Muthoot Finance announced robust financial results for the nine months ended December 31, 2025 (9M FY26). The company achieved a significant milestone as its Consolidated Loan AUM crossed ₹1.5 Trillion, alongside its Market Capitalisation also crossing the same mark. Consolidated Profit After Tax (PAT) for the period soared by 84% YoY to ₹7,209 Crores. Standalone PAT also demonstrated high growth, increasing by 91% YoY to ₹7,048 Crores.
Financial Highlights for 9M FY26
Muthoot Finance Ltd. declared its Unaudited Financial Results for the 9 months ended December 31, 2025. The period was marked by significant achievements across key metrics, underlining strong business momentum.
Consolidated Performance Milestones
- Highest Ever Consolidated Loan AUM: ₹1,64,720 Crores, marking a 48% YoY Increase.
- Highest Ever Consolidated Profit After Tax (PAT) in 9 Months of any Year: ₹7,209 Crores, a massive 84% YoY Increase.
- The Consolidated Loan AUM and Market Capitalisation both crossed ₹1.5 Trillion.
Standalone Performance Highlights (MFIN)
- Highest Ever Standalone Loan AUM: ₹1,47,552 Crores, growing by 51% YoY.
- Highest Ever Standalone PAT in 9 Months of any Year: ₹7,048 Crores, up 91% YoY.
- Highest Ever Gold Loan AUM reached ₹1,39,658 Crores, showing a 50% YoY increase.
- The Average Gold Loan AUM Per Branch reached an all-time high of ₹28.10 Crores.
- Gold Loan Disbursement to New Customers increased by 32% YoY, reaching ₹20,737 Crores across 13,13,710 Customers.
- Total gold content in jewellery held as security stands at 205 Tonnes, valued at ₹2,501 Billion.
Subsidiary Performance Review
Muthoot Homefin (India) Ltd
The housing finance subsidiary reported healthy growth:
- Loan AUM increased by 24% YoY to ₹3,380 Crores.
- Total Revenue grew by 38% YoY to ₹339 Crores.
Muthoot Money Ltd
Muthoot Money demonstrated exceptional turnaround performance:
- Loan AUM saw a staggering 168% YoY increase to ₹8,003 Crores.
- Total Revenue surged by 222% YoY to ₹862 Crores.
- The company achieved a Profit Turnaround, posting a profit of ₹203 Crores against a loss of ₹2 Crores in the previous corresponding period.
Asia Asset Finance PLC, Sri Lanka
The Sri Lankan subsidiary also showed positive momentum:
- Loan AUM increased by 49% YoY (LKR 4,224 Crores).
- Profit After Tax rose by 36% YoY (LKR 68 Crores).
- The branch network expanded by 11% YoY, adding 111 Branches.
Management Commentary and Strategic Focus
Mr. George Jacob Muthoot, Chairman, The Muthoot Group, expressed satisfaction, noting that the Consolidated Loan AUM crossing ₹1,64,000 crores highlights confidence in the core secured gold loan business, which is increasingly relevant due to higher gold prices and disciplined underwriting.
Mr. George Alexander Muthoot, Managing Director, Muthoot Finance, highlighted the historic YoY growth of ₹50,065 Crores in Standalone Loan AUM, driven by robust 50% YoY growth in the core gold loan portfolio. He emphasized the increasing acceptance of gold loans across diverse customer segments.
Other Key Highlights
The Group opened 150 new branches in 9M FY26. Furthermore, key CSR initiative Muthoot Smart Classrooms was recognized with a ‘Best Project under Education and Literacy’ award at the Rotary India National CSR Awards.
Detailed Subsidiary Financials Summary
Belstar Microfinance (BML)
BML’s Loan AUM reached ₹7,911 Crores. Despite sector headwinds, the company achieved a significant turnaround in Q3 FY26, posting a Profit After Tax of ₹51 crores, partially offsetting H1 losses.
Muthoot Homefin (MHIL) Key Ratios (9M FY26 vs 9M FY25)
| Parameter | 9M FY26 | 9M FY25 | YoY % |
| Loan AUM | ₹3,380 crores | ₹2,720 crores | ~24% |
| Interest Income | ₹274 crores | ₹194 crores | ~41% |
| Profit After Tax | ₹19 crores | N/A | N/A |
Muthoot Money (MML) Key Ratios (9M FY26 vs 9M FY25)
| Parameter | 9M FY26 | 9M FY25 | YoY % |
| Loan AUM | ₹8,003 crores | ₹2,982 crores | ~168% |
| Total Revenue | ₹862 Crores | ₹268 Crores | ~222% |
| Profit After Tax | ₹203 crores | Loss of ₹2 crores | Turnaround |
Muthoot Insurance Brokers (MIBPL)
MIBPL generated total premium collections of ₹329 Crores in 9M FY26 and achieved a PAT of ₹23 Crores.
Source: BSE
