Welcome to Multibagg AI
Log in to access personalized features
Portfolio
Alerts
Ask Iris
Discovery
Timeline
Multibagg AI is an AI powered stock research and analysis platform. We provide data, information, content, and analytics for publicly traded Indian companies listed on NSE and BSE. AI can make mistakes, check important information.
Prices might be delayed by a few minutes.
Join our Exclusive Community
Join our Exclusive Community
Made with 💙 in India. © Finsky Technologies Pvt Ltd. 2026
Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.
Discovery themes featuring this stockBearish
3
Neutral
3
Bullish
8
Bearish
33
Neutral
4
Bullish
9
Bearish
30
Neutral
1
Bullish
1
Muthoot Microfin Limited is an NBFC-MFI focused on extending micro-loans to predominantly rural women entrepreneurs across India, operating over 1,600 branches with a product mix encompassing JLG group loans, individual retail loans (Muthoot Small & Growing), Micro-LAP, and a gold-referral offering, supported by digital onboarding (e-KYC) and the Mahila Mitra app for collections and customer engagement.
Q3 FY'26 shows a clear operational recovery: AUM increased to INR130,786 million (+5.4% YoY), disbursements accelerated to INR24,922 million (+22.5% YoY), and individual-loan AUM jumped to INR10,976 million from INR2,572 million in Q2, reflecting meaningful traction in non-JLG products and a strategic shift towards a more diversified portfolio mix.
Profitability and efficiency are improving: Q3 reported PAT of INR624 million (large YoY improvement), PPOP rose QoQ to INR1,753 million, operating expenses ratio moderated to 6.5%, cost-to-income improved to 54.8%, and management targets ROA 0.5%-2.0% for FY26 with confidence of outperformance and a medium-term ROA/ROE uplift driven by margin and credit-cost improvement.
Asset quality and provisioning show repair and prudence: GNPA moderated to 4.40% (down QoQ), NNPA at 1.34%, provision coverage ~70.5%, ECL model plus prior management overlay consumed for specific pools, and credit cost for Q3 at 3.3% reflecting improving collections and recoveries from overdue accounts supporting a recovery narrative.
Funding and digital adoption underpin resiliency: incremental cost of funds fell to 9.8% with overall CoF at 10.4% and CRISIL A+/Positive ratings; digital collections rose to 27.8% of collections supported by 1.94 million Mahila Mitra app installs, enabling lower collection cost for individual loans and improving branch-level profitability through rationalisation.
Finance
Microfinance Institutions
3,225 Cr
High Risk
13.1
17.9
0.4
1.1
262.35
141.35
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 (%) |
240.90 | 3,912 Cr | -9.94 | 1.03 | 0.00 | -23.17 | -2.76 | -4.14 | ||
6.48 | 3,845 Cr | -5059.34 | 4.57 | 0.00 | -0.11 | 0.04 | -0.08 | ||
188.00 | 3,225 Cr | 13.14 | 1.13 | 0.00 | 5.97 | 8.62 | 1.93 | ||
402.65 | 3,012 Cr | 39.56 | 2.61 | 0.07 | 5.16 | 8.66 | 3.97 | ||
185.75 | 3,001 Cr | 17.81 | 1.22 | 0.00 | 0.56 | 5.91 | 2.03 | ||
5482.15 | 2,828 Cr | 49.10 | 0.19 | 0.00 | 0.36 | 0.50 | 0.34 | ||
133.55 | 2,646 Cr | 70.20 | 4.60 | 0.00 | 4.92 | 8.00 | 1.86 | ||
| Median: 7 Co. | — | 188.00 | 3,012 Cr | 17.81 | 1.22 | 0.00 | 0.56 | 5.91 | 1.86 |
Muthoot Microfin Ltd (MUTHOOTMF) is currently trading at 188.50 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 Microfin Limited is an NBFC-MFI focused on extending micro-loans to predominantly rural women entrepreneurs across India, operating over 1,600 branches with a product mix encompassing JLG group loans, individual retail loans (Muthoot Small & Growing), Micro-LAP, and a gold-referral offering, supported by digital onboarding (e-KYC) and the Mahila Mitra app for collections and customer engagement. Q3 FY'26 shows a clear operational recovery: AUM increased to INR130,786 million (+5.4% YoY), disbursements accelerated to INR24,922 million (+22.5% YoY), and individual-loan AUM jumped to INR10,976 million from INR2,572 million in Q2, reflecting meaningful traction in non-JLG products and a strategic shift towards a more diversified portfolio mix. Profitability and efficiency are improving: Q3 reported PAT of INR624 million (large YoY improvement), PPOP rose QoQ to INR1,753 million, operating expenses ratio moderated to 6.5%, cost-to-income improved to 54.8%, and management targets ROA 0.5%-2.0% for FY26 with confidence of outperformance and a medium-term ROA/ROE uplift driven by margin and credit-cost improvement. Asset quality and provisioning show repair and prudence: GNPA moderated to 4.40% (down QoQ), NNPA at 1.34%, provision coverage ~70.5%, ECL model plus prior management overlay consumed for specific pools, and credit cost for Q3 at 3.3% reflecting improving collections and recoveries from overdue accounts supporting a recovery narrative. Funding and digital adoption underpin resiliency: incremental cost of funds fell to 9.8% with overall CoF at 10.4% and CRISIL A+/Positive ratings; digital collections rose to 27.8% of collections supported by 1.94 million Mahila Mitra app installs, enabling lower collection cost for individual loans and improving branch-level profitability through rationalisation.
Over the past 52 weeks, Muthoot Microfin Ltd has traded between a low of ₹141.35 and a high of ₹262.35. 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 Microfin Ltd has a market capitalization of approximately 3,224.86. 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 Microfin Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 13.14 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 3,224.86 Cr, Muthoot Microfin Ltd is classified as a Small 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 Microfin 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 Microfin Ltd is 13.14. 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.
Muthoot Microfin reported standalone revenue of ₹670 crore and standalone net profit of ₹8.1 crore for Q1 FY27.
The board approved issuing Non-Convertible Debentures (NCDs) worth up to ₹4,000 crore for FY 2026-27 through a mix of private and public issuances.
The stock surged after Muthoot Finance reported strong Q1FY26 results, including higher consolidated PAT, higher total income, and a sharp rise in loan AUM.
The allotment was finalised on December 21, 2023, as stated in the provided timeline.
Regulatory/Compliance Filing
Muthoot Microfin filed provisional Asset Liability Management (ALM) statement for the month ended 31-08-2026 pursuant to SEBI circular, submitted to BSE and NSE and signed by the Company Secretary on 15-09-2026.
Fund Raising
Muthoot Microfin Ltd raised ₹250 crore via private placement of 2,50,000 secured, listed NCDs of ₹10,000 each, 24-month tenor, 9.25% p.a. coupon, to strengthen funding profile and diversify liabilities.
