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Muthoot Finance (MUTHOOTFIN) investor relations material
Muthoot Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary13 Aug, 2025
Executive summary
Achieved record consolidated loan AUM of ₹1,33,938 crore, up 37% YoY, and standalone loan AUM of ₹1,20,031 crore, up 42% YoY, with gold loan AUM up 40% YoY to ₹1,13,194 crore.
Standalone profit after tax surged 90% YoY to ₹2,046 crore; consolidated PAT reached ₹1,974 crore, up 65% YoY.
Opened 22 new branches; branch network expanded to 7,413 locations, with rural and semi-urban focus.
Market capitalization crossed ₹1 trillion, reflecting strong investor confidence and market leadership.
Technology investments and digital initiatives are enhancing customer experience and operational efficiency.
Financial highlights
Standalone total income for Q1 FY26 was ₹5,720 crore, up 54% YoY; consolidated income rose 44% YoY to ₹64,850 Mn.
Standalone interest income grew 53% YoY to ₹55,923 Mn; profit before tax at ₹2,745 crore, up 84% YoY.
Yield expanded by 100 bps sequentially, mainly due to ₹400 crore in exceptional interest income from NPL recoveries and ARC receipts.
Cost of borrowing declined by 11 bps in the quarter; operating expenses improved due to higher AUM and per-branch business.
Dividend payout ratio for FY25 at 20%, with a payout of ₹10,438 Mn; interim dividend of ₹26 per share declared.
Outlook and guidance
Management expects continued strong growth, supported by digital transformation and favorable regulatory environment.
Focus remains on gold loans, digital initiatives, and expanding rural and semi-urban presence.
Strong liquidity and capital adequacy (21.96% as of June 2025) support future growth; no immediate plans for capital raise.
Management intends to maintain a spread of 9.5% and will pass on cost of funds reductions to customers if borrowing costs decline.
Opportunities seen in affordable housing, microfinance, and leveraging digital platforms for customer acquisition.
Elaborate on the 3-pronged strategy.
Explain the drivers behind OpEx reduction.
Detail plans for gold loans in Belstar.
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Next Muthoot Finance earnings date
Q2 25/2613 Nov, 2025
Next Muthoot Finance earnings date
Q2 25/2613 Nov, 2025
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Frequently asked questions
Muthoot Finance Ltd is a non-banking financial company primarily offering gold loans secured against household gold jewelry. It also provides other financial services including money transfer, insurance, and wealth management. The company is headquartered in Kochi, India, and its shares are listed on the NSE.
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