**Business Performance:** Muthoot Finance kicked off Q1 FY27 strong! Consolidated Loan AUM jumped 43% YoY to ₹191,532 Cr, with standalone AUM also up 43% YoY to ₹172,053 Cr. Profit After Tax soared, with consolidated PAT at ₹2,825 Cr (up 43% YoY) and standalone PAT at ₹2,550 Cr (up 25% YoY). Gold Loan AUM, the core driver, grew 44% YoY to ₹163,298.5 Cr, showing broad-based growth across regions, especially the South.
**Growth Drivers & Strategy:** Powering this growth are 6.58 million active customers and a strategic blend of 7,654 branches with robust digital platforms. The iMuthoot App is crucial, handling 5.1 million transactions for repayments and top-ups, driving the shift to formal credit. Subsidiaries like Muthoot Money (111% YoY AUM growth in gold loans) and Belstar Microfinance (turning a loss into ₹66.1 Cr profit) also contribute significantly.
**Recent Developments:** Gold loan disbursements to new customers surged 41% YoY to ₹8,937 Cr, reflecting strong customer acquisition. The company reinforces its leadership as India's most trusted financial services brand.
**Key Financial Metrics:** Quarterly EPS hit ₹63.53 (up 39% YoY), and Return on Equity (ROE) stood at 26.60%. The loan book remains highly secured, with 92% backed by gold, showcasing strong asset quality.
**Management Commentary / Outlook:** Management emphasizes unwavering trust and prudent growth, leveraging gold-backed financing to empower individuals. They anticipate continued momentum from increasing formalization and strategic digital expansion.