Muthoot Finance Limited — PPTs, 12-02-2025: Investor Presentation

**Financial Highlights:**

Muthoot Finance has achieved record financial performance for the nine months, ending December 31, 2024, demonstrating robust growth in key metrics. Consolidated Loan AUM reached ₹1,11,308 crore, marking a 34% YoY increase, while Standalone Loan AUM rose 37% YoY to ₹97,487 crore. Profit After Tax grew 19% YoY to ₹3,908 crore on a consolidated basis, with standalone PAT up 23% YoY at ₹3,693 crore. The average Gold Loan AUM per branch also increased significantly, reaching ₹19.15 crore.

**Strategic Initiatives and Growth Drivers:**

The company continues to expand its customer base and product offerings, notably achieving the highest-ever Gold Loan disbursement of ₹15,723 crore to over 1.37 million new customers. Muthoot Finance's focus on digital initiatives is enhancing customer experience and facilitating greater accessibility.

**Business Developments:**

Muthoot's operational expansion persists, supported by its extensive branch network of over 7,340 locations across India, enabling increased penetration in rural markets where credit access remains limited.

**Market Position and Competitive Advantage:**

As India's premier gold financing provider, Muthoot Finance benefits from a trusted brand image and a comprehensive service portfolio catering to diverse customer needs. The company holds a commanding market share and continues to consolidate its position through strategic growth initiatives.

**Investor Implications:**

Ongoing growth in Loan AUM and profitability positions Muthoot Finance favorably for investors, suggesting a positive outlook in the gold lending space. The robust financial results and expansion strategy indicate potential for sustained growth, encouraging investors to watch closely for future developments.