Muthoot Finance’s Highest Ever PAT Up By 90%

Historic Highest YoY Growth in Loan AUM by Rs. 35,891 crores of 37%

George Alexander Muthoot, Managing Director

FinTech BizNews Service 

Mumbai, August 13, 2025: A meeting of the Board of Directors of Muthoot Finance Ltd. was held today to consider and approve the unaudited standalone and consolidated results for the quarter ended June 30, 2025.

Consolidated Results of Muthoot Finance Ltd

Muthoot Finance Ltd Consolidated Loan Assets Under Management grew 37% YoY to Rs. 1,33,938 crores in Q1 FY26 as against Rs. 98,048 crores last year. During the quarter, Consolidated Loan Assets Under Management increased by 10% of Rs. 11,757 crores. Consolidated Profit after tax increased by 65% YoY to Rs. 1,974 crores as against Rs. 1,196 crores last year.

(Rs. in crores)

Mr. George Jacob Muthoot, Chairman said “Muthoot Finance has begun FY26 with a strong footing with our Consolidated Loan Assets Under Management reaching highest ever level of Rs. 1,33,938 crores and Standalone Loan Assets Under Management reaching highest ever level of Rs. 1,20,031 crores. It reflects a robust growth of 37% YoY in Consolidated Loan Assets Under Management driven by 237% growth in Gold Loan Assets of Muthoot Money from Rs. 1,449 crores to Rs. 4,879 crores and 40% growth in Gold Loan Assets of Muthoot Finance from Rs. 80,922 crores to Rs. 1,13,194 crores. Consolidated Profit after Tax grew by 65 % YoY to Rs. 1,974 crores, underpinned by healthy growth in our core gold loan business. Our leadership in this segment continues to reflect the deep trust our customers place in us and the effectiveness of our customer-centric approach. As Indian economy advances, demand for quick, reliable, and affordable credit is rising – and gold loans remain a critical enabler in this space. We are also accelerating our digital transformation journey to ensure faster, more seamless credit access for millions of customers across the country. Strategic investments in technology and innovation are enhancing operational efficiency and customer experience. With this momentum, we are confident of sustaining strong growth in the quarters ahead."

Commenting on the Company’s performance, Mr. George Alexander Muthoot, Managing Director, said, "We had an impressive start to the year with our Standalone Loan Assets Under Management reaching a historic high of Rs. 1,20,031 crores, driven by robust 40% YoY growth in gold loan of Rs. 32,272 crores and a 10% QoQ increase of Rs. 10,238 crores. This growth is a testament to our three-pronged strategy to focus on disbursements, operational efficiency, and maintaining healthy margins. As a result, our Standalone Profit after Tax for Q1 FY26 grew by 90 % to reach Rs. 2,046 crores. These results reaffirm our leadership in the gold loan segment, supported by pan India branch network, strong brand equity, and deeper customer engagement. We are encouraged by the growing acceptance of gold loans as a reliable, accessible, and inclusive form of credit. Looking ahead, we are accelerating our efforts to digitally enable our gold loan offerings, making credit access faster, more seamless, and more inclusive. Our technology investments are already enhancing customer experience, reducing turnaround times, and strengthening operational efficiency. The recent RBI guidelines on gold loans will bring greater transparency and further streamline the lending process, while the recent interest rate cuts create a more favourable credit environment. With these supportive tailwinds, and our continued focus on innovation and service excellence, we are well-positioned to sustain strong growth through FY26 and beyond."