Muthoot Finance
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Muthoot Finance

3,816.20
+8.00
(0.21%)
Market Cap
₹1,53,208.40 Cr
PE Ratio
21.17
Volume
5,56,394.00
Day High - Low
₹3,890.00 - ₹3,803.10
52W High-Low
₹3,868.00 - ₹1,965.00
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Key Fundamentals
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Market Cap
1,53,208.40 Cr
EPS
132.84
PB Ratio
4.66
Book Value
817.47
EBITDA
14,794.30
Dividend Yield
0.68 %
Sector
NBFC
Return on Equity
17.85
Debt to Equity
3.08
Analyst Rating and Forecast
- By Refinitiv from22 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+59.09 %
+59.09 %
Hold
Hold+18.18 %
+18.18 %
Sell
Sell+22.73 %
+22.73 %
Forecast For
Actual

Company News

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Caret
positive
Muthoot Finance delivered strong quarterly results with standalone profit after tax jumping 88% year-on-year to Rs. 4,391 crores for the half-year, while loan assets under management grew 47% to Rs. 1,32,305 crores. The company upgraded its gold loan growth guidance from 50% to 30%-35% for financial year 2026, citing favorable regulatory changes, higher gold prices, and tighter norms for unsecured credit as key growth drivers.
positive
Muthoot Finance reported an 88% surge in quarterly profit to Rs 2,345 crore driven by strong gold loan demand, with loan book expanding 42% to Rs 1,47,673 crore. The company upgraded its FY26 gold loan growth guidance to 30-35% from 15% and approved fundraising of up to Rs 35,000 crore via non-convertible debentures.
positive
Muthoot Finance Board Approves Rs 35,000 Crore Fundraising Through Non-Convertible DebenturesNov 13, 2025
Muthoot Finance Limited's Board of Directors approved fundraising up to Rs 35,000 crores by issuing Redeemable Non-Convertible Debentures through private placement in multiple tranches. The debentures are proposed to be listed on BSE or NSE, with specific terms including coupon rates, maturity dates, and security details to be decided by the Board or its Committee at the time of allotment.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
1,017.30
#1 6,33,013.08
33.89
#1 69,724.80
26.81
#1 16,780
23.27
48.08
298.90
1,89,895.40
116.23
2,078.90
12.09
1,613
0.86
47.99
973.45
1,83,106.71
18.27
41,859.50
19.61
9,423
7.47
80.56
3,816.20
#4 1,53,208.40
#3 21.17
#4 20,324.50
#4 34.04
#3 5,352
#2 82.54
60.93
1,699.40
1,42,987.35
30.53
26,152.80
34.67
4,260
19.82
48.27
867.85
82,579.78
42.99
18,637.10
6.60
1,916
9.99
49.00
5,194.80
57,716.23
28.65
8,563.00
17.53
1,813
11.90
70.72
390.50
54,278.37
21.71
18,530.50
16.03
2,261
45.15
65.36
2,917.90
49,559.10
#1 12.20
4,612.20
#1 76.63
4,241
-8.96
59.24
470.15
36,634.49
175.62
4,222.80
34.17
-98
#1 115.75
55.54
Growth Rate
Revenue Growth
34.04 %
Net Income Growth
19.80 %
Cash Flow Change
-94.96 %
ROE
2.88 %
ROCE
-11.11 %
EBITDA Margin (Avg.)
-4.19 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Revenue
1,786
1,821
1,906
2,089
2,072
2,406
2,595
2,634
2,607
2,824
3,016
3,119
2,963
3,065
3,168
3,041
2,804
2,842
3,031
3,298
3,509
3,632
3,843
4,179
4,493
4,957
5,222
5,653
6,485
7,333
Expenses
412
412
390
540
464
511
616
624
469
536
600
662
553
620
692
636
624
596
715
829
847
805
872
1,121
1,226
1,324
1,405
1,575
1,441
1,480
EBITDA
1,373
1,409
1,515
1,549
1,608
1,895
1,979
2,009
2,138
2,288
2,417
2,457
2,411
2,445
2,476
2,405
2,180
2,246
2,315
2,469
2,662
2,827
2,971
3,058
3,266
3,634
3,817
4,078
5,044
5,853
Operating Profit %
77 %
77 %
80 %
74 %
78 %
79 %
76 %
76 %
82 %
81 %
80 %
79 %
81 %
80 %
78 %
79 %
78 %
79 %
76 %
75 %
76 %
78 %
77 %
73 %
73 %
73 %
73 %
72 %
78 %
80 %
Depreciation
11
12
13
15
12
14
16
17
14
16
18
20
15
16
18
21
17
18
20
23
19
22
24
27
26
25
31
35
35
38
Interest
570
610
667
689
732
766
810
864
972
1,028
1,049
1,051
1,086
1,077
1,061
1,033
1,051
1,021
1,047
1,091
1,236
1,335
1,413
1,447
1,595
1,807
1,900
2,111
2,355
2,571
Profit Before Tax
793
787
835
845
864
1,116
1,153
1,128
1,152
1,244
1,351
1,385
1,310
1,352
1,397
1,352
1,112
1,207
1,249
1,355
1,407
1,470
1,534
1,585
1,646
1,802
1,886
1,932
2,654
3,244
Tax
275
272
313
297
300
208
292
292
294
314
344
361
331
349
353
346
287
305
315
346
362
375
389
403
450
481
495
488
680
833
Net Profit
518
515
522
549
563
909
861
836
858
931
1,007
1,024
979
1,003
1,044
1,006
825
902
934
1,009
1,045
1,095
1,145
1,182
1,196
1,321
1,392
1,444
1,974
2,412
EPS in ₹
12.82
12.73
12.84
13.53
13.88
22.46
21.28
20.68
21.28
23.09
25.15
25.42
24.37
24.98
25.91
24.85
20.41
22.22
23.11
24.25
25.46
26.39
27.49
28.37
28.99
31.67
35.36
36.81
50.22
60.29

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
26,996
27,395
32,184
33,672
41,735
54,882
68,641
76,317
80,149
96,470
1,32,860
Fixed Assets
269
235
257
251
259
314
327
342
386
482
682
Current Assets
26,486
26,839
30,996
966
2,478
6,824
8,600
10,763
8,532
6,903
8,985
Capital Work in Progress
7
11
10
6
23
29
39
52
68
89
13
Investments
16
34
81
177
211
630
809
523
546
713
2,401
Other Assets
26,705
27,114
31,836
33,237
41,242
53,909
67,467
75,399
79,150
95,187
1,29,764
Total Liabilities
26,996
27,395
32,184
33,672
41,735
54,882
68,641
76,317
80,149
96,470
1,32,860
Current Liabilities
13,908
15,181
20,047
16,047
18,650
18,159
19,978
17,201
17,178
22,669
26,206
Non Current Liabilities
7,976
6,554
5,527
9,695
13,011
24,722
32,904
39,978
40,818
48,047
76,660
Total Equity
5,113
5,660
6,610
7,930
10,074
12,001
15,760
19,138
22,153
25,754
29,993
Reserve & Surplus
4,686
5,223
6,139
7,457
9,531
11,428
15,174
18,384
21,264
24,706
28,965
Share Capital
398
399
400
400
401
401
401
401
401
402
402

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
-209
-1,036
664
-734
1,365
3,838
1,935
2,260
-2,229
-1,749
2,142
Investing Activities
21
-43
-177
-126
-162
-385
37
411
180
48
-1,375
Operating Activities
-479
108
-2,186
-1,432
-4,824
-4,970
-7,814
-1,596
-2,804
-13,606
-26,525
Financing Activities
249
-1,102
3,027
824
6,351
9,193
9,712
3,446
395
11,809
30,042

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
73.40 %
73.40 %
73.37 %
73.37 %
73.37 %
73.37 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
73.35 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
8.12 %
0.00 %
8.33 %
8.69 %
9.84 %
10.26 %
11.03 %
10.84 %
11.58 %
DIIs
6.18 %
7.30 %
7.85 %
8.04 %
9.27 %
10.08 %
10.91 %
12.02 %
12.66 %
13.73 %
14.65 %
14.04 %
14.71 %
14.55 %
13.31 %
12.99 %
11.74 %
12.21 %
11.37 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
3.43 %
3.29 %
3.61 %
3.83 %
3.74 %
4.02 %
4.16 %
3.83 %
3.97 %
3.65 %
3.39 %
3.26 %
3.06 %
2.89 %
3.03 %
2.94 %
3.28 %
3.05 %
3.15 %
Others
17.00 %
16.01 %
15.17 %
14.77 %
13.62 %
12.53 %
11.58 %
10.80 %
10.02 %
9.27 %
0.50 %
9.35 %
0.54 %
0.53 %
0.47 %
0.46 %
0.60 %
0.55 %
0.56 %
No of Share Holders
0
1,60,789
1,68,419
2,02,128
2,26,044
2,42,216
2,59,911
2,91,646
2,72,148
2,46,597
2,17,233
2,03,284
1,94,951
1,82,990
2,98,304
3,04,528
3,05,672
2,88,688
2,99,709

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 6 10 12 15 20 20 22 24 26
Dividend Yield (%) 0.00 1.47 1.62 1.96 1.24 1.5 2.05 1.49 1.01 0.68

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
23 Apr 2021 DIVIDEND Dividend
₹ 20.00 /share
22 Apr 2021 1,233.85 1,147.20
26 Apr 2022 DIVIDEND Dividend
₹ 20.00 /share
25 Apr 2022 1,336.05 1,277.20
18 Apr 2023 DIVIDEND Dividend
₹ 22.00 /share
18 Apr 2023 989.75 1,048.85
01 Jun 2024 DIVIDEND Dividend
₹ 24.00 /share
31 May 2024 1,707.85 1,683.45
30 Sept 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
30 Sept 2024 1,962.50 2,057.75
14 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
14 Nov 2024 1,913.35 1,770.30
12 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
12 Feb 2025 2,149.60 2,188.20
25 Apr 2025 DIVIDEND Dividend
₹ 26.00 /share
25 Apr 2025 2,111.60 2,150.50
14 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
14 May 2025 2,091.35 2,216.50
13 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Aug 2025 2,666.40 2,536.80
30 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
30 Aug 2025 2,660.40 2,637.80
13 Nov 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Nov 2025 3,183.80 3,324.90

Announcements

Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 20114 days ago
Closure of Trading Window4 days ago
Announcement under Regulation 30 (LODR)-Newspaper PublicationDec 02, 2025
Announcement Under Regulation 30 (LODR)-Updates On Mandatory Electronic Payment Of Dividend/Interest/Redemption.Nov 28, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 20, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 18, 2025
Clarification On Significant Increase In Volume Of Shares Of The CompanyNov 17, 2025
Clarification sought from Muthoot Finance LtdNov 17, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 13, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesNov 13, 2025
Announcement under Regulation 30 (LODR)-AcquisitionNov 13, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationNov 13, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 13, 2025
Board Meeting Outcome for Board Meeting OutcomeNov 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 07, 2025
Board Meeting Intimation for Board Meeting Intimation For Quarterly Financial Reulsts And Raising Of FundsNov 07, 2025
Announcement Under Regulation 30Oct 17, 2025
Rumour verification - Regulation 30(11)Oct 11, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 10, 2025
Pricing Of US$ 150 Mn Senior Secured NotesOct 06, 2025
Announcement Under Regulation 30Oct 06, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateOct 01, 2025
Announcement under Regulation 30 (LODR)-CessationSep 30, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 22, 2025
Closure of Trading WindowSep 20, 2025
Announcement Under Regulation 30 Of SEBI (LDOR) Regulations 2015Sep 13, 2025
Announcement under Regulation 30 (LODR)-Updates on AcquisitionSep 10, 2025
Settlement Of US$ 600 Mn ECBSep 03, 2025
Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of AssociationSep 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 02, 2025
Announcement under Regulation 30 (LODR)-Meeting UpdatesSep 02, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 02, 2025
Announcement Under Regulation 30 On Proceedings Of The 28Th Annual General Meeting On August 30 2025Aug 30, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 30, 2025
Announcement under Regulation 30 (LODR)-Updates on AcquisitionAug 28, 2025
Pricing Of US$ 600 Mn GMTNAug 26, 2025
General UpdatesAug 25, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 23, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 21, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 19, 2025
Clarification sought from Muthoot Finance LtdAug 18, 2025
Clarification On Significant Increase In The Volume Of Shares Of Muthoot Finance LimitedAug 18, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 14, 2025
Announcement under Regulation 30 (LODR)-AcquisitionAug 13, 2025
Announcement under Regulation 30 (LODR)-AcquisitionAug 13, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 13, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 13, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
SBI Flexicap Fund Direct-Growth
2.20%
-396000
-0.24%
-0.23%
SBI Banking & Financial Services Fund Direct-Growth
4.10%
310318
1.48%
0.87%
Motilal Oswal Business Cycle Fund Direct-Growth
4.20%
250000
4.20%
4.20%
Edelweiss Business Cycle Fund Direct-Growth
3.98%
-135536
-1.76%
-1.69%
HDFC Multi Cap Fund Direct - Growth
0.00%
-132624
-0.21%
-0.44%
Kotak Arbitrage Fund Direct-Growth
0.12%
-98725
-0.03%
0.06%
Tata Mid Cap Direct Plan-Growth
1.17%
-80000
-0.33%
-0.36%
Baroda BNP Paribas Multi Cap Fund Direct-Growth
0.00%
-70000
-0.72%
-1.35%
Axis Momentum Fund Direct - Growth
2.30%
51975
1.66%
1.66%
SBI Quant Fund Direct-Growth
2.68%
-44416
0.05%
0.01%
HDFC Dividend Yield Fund Direct - Growth
0.00%
-40000
-0.20%
-0.20%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.08%
-39050
-0.04%
-0.21%
Nippon India Arbitrage Fund Direct-Growth
0.06%
-39050
-0.07%
-0.26%
ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth
0.82%
-32891
-0.60%
-0.66%
Sundaram Multi-Factor Fund Direct-Growth
2.21%
30107
1.26%
1.25%
WhiteOak Capital Mid Cap Fund Direct - Growth
3.38%
-29590
0.09%
-0.20%
360 ONE Quant Fund Direct - Growth
3.46%
-26115
-0.61%
-0.61%
Mirae Asset Arbitrage Fund Direct - Growth
0.35%
-23925
-0.20%
-0.73%
Aditya Birla Sun Life Quant Fund Direct-Growth
3.06%
-22861
0.21%
-0.04%
Tata Retirement Savings Fund Progressive Plan Direct-Growth
2.30%
-20000
0.03%
0.03%
Samco Multi Cap Fund Direct-Growth
1.07%
-19761
-1.56%
-1.49%
Edelweiss Aggressive Hybrid Fund Direct - Growth
1.63%
-19240
0.02%
0.00%
Tata Retirement Savings Fund Moderate Plan Direct-Growth
2.02%
-15000
0.08%
0.09%
Nippon India Active Momentum Fund Direct-Growth
1.58%
12962
1.58%
1.58%
Motilal Oswal Large and Midcap Fund Direct - Growth
3.96%
-12916
0.51%
0.50%

Technical Indicators

RSI(14)
Neutral
60.93
ATR(14)
Less Volatile
71.24
STOCH(9,6)
Neutral
50.29
STOCH RSI(14)
Neutral
26.90
MACD(12,26)
Bearish
-17.62
ADX(14)
Strong Trend
32.60
UO(9)
Bearish
57.29
ROC(12)
Uptrend And Accelerating
0.21
WillR(14)
Neutral
-33.28

About Muthoot Finance

Muthoot Finance Limited is India's largest gold financing company, headquartered in Kerala. It provides personal and business loans secured by gold jewelry, primarily to individuals who may not have access to formal credit. The company operates through a network of 5,838 branches across 29 states and union territories. Muthoot Finance has several subsidiaries, including Muthoot Insurance Brokers, Muthoot Homefin, Belstar Microfinance, and Asia Asset Finance PLC. The company offers various gold loan schemes and additional services such as housing finance, personal loans, SME loans, vehicle loans, mutual funds, and money transfer. As of March 31, 2023, Muthoot Finance had a loan portfolio of Rs. 14,381 million. The company is licensed as an NBFC by the Reserve Bank of India and has been in operation for over 70 years, evolving from a family business established in 1939.
Listing Date
06 May, 2011(14 Years, 18 days)
Chairperson NameGeorge Jacob Muthoot