Muthoot Finance announced strong unaudited financial results for the half-year ended September 30, 2025. Consolidated Loan AUM increased by 42% YoY to ₹1,47,673 Crores. Consolidated Profit After Tax rose by 74% YoY to ₹4,386 Crores. The company upgraded its FY26 gold loan growth guidance. Fitch Ratings upgraded the debt rating from ‘BB’ to ‘BB+’.
Key Financial Highlights
Muthoot Finance reported significant growth in its unaudited financial results for H1 FY26:
- Consolidated Loan AUM: Increased by 42% YoY, reaching ₹1,47,673 Crores.
- Consolidated Profit After Tax: Grew by 74% YoY, totaling ₹4,386 Crores.
- Standalone Loan AUM: Increased by 47% YoY to ₹1,32,305 Crores.
- Gold Loan AUM: Saw a 45% YoY increase, reaching ₹1,24,918 Crores.
- Standalone Profit After Tax: Increased by 88% YoY to ₹4,391 Crores.
- Average Gold Loan AUM Per Branch: Stood at ₹25.15 Crores.
- Gold Loan Disbursement to New Customers: Reached ₹13,183 Crores, serving 8,90,920 customers.
- Quantity of Gold Held: Increased from 199 Tonnes to 209 Tonnes YoY.
Subsidiary Performance
Muthoot Finance’s subsidiaries also demonstrated strong performance:
Muthoot Homefin (India) Ltd
- Loan AUM increased by 33% YoY to ₹3,247 Crores.
- Total Revenue increased by 44% YoY to ₹222 Crores.
Muthoot Money Ltd
- Loan AUM increased by 182% YoY to ₹6,393 Crores.
- Total Revenue increased by 244% YoY to ₹501 Crores.
- Recorded a profit of ₹106 Crores, a turnaround from last year’s loss of ₹5 Crores.
Asia Asset Finance PLC, Sri Lanka
- Loan AUM increased by 48% YoY to LKR 3,868 Crores.
- Profit After Tax increased by 33% YoY to LKR 40 Crores.
Other Key Highlights
- Raised USD 600 million through global issuance of bonds.
- Opened 133 new branches.
Management Commentary
Mr. George Jacob Muthoot, Chairman, expressed pleasure in the sustained growth momentum, driven by the core gold loan business. Mr. George Alexander Muthoot, Managing Director, highlighted the steady trajectory and upgraded the FY26 gold loan growth guidance. He also noted the focus on expanding non-gold loan portfolio while maintaining a reasonable level of non-gold AUM.
Source: BSE
