Muthoot Finance (MUTHOOTFIN) investor relations material

Executive summary

• Achieved record consolidated gold loan AUM of ₹1,81,916 Cr (INR 165,000 crores), up 49–54% year-over-year, with consolidated profit after tax at ₹10,607 Cr, up 98% year-over-year.

• Standalone profit after tax reached ₹10,134 Cr, a 95% increase year-over-year, with standalone AUM at ₹1,62,826 Cr, up 50% year-over-year.

• Declared highest dividend of 300% (₹30 per share), marking the 14th consecutive year of dividends.

• Expanded branch network to 7,568 locations, serving 6.41 million active customers and processing over 2 lakh daily transactions.

• Board recommended re-appointments and a new appointment to key director positions, subject to shareholder approval at the AGM.

Financial highlights

• Consolidated revenue from operations for FY26 was ₹312,092.32 million, up from ₹202,141.65 million in FY25; consolidated interest income grew 54% year-over-year to ₹3,03,709 Mn.

• Standalone revenue from operations for FY26 was ₹275,582.49 million, up from ₹170,990.93 million in FY25.

• Net worth stood at ₹37,742 Cr, with a capital adequacy ratio of 20.75% as of March 31, 2026.

• Earnings per share (EPS) for FY26 stood at ₹252.43 (standalone), up from ₹129.54 in FY25.

• Return on equity reached 30.63%, and book value per share was ₹940.05.

Outlook and guidance

• Maintains 15% AUM growth guidance for standalone and consolidated business for the next fiscal, to be reviewed after Q2.

• Gold loan market projected to grow 33–36% year-over-year, with significant untapped potential as only a fraction of household gold is collateralized.

• Expansion into underserved geographies and digital transformation expected to drive future growth.

• No deviations in the use of proceeds from non-convertible debentures; all funds utilized as disclosed.

• The company continues to monitor regulatory changes, especially regarding new labour codes, and will adjust accounting as needed.