Muthoot Finance (MUTHOOTFIN) investor relations material

Executive summary

• Achieved record consolidated gold loan AUM of ₹1,81,916 Cr, up 49% year-over-year, and standalone AUM of ₹1,62,826 Cr, up 50% year-over-year.

• Consolidated profit after tax reached ₹10,607 Cr, up 98% year-over-year; standalone profit after tax at ₹10,134 Cr, up 95% year-over-year.

• Declared highest dividend of ₹30 per share, marking 14 consecutive years of dividends since IPO.

• Expanded branch network to 7,568 locations, serving 6.41 million active customers and processing over 2 lakh daily transactions.

• Maintained leadership as India's largest gold loan NBFC, with 95% of the loan book secured by gold.

Financial highlights

• Consolidated revenue from operations for FY26 was ₹312,092.32 million, up from ₹202,141.65 million in FY25.

• Consolidated interest income grew 54% year-over-year to ₹3,03,709 Mn; total income rose to ₹3,12,634 Mn.

• Standalone net profit for FY26 was ₹101,340.79 million, up from ₹52,007.52 million in FY25.

• Net worth stood at ₹37,742 Cr, with a capital adequacy ratio of 20.75%.

• Return on equity reached 30.63%, and book value per share was ₹940.05.

Outlook and guidance

• Maintains 15% AUM growth guidance for standalone and consolidated business for FY27, to be reviewed after Q2.

• Gold loan market projected to grow 33–36% year-over-year, with significant untapped potential as only a fraction of household gold is collateralized.

• Expansion into underserved geographies and digital transformation expected to drive future growth.

• No specific guidance on margins or profit; expects profit growth to track AUM growth.

• No deviations in the use of proceeds from non-convertible debentures; all funds utilized as disclosed.