Muthoot Finance announced robust financial results for the quarter and nine months ended December 31, 2025. Key highlights include the Consolidated Loan AUM crossing the ₹1.5 Trillion mark, reaching ₹1,64,720 Crores (a 48% YoY increase). Standalone Profit After Tax (PAT) for 9M FY26 soared by 91% YoY to ₹7,048 Crores, demonstrating strong operational efficiency and successful growth strategies across the Group.
Financial Performance Highlights (9M FY 2026)
Muthoot Finance Limited reported significant growth for the nine months ended December 31, 2025. The Consolidated Profit After Tax (PAT) reached ₹7,209 Crores, marking an 84% YoY increase. On a standalone basis, PAT grew by 91% YoY to ₹7,048 Crores.
Key Consolidated Growth Figures (9M FY26 vs 9M FY25):
- Consolidated Loan Assets Under Management (AUM): Grew 48% to ₹1,64,720 Crores (from ₹1,11,308 Crores).
- Consolidated Profit After Tax: Grew 84% to ₹7,209 Crores (from ₹3,908 Crores).
Standalone Performance Milestones (9M FY26 vs 9M FY25):
- Standalone Loan AUM: Grew 51% YoY to ₹1,47,552 Crores.
- Standalone Profit After Tax: Grew 91% YoY to ₹7,048 Crores.
Operational and Portfolio Metrics
The core gold loan business demonstrated significant scaling. The Gold Loan AUM reached an all-time high of ₹1,39,658 Crores, reflecting a 50% YoY increase. Furthermore, the average gold loan AUM per branch reached a record high of ₹28.10 Crores.
The company reported high liquidity and portfolio safety:
- Value of Gold Content in Jewellery held as security stood at 205 Tonnes, valued at ₹2,501 Billion.
- The Capital Adequacy Ratio (Standalone) remained strong at 20.27% as of December 31, 2025, well above the statutory requirement.
Subsidiary Performance Highlights
The subsidiaries showed strong contribution and positive momentum:
Muthoot Homefin (India) Ltd (MHIL)
Loan AUM increased by 24% YoY to ₹3,380 Crores in 9M FY26. Total Revenue saw a 38% YoY increase to ₹339 Crores.
Muthoot Money Ltd (MML)
MML achieved substantial growth, with Loan AUM increasing 168% YoY to ₹8,003 Crores. The subsidiary demonstrated a major turnaround, achieving a Profit After Tax of ₹203 Crores against a loss last year.
Asia Asset Finance PLC, Sri Lanka
Loan AUM grew by 49% YoY to LKR 42,240 Crores. Profit After Tax increased by 36% YoY to LKR 68 Crores. The branch network expanded by 11% YoY to 111 Branches.
Belstar Microfinance Limited (BML)
BML showed a significant recovery, posting a Profit After Tax of ₹51 Crores in Q3 FY26, partially offsetting losses from earlier in the fiscal year. Collection Efficiency improved to 99.64% in 9M FY26.
Management Commentary
Mr. George Jacob Muthoot, Chairman, highlighted that the Consolidated Loan AUM crossing ₹1.64 Trillion was driven by the sustained relevance of secured gold loans in the current economic environment, supported by disciplined underwriting and operational efficiency.
Mr. George Alexander Muthoot, Managing Director, expressed delight over the 91% YoY growth in Standalone PAT, emphasizing the increasing acceptance of gold loans as a convenient and trusted credit solution for a diverse customer base.
Source: BSE
