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Bearish
2
Neutral
7
Bullish
5
Bearish
33
Neutral
7
Bullish
6
Bearish
31
Neutral
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Bullish
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Discovery themes featuring this stockDiscovery themes featuring this stock
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)
1,27,595 Cr
Moderate Risk
14.7
17.0
0.9
3.6
4,149.00
1,964.35
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
892.80 | 1,67,789 Cr | 18.38 | 2.77 | 1.11 | 14.45 | 10.99 | 3.05 | ||
308.55 | 1,30,975 Cr | 33.11 | 3.03 | 0.12 | 11.62 | 8.61 | 1.73 | ||
3186.85 | 1,27,595 Cr | 14.67 | 3.58 | 0.82 | 24.47 | 12.30 | 4.80 | ||
1352.30 | 1,15,638 Cr | 23.60 | 4.08 | 0.15 | 17.91 | 9.31 | 2.24 | ||
637.50 | 60,665 Cr | 29.02 | 4.10 | 0.39 | 12.97 | 8.88 | 2.99 | ||
240.45 | 60,199 Cr | 21.48 | 2.28 | 1.14 | 10.24 | 8.04 | 2.21 | ||
4541.10 | 50,331 Cr | 24.32 | 3.33 | 0.77 | 13.03 | 8.79 | 2.41 | ||
| Median: 7 Co. | — | 892.80 | 1,15,638 Cr | 23.60 | 3.33 | 0.77 | 13.03 | 8.88 | 2.41 |
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
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Muthoot Finance Ltd (MUTHOOTFIN) is currently trading at 3,186.85 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 1,27,594.71. 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 14.67 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 1,27,594.71 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 14.67. 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.
The biggest positive was the indirect support through measures aimed at strengthening its core customer base, including a ₹10,000 crore fund for MSMEs and schemes to empower rural households and enterprises.
The stock hit a new high of ₹3,997.95 primarily due to its strong financial performance in Q2 FY26, where it reported an 87% year-on-year jump in consolidated net profit.
Muthoot Finance invested ₹499.99 crore (nearly ₹500 crore) as equity into its wholly-owned subsidiary, Muthoot Money Limited.
Their share prices surged due to a combination of record-high gold prices, strong loan demand fueled by tighter regulations on unsecured credit, and robust quarterly earnings reports.
