Muthoot Microfin Ltd

The company's AUM stood at Rs 14,457 crore as of 30 June 2026, up 18% from a year earlier and 3% higher than 31 March 2026, reflecting continued portfolio expansion. Disbursements during the first quarter of FY27 rose 49% YoY to Rs 2,645 crore. During the quarter, the company also commenced gold loan disbursements under a referral and co-lending arrangement with its parent, Muthoot Fincorp, disbursing Rs 192.86 crore. The loan portfolio continued to diversify, with the joint liability group (JLG) and non-JLG mix improving to 76:24 as of 30 June 2026 from 83:17 as of 31 March 2026. The Small and Micro Enterprise Individual Loan portfolio increased to Rs 3,214 crore while maintaining near-zero delinquency. On the asset quality front, collection efficiency improved to 97.97% in Q1 FY27 from 93.00% in Q1 FY26 and 96.43% in Q4 FY26. X-Bucket collection efficiency stood at 99.89%, reflecting sustained collection discipline. As of June 30, 2026, the company maintained a robust liquidity of 1,310 crore through diversified funding sources and un-availed sanctioned credit lines amounting to Rs 3,485 crore, providing adequate financial flexibility to support future business growth. During the quarter, the company further strengthened its funding profile by raising a total of Rs 2,664 crore. The company outlined its long-term strategic roadmap, targeting assets under management (AUM) of Rs 30,000 crore by FY30. It also aims to transition its loan portfolio to a 53.4% joint liability group (JLG) and 46.6% non-JLG mix by the end of the decade. Further, the company is targeting a return on assets (RoA) of over 5% and a return on equity (RoE) of more than 20% by FY30. It also plans to increase digital collections, with a target of achieving 75% digital collections by 2030. As of 30 June 2026, Muthoot Microfin operated 1,671 branches and served 33 lakh active customers. During the quarter, the company expanded its presence across existing and newly entered markets, including Telangana, Andhra Pradesh and Assam. Muthoot Microfin is a part of Muthoot Pappachan Group (also known as Muthoot Blue) and is one of the leading listed MFIs in India. It provides financial assistance through microloans, such as income-generating loans, to women engaged in small businesses. The company reported standalone net profit of Rs 71.12 crore in Q4 FY26 compared with net loss of Rs 401.15 crore in Q4 FY25. Total income jumped 14.9% YoY to Rs 638.90 crore in Q4 FY26.Powered by Capital Market - Live

Muthoot Microfin announced that the 34th Annual General Meeting(AGM) of the company will be held on 11 August 2026.

Muthoot Microfin will hold a meeting of the Board of Directors of the Company on 30 June 2026.

Muthoot Microfin has received upgrade in credit ratings assigned to the Company's long term credit facilities, NCDs to 'Crisil AA-/Stable' from 'Crisil A+/Positive' and has re-affirmed its 'Crisil A1+' ratings on the Commercial Papers.

Net profit of Muthoot Microfin reported to Rs 71.12 crore in the quarter ended March 2026 as against net loss of Rs 401.15 crore during the previous quarter ended March 2025. Sales rose 13.83% to Rs 631.81 crore in the quarter ended March 2026 as against Rs 555.03 crore during the previous quarter ended March 2025. For the full year,net profit reported to Rs 170.27 crore in the year ended March 2026 as against net loss of Rs 222.52 crore during the previous year ended March 2025. Sales declined 7.50% to Rs 2369.57 crore in the year ended March 2026 as against Rs 2561.69 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Sales631.81555.03 14 2369.572561.69 -8 OPM %52.56-52.25 -47.0726.60 - PBDT107.60-510.53 LP 252.05-246.06 LP PBT96.93-521.71 LP 208.92-288.90 LP NP71.12-401.15 LP 170.27-222.52 LP Powered by Capital Market - Live

Muthoot Microfin has allotted 7028 listed, rated, secured, redeemable non-convertible debentures (NCDs), having face value of Rs 1,00,000 for an aggregate nominal value of Rs 70.28 crore on private placement basis.

Disbursements rose 6% YoY to Rs 9,418 crore in FY26 from Rs 8,872 crore in FY25. Collection efficiency improved to 96.43% in Q4 FY26 from 93.07% in Q4 FY25, marking a rise of 336 basis points. The company said FY26 marked a return to normalized business momentum, with performance improving year-on-year and trending ahead of initial guidance across key parameters. The microfinance operating environment showed progressive stabilization during the year, despite transient disruptions in select states such as Bihar linked to legislative developments. AUM growth was supported by a calibrated pickup in disbursements, with Q4 monthly run-rate scaling above pre-FY25 levels. The company's diversification into individual loans, micro-LAP, and gold loans progressed as per its roadmap, with increasing contribution from non-JLG products and a foray into secured products. The JLG and non-JLG mix improved from 97:3 in March 2025 to 83:17 in March 2026. The small and micro enterprise individual loan portfolio grew to Rs 2,387 crore with near-zero delinquency. The branch network stood at 1,670 as of March 31, 2026, compared with 1,699 a year earlier, reflecting a decline of 1.71% YoY following the consolidation of 91 branches. The company expanded into Assam and strengthened its presence in Telangana and Andhra Pradesh. Active customers stood at 33 lakh. Asset quality improved, with gross non-performing assets (GNPA) declining 95 basis points to 3.89% in FY26 from 4.84% in FY25. Credit cost declined sharply by 590 basis points to 3.5% from 9.4%. Funding strengthened during the year, with total borrowings rising 29.31% YoY to Rs 9,537 crore from Rs 7,375 crore in FY25. This included Rs 3,290 crore through PTCs at an average cost of 9.1%, Rs 865 crore via secured listed NCDs, and Rs 133 crore through ECBs. The borrowing cost declined 75 basis points to 10.27% in Q4 FY26 from 11.02% in Q4 FY25. Muthoot Microfin is a part of Muthoot Pappachan Group (also known as Muthoot Blue) and is one of the leading listed MFIs in India. It provides financial assistance through microloans, such as income-generating loans, to women engaged in small businesses.

Muthoot Microfin will hold a meeting of the Board of Directors of the Company on 6 May 2026.

Muthoot Microfin will hold a meeting of the Board of Directors of the Company on 8 April 2026.

Net profit of Muthoot Microfin rose 1543.16% to Rs 62.44 crore in the quarter ended December 2025 as against Rs 3.80 crore during the previous quarter ended December 2024. Sales declined 11.45% to Rs 602.81 crore in the quarter ended December 2025 as against Rs 680.78 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Sales602.81680.78 -11 OPM %49.5737.11 - PBDT79.5416.00 397 PBT69.105.06 1266 NP62.443.80 1543 Powered by Capital Market - Live