Muthoot Finance Ltd

Muthoot Finance Hits Record Highs: AUM, Profits & Gold Holdings Surge 📈💰

- Branch Network: 7,524 branches (4,967 in India, focus on rural/semi-urban markets).

- Gold Loan AUM: ₹1,24,918 Cr (+45% YoY), averaging ₹25.15 Cr per branch (highest ever).

- Gold Holdings: Up from 199 to 209 tonnes YoY, with 43% safety margin on loans.

- Digital Growth: iMuthoot app hits 19.6M downloads, 4.9M registered users.

- Profitability: Standalone PAT at ₹4,391 Cr (+88% YoY); PAT/Net Income ratio at 48.48%.

- Customer Base: 10.66M loan accounts, 6.57M active customers; ₹13,183 Cr disbursed to 8.9L new customers.

- Credit Ratings: Upgraded by Fitch to BB+ (Stable); domestic ratings at AA+/Stable (CRISIL/ICRA).

- Market Cap: ₹1.23T as of Sept 2025; 260% dividend payout for FY25.

- Operational Efficiency: Employee costs at 43% of total expenses; operational expense ratio at 33.37%.