Muthoot Finance Posts Record Q1 FY26 Performance with ₹1.34 Trillion Loan AUM and 90% Surge in Profit..
Varahimedia.com,Kochi, August 13, 2025: Muthoot Finance Ltd., India’s largest gold financing company by loan portfolio, has delivered its strongest-ever quarterly performance in Q1 FY26,
Varahimedia.com,Kochi, August 13, 2025: Muthoot Finance Ltd., India’s largest gold financing company by loan portfolio, has delivered its strongest-ever quarterly performance in Q1 FY26, achieving record highs across key business metrics.
Key Consolidated Highlights
- Highest Ever Consolidated Loan AUM: ₹1,33,938 crore as of June 30, 2025 (up 37% YoY; ₹35,891 crore growth).
- Record Profit After Tax (PAT): ₹1,974 crore, up 65% YoY.
- Robust Quarterly Growth: Loan AUM rose 10% QoQ (₹11,757 crore).
- Market Cap Milestone: Crossed ₹1 trillion.
- Branch Expansion: 22 new branches added in Q1 FY25.
- Marketing Excellence: Won 6 E4M Golden Mikes Awards, including Best Integrated TV Campaign.
Standalone Muthoot Finance Performance
- Standalone Loan AUM: ₹1,20,031 crore (up 42% YoY; ₹11,383 crore QoQ growth).
- Standalone PAT: ₹2,046 crore, up 90% YoY.
- Gold Loan AUM: ₹1,13,194 crore as of March 31, 2025 (up ₹32,272 crore; 40% YoY).
- Operational Metrics:
- Return on Average Equity: 28.28% (vs 17.73% last year)
- Return on Average Loan Assets: 7.16% (vs 5.39% last year)
- Average Gold Loan per Branch: ₹23.21 lakh (up 39%)
- Employee strength: 30,451 (+9% YoY)
Subsidiary Highlights
Belstar Microfinance
- Loan AUM: ₹7,707 crore; Stage 3 Loan Assets at 4.44%.
- Opened 10 gold loan branches for diversification.
- Introduced customer color-coding & risk-based scoring systems.
Muthoot Homefin
- Loan AUM: ₹3,096 crore (up 41% YoY).
- Interest income grew 49% YoY to ₹86 crore.
Muthoot Money
- Loan AUM surged to ₹5,000 crore (up 202% YoY).
- GNPA reduced to 0.96% from 1.67% YoY.
Muthoot Insurance Brokers
- Premium collection: ₹121 crore; PAT: ₹11 crore.
Asia Asset Finance (Sri Lanka)
- Loan portfolio: LKR 3,492 crore (up from LKR 2,335 crore YoY).
- PAT: LKR 18 crore (vs LKR 12 crore last year).
Management Commentary
Mr. George Jacob Muthoot, Chairman, said the record-breaking results were driven by robust growth in the gold loan segment, strong customer trust, and strategic investments in technology. He emphasized gold loans’ critical role in enabling quick and affordable credit as India’s economy expands.
Mr. George Alexander Muthoot, MD, highlighted the company’s focus on disbursement growth, operational efficiency, and healthy margins. He noted that digital transformation initiatives are enhancing customer experience and operational speed, with supportive RBI regulations and interest rate cuts creating a favorable credit environment.
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