Muthoot Capital Services Limited — PPTs, 16-07-2026: Investor Presentation

Muthoot Capital Services (MCSL) reported solid Q1 FY27 performance, with Total Assets Under Management (AUM) hitting ₹3,379 Cr, a 4.2% increase year-on-year. Profit After Tax (PAT) surged 58% quarter-on-quarter to ₹7.95 Cr.

A key highlight is the improved asset quality, as Gross NPAs dropped to 3.94% (down 182 basis points YoY) and Net NPAs to 2.36% (down 34 bps YoY). The MCSL Retail portfolio showed robust growth, expanding 23% YoY, driven by strong disbursements in Two-Wheelers and Used Cars. Portfolio yield remained stable at 21%.

MCSL's funding strategy is gaining traction, with its public deposit portfolio crossing ₹100 Cr in July 2026, marking a significant 113% YoY growth. The company maintains a strong CRISIL AA-/Stable credit rating. Key financial metrics include an EPS of ₹4.94, a Capital Adequacy Ratio (CRAR) of 22.07%, and an ROA of 1.35%.