Muthoot Microfin Ltd

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

Muthoot Microfin will hold a meeting of the Board of Directors of the Company on 9 February 2026.Powered by Capital Market - Live

 Muthoot Microfin has allotted 75,000 senior, secured, rated, listed, redeemable, transferable non convertible debentures each having a face value of Rs. 10,000 of the aggregate nominal value of up to Rs. 75 crore on private placement basis on 06 January 2026. Powered by Capital Market - Live

The company stated that the growth in the individual loan portfolio has been supported by disciplined underwriting, focused execution at the ground level, and a sustained emphasis on portfolio quality, complementing its core microfinance operations. As on 30 September 2025, the company had 3.36 million active customers served through a network of 1,718 branches spread across 21 states and union territories and 392 districts, with a strong focus on rural and semi-urban markets. Thomas Muthoot, chairman and non-executive director, Muthoot Microfin, said: 'These achievements mark an important milestone in our growth journey. While microfinance remains the foundation of our business, our calibrated expansion into individual lending is aimed at building a more resilient and balanced portfolio.' 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 micro loans such as income generating loans to women engaged in small businesses. The company's standalone net profit declined 50.5% to Rs 30.52 crore on 12.9% fall in total income to Rs 577.39 crore in Q2 FY26 over Q2 FY25. The scrip fell 1.64% to currently trade at Rs 170.85 on the BSE. Powered by Capital Market - Live

Muthoot Microfin today announced a significant business milestone, with its Individual Loan portfolio AUM crossing Rs. 1000 crore, while the Company's overall AUM has surpassed Rs. 13,000 crore. The milestone reflects Muthoot Microfin's steady progress in strengthening its diversified lending portfolio, while microfinance continues to remains foundation of the Company's business. The growth in the Individual Loan portfolio has been supported by disciplined underwriting, focused execution at the ground level, and a sustained emphasis on portfolio quality, complementing its core microfinance operations. Muthoot Microfin continues to demonstrate stable operating performance, supported by improving disbursement momentum, strong customer engagement, and consistent collection efficiency. As on 30th September 2025, the Company had 3.36 million active customers served through a network of 1,718 branches spread across 21 states and Union Territories and 392 districts, with a strong focus on rural and semi-urban markets.Powered by Capital Market - Live