Muthoot Finance Limited — PPTs, 12-02-2026: Investor Presentation

Muthoot Finance posted strong 9M FY26 results! Consolidated Loan AUM hit ₹1,64,720 Crore, up 48% YoY, while Consolidated PAT soared 84% YoY to ₹7,209 Crore. Gold Loan AUM, the core business, grew 50% YoY to ₹1,39,658 Crore. Standalone PAT was up 91% YoY to ₹7,048 Crore.

Digital initiatives, like the iMuthoot app with 22.8 million downloads, are key growth drivers, enhancing customer engagement and online transactions. The company focuses on underserved rural/semi-urban markets through its 4,950+ branches. Asset quality improved, with Stage III loan assets falling to 1.58%.

Subsidiary Muthoot Money delivered a stellar profit turnaround of ₹203 Crore (vs. prior loss) and 168% AUM growth to ₹8,003 Crore. However, Belstar Microfinance reported a loss of ₹108.6 Crore.

Key metrics: EPS jumped 88% YoY to ₹180.36, and Return on Equity sharply rose to 29.86%. Robust Capital Adequacy at 20.27% provides a strong base for future expansion and leveraging its high credit ratings.