Muthoot Microfin Ltd

📈 Muthoot Microfin’s Resilient Turnaround – Key Financial Milestones & Vision 2030 Goals

- Active customers: 3.27 million served via 1,670 branches across 21 states.

- AUM growth: ~13% YoY to Rs. 14,006 crore in FY26 (vs 1.3% in FY25).

- PAT rebound: ~Rs. 170 crore profit in FY26 from Rs. 222 crore loss in FY25.

- Cost of funds decline: 11.0% (FY25) → 10.3% (Q4 FY26), incremental cost at 9.9%.

- Asset quality: GNPAs improved to 3.89% (from 4.84%), 96%+ collection efficiency.

- Credit costs halved to 3.5%, provision cover at 71.5%.

- Net worth: Rs. 2,854 crore, gearing at 3.3x, CRAR 23.9%.

- CRISIL upgrade: Long-term rating to ‘CRISIL AA-/Stable’.

- Vision 2030: Rs. 30,000 crore AUM, 5%+ ROA, 10M households impacted.