Muthoot Microfin Limited — PPTs, 06-05-2026: Investor Presentation

Muthoot Microfin reported strong Q4 FY26 results. AUM grew 13.3% YoY to ₹14,005.6 Cr. Q4 Profit After Tax (PAT) surged 117.7% YoY to ₹71.1 Cr, leading to a full-year PAT of ₹170.3 Cr (up 176.5% YoY). Gross NPA improved to 3.89% and Net NPA to 1.14%, reflecting a focus on quality-led growth.

The company is strategically diversifying into individual, gold, and Micro-LAP loans, with Non-JLG AUM reaching ₹2,387 Cr. Digital collections are robust, contributing 34% of total collections (₹688.7 Cr). Recent developments include an e-KYC Licence and expansion into Assam. The company also secured a 'BB-/Stable' rating for its dollar bonds and a high CareEdge-ESG Rating 1+.

For FY27, management projects AUM growth of 12-15%, with Net Interest Margin (NIM) improving to 12.3-12.5%. Return on Assets (RoA) is expected to reach 2.5-3.0% and Return on Equity (RoE) 12-15%, driven by continued portfolio growth and strong margins.