Muthoot Finance

Ernakulam, India Founded: 1887 • Age: 139 yrs Listed Fortune India 500 · #142 India's Most Valuable
Consumer and SME loans are provided, secured by gold jewellery.
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About Muthoot Finance

Muthoot Finance is a publicly listed company based in Ernakulam (India) founded in 1887. Consumer and SME loans are provided, secured by gold jewellery. Muthoot Finance has raised $222.53 million across 6 funding rounds from investors including Kotak Mahindra Bank, Wellcome and Baring Private Equity Partners. The company has 48,570 employees. Muthoot Finance has completed 2 acquisitions, including Belstar Investment and Finance and IDBI Mutual Fund. Muthoot Finance was last valued at $1.25 billion in July 2010. Its chief executive, as recorded, is Dheen Lavi. Its website muthootfinance.com draws about 1.2 million monthly visits. Its Indian entity Muthoot Finance Limited reported revenue of ₹31,263 Cr. Muthoot Finance offers products and services including Gold Loan, Housing Finance, Personal Loan, Small Business Loan, and Vehicle Loan. Its focus areas include Consumer and SME Loans and Diversified. Its competitors include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv; 1 of its 3 listed competitors has raised funding.

Company details

Founded in 1887 in Ernakulam, India, Muthoot Finance operates in the financial services sector. Gold-secured loans are offered to individuals and small businesses lacking access to formal credit. Additional services include housing loans, personal loans, small business financing, insurance products, and SME loans. Operations focus on catering to underserved borrowers through a network centered in India.

Muthoot Finance is ranked #142 on the Fortune India 500 (2025).

Recognitions & Rankings of Muthoot Finance

Fortune India 500 2025 edition
Rank#142
Total income
₹20,324 Cr
Profit
₹5,333 Cr
Last year #165
India's Most Valuable Companies 2025 edition · Source: Hurun India
Valuation
₹1,37,480 Cr
2024 #83 2023 #87 2022 #96
  • Headquarters Ernakulam, India
  • Employees 48,570
  • Stage Public
  • Sectors
    Financial Services
  • Website category Finance · Financial Planning and Management
  • Email
    ••••••••
  • Phone
    •••• ••••
  • Website muthootfinance.com
  • Social LinkedIn X Facebook Instagram YouTube
  • Legal Name Muthoot Finance Ltd
Operational Areas
Financial Services → Consumer and SME Loans
Key Metrics
  • Market Cap
    ₹1,17,747 Cr

    MUTHOOTFIN · NSE

  • Share Price
    ₹2,840.00

    -3.17% today

  • Revenue
    ₹31,209 Cr

    FY 2025-26 · +54.4% YoY

  • EBITDA
    ₹25,442 Cr

    Margin 81.5%

  • Net Profit
    ₹10,590 Cr

    FY 2025-26 · +98.6% YoY

  • P/E (TTM)
    9.5x

    P/B 2.7x

  • ROE
    31.0%

    ROCE 15.9%

  • Debt / Equity
    3.67

    Interest cover 43.7x

  • Total Equity Funding
    $222.53M (USD)

    in 6 rounds

  • Latest Funding Round
    $140.9M (USD), Debt – Conventional

    Sep 2019

  • Investors
    Kotak Mahindra Bank

    & 5 more

  • Employee Count
    48,570
  • Investments & Acquisitions
    Belstar Investment and Finance

    & 1 more

Products & Services of Muthoot Finance

Muthoot Finance offers a comprehensive portfolio of products and services, including Gold Loan, Housing Finance, Personal Loan, Small Business Loan, and Vehicle Loan.

Gold Loan
Loan Services

Provides loans against gold jewelry for immediate personal financial needs

Housing Finance
Loan Services

Offers funding for home purchases and real estate development

Personal Loan
Loan Services

Delivers unsecured loans for individual expenses and emergencies

Small Business Loan
Loan Services

Supports small enterprises with tailored business financing options

Vehicle Loan
Loan Services

Facilitates loans for purchasing vehicles and transportation needs

Apps and channels of Muthoot Finance

Muthoot Finance publishes 2 mobile apps with over 5M+ downloads; its YouTube channel The Muthoot Group has 90.7K subscribers and 30 videos.

iMuthoot
Google Play Finance Rated for 3+ Free
Developer: Muthoot Finance Limited
View on Google Play
iMuthoot
App Store Finance 4+
Developer: Muthoot Finance Limited
View on App Store
The Muthoot Group
YouTube 90.7K subscribers 30 videos Nonprofits & Activism
Open channel

Videos from Muthoot Finance

The most watched videos on Muthoot Finance's YouTube channel, The Muthoot Group (90.7K subscribers). Click a video to play it here.

Meet Soni Ji from Howrah | Sunheri Soch Season 3 Narrated by Madhuri Dixit Ji
2.1M views
Meet Manisha Ji from Pune | Sunheri Soch Season 3 Narrated by Madhuri Dixit Ji
2.1M views
Meet Rakesh Kumar from Hamirpur | Sunheri Soch Season 3 Narrated by Madhuri Dixit Ji
2M views
Meet Lakshmi & Sandhya from Delhi | Sunheri Soch Season 3 Narrated by Madhuri Dixit Ji
1.2M views

More on The Muthoot Group.

Funding Insights of Muthoot Finance

Muthoot Finance has successfully raised a total of $222.53M across 6 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $140.9 million completed in September 2019. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.

  • Total Funding $222.53M
  • Total Rounds 6
  • Last Round Debt – Conventional — $140.9M
  • First Round $58.29M

    (Jul 2010)

  • Investors Count 6

All 6 funding rounds of Muthoot Finance with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.

DateAmountTransaction NameValuationLead InvestorsInvestors
Sep 2019$140.9MDebt – Conventional––
–
May 2016$78.89MPrivate Equity Round––
–
Jun 2014$70.5MPrivate Equity Round–GIC
–
Oct 2010$5.63MPrivate Equity Round–Z47
–
Aug 2010$9.22MPrivate Equity Round––
Kotak Mahindra Bank
Jul 2010$58.29MPrivate Equity Round$1.25BBaring Private Equity Partners, Z47
Wellcome, Kotak Investment Advisors
Valuation history
DateValuationStage
Jul 2010$1.25B••••••••

Last known valuation $1.25B (Jul 2010). 6 investors in total: 6 institutional.

Investors in Muthoot Finance

Muthoot Finance has secured backing from 6 investors, including venture fund and institutional investors. Prominent investors backing the company include Kotak Mahindra Bank, Wellcome and Baring Private Equity Partners.

All
Venture Fund
Institutional
InvestorDescriptionFounded YearDomainLocation
GIC
Sovereign wealth is managed and private equity investments are facilitated.
gic.com.sgSingapore, Singapore
Z47
Venture capital investment firm
z47.comBengaluru, India
Baring Private Equity Partners
Private equity firm focusing on buyouts and investments in multiple sectors
1998bpepindia.comMumbai, India
Kotak Mahindra Bank
Commercial banking services are offered to corporate and retail customers.
1985kotak.comMumbai, India
Wellcome
Health research and advocacy are funded globally by the foundation.
1936wellcome.orgLondon, United Kingdom
Kotak Investment Advisors
Provider of investment advisory services
Mumbai, India
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Investor details for Muthoot Finance

The complete investor list, round-by-round participation and investor portfolios require an active premium plan.

  • Complete investor list
  • Round participation
  • Investor portfolios
  • Co-investor network

Verified entity values are shown only after access is granted.

Board of directors of Muthoot Finance Limited (Muthoot Finance)

Muthoot Finance Limited is the primary company behind Muthoot Finance. The board of Muthoot Finance Limited currently have 15 directors; the longest-serving is George Jacob Muthoot, appointed in 2005. 16 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
George Jacob Muthoot
DIN 00018235
Whole-time director16 Aug 200521 yrs 2 moMuthoot Finance Limited
George Thomas Muthoot
DIN 00018281
Whole-time director16 Aug 200521 yrs 2 moMuthoot Finance Limited
George Alexander Muthoot
DIN 00016787
Managing Director20 Nov 200619 yrs 11 moMuthoot Finance Limited
Alexander George
DIN 00938073
Whole-time director05 Nov 201412 yrsMuthoot Finance Limited
Vadakkakara Antony George
DIN 01493737
Director28 Sep 20197 yrs 1 moMuthoot Finance Limited
Ravindra Pisharody
DIN 01875848
Director28 Sep 20197 yrs 1 moMuthoot Finance Limited
Usha Sunny
DIN 07215012
Director30 Nov 20205 yrs 11 moMuthoot Finance Limited
Abraham Chacko
DIN 06676990
Director18 Sep 20215 yrs 1 moMuthoot Finance Limited
George Muthoot Jacob
DIN 00018955
Whole-time director15 Dec 20214 yrs 10 moMuthoot Finance Limited
George Muthoot George
DIN 00018329
Whole-time director15 Dec 20214 yrs 10 moMuthoot Finance Limited
George Alexander
DIN 00018384
Whole-time director15 Dec 20214 yrs 10 moMuthoot Finance Limited
Chamacheril Abraham Mohan
DIN 00628107
Director31 Aug 20224 yrs 2 moMuthoot Finance Limited
Joseph Korah
DIN 09128318
Director29 Sep 20233 yrs 1 moMuthoot Finance Limited
George Joseph
DIN 00253754
Director01 Jun 20251 yr 5 moMuthoot Finance Limited
Koodathumuriyil Verghese Eapen
DIN 01613015
Director01 Oct 20251 yr 1 moMuthoot Finance Limited

People of Muthoot Finance

4 people are tracked at Muthoot Finance (4 in leadership); the tracked headcount is 48,570.

NameRoleGroup
George Alexander Muthoot
Managing DirectorLeadership
Alexander George Muthoot
Managing DirectorLeadership
George Thomas Muthoot
Managing DirectorLeadership
Dheen Lavi
CEOLeadership
Premium access

Complete people profiles for Muthoot Finance

Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.

  • Full employee list
  • Team structure
  • Board tenure
  • Professional contacts

Verified entity values are shown only after access is granted.

IPO & Listings of Muthoot Finance

Muthoot Finance is a publicly listed company on the NSE with ticker symbol MUTHOOTFIN in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • IPO date06 May 2011
  • Listed onNSE: MUTHOOTFIN · BSE: 533398
  • Listed entityMuthoot Finance Ltd
  • Exchange sectorFinance
  • ISININE414G01012
  • Share price₹2,593.00 (-1.26% on the day) · 2026-10-14
  • Market capitalisation₹105,466 Cr
  • Price to earnings9.2
  • EPS (diluted, trailing year)₹283.29
  • Dividend yield1.14%
  • Volume (last session)233,377

Financials of Muthoot Finance

Exchange-reported figures of Muthoot Finance Limited, the listed company behind Muthoot Finance (NSE: MUTHOOTFIN).

Financial Highlights

FY 2025-26 · Consolidated
Revenue
₹31,209 Cr
+54.4% YoY
EBITDA
₹25,442 Cr
+72.0% YoY
Profit After Tax
₹10,590 Cr
+98.6% YoY
Net Worth
₹39,130 Cr
+33.2% YoY
Total Assets
₹1,91,581 Cr
+48.1% YoY
Total Debt
₹1,51,806 Cr
+52.7% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue31,20920,21415,06211,89812,18611,5359,684
Revenue growth+54.4%+34.2%+26.6%-2.4%+5.6%+19.1%-
EBITDA25,44214,79211,4399,1489,6959,2727,476
EBITDA margin+81.5%+73.2%+76.0%+76.9%+79.6%+80.4%+77.2%
Profit before tax14,3057,2665,9964,9235,4105,1314,260
Net profit10,5905,3334,3243,6134,0173,8073,139
Net profit margin+33.9%+26.4%+28.7%+30.4%+33.0%+33.0%+32.4%
EPS (₹)263.79132.84107.7189.98100.0894.8378.25
Balance sheet
Total assets1,91,5811,29,37693,87977,95773,70666,17452,953
Net worth39,13029,36725,10721,66618,78615,57511,829
Total debt1,51,80699,38368,12555,80454,56950,41440,952
Cash & bank12,8688,3466,2728,03610,3158,0216,131
Net working capital11,2645,5264,3286,3558,1696,1464,911
Cash flow
Cash from operations(47,393)(26,525)(13,605)(2,804)(1,596)(7,814)(4,970)
Cash from investing2,461(1,375)47.6718041036.64(385)
Cash from financing49,32030,04111,8093953,4459,7129,193
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue9,9988,6729,2898,1887,2836,4505,6225,190
Revenue growth (YoY)+37.3%+34.4%+65.2%+57.8%+47.8%+44.2%--
Other income13.0123.212.6519.7849.8015.555.6231.95
EBITDA8,1417,2647,7616,7625,8035,0284,0733,784
EBITDA margin+81.4%+83.8%+83.6%+82.6%+79.7%+78.0%+72.4%+72.9%
Depreciation38.2231.4024.4840.4837.6134.7534.7130.58
Interest3,7173,4583,1552,9192,5712,3552,1111,900
Profit before tax4,3993,7974,5843,8223,2442,6541,9321,886
Tax1,1219721,187999833680488495
Net profit3,2782,8253,3972,8232,4121,9741,4441,392
EPS (₹)80.8769.7283.4369.8460.3050.2236.8135.36
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue27,55817,09912,63510,51511,08210,5578,715
Revenue growth+61.2%+35.3%+20.2%-5.1%+5.0%+21.1%-
EBITDA23,67513,57710,1228,4059,1928,7396,888
EBITDA margin+85.9%+79.4%+80.1%+79.9%+82.9%+82.8%+79.0%
Profit before tax13,6457,0715,4494,6665,3095,0074,057
Net profit10,1335,2004,0493,4733,9543,7223,018
Net profit margin+36.8%+30.4%+32.1%+33.0%+35.7%+35.3%+34.6%
EPS (₹)252.43129.54100.8786.5398.5392.7875.26
Balance sheet
Total assets1,76,1861,18,25883,07370,79668,15661,18548,702
Net worth37,74228,43824,29021,06218,34515,23911,572
Total debt1,38,44389,82058,78349,73449,81145,94637,130
Cash & bank11,7077,1915,0466,4619,2437,1905,641
Net working capital10,1274,5253,3324,8357,0895,2174,407
Cash flow
Cash from operations(42,324)(25,855)(9,302)(1,902)(1,142)(7,477)(4,458)
Cash from investing1,270(1,944)(739)18840847.57(429)
Cash from financing45,56929,9338,649(1,036)2,7969,0418,678
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue8,8347,5898,1807,2436,4325,7034,8544,423
Revenue growth (YoY)+37.3%+33.1%+68.5%+63.7%+56.2%+54.0%--
Other income7.5714.2014.0110.5328.5916.6919.677.70
Total expenses1,4591,0141,154997971832951913
EBITDA7,3756,5747,0266,2465,4614,8723,9033,510
EBITDA margin+83.5%+86.6%+85.9%+86.2%+84.9%+85.4%+80.4%+79.4%
Depreciation25.7619.7310.1227.8825.6723.5622.6919.92
Interest3,3653,1462,8632,6472,3132,1191,8801,648
Profit before tax3,9933,4234,1673,5823,1512,7462,0201,851
Tax1,0168731,081925806699513487

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 13 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue9,9988,6729,2898,1887,2836,4505,6225,190
Revenue growth (YoY)+37.3%+34.4%+65.2%+57.8%+47.8%+44.2%--
Other income13.0123.212.6519.7849.8015.555.6231.95
EBITDA8,1417,2647,7616,7625,8035,0284,0733,784
EBITDA margin+81.4%+83.8%+83.6%+82.6%+79.7%+78.0%+72.4%+72.9%
Depreciation38.2231.4024.4840.4837.6134.7534.7130.58
Interest3,7173,4583,1552,9192,5712,3552,1111,900
Profit before tax4,3993,7974,5843,8223,2442,6541,9321,886
Tax1,1219721,187999833680488495
Net profit3,2782,8253,3972,8232,4121,9741,4441,392
EPS (₹)80.8769.7283.4369.8460.3050.2236.8135.36
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue31,20920,21415,06211,89812,18611,5359,684
Revenue growth+54.4%+34.2%+26.6%-2.4%+5.6%+19.1%-
Other income54.1850.9210177.3452.5535.6323.29
Total expenses5,7675,4223,6232,7492,4902,2622,208
Employee cost2,7912,1951,8281,4881,2371,1891,208
EBITDA25,44214,79211,4399,1489,6959,2727,476
EBITDA margin+81.5%+73.2%+76.0%+76.9%+79.6%+80.4%+77.2%
Depreciation13711692.1178.1670.0067.3659.24
Interest11,0547,4615,4524,2254,2684,1093,180
Profit before tax14,3057,2665,9964,9235,4105,1314,260
Tax3,6981,9141,5291,2531,3791,3131,092
Net profit10,5905,3334,3243,6134,0173,8073,139
Net profit margin+33.9%+26.4%+28.7%+30.4%+33.0%+33.0%+32.4%
EPS (₹)263.79132.84107.7189.98100.0894.8378.25
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital401401401401401401401
Reserves & surplus38,72928,96524,70621,26418,38415,17411,428
Shareholders' funds (net worth)39,13029,36725,10721,66618,78615,57511,829
Minority interest644627647487352185172
Secured loans1,41,81491,11561,59953,60451,92144,93235,365
Unsecured loans9,9928,2686,5262,1992,6485,4835,587
Total debt1,51,80699,38368,12555,80454,56950,41440,952
Total liabilities1,91,5811,29,37693,87977,95773,70666,17452,953
Assets
Gross block1,3771,212906734626544471
Net block721682482386342327314
Capital work in progress10.6312.8388.6867.4752.3938.5328.74
Investments5502,401712546523809630
Inventories1.120.430.430.430.670.670.67
Sundry debtors11.6011.8617.849.907.019.808.98
Cash & bank balances12,8688,3466,2728,03610,3158,0216,131
Loans & advances2,523627612486440568684
Total current assets15,4048,9856,9028,53210,7628,6006,824
Total current liabilities4,1403,4592,5742,1772,5932,4531,913
Net working capital11,2645,5264,3286,3558,1696,1464,911
Total assets1,91,5811,29,37693,87977,95773,70666,17452,953
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash8,2246,0827,83110,0607,8015,8662,028
Net cash from operating activities(47,393)(26,525)(13,605)(2,804)(1,596)(7,814)(4,970)
Net cash from investing activities2,461(1,375)47.6718041036.64(385)
Net cash from financing activities49,32030,04111,8093953,4459,7129,193
Net change in cash4,3882,142(1,749)(2,229)2,2601,9353,838
Closing cash12,8688,3466,2728,03610,3158,0216,131
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+54.4%+34.2%+26.6%-2.4%+5.6%+19.1%-
EBITDA growth+72.0%+29.3%+25.0%-5.6%+4.6%+24.0%-
PBT growth+96.9%+21.2%+21.8%-9.0%+5.4%+20.5%+30.7%
Net income growth+98.6%+23.3%+19.7%-10.1%+5.5%+21.3%-
Revenue CAGR (3Y)+37.9%+18.4%+9.3%+7.1%+17.1%+20.3%+17.7%
EBITDA CAGR (3Y)+40.6%+15.1%+7.3%+7.0%+18.4%+23.0%+19.5%
Profitability & leverage
Net income margin+34.0%+26.5%+29.7%+30.8%+33.1%+33.1%+32.7%
Return on capital employed+15.9%+13.3%+13.4%+12.1%+13.9%+15.6%+16.0%
Return on net worth+31.0%+19.7%+19.1%+18.1%+23.5%+27.9%+29.1%
Debt / equity3.673.082.652.733.063.333.27
Long-term debt / equity2.932.291.902.002.122.101.73
Interest cover43.6850.8448.0446.5844.3444.6442.87
Efficiency & per share
Fixed asset turnover24.1519.1318.4917.6220.9422.8023.30
Inventory turnover40,339.8847,128.1235,262.2121,772.7318,265.9117,268.949,072.21
Debtors turnover2,665.251,364.651,093.201,416.321,456.061,232.18633.22
EPS (₹)263.79132.84107.7189.98100.0894.8378.25
Dividend per share (₹)30.0026.0024.0022.0020.0020.0015.00
Book value per share (₹)974.68731.49625.39539.69468.07388.21294.97
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue8,8347,5898,1807,2436,4325,7034,8544,423
Revenue growth (YoY)+37.3%+33.1%+68.5%+63.7%+56.2%+54.0%--
Other income7.5714.2014.0110.5328.5916.6919.677.70
Total expenses1,4591,0141,154997971832951913
EBITDA7,3756,5747,0266,2465,4614,8723,9033,510
EBITDA margin+83.5%+86.6%+85.9%+86.2%+84.9%+85.4%+80.4%+79.4%
Depreciation25.7619.7310.1227.8825.6723.5622.6919.92
Interest3,3653,1462,8632,6472,3132,1191,8801,648
Profit before tax3,9933,4234,1673,5823,1512,7462,0201,851
Tax1,0168731,081925806699513487
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue27,55817,09912,63510,51511,08210,5578,715
Revenue growth+61.2%+35.3%+20.2%-5.1%+5.0%+21.1%-
Other income41.6236.0559.0428.9016.0717.158.15
Total expenses3,8843,5222,5132,1101,8911,8181,827
Employee cost1,9671,5671,3871,1991,0301,0061,029
EBITDA23,67513,57710,1228,4059,1928,7396,888
EBITDA margin+85.9%+79.4%+80.1%+79.9%+82.9%+82.8%+79.0%
Depreciation87.2376.8665.6358.3153.9150.7143.09
Interest9,9846,4664,6673,7093,8453,6992,796
Profit before tax13,6457,0715,4494,6665,3095,0074,057
Tax3,5111,8701,3991,1931,3551,2841,039
Net profit10,1335,2004,0493,4733,9543,7223,018
Net profit margin+36.8%+30.4%+32.1%+33.0%+35.7%+35.3%+34.6%
EPS (₹)252.43129.54100.8786.5398.5392.7875.26
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital401401401401401401401
Reserves & surplus37,34128,03623,88920,66017,94314,83811,171
Shareholders' funds (net worth)37,74228,43824,29021,06218,34515,23911,572
Secured loans1,30,74883,04353,41647,86947,70740,90132,049
Unsecured loans7,6956,7775,3671,8652,1045,0455,081
Total debt1,38,44389,82058,78349,73449,81145,94637,130
Total liabilities1,76,1861,18,25883,07370,79668,15661,18548,702
Assets
Gross block1,008908702560499425356
Net block514480350272267247228
Capital work in progress10.4912.5488.3267.4345.6538.4828.74
Investments3,8554,4992,2681,3171,3201,5901,438
Inventories1.120.430.430.430.670.670.67
Sundry debtors1.260.931.031.612.143.474.73
Cash & bank balances11,7077,1915,0466,4619,2437,1905,641
Loans & advances2,177323240196243303515
Total current assets13,8867,5165,2876,6599,4887,4976,161
Total current liabilities3,7592,9911,9551,8242,3992,2801,754
Net working capital10,1274,5253,3324,8357,0895,2174,407
Total assets1,76,1861,18,25883,07370,79668,15661,18548,702
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash7,1705,0376,4299,1797,1175,5051,713
Net cash from operating activities(42,324)(25,855)(9,302)(1,902)(1,142)(7,477)(4,458)
Net cash from investing activities1,270(1,944)(739)18840847.57(429)
Net cash from financing activities45,56929,9338,649(1,036)2,7969,0418,678
Net change in cash4,5162,134(1,392)(2,750)2,0621,6123,791
Closing cash11,7077,1915,0466,4619,2437,1905,641
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+61.2%+35.3%+20.2%-5.1%+5.0%+21.1%-
EBITDA growth+74.4%+34.1%+20.4%-8.6%+5.2%+26.9%-
PBT growth+93.0%+29.8%+16.8%-12.1%+6.1%+23.4%+31.9%
Net income growth+94.9%+28.4%+16.6%-12.2%+6.2%+23.3%-
Revenue CAGR (3Y)+37.9%+15.6%+6.2%+6.5%+17.2%+19.0%+14.9%
EBITDA CAGR (3Y)+41.2%+13.9%+5.0%+6.9%+19.7%+22.5%+17.3%
Profitability & leverage
Net income margin+36.8%+30.4%+32.1%+33.0%+35.7%+35.3%+34.6%
Return on capital employed+16.1%+13.5%+13.2%+12.1%+14.2%+15.8%+16.1%
Return on net worth+30.6%+19.7%+17.9%+17.6%+23.6%+27.8%+28.3%
Debt / equity3.452.822.392.532.853.102.99
Long-term debt / equity2.712.011.631.791.911.841.42
Interest cover42.3347.8946.4044.4442.0742.5840.84
Efficiency & per share
Fixed asset turnover28.8221.2920.1119.9124.0227.0627.49
Inventory turnover35,612.7439,849.1629,521.0519,170.4516,564.7615,782.6313,019.09
Debtors turnover25,205.3617,484.849,616.705,623.333,956.652,579.11839.13
EPS (₹)252.43129.54100.8786.5398.5392.7875.26
Dividend per share (₹)30.0026.0024.0022.0020.0020.0015.00
Book value per share (₹)940.11708.35605.05524.65457.08379.84288.55

Investments & Acquisitions by Muthoot Finance

Muthoot Finance has strategically engaged in corporate development activities, having acquired 2 companies. Notable acquisitions include Belstar Investment and Finance and IDBI Mutual Fund.

Acquisitions
Company NameDescriptionDomainLocationFoundedAcquiredAmount
IDBI Mutual Fund
Mutual fund investments and research are offered online to individuals.
idbimutual.co.inMumbai, India2010Nov 2019••••
Belstar Investment and Finance
Micro loans are extended to SHG members for enterprise setup.
belstar.inChennai, India1988Nov 2016$1.26M
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Timeline of Muthoot Finance

7 dated milestones of Muthoot Finance across 132 years, from founding to its latest funding, stage changes and deals.

  1. Founded Muthoot Finance is founded.
  2. Funding First funding round of $58.3M.
  3. Milestone Reaches Unicorn status.
  4. IPO Lists on the stock exchange (IPO).
  5. Acquisition Acquires Belstar Investment and Finance.
  6. Funding Latest funding round, Debt – Conventional, of $140.9M.
  7. Acquisition Acquires IDBI Mutual Fund.

Competitors of Muthoot Finance

Muthoot Finance has 3 listed competitors in our database, 1 of them funded. They include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
Manappuram Finance
manappuram.com1992Valapad, India$39.98M32,076
Consumer and SME loans are provided by Manappuram Finance.
L & T Finance Holdings
ltfs.com1994Mumbai, India39,216
Diversified lending services are provided as a non-banking financial institution.
Bajaj Finserv
bajajfinserv.in2007Pune, India53,782
Financial solutions including loans and insurance are offered.
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Detailed competitors of Muthoot Finance

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Web traffic of Muthoot Finance

The website of Muthoot Finance (muthootfinance.com) receives about 1.2M visits a month and ranks #47,092 among all websites worldwide, #2,981 in Financial Planning and Management.

  • Monthly visits
    1.2M

    ▲ 1.1% vs previous month

  • Unique visitors
    604.8K

    per month

  • Global rank
    #47,092

    among all websites

  • Category rank
    #2,981

    Finance · Financial Planning and Management

Similar websites

Websites whose visitors overlap most with Muthoot Finance. Affinity shows how closely the audiences match.

WebsiteDomainAudience affinityMonthly visitsGlobal rankProfile
Manappuram Finance
manappuram.com
100%
289.1K#160,707View details
Muthoot Fincorp
muthootfincorp.com
70%
106.5K#359,585View details
Poonawalla Fincorp
poonawallafincorp.com
61%
1.5M#21,547View details
IIFL Finance
iifl.com
57%
1.2M#80,758View details
Unity Small Finance Bank
theunitybank.com
57%
161.3K#185,271View details
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
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Top companies in Consumer and SME Loans

3 companies that operate in the same segment as Muthoot Finance (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
Manappuram Finance
Consumer and SME loans are provided by Manappuram Finance.
1992Valapad, Kerala, IndiaUSD 39.98 MUSD 1.01 B51,650
HomeFirst Finance
Affordable home loans are extended to low and middle-income groups.
2010Mumbai, Maharashtra, IndiaUSD 209.7 MUSD 204.93 M1,634
L & T Finance Holdings
Diversified lending services are provided as a non-banking financial institution.
1994Mumbai, Maharashtra, IndiaUSD 1.9 B167
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Related news about Muthoot Finance

MUTHOOTFIN: Q2 SL NET PROFIT 32.5B RUPEES VS 24.2B (YOY); Q2 REVENUE 99.98B RUPEES VS 72.8B (YOY)
Exchange Update • 11 days ago
Muthoot Finance: CLSA on Muthoot Finance maintains Outperform, Target Price cut to Rs 3500; Q2FY27 PAT beat estimates by 14%, driven by stronger NII, which grew 23% QoQ on 9% AUM growth and 150bps yield expansion. Gold-loan tonnage growth and customer additions accelerated, while Stage 2 and 3 loans rose due to missed payments on newer, shorter-tenure products. Management sees no underlying stress and expects ROE of 23%/21% in FY28/FY29. Valuation at 8x FY28 P/E offers an attractive risk-reward.
Exchange Update • 11 days ago
MUTHOOTFIN: Rs. 30.53 Crores BSE Block Trade; for ~ 112,433 Shares, at Rs. 2715.70
Exchange Update • 1 month ago
Top stocks to watch today: Infosys, IRFC, Muthoot Finance among shares in focus on Thursday, 1 Oct | Full list | Stock Market News
mint • 1 month ago
Muthoot Finance's Sri Lankan Subsidiary Asia Asset Finance Raises LKR 1.5 Billion Through Rights Issue
The Tribune • 1 month ago
Muthoot Finance's Sri Lankan Subsidiary Asia Asset Finance Raises LKR 1.5 Billion through Rights Issue - The Wire
The Wire • 1 month ago
Trade Spotlight: How should you trade Deepak Fertilisers, Lupin, Muthoot Finance, Sapphire Foods, Samvardhana Motherson, and others on September 22?
Moneycontrol • 1 month ago
Blue Machines AI Partners with Muthoot Finance to Deploy Conversational AI
The Tribune • 2 months ago
Muthoot Finance’s AI-led gold loan engagement boosts branch conversion 150%: Blue Machines AI - The Economic Times
Economic Times • 2 months ago
Manappuram Finance, Muthoot Finance shares: Jefferies gives 'Buy' call on this gold loan stock, sees 34% upside - BusinessToday
Business Today • 2 months ago
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Frequently Asked Questions about Muthoot Finance

Muthoot Finance was founded in 1887 and raised its 1st funding round 123 years after it was founded.

Muthoot Finance is headquartered in Ernakulam, India. It is registered at Ernakulam, Kerala, India.

Dheen Lavi is the CEO of Muthoot Finance, as recorded in our data.

Muthoot Finance is a funded company, having raised a total of $222.53M across 6 funding rounds to date. The company's 1st funding round was a Private Equity Round of $58.29M, raised on Jul 2010.

Muthoot Finance has 48,570 employees.

The primary company behind Muthoot Finance, Muthoot Finance Limited, reported revenue of ₹31,263 Cr for FY 2026, up 54% year on year.

Founded in 1887 in Ernakulam, India, Muthoot Finance operates in the financial services sector. Gold-secured loans are offered to individuals and small businesses lacking access to formal credit. Additional services include housing loans, personal loans, small business financing, insurance products, and SME loans. Operations focus on catering to underserved borrowers through a network centered in India.

Muthoot Finance's top competitors include Manappuram Finance, L & T Finance Holdings and Bajaj Finserv.

Muthoot Finance offers Gold Loan, Housing Finance, Personal Loan, Small Business Loan, and Vehicle Loan.

Yes, Muthoot Finance is publicly traded on NSE under the ticker symbol MUTHOOTFIN.

Muthoot Finance has made 2 acquisitions, including Belstar Investment and Finance, and IDBI Mutual Fund.

Muthoot Finance has 6 investors. Key investors include Kotak Mahindra Bank, Wellcome, Baring Private Equity Partners, GIC, and Z47.

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