Muthoot Capital Services Limited has scheduled an investor presentation for January 22, 2026, at 11:00 a.m. to discuss its unaudited financial results for the quarter and nine months ended December 31, 2025. The announcement was made through a regulatory filing dated January 21, 2026, pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Financial Position Overview

The company's balance sheet as of December 2025 shows significant growth across key parameters. Total assets reached ₹3,943.77 crores, representing substantial expansion from ₹3,282.13 crores in December 2024.

Loan Portfolio Composition

The company's loan portfolio demonstrates diversification across multiple vehicle financing segments. As of Q3FY26, the total loan book stood at ₹3,398.95 crores, with retail loans forming the major component at ₹3,379.22 crores and corporate loans and others accounting for ₹19.73 crores.

Asset Quality Metrics

The company maintains a focused approach to asset quality management. The portfolio analysis reveals that regular assets constitute 93.55% of the total portfolio at ₹3,179.76 crores, while non-performing assets (NPAs) account for 6.45% at ₹219.19 crores.

Funding and Liquidity Position

Muthoot Capital Services' funding structure shows a balanced approach with share capital of ₹16.45 crores, reserves and surplus of ₹648.95 crores, and borrowings of ₹3,198.37 crores as of December 2025. The company maintains substantial cash and bank balances of ₹377.16 crores, indicating strong liquidity management.

Upcoming Investor Engagement

The investor conference call will provide detailed insights into the company's Q3FY26 performance and nine-month results. The presentation is expected to cover operational highlights, financial metrics, and strategic initiatives undertaken during the period. Company Secretary and Compliance Officer Deepa G has signed the regulatory communication, confirming the scheduled investor interaction.

Muthoot Capital Services Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025, presenting a mixed performance with revenue growth offset by reduced profitability. The company's Board of Directors approved these results at their meeting held on January 21, 2026.

Financial Performance Overview

The company's financial results for Q3FY26 demonstrate contrasting trends in revenue and profitability metrics. While revenue from operations showed substantial growth, the bottom line reflected challenges in the operating environment.

Revenue Components and Growth

The company's revenue structure showed positive momentum across key income streams. Interest income, the primary revenue driver, increased to ₹14,830.00 crores from ₹11,983.22 crores in the corresponding quarter of the previous year. Fees and charges income also contributed positively, rising to ₹666.72 crores from ₹568.15 crores. Other operating income remained relatively stable at ₹9.93 crores compared to ₹16.74 crores in Q3FY25.

Expense Analysis and Profitability Impact

Total expenses for the quarter increased significantly to ₹15,062.17 crores from ₹10,885.41 crores in Q3FY25. The major expense components reflected the challenging operating environment:

Nine-Month Performance

For the nine months ended December 31, 2025, the company reported total revenue from operations of ₹45,394.13 crores compared to ₹33,433.80 crores in the corresponding period of the previous year. Net profit for the nine-month period was ₹580.79 crores, significantly lower than ₹3,932.76 crores achieved in the same period of FY25.

Key Operational Metrics

The company's asset quality metrics and operational parameters showed specific trends. Gross NPA including interest accrual stood at ₹21,918.20 crores, while net NPA was ₹12,024.56 crores. The GNPA ratio to advances was 6.45%, and the provision coverage ratio was maintained at 50%. Total advances reached ₹3,39,895.11 crores.

Leadership Appointments

The Board approved significant leadership changes during the quarter. Mr. Krishnaraj S was appointed as Chief Internal Auditor for three years effective January 21, 2026. He brings over 19 years of experience in finance and risk management, including his previous role as Chief Risk Officer at Nitta Gelatin India Limited. Additionally, Mrs. Umadevi Pazhoor Unnikrishnan was re-appointed as Chief Risk Officer for three years effective March 22, 2026, leveraging her 18 years of banking experience in credit appraisal and risk management.

Earnings Per Share and Other Highlights

Basic and diluted earnings per share for Q3FY26 were ₹4.65 compared to ₹7.63 in Q3FY25. The company maintained its paid-up equity share capital at ₹1,644.75 crores. Total comprehensive income for the quarter was ₹843.39 crores, including other comprehensive income of ₹78.33 crores.

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