+8
₹2,400.00
at close · 28 Oct 2026
▼ 7.50 (-0.31%)
ThemesArtificial Intelligence· growing

Latest filings

Next results: Sat, 31 Oct · Financial Results
  1. Board to approve quarterly and half-year results for September 2026 · Results
  2. Routine compliance filing under SEBI Regulation 74(5) for Sep 2026 quarter · Compliance
  3. Muthoot Finance: 3 promoter family directors appointed for 5-year terms · Management Changes
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends against household gold ornaments through a network of 7,654 branches, with gold-backed loans making up nearly the entire loan book. As of Q1 FY27, gold loan assets under management stood at ₹1,75,527 crore, and management cites a 47% share of NBFC gold financing. Consolidated loan AUM reached ₹1,91,532 crore, up 43% year-on-year. The group also operates Belstar Microfinance (81 new gold loan branches in FY26, ~200 more planned for FY27), Muthoot Money (gold AUM up 151% to ₹9,794 crore), Muthoot Homefin for housing finance, and Asia Asset Finance PLC in Sri Lanka. Shareholders have approved an MOA amendment to begin insurance distribution as a corporate agent across life, general, and health insurance. FY26 standalone profit after tax was ₹10,134 crore on consolidated AUM of ₹1,65,000 crore. The active customer base reached 6.58 million in Q1 FY27, with average loan-to-value around 57% and yields near 20.76% in Q4 FY26. The dominant cost is finance — interest on borrowings used to fund lending. Finance costs rose 47% year-on-year in Q1 FY27, faster than 34% interest income growth, pushing net interest margin to 10.41% from 12.15%. Employee cost was 8.9% of revenue and other operating expenses 6.4% in FY26.

Operating scale
Branch network
7,654 branchesQ1 FY27
Active customers
6.58 millionQ1 FY27
Gold loan AUM
₹1,75,527 croreQ1 FY27
NBFC market share in gold financing
47%Q1 FY27
Average loan-to-value (LTV)
57%Q4 FY26
Yield on advances
20.76%Q4 FY26
Who pays it
Individuals pledging household gold ornaments; microfinance and small-business borrowers through subsidiaries
Biggest cost
Interest expense on borrowings used to fund the loan book
Kind of business
Gold-backed NBFC lending with gold collateral as the dominant asset and finance costs as the primary expense
Where it sits
47% share of NBFC gold financing as cited in Q1 FY27 investor presentation
Market Cap
₹96,352 Cr
P / E (TTM)
8.5×
EV / EBITDA
—
Div Yield
1.08%
Growth
22.0%▲
Revenue 5y CAGR
PAT +22.7% · EBITDA +22.3%
Quality
—·
ROCE (FY26)
ROE 17.8% (5y median) · margin 81.5%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
2.7×▲
Margin +0.9 pts
₹11,531 Cr → ₹31,209 Cr
Moves on a normal day
1.15%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#47/200
P/B#195/253
ROE#5/257
EBITDA margin#49/249
Revenue growth#80/231
Profit growth#92/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 22% a year over 5 years
Profit compounding 23% a year over 5 years
Concerns
Nothing flagged in the filed numbers.

Charts

How has the market priced it — with filings on the timeline?

MUTHOOTFIN · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from MUTHOOT FINANCE LIMITED's filed financials and exchange disclosures

What does MUTHOOT FINANCE LIMITED do?

MUTHOOT FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol MUTHOOTFIN.

Is MUTHOOT FINANCE LIMITED profitable?

Yes. Over the trailing twelve months MUTHOOT FINANCE LIMITED reported a net profit of ₹11,457 Cr on revenue of ₹33,431 Cr.

Does MUTHOOT FINANCE LIMITED pay a dividend?

Yes. The dividend yield is 1.08% at the current price. It paid out 10% of its profit as dividend in FY26.

Is MUTHOOT FINANCE LIMITED expensive compared with its peers?

On trailing P/E, MUTHOOT FINANCE LIMITED ranks 47 of 200 in Non Banking Financial Company (NBFC) — cheaper than 77% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the MUTHOOT FINANCE LIMITED share price move in a day?

On a typical session MUTHOOT FINANCE LIMITED moves 1.15% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

When are MUTHOOT FINANCE LIMITED's next results?

Financial Results on Sat, 31 Oct. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track MUTHOOT FINANCE LIMITED's announcements?

Every NSE and BSE filing by MUTHOOT FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.