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Muthoot Microfin Ltd (MUTHOOTMF) is currently trading at 183.20 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 ₹118.65 and a high of ₹198.85. 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 3,305.84. 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 N/A and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 3,305.84 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 Finance 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 N/A. 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 main highlight was a 393.85% quarter-on-quarter surge in net profit to ₹30.52 crore. Revenue also grew by 3.28% and EBITDA increased by 14.53% sequentially.
Muthoot Microfin projects its Assets Under Management (AUM) to grow by 15% to reach approximately ₹14,000 crore by the end of the fiscal year 2026, up from ₹12,200 crore at the beginning of the year.
| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
438.20 | 12,939 Cr | 11.64 | 1.90 | 0.46 | 16.24 | 14.39 | 7.18 | |
337.95 | 6,118 Cr | 17.32 | 2.18 | 0.50 | 12.02 | 10.18 | 2.70 | |
194.20 | 3,306 Cr | — | 1.22 | 0.00 | -13.35 | 3.57 | -2.63 | |
188.00 | 3,056 Cr | — | 1.57 | 0.00 | -52.04 | -1.60 | -3.74 | |
33.27 | 3,026 Cr | 14.34 | 1.82 | 0.30 | 12.45 | 11.72 | 3.79 | |
157.80 | 1,735 Cr | 9.07 | 0.66 | 0.00 | 5.13 | 10.85 | 1.49 | |
96.05 | 7 Cr | — | 19.21 | 0.00 | — | — | 0.00 |
Bearish
2
Neutral
7
Bullish
5
Bearish
18
Neutral
7
Bullish
21
Bearish
16
Neutral
0
Bullish
16
ALM Statement
Muthoot Microfin Limited submitted the provisional Asset Liability Management (ALM) statement for the month ended 31 Jan 2026 to BSE/NSE on 14 Feb 2026 pursuant to SEBI circular; structural liquidity figures reported in ₹ Lakhs and signed by the CCO.
Earnings Call Transcript
Q3 FY26 call: AUM INR 13,078 cr (+5.4% YoY), disbursements INR 2,492 cr (≈INR850/month), individual loan AUM INR 1,097 cr, opex down to 6.5%, cost-to-income 54%, GNPA 4.4%, PAT INR 62 cr.
Earnings Call Transcript
Muthoot Microfin (Q3 FY26): AUM ₹13,078 Cr (+5.4% YoY), disbursements ₹2,492 Cr (≈₹850/month), individual loans AUM ₹1,097 Cr, opex 6.5%, cost-to-income 54%, GNPA 4.4%, quarterly credit cost 3.3%, PAT ₹62 Cr; outlook positive.
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
Finance - Large
3,306 Cr
High Risk
—
26.9
—
1.2
198.85
118.65
Sales CAGR
Profit CAGR
ROE
ROCE
