News ArticleMuthoot Finance Reports 42% YoY Growth to ₹209,317 Crore Consolidated Loan AUM in H1 FY 2027
Consolidated Profit After Tax reaches ₹6,103 crore with strong branch expansion and robust capital adequacy
Muthoot Finance announced strong half-year financial results for H1 FY 2027, reporting a consolidated loan Assets Under Management (AUM) of ₹209,317 crore, marking a 42% year-on-year growth. The company also declared a consolidated profit after tax of ₹6,103 crore, up 39% year-on-year, supported by a pan-India branch network of 7,904 branches and a strong capital adequacy ratio of 19.81%.
Muthoot Finance Limited
Investor Presentation
Muthoot Finance Limited revealed its investor presentation for the quarter and half year ended September 30, 2026, showcasing a consolidated loan AUM of ₹209,317 crore, a 42% increase compared to the previous year, and consolidated profit after tax of ₹6,103 crore, up 39% year-on-year.
The company’s standalone loan AUM stood at ₹187,810 crore, also reflecting a 42% YoY growth.
Profit after tax on a standalone basis was ₹5,527 crore, marking a 26% increase quarter-on-quarter and 17% year-on-year.
Muthoot Finance’s consolidated branch network expanded to 7,904 branches across India, supporting deep market penetration.
The average gold loan AUM per branch (standalone) reached ₹34 crore, growing 36% quarter-on-quarter and 5% year-on-year.
The company maintains a strong net worth of ₹42,015 crore and a capital adequacy ratio of 19.81%. Tier-1 capital is 19.04%, complemented by Tier-2 capital of 0.77%. The return on equity stands at 27.72%, with earnings per share of ₹137.67 and book value per share at ₹1,046.49 for H1 FY 2027.
Highlights
- Consolidated loan AUM of ₹209,317 crore, up 42% YoY and 9% QoQ for H1 FY 2027.
- Consolidated profit after tax at ₹6,103 crore, up 39% YoY and 16% QoQ.
- Standalone loan AUM of ₹187,810 crore with identical 42% YoY and 9% QoQ growth.
- Disbursed ₹20,238 crore in gold loans to nearly 993,900 new customers, a 54% year-on-year increase.
- Pan-India presence with 7,904 consolidated branches.
- Strong capital adequacy ratio of 19.81% with a net worth of ₹42,015 crore.
Key Data Snapshot
What happened
- Muthoot Finance published its investor presentation for Q2 and H1 FY 2027 ending September 30, 2026.
- The company communicated a strong increase in loan assets under management and profit after tax on both standalone and consolidated bases.
- The expansion in branch network and customer acquisition were also highlighted as key growth drivers.
Key details
- Consolidated loan AUM was ₹209,317 crore for H1 FY 2027, up 42% year-over-year and 9% quarter-over-quarter.
- Standalone loan AUM was ₹187,810 crore with similar growth percentages.
- Consolidated profit after tax was ₹6,103 crore, representing a 39% increase year-over-year.
- Gold loan disbursement to new standalone customers totaled ₹20,238 crore to 993,900 customers, a 54% year-over-year growth.
- The consolidated branch network covers 7,904 locations across India, enhancing reach and service capacity.
- Capital adequacy ratio remains strong at 19.81%, with notable Tier-1 and Tier-2 capital ratios.
- Return on equity and earnings per share indicate solid profitability.
- Dividend per equity share declared at ₹30, a 300% dividend payout.
Strategic context
- Muthoot Finance emphasizes investing in future-ready capabilities including advanced analytics, risk governance, talent development, and digital collections to support sustainable growth and scalability.
- The company is India's largest gold loan NBFC focusing on gold-secured lending since 1939 and is recognized by the Reserve Bank of India as an upper layer NBFC.
- Muthoot Finance’s extensive pan-India presence through over 5,200 branches serves as a strong competitive advantage in the gold loan sector.
- The firm maintains strict underwriting standards and in-house capabilities for audit, valuation, technology, and collections to reinforce its market leadership.
Background and context
- Founded in 1887 and formally licensed as an NBFC in 2001, Muthoot Finance has over 80 years of history in gold-secured lending.
- It went public in 2011 and has received ratings from Fitch, S&P, and Moody's, reflecting financial stability and investor trust.
- The company views gold loans as a central element in the formalization of India’s credit markets.
- The management highlights prudent growth balanced with discipline as central to continued business success.
Highlights
- Consolidated loan AUM of ₹209,317 crore, up 42% YoY and 9% QoQ for H1 FY 2027.
- Consolidated profit after tax at ₹6,103 crore, up 39% YoY and 16% QoQ.
- Standalone loan AUM of ₹187,810 crore with identical 42% YoY and 9% QoQ growth.
- Disbursed ₹20,238 crore in gold loans to nearly 993,900 new customers, a 54% year-on-year increase.
- Pan-India presence with 7,904 consolidated branches.
- Strong capital adequacy ratio of 19.81% with a net worth of ₹42,015 crore.
Disclosures
- Reserve Bank of India recognition as Upper Layer NBFC
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