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Muthoot Finance (MUTHOOTFIN) investor relations material
Muthoot Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary13 Nov, 2025
Executive summary
Consolidated loan AUM reached ₹1,47,673 crore for H1 FY26, up 42% year-on-year, with consolidated PAT at ₹4,386 crore, up 74% year-on-year.
Standalone loan AUM grew 47% year-on-year to ₹1,32,305 crore; gold loan AUM rose 45% year-on-year to ₹1,24,918 crore; standalone PAT increased 88% to ₹4,391 crore.
Subsidiaries showed strong growth: Muthoot Homefin AUM up 33%, Muthoot Money AUM up 182%, Asia Asset Finance AUM up 48%; Belstar Microfinance reported narrowed losses but continued sectoral headwinds.
Fitch upgraded international credit rating to 'BB+' with a stable outlook.
International operations and microfinance segment face elevated risks and sectoral challenges.
Financial highlights
Standalone total income for H1 FY26 was ₹12,181 crore, up 55% year-on-year; consolidated interest income was ₹1,33,793 million, up 47% year-on-year.
Standalone PAT for H1 FY26 was ₹4,391 crore, up 88% year-on-year; consolidated PAT was ₹4,386 crore, up 74% year-on-year.
Gold loan disbursement to new customers was ₹13,183 crore to 8,90,920 customers; gold held as security increased to 209 tonnes.
EPS (Basic & Diluted) for H1 FY26 stood at ₹110.52, up from ₹60.67 year-on-year.
Muthoot Money Limited's loan portfolio increased 182% year-on-year to ₹6,393 crore; PAT rose to ₹106 crore from ₹5 crore.
Outlook and guidance
Upgraded FY26 gold loan growth guidance from 15% to 30-35% due to favorable regulatory changes, higher gold prices, and increased demand.
Non-gold loan portfolio, including personal and microfinance loans, constitutes 12%-15% of consolidated loan portfolio, with plans for further expansion.
Focus on leveraging digital initiatives, expanding rural and semi-urban reach, and branch network expansion.
Expectation of further decline in cost of funds by 15-20 basis points over the next two quarters.
Belstar Microfinance expected to focus on consolidation and portfolio quality for the next two quarters, with growth resuming thereafter.
Belstar Microfinance: Q2 loss reduction drivers?
Muthoot Money: Impact of Rs 500 Cr equity?
Drivers for upgraded FY26 gold loan guidance?
Belstar's profitability and growth outlook?
What is the sustainable core yield expectation?
Strategy for new RBI LTV norms (<INR 2.5L)?
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Next Muthoot Finance earnings date
Q3 25/2611 Feb, 2026
Next Muthoot Finance earnings date
Q3 25/2611 Feb, 2026
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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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