Muthoot Finance Limited — PPTs, 14-05-2026: Investor Presentation

Here's a concise summary of the investor presentation:

**1. Business Performance:**

Muthoot Finance reported robust FY26 results. Consolidated AUM grew 10% to ₹1,81,916 crore. Profit after tax (PAT) nearly doubled, with consolidated PAT up 98% to ₹10,607 crore and standalone PAT rising 95% to ₹10,134 crore. Gold Loan AUM expanded 11%, attracting 1.77 million new customers.

**2. Growth Drivers or Strategy:**

Growth is driven by its leading 47% NBFC gold loan market share, customer trust, and India's shift to formal credit. Key strategies include expanding gold loans for working capital and adopting a strong "phygital" customer approach.

**3. Recent Developments:**

Digital transformation is key. The iMuthoot app boasts 25 million downloads (6M active users, +75% YoY). Digital channels now handle 71% of gold loan top-ups, 42% of interest repayments, and all unsecured cross-sell.

**4. Key Financial Metrics:**

FY26 EPS was ₹252.43, and Return on Equity (RoE) hit 30.63%. Its portfolio is highly secure, 95% backed by gold.

**5. Management Commentary / Outlook:**

Management views gold loans as central to India's financial formalization, eyeing immense untapped potential in the projected ₹16 lakh crore organized market.