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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Muthoot Finance
Muthoot Finance (MUTHOOTFIN) investor relations material
Muthoot Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary12 Nov, 2026
Executive summary
H1 FY2027 consolidated loan AUM rose 42% YoY to ₹2,093,173 Mn and PAT increased 39% to ₹61,028.42 Mn; standalone loan AUM grew 42% to ₹1,878,103 Mn.
Gold lending led growth, supported by digital adoption, new-customer lending and subsidiary expansion.
Financial highlights
Consolidated H1 revenue from operations was ₹186,693.71 Mn; total income was ₹187,056 Mn, PBT ₹81,962 Mn and PAT ₹61,028.42 Mn.
Consolidated Q2 revenue from operations was ₹99,977.69 Mn; total income rose 16% QoQ to ₹100,108 Mn, while PAT increased 18% QoQ to ₹32,780.02 Mn.
Standalone H1 total income rose 35% YoY to ₹164,450 Mn; PBT was ₹74,155 Mn and PAT ₹55,271.05 Mn. Q2 PAT was ₹29,766.29 Mn.
Consolidated and standalone Q2 EPS were ₹80.87 and ₹74.14, respectively.
Standalone H1 finance cost rose 46% YoY to ₹65,105 Mn; impairment expense was ₹5,660 Mn versus ₹1,291 Mn, while consolidated H1 impairment expense rose 25% to ₹7,146 Mn.
Segment performance
Standalone gold-loan AUM reached ₹1,789,562 Mn, up 43% YoY, with 204.1 tonnes of gold and 6.86 Mn active customers.
Muthoot Money H1 loan AUM rose 99% YoY to ₹127,158 Mn and PAT rose 242% to ₹3,635 Mn; its focus is gold lending in underserved geographies.
Belstar H1 loan AUM grew 2% YoY to ₹78,764 Mn; PAT recovered to ₹1,441 Mn from a ₹1,596 Mn loss, and Stage III assets fell to 3.26% from 4.58%.
Muthoot Homefin H1 loan AUM rose 7% to ₹34,601 Mn and PAT increased 9% to ₹114 Mn; Asia Asset Finance reported 39% LKR AUM growth and 110% PAT growth.
Insurance-broker H1 premium collection was ₹1,438 Mn; H1 PAT rose to ₹304 Mn from ₹227 Mn YoY. Financing is the primary business, with no separate reportable operating segments under Ind AS 108.
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Latest events from Muthoot Finance
- AUM and profit rose 43% YoY, driven by gold loans, digital growth, and strong subsidiaries.MUTHOOTFIN
Q1 26/27 - Record AUM and profit growth, digital adoption, and 15% AUM growth guidance for FY27.MUTHOOTFINQ4 25/26
- Record AUM and profit growth, strong digital adoption, and improved asset quality.MUTHOOTFINQ3 25/26
- Record H1 FY26: loan AUM up 42% YoY, PAT up 74% YoY, gold loan growth guidance raised.MUTHOOTFINQ2 25/26
- Record AUM and profit growth driven by gold loans, digital expansion, and NPA recoveries.MUTHOOTFINQ1 25/26
- AUM hit ₹1,04,149 crore, gold loan growth guidance raised, and capital ratios remain strong.MUTHOOTFINQ2 24/25
- Record AUM and profits, strong gold loan and subsidiary growth, robust capital and asset quality.MUTHOOTFINQ1 24/25
- Record AUM and profits, gold loan AUM over ₹1 lakh Cr, and ratings upgraded.MUTHOOTFINQ4 24/25
- Record AUM and profit growth driven by gold loans, digital expansion, and strong asset quality.MUTHOOTFINQ3 24/25
Next Muthoot Finance earnings date
Q3 26/2729 Jan, 2027
Muthoot Finance
Next Muthoot Finance earnings date
Q3 26/2729 Jan, 2027
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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.