| 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 |
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 |
| 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 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Muthoot Finance
2,598.70
+43.70
(1.71%)
Market Cap
1,04,328.42 Cr
EPS
107.72
PE Ratio
19.21
Dividend Yield
1.02 %
Industry
Financial Services52 Week High
2,598.00
52 Week Low
1,664.60
PB Ratio
3.49
Debt to Equity
2.65
Sector
NBFC
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from21 analysts
Company News
View All News
Muthoot Finance: Conservative Approach to New LTV Ratios4 days ago
Muthoot Finance plans to maintain conservative loan-to-value (LTV) ratios despite RBI raising it to 85% for loans up to Rs 2.5 lakh. The company's actual LTV is currently 58%. They expect to implement new gold loan norms from April 1, 2026, and anticipate only a 50-basis-point increase in loan growth due to RBI's repo rate and CRR cut.
George Alexander of Muthoot Finance has stated that over 80% of their loans are below ₹2.5 lakhs. This information provides insight into the company's loan portfolio, suggesting a focus on smaller loan amounts.
Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
9,331.00 | #1 5,78,408.77 | 34.97 | #1 54,982.50 | 32.75 | #1 14,451 | 18.85 | 54.79 | |
294.05 | 1,86,814.13 | 116.46 | 1,854.70 | #1 4,039.96 | 1,605 | 1.77 | 62.08 | |
1,553.80 | 1,30,661.65 | 31.21 | 19,419.90 | 48.18 | 3,411 | 18.24 | 45.74 | |
667.15 | 1,25,449.81 | 15.12 | 36,413.00 | 19.35 | 7,391 | 6.06 | 51.91 | |
2,598.70 | #5 1,04,328.42 | #4 19.21 | #6 15,162.70 | #7 26.62 | #3 4,468 | #1 22.13 | 75.92 | |
1,007.00 | 95,801.34 | 49.73 | 17,483.50 | 22.39 | 2,408 | -19.35 | 69.44 | |
5,022.50 | 55,801.91 | 29.66 | 7,285.50 | 31.41 | 1,422 | 17.06 | 47.19 | |
2,448.80 | 41,591.67 | #1 10.00 | 2,611.20 | 381.77 | 4,285 | 14.67 | 66.25 | |
270.50 | 37,598.72 | 16.86 | 15,970.30 | 24.45 | 1,943 | -31.97 | 54.34 | |
416.60 | 32,411.91 | 173.32 | 3,147.30 | 56.71 | 1,652 | -81.22 | 60.47 |
Forecast
Actual
Growth Rate
Revenue Growth
26.62 %
Net Income Growth
21.74 %
Cash Flow Change
-390.50 %
ROE
4.71 %
ROCE
6.76 %
EBITDA Margin (Avg.)
-1.22 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 26,996 | 27,395 | 32,184 | 33,672 | 41,735 | 54,882 | 68,641 | 76,317 | 80,149 | 96,469 |
| Fixed Assets | 269 | 235 | 257 | 251 | 259 | 314 | 327 | 342 | 386 | 482 |
| Current Assets | 26,486 | 26,839 | 30,996 | 966 | 2,478 | 6,824 | 8,600 | 10,763 | 8,532 | 6,902 |
| Capital Work in Progress | 7 | 11 | 10 | 6 | 23 | 29 | 39 | 52 | 68 | 89 |
| Investments | 16 | 34 | 81 | 177 | 211 | 630 | 809 | 523 | 546 | 713 |
| Other Assets | 26,705 | 27,114 | 31,836 | 33,237 | 41,242 | 53,909 | 67,467 | 75,399 | 79,150 | 95,187 |
| Total Liabilities | 26,996 | 27,395 | 32,184 | 33,672 | 41,735 | 54,882 | 68,641 | 76,317 | 80,149 | 96,469 |
| Current Liabilities | 13,908 | 15,181 | 20,047 | 16,047 | 18,650 | 18,159 | 19,978 | 17,201 | 17,178 | 22,669 |
| Non Current Liabilities | 7,976 | 6,554 | 5,527 | 9,695 | 13,011 | 24,722 | 32,904 | 39,978 | 40,818 | 48,047 |
| Total Equity | 5,113 | 5,660 | 6,610 | 7,930 | 10,074 | 12,001 | 15,760 | 19,138 | 22,153 | 25,754 |
| Reserve & Surplus | 4,686 | 5,223 | 6,139 | 7,457 | 9,531 | 11,428 | 15,174 | 18,384 | 21,264 | 24,706 |
| Share Capital | 398 | 399 | 400 | 400 | 401 | 401 | 401 | 401 | 401 | 402 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | -209 | -1,036 | 664 | -734 | 1,365 | 3,838 | 1,935 | 2,260 | -2,229 | -1,749 |
| Investing Activities | 21 | -43 | -177 | -126 | -162 | -385 | 37 | 411 | 180 | 48 |
| Operating Activities | -479 | 108 | -2,186 | -1,432 | -4,824 | -4,970 | -7,814 | -1,596 | -2,804 | -13,754 |
| Financing Activities | 249 | -1,102 | 3,027 | 824 | 6,351 | 9,193 | 9,712 | 3,446 | 395 | 11,958 |
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 | 0.00 |
| Dividend Yield (%) | 0.00 | 1.47 | 1.62 | 1.96 | 1.24 | 1.5 | 2.05 | 1.49 | 1.01 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 14 May 2025 |  Quarterly Result Announcement | NA | 14 May 2025 | 2,091.35 | 2,216.50 |
| 25 Apr 2025 |  Dividend | ₹ 26.00 /share | 25 Apr 2025 | 2,111.60 | 2,150.50 |
| 12 Feb 2025 | Quarterly Result Announcement | NA | 12 Feb 2025 | 2,149.60 | 2,188.20 |
| 14 Nov 2024 | Quarterly Result Announcement | NA | 14 Nov 2024 | 1,913.35 | 1,770.30 |
| 30 Sept 2024 |  Annual General Meeting | NA | 30 Sept 2024 | 1,962.50 | 2,057.75 |
| 01 Jun 2024 | Dividend | ₹ 24.00 /share | 31 May 2024 | 1,707.85 | 1,683.45 |
| 18 Apr 2023 | Dividend | ₹ 22.00 /share | 18 Apr 2023 | 989.75 | 1,048.85 |
| 26 Apr 2022 | Dividend | ₹ 20.00 /share | 25 Apr 2022 | 1,336.05 | 1,277.20 |
| 23 Apr 2021 | Dividend | ₹ 20.00 /share | 22 Apr 2021 | 1,233.85 | 1,147.20 |
Announcements
Announcement Under Regulation 30 Of SEBI LODR
Jun 03, 2025
Jun 03, 2025Clarification sought from Muthoot Finance LtdJun 02, 2025
Jun 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 31, 2025
May 31, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMay 30, 2025
May 30, 2025Results Of Postal BallotMay 30, 2025
May 30, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMay 29, 2025
May 29, 2025General UpdatesMay 17, 2025
May 17, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 17, 2025
May 17, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 16, 2025
May 16, 2025Announcement Under Regulation 30 Of SEBI LODRMay 16, 2025
May 16, 2025Clarification sought from Muthoot Finance LtdMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 15, 2025
May 15, 2025Declaration With Respect To Audit Report With Unmodified OpinionMay 14, 2025
May 14, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 14, 2025
May 14, 2025Announcement under Regulation 30 (LODR)-Investor PresentationMay 14, 2025
May 14, 2025Board Meeting Outcome for Outcome Of Board MeetingMay 14, 2025
May 14, 2025Financial ResultsMay 14, 2025
May 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 08, 2025
May 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 29, 2025
Apr 29, 2025Intimation To Shareholders Regarding TDS On DividendApr 28, 2025
Apr 28, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotApr 26, 2025
Apr 26, 2025Board Meeting Intimation for Financial Results For The Quarter And Year Ended March 31 2025Apr 26, 2025
Apr 26, 2025Corporate Action-Board approves DividendApr 21, 2025
Apr 21, 2025Board Meeting Outcome for Outcome Of Board MeetingApr 21, 2025
Apr 21, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2025
Apr 08, 2025Corporate Action- Record DateApr 08, 2025
Apr 08, 2025Board Meeting Intimation for Considering Declaration Of An Interim Dividend And To Consider Seeking Approval Of Shareholders For Increase In The Borrowing Powers Of The Board Of Directors.Apr 08, 2025
Apr 08, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 03, 2025
Apr 03, 2025Announcement under Regulation 30 (LODR)-Credit RatingApr 02, 2025
Apr 02, 2025Announcement Under Regulation 30 Of SEBI (LODR) Regulation 2015
Mar 31, 2025
Mar 31, 2025Settlement Of US$ 250 Mn ECBMar 26, 2025
Mar 26, 2025Pricing Of US$ 250 Mn GMTNMar 19, 2025
Mar 19, 2025Update On GMTN - Mandate AnnouncementMar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMar 18, 2025
Mar 18, 2025Announcement under Regulation 30 (LODR)-Credit RatingMar 17, 2025
Mar 17, 2025Closure of Trading WindowMar 15, 2025
Mar 15, 2025Closure of Trading WindowMar 15, 2025
Mar 15, 2025Business Update: Gold Loan AUM Crosses Rs. 1 Lakh CroreMar 14, 2025
Mar 14, 2025Clarification On Newspaper Reports Regarding Fraud Committed By EmployeesMar 12, 2025
Mar 12, 2025Announcement Under Regulation 30 Of LODR- Permission For Opening Of New BranchesFeb 26, 2025
Feb 26, 2025Announcement Under Regulation 30- Penalty Imposed By Office Of The Assistant Commissioner Of State Tax DelhiFeb 25, 2025
Feb 25, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 18, 2025
Feb 18, 2025Announcement Under Reg 30 Of LODR - Appointment Of Secretarial Auditor For FY 2024-25Feb 13, 2025
Feb 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 13, 2025
Feb 13, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 13, 2025
Feb 13, 2025Integrated Filing (Financial)Feb 13, 2025
Feb 13, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesFeb 12, 2025
Feb 12, 2025Unaudited Financial Results For The Quarter And Nine Months Ended December 31 2024Feb 12, 2025
Feb 12, 2025Technical Indicators
RSI(14)
Neutral 75.92
ATR(14)
Volatile 74.28
STOCH(9,6)
Overbought 94.94
STOCH RSI(14)
Overbought 97.23
MACD(12,26)
Bullish 46.77
ADX(14)
Strong Trend 30.17
UO(9)
Bearish 72.08
ROC(12)
Uptrend And Accelerating 24.20
WillR(14)
Overbought -1.33
Mutual Fund Holdings
| Funding House | No of Shares | Current Holding % | 1M Change % | 3M Change % | Month | |
|---|---|---|---|---|---|---|
 SBI Banking & Financial Services Fund Direct-Growth | 1386984 | 3.84% | 0.64% | 2.09% | May 2025 | |
 Bajaj Finserv Large and Mid Cap Fund Direct-Growth | 0 | 0.00% | -2.09% | -2.57% | May 2025 | |
 Tata Hybrid Equity Fund Direct Plan-Growth | 0 | 0.00% | -0.97% | -1.09% | May 2025 | |
 Baroda BNP Paribas Multi Cap Fund Direct-Growth | 170000 | 1.33% | 1.33% | 1.33% | May 2025 | |
 Kotak Equity Arbitrage Fund Direct-Growth | 597025 | 0.20% | 0.05% | 0.14% | May 2025 | |
 Nippon India Arbitrage Fund Direct-Growth | 53900 | 0.08% | -0.23% | -0.17% | May 2025 | |
 Edelweiss Business Cycle Fund Direct-Growth | 170601 | 2.05% | -1.65% | -2.18% | May 2025 | |
 Samco Active Momentum Fund Direct - Growth | 0 | 0.00% | -3.07% | -3.27% | May 2025 | |
 PGIM India Flexi Cap Fund Direct-Growth | 454205 | 1.61% | 0.35% | 0.18% | May 2025 | |
 TRUSTMF Flexi Cap Fund Direct - Growth | 0 | 0.00% | -2.00% | -1.53% | May 2025 | |
| Edelweiss Arbitrage Fund Direct-Growth | 269775 | 0.39% | -0.15% | -0.07% | May 2025 | |
 Axis Arbitrage Fund Direct-Growth | 23650 | 0.08% | -0.28% | 0.08% | May 2025 | |
 Bandhan Flexi Cap Fund Direct-Growth | 370000 | 1.11% | 0.20% | 1.11% | May 2025 | |
| Axis Momentum Fund Direct - Growth | 181894 | 3.04% | 1.08% | 0.78% | May 2025 | |
 Invesco India Arbitrage Fund Direct-Growth | 345400 | 0.34% | -0.10% | 0.30% | May 2025 | |
| TRUSTMF Small Cap Fund Direct-Growth | 0 | 0.00% | -1.51% | -1.22% | May 2025 | |
 Aditya Birla Sun Life Equity Advantage Fund Direct -Growth | 178661 | 0.69% | 0.20% | 0.15% | May 2025 | |
 UTI Arbitrage Fund Direct-Growth | 61875 | 0.19% | 0.16% | 0.19% | May 2025 | |
| UTI Mid Cap Fund Direct-Growth | 365688 | 0.70% | -0.13% | -0.71% | May 2025 | |
 WhiteOak Capital Mid Cap Fund Direct - Growth | 392917 | 2.73% | 0.19% | -1.09% | May 2025 | |
 Union Focused Fund Direct - Growth | 0 | 0.00% | -2.33% | -2.63% | May 2025 | |
| Union Active Momentum Fund Direct-Growth | 0 | 0.00% | -2.17% | -2.04% | May 2025 | |
| Bandhan Business Cycle Fund Direct-Growth | 101758 | 1.34% | 0.44% | 0.33% | May 2025 | |
| UTI Multi Cap Fund Direct-Growth | 30527 | 0.65% | 0.65% | 0.65% | May 2025 | |
| SBI Flexicap Fund Direct-Growth | 3122222 | 3.18% | 0.08% | -0.33% | May 2025 |
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,
8 days)
Chairperson NameGeorge Jacob Muthoot
we are part of Raise Financial Services
built with love
for indians who love to invest & trade
Market Community
Follow us on
