Muthoot Finance Ltd (MUTHOOTFIN) Share Price & Fundamentals

What we do

Muthoot Finance Ltd is India's largest gold financing company, offering gold-secured loans and diversified financial services across India and Sri Lanka.

Founded in

1,997

Market share

Leading gold loan player with over 4,800 branches and a dominant loan portfolio surpassing Rs 1 trillion.

Problem solved

Provides quick credit access to individuals lacking formal credit options, secured by gold jewellery.

Top clients or who we serve

Primarily serves retail customers in India’s rural and semi-urban regions; also offers microfinance, housing finance, and insurance services (B2C primarily).

Key management

Chairman George Jacob Muthoot and Managing Director George Alexander Muthoot lead with decades of industry experience.

Our journey and innovations

Founded on a 1939 gold loan legacy, expanded via aggressive branch growth, diversified into microfinance, housing finance and insurance broking.

Where we operate

29 Indian states and union territories and Sri Lanka through Asia Asset Finance PLC.

Top products or what we offer

Gold loans, microfinance loans, affordable housing finance, loan against property, business loans, insurance broking.

Top brands

Muthoot Finance (gold loans): India's #1 gold loan provider with extensive pan-India reach; Muthoot Homefin (affordable housing financing).

Raw materials needed

Not applicable; financial services based.

Raw materials supplier

Not applicable.

Recurring vs cyclical contribution

Majority recurring revenue from gold loan interest; complemented by cyclical revenues from microfinance and insurance.

Our industry position

Market leader in gold financing with high credit ratings and trusted brand identity.

Financial highlights

FY2025 standalone revenue ₹171,559 million, profit after tax ₹52,008 million, 43% YoY loan portfolio growth to ₹1.08 trillion.

Geographical revenue split

Majority revenue from operations within India with small contribution from Sri Lankan subsidiary.

Order book

Not applicable.

Whats driving growth

Strong demand for gold loans, digital initiatives, expanding branch network, and product diversification.

Our future plans

Expanding branch network, digital transformation, increasing penetration in non-gold loan segments.

Our green promise

Invests in renewable energy projects; active ESG governance through Board-level committee.

Our people and values

Over 31,000 employees; emphasis on ethical practices, diversity and workplace safety.

Key challenges ahead

Managing credit risk, regulatory compliance, increasing competition, and economic fluctuations.

Interesting facts

Five-time winner of India's Most Trusted Financial Services Brand; digitally innovated gold loan processes with iMithra platform.

Risks and strategy

Risks include collateral and credit risks; mitigated by stringent appraisal, diversified products, and strong internal audit.