What we do Muthoot Capital Services Ltd is an NBFC offering vehicle loans, SME loans, gold loans, and capital market services including financial advisory and wealth management. |
Founded in 1,994 |
Market share Recognized among top 50 NBFCs in India with AUM crossing ₹3,000 crore, strong geographical presence across 23 states. |
Problem solved Provides accessible financing solutions for vehicle purchases and small businesses, addressing credit needs underserved by traditional banks. |
Top clients or who we serve Serves retail customers via dealer points and branches; also corporates and institutional clients; operates B2C, B2B segments. |
Key management Mrs. Tina Suzanne George (Whole-Time Director), Mr. Mathews Markose (CEO), Mr. Ramandeep Singh (CFO), Ms. Deepa G (Company Secretary). |
Our journey and innovations Established in 1994, launched auto loans and gold loans, ventured into used vehicle loans, received insurance agency license, attained multiple credit ratings. |
Where we operate Pan-India presence in 23 states and nearly 400 districts, with expansion into North India starting 2015. |
Top products or what we offer Two-wheeler loans, used car loans, commercial vehicle loans, SME/business loans, fixed deposits, insurance, and wealth management services. |
Top brands Blue Wheel Finance (Best Vehicle Financer Award 2024), Muthoot Capital co-lending platform, recognized for ethical practices and corporate governance. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring through interest on loans and financial services fees. |
Our industry position Among leading vehicle finance NBFCs; CRISIL A+ rating reflects strong creditworthiness and market trust. |
Financial highlights FY 2024-25 revenue ₹476 crore, net profit ₹46 crore; steady growth with robust capital adequacy ratio above 22%. |
Geographical revenue split Entire revenue generated within India across diverse states; no international operations. |
Order book - |
Whats driving growth Growth driven by technology adoption, geographic expansion, diversified credit products, and strong dealer partnerships. |
Our future plans Focus on expanding used vehicle finance, corporate agency services in insurance, enhancing digital platforms, and maintaining asset quality. |
Our green promise Issued green bonds of ₹300 crore; ISO 27001:2022 certified for information security and sustainability practices. |
Our people and values Commitment to diversity, ethical governance, and robust risk management with continuous staff training. |
Key challenges ahead Asset quality management, competitive lending market, regulatory compliance, and maintaining growth amidst economic fluctuations. |
Interesting facts Won Golden Peacock Award for Corporate Ethics; recognized as India’s Most Trusted Company 2023; ongoing ISO certification for cybersecurity. |
Risks and strategy Risk mitigated via strict asset quality monitoring, fraud risk management committee, capital adequacy compliance, and diversification of funding sources. |
