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Muthoot Finance is India’s largest gold-financing NBFC, focused primarily on short-tenor loans secured by customer gold jewellery and supported by subsidiaries offering housing finance, microfinance, insurance broking and a Sri Lankan lending business.
The company delivered record scale and profits in 9M FY26: consolidated Loan AUM reached ₹1,647,198 million (48% YoY) and consolidated PAT rose 84% to ₹7,209 million, reflecting strong demand for collateralised credit and robust operational leverage in the gold-loan franchise.
Digital adoption is accelerating: the iMuthoot app has ~22.8 million downloads, 5.5 million registered users and contributed materially to collections and top-ups, supporting cheaper acquisition, faster TAT and cross-sell of unsecured and housing loans via digital channels.
Funding is broad and improving: diversified liability mix (bank borrowings 50%, listed NCDs 29%, ECBs 15%, commercial paper 5%), healthy liquidity (cash & equivalents ~₹138 billion consolidated) and capital adequacy ~20.3% provide headroom for measured leverage and continued AUM growth.
Regulatory and market tailwinds are supportive: RBI draft easing on branch opening and continued retail demand for secured credit signal opportunity to scale branches further, while strong domestic credit ratings (CRISIL/ICRA AA+) help in competitive access to wholesale funding.
Finance
Non Banking Financial Company (NBFC)
1,31,688 Cr
High Risk
12.4
17.8
2.1
3.4
4,149.00
1,964.35
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stock
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
3500.95 | 1,32,892 Cr | 12.55 | 3.40 | 0.91 | 27.06 | 13.24 | 5.42 | ||
1515.50 | 1,29,455 Cr | 24.74 | 4.25 | 0.13 | 17.18 | 8.84 | 2.13 | ||
328.45 | 1,27,537 Cr | 26.32 | 2.78 | 0.19 | 10.57 | 7.98 | 1.68 | ||
302.55 | 69,050 Cr | 23.16 | 2.47 | 1.00 | 10.65 | 7.75 | 2.10 | ||
671.35 | 59,409 Cr | 27.42 | 3.78 | 0.40 | 13.78 | 9.82 | 3.27 | ||
587.95 | 55,878 Cr | 25.68 | 3.05 | 0.43 | 13.75 | 8.99 | 2.00 | ||
4591.40 | 49,736 Cr | 24.17 | 3.29 | 0.78 | 13.03 | 8.79 | 2.41 | ||
| Median: 7 Co. | — | 671.35 | 69,050 Cr | 24.74 | 3.29 | 0.43 | 13.75 | 8.84 | 2.13 |
Bearish
4
Neutral
3
Bullish
7
Bearish
36
Neutral
3
Bullish
7
Bearish
32
Neutral
0
Bullish
0
Muthoot Finance Ltd (MUTHOOTFIN) is currently trading at 3,280.15 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Muthoot Finance is India’s largest gold-financing NBFC, focused primarily on short-tenor loans secured by customer gold jewellery and supported by subsidiaries offering housing finance, microfinance, insurance broking and a Sri Lankan lending business. The company delivered record scale and profits in 9M FY26: consolidated Loan AUM reached ₹1,647,198 million (48% YoY) and consolidated PAT rose 84% to ₹7,209 million, reflecting strong demand for collateralised credit and robust operational leverage in the gold-loan franchise. Digital adoption is accelerating: the iMuthoot app has ~22.8 million downloads, 5.5 million registered users and contributed materially to collections and top-ups, supporting cheaper acquisition, faster TAT and cross-sell of unsecured and housing loans via digital channels. Funding is broad and improving: diversified liability mix (bank borrowings 50%, listed NCDs 29%, ECBs 15%, commercial paper 5%), healthy liquidity (cash & equivalents ~₹138 billion consolidated) and capital adequacy ~20.3% provide headroom for measured leverage and continued AUM growth. Regulatory and market tailwinds are supportive: RBI draft easing on branch opening and continued retail demand for secured credit signal opportunity to scale branches further, while strong domestic credit ratings (CRISIL/ICRA AA+) help in competitive access to wholesale funding.
Over the past 52 weeks, Muthoot Finance Ltd has traded between a low of ₹1,964.35 and a high of ₹4,149.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Muthoot Finance Ltd has a market capitalization of approximately 1,32,892.09. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Muthoot Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 12.55 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,32,892.09 Cr, Muthoot Finance Ltd is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Muthoot Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Muthoot Finance Ltd is 12.55. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
It said Muthoot FinCorp ONE has evolved into a full financial services marketplace integrating loans, investments, savings, payments and insurance within one app.
The board approved an IPO of fresh equity shares aggregating up to ₹4,000 crore, subject to shareholder approval, market conditions, and regulatory clearances.
From February 2026, the RBI will remove the prior-approval requirement for branch expansion for eligible gold-loan NBFCs with more than 1,000 branches.
Net profit in Q4FY26 was ₹3,397 crore, up 135% year-on-year from ₹1,444 crore in Q4FY25.
Earnings Call Transcript
Analyst-call transcript for Q4/FY26: reported record standalone AUM ₹1.64T and consolidated AUM ₹1.82T, standalone PAT ₹10,134 crore and consolidated PAT ₹10,607 crore, declared ₹30/share dividend and noted strong subsidiary growth.
Postal Ballot Result
Scrutinizer's report (May 16, 2026): shareholders approved the special resolution to alter the Memorandum of Association's object clause via postal ballot/e‑voting — 37,44,43,882 votes (99.99%); total votes 37,44,48,329.
Postal Ballot Result
Shareholders approved a special resolution to alter the company's Memorandum of Association object clause via postal ballot — passed with 99.99% assent (37,44,43,882 votes) on May 15, 2026.
MOA Amendment
On May 17, 2026 shareholders passed a special resolution via postal ballot to amend the Memorandum of Association to allow Muthoot Finance to act as a corporate agent/insurance intermediary for all classes of insurance; promoters voted 100% in favour.
MOA Amendment
Shareholders via postal ballot approved a special resolution to alter the Memorandum of Association to add a new object permitting the company to act as a corporate agent/insurance intermediary for all classes of insurance.
Audited Results Publication
Muthoot Finance submitted copies of newspaper advertisements published on May 16, 2026 (Business Line and Metro Vaartha) disclosing its audited financial results for the quarter and year ended March 31, 2026.
