Muthoot Finance Limited (MUTHOOTFIN) — Financial Results | 13 November 2025(4 announcements)

Muthoot Finance Limited reported H1 FY2026 net profit of ₹43,914.69 crores with Q2 standalone net profit of ₹23,451.70 crores. Half-year profit before tax surged to ₹58,969.31 crores from ₹34,474.80 crores YoY, reflecting 71% growth. Total assets reached ₹1,474,677.58 crores as of September 30, 2025. The company maintains strong capital adequacy at 20.89% and net profit margin of 36.05%. Stage III loan assets remain low at 1.86% of gross loans, indicating healthy asset quality.

Muthoot Finance reported consolidated profit after tax of ₹4,386 crores in H1 FY26, up 74% YoY, with consolidated loan AUM reaching ₹1,47,673 crores, growing 42% YoY. Standalone PAT surged 88% YoY to ₹4,391 crores, while gold loan AUM hit ₹1,24,918 crores, up 45% YoY. The company raised USD 600 million via bond issuance and received a Fitch upgrade from BB to BB+. Key subsidiaries showed strong momentum: Muthoot Money swung to ₹106 crore profit from a prior loss, growing loan AUM 182% YoY to ₹6,393 crores.

Muthoot Finance Limited disclosed an audio recording of its analyst call held on November 13, 2025, discussing unaudited consolidated and standalone financial results for Q2 FY2026 (quarter ended September 30, 2025). The recording was uploaded to the company website at 7:30 PM on November 13, 2025, per SEBI Listing Regulations requirements.

Muthoot Finance delivered exceptional H1 FY2026 performance with consolidated loan AUM reaching ₹1,47,673 crores (42% YoY growth) and consolidated PAT of ₹4,386 crores (74% YoY growth). Standalone PAT surged 88% YoY to ₹4,391 crores. Gold loans, the core business, grew 45% YoY to ₹1,24,918 crores. Digital momentum accelerated with iMuthoot app contributing 33% of gold loan repayments (215% YoY growth). Fitch upgraded ratings to BB+; capital adequacy stands at 20.89%. Subsidiary Muthoot Money achieved 182% AUM growth with turnaround to ₹106 crores profit.