Fortune India 500 2025 edition
Rank#304- Total income
- ₹8,511 Cr
- Profit
- ₹608 Cr
Last year #340
Muthoot Fincorp Limited - financial services in Thiruvananthapuram, Kerala, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹5,550.53 Cr
▲ 29% YoY
Net profit · FY 2025
₹607.99 Cr
Net margin 11%
EBITDA · FY 2025
₹4,880.24 Cr
EBITDA margin 87.9%
Authorised capital
₹1,000 Cr
Registered with MCA
Paid-up capital
₹595.6 Cr
Issued & subscribed
Open charges
₹52,363 Cr
Satisfied ₹22,888 Cr
Company age
29 yrs
Est. 1997
Employees · EPFO
27,248
Provident fund records
About Muthoot Fincorp Limited
Data last updated:
Muthoot Fincorp Limited is a public limited company based in Thiruvananthapuram, Kerala, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 10 June 1997 and has been in existence for over 29 years.
Muthoot Fincorp is ranked #304 on the Fortune India 500 (2025). Its director Thomas George Muthoot is #678 among India's richest people (2026). Its director Thomas John Muthoot is #678 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65929KL1997PLC011518. Its GSTIN is 32AACCM1453E1Z2 (Kerala). The company holds 29 GST registrations, of which 28 are active.
The company has an authorised share capital of ₹1,000 Cr and a paid-up capital of ₹595.6 Cr. It was formerly known as Muthoot Debt Management Services Limited. It is led by directors including Thomas John Muthoot (Managing Director) and Thomas Muthoot (Whole-Time Director).
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Muthoot Centre Tc No 27/ 3022 Punnen Road, Thiruvananthapuram, Kerala, India – 695001.
As per the financials filed for FY 2025, the company reported a revenue of ₹5,550.53 Cr, a growth of 29% compared to the previous year. For the same year it recorded a net profit of ₹607.99 Cr (net margin 11%) and EBITDA of ₹4,880.24 Cr (EBITDA margin 87.9%). Revenue has grown at a compounded annual rate (CAGR) of 25% over three years and 18% over five years.
The company has about 27,248 employees on its provident fund (EPFO) records. Its group structure includes 3 subsidiaries.
The company is associated with 2 brands: ONE Muthoot and Muthoot Fincorp. As per MCA filings, the company has open charges of ₹52,363 Cr and satisfied charges of ₹22,888 Cr on record. Court records list 10,259 cases involving the company, including 9,784 filed by the company and 476 filed against it; 6,349 cases are pending. The company has 10 deals on record (7 funding rounds, 2 secondary share transfers, 1 rights issue), with disclosed funding of ₹456.25 Cr; the latest was in June 2021. Its 5 peer companies in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 2 smaller; the largest is Hero Fincorp Limited with revenue of ₹9,903.33 Cr. The company has 5 MSME Form 1 returns on record between 2021 and 2024, listing 235 overdue payments to 57 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website muthootfincorp.com.
Company details
CIN U65929KL1997PLC011518
Registration Number 011518
Incorporation Date 10 June 1997
ROC Ernakulam
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
Key People
Thomas John Muthoot Managing Director Thomas Muthoot Whole-Time Director Thomas George Muthoot Whole-Time Director Recognitions & Rankings of Muthoot Fincorp
India's Most Valuable Companies 2025 edition · Source: Hurun India
- Valuation
- ₹26,180 Cr
India's Richest People 2026 edition · 3 directors · Source: Hurun India
- #678 Thomas George Muthoot ₹4,700 Cr
- #678 Thomas John Muthoot ₹4,700 Cr
- #678 Thomas Muthoot ₹4,700 Cr
Contact details
Muthoot Fincorp Limited's registered office is in Thiruvananthapuram, Kerala. Its website is muthootfincorp.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Apps
- Registered AddressMuthoot Centre Tc No 27/ 3022 Punnen Road, Thiruvananthapuram, Kerala, India – 695001
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Muthoot Fincorp Limited, buy the company report.
Comprehensive company report
Muthoot Fincorp Limited - one report that includes everything
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
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Secure checkout · GST invoice included
Brands
Muthoot Fincorp operates two associated brands: ONE Muthoot and Muthoot Fincorp. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides gold loans, digital gold, and forex via app for individual customers. | onemuthoot.com | |
| Non-banking financial company specializes in providing a range of financial products & services | muthootfincorp.com |
Business activity
The main business activity of Muthoot Fincorp is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Muthoot Fincorp Limited, buy the company report.
Financials of Muthoot Fincorp Limited
FY 2025 filings availableMuthoot Fincorp Limited reported revenue of ₹5,550.53 Cr (up 29% YoY) for FY 2025.
Revenue · FY 2025
₹5,550.53 Cr ▲ 29%
Net profit · FY 2025
₹607.99 Cr margin 11%
EBITDA · FY 2025
₹4,880.24 Cr margin 87.9%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 29%
3 years · compounded
▲ 25%
5 years · compounded
▲ 18%
EBITDA CAGR growth
1 year
▲ 9%
3 years · compounded
▲ 19%
5 years · compounded
▲ 16%
Revenue has grown at a compounded annual rate (CAGR) of 18% over five years, including 29% growth in the latest year. EBITDA rose 9% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹5,550.53 Cr | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹4,880.24 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹607.99 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
| Total Liabilities | |||||
| Fixed Assets | |||||
| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
| Cash and Bank Balance | |||||
| Total Assets | |||||
Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 87.9% | ||||
| Net Profit Margin | 11% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
| Debt-to-Equity Ratio | |||||
| Interest Coverage Ratio | |||||
| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
| Revenue Growth | |||||
| Net Profit Growth | |||||
To see the full financial statements and ratios of Muthoot Fincorp Limited, buy the company report.
Board of directors of Muthoot Fincorp Limited
Muthoot Fincorp has 10 current directors and 14 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Badal Chandra Das Also directs: Haldia Petrochemicals Limited | Director | 01 Dec 2022 | 3 Years 10 Months | Current |
| Thomas Muthoot Also directs: Muthoot Microfin Limited, Muthoot Automotive (India) Private Limited, Muthoot Automobile Solutions Private Limited and 5 more | Whole-Time Director | 30 May 2011 | 15 Years 4 Months | Current |
| Thomas John Muthoot Also directs: Muthoot Automotive (India) Private Limited, Muthoot Automobile Solutions Private Limited, Muthoot Hotels Private Limited and 5 more | Managing Director | 01 Feb 2013 | 13 Years 8 Months | Current |
| Preethi John Muthoot | Additional Director | 28 Mar 2019 | 7 Years 6 Months | Current |
| Thomas George Muthoot Also directs: Muthoot Microfin Limited, Muthoot Infrastructure Private Limited, Muthoot Automotive (India) Private Limited and 5 more | Whole-Time Director | 10 Jun 1997 | 29 Years 4 Months | Current |
| Ravi Ramchandran | Director | 28 Feb 2023 | 3 Years 7 Months | Current |
Showing 6 of 10 current directors. View all directors
Peer comparison
Muthoot Fincorp Limited is compared with the 5 companies closest to it by revenue in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Hero Fincorp Limited | ₹9,903.33 Cr (FY 2025) | 18.0% | New Delhi, Delhi, India | |||
| SMFG India Credit Company Limited | ₹8,083.02 Cr (FY 2024) | 41.0% | Sriperumbudur, Tamil Nadu, India | |||
| Shriram Capital Limited | ₹7,932.16 Cr (FY 2022) | 3.0% | Chennai, Tamil Nadu, India | |||
| Muthoot Fincorp Limitedthis company | ₹5,550.53 Cr (FY 2025) | ₹607.99 Cr | 11% | 29.0% | 27,248 | Thiruvananthapuram, Kerala, India |
| Creditaccess Grameen Limited | ₹5,172.66 Cr (FY 2024) | 46.0% | Bangalore, Karnataka, India | |||
| Sbi Cards and Payment Services Limited | ₹5,144.36 Cr (FY 2018) | 53.0% | New Delhi, Delhi, India |
To see the full peer comparison of Muthoot Fincorp Limited, buy the company report.
Auditor
Muthoot Fincorp Limited is audited by Rangamani & Co. for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Rangamani & Co. | FY 2018 | 003050S |
Shareholding
The shareholding of Muthoot Fincorp Limited is on record for 5 financial years, the latest being FY 2024, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Muthoot Fincorp Limited, buy the company report.
Charges & borrowings
Open charges
₹52,363 Cr
Satisfied charges
₹22,888 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 23 Jul 2026 | 101359663 | Others | ₹100 Cr | Open | |
| 20 Jul 2026 | 101344006 | Others | ₹1,000 Cr | Open | |
| 07 Jul 2026 | 101362968 | Others | ₹809.71 Cr | Open | |
| 30 Jun 2026 | 101342527 | Others | ₹1,000 Cr | Open | |
| 29 Jun 2026 | 101338074 | Canara Bank | ₹500 Cr | Open |
To see the full charge records of Muthoot Fincorp Limited, buy the company report.
Total charge records: 436 View all charges
Deals & funding
Muthoot Fincorp Limited has 10 deals on record (7 funding rounds, 2 secondary share transfers, 1 rights issue), with disclosed funding of ₹456.25 Cr; the latest was in June 2021.
Total deals
10
Funding rounds
7
Secondary share transfers
2
Rights issue
1
Disclosed funding
₹456.25 Cr
Deals on record (5 of 10)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Apr 2021 | Secondary share transfer | Undisclosed | Buyer: 3 individuals Seller: 3 individuals |
| Mar 2017 | Rights issue | ₹150 Cr | Investors: 4 individuals |
| Dec 2013 | Secondary share transfer | Undisclosed | Buyer: 3 individuals Seller: an individual |
| Feb 2012 | Funding round | ₹106.25 Cr | Investors: 3 individuals |
| Sep 2011 | Funding round | ₹100 Cr | Investors: 3 individuals |
To see the full deal history of Muthoot Fincorp Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Muthoot Fincorp Limited has 10,259 court cases on record: 9,784 filed by Muthoot Fincorp, 476 filed against it. 6,349 cases are pending and 3,910 are disposed.
Total cases
10,259
Filed by the company
9,784
Filed against the company
476
Pending
6,349
Disposed
3,910
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 9,850 | 324 | 6,261 |
| High courts | 373 | 135 | 75 |
| NCLAT | 16 | 9 | 12 |
| Supreme Court | 12 | 8 | 1 |
| NCLT | 8 | 0 | 0 |
Cases on record (5 of 10,259)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Central, Delhi | Court case (Insolvency) | Filed against the company | Pending |
| District court, Medchal Malkajgiri, Telangana | Civil suit | Filed against the company | Pending |
| District court, DAKSHINA KANNADA, Karnataka | Criminal complaint | Filed against the company by an individual | Pending |
| District court, Ratlam, Madhya Pradesh | Court case (UN CIV) | Filed against the company by an individual | Pending |
| District court, VIJAYANAGAR, Karnataka | Court case (I.C.) | Filed against the company by an individual | Pending |
To see the full case history of Muthoot Fincorp Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Muthoot Fincorp Limited was last rated by Brickwork on 15 Mar 2022.
| Rating agency | Rated on | Rating |
|---|---|---|
| Brickwork | 15 Mar 2022 |
To see the full credit ratings and regulatory alerts of Muthoot Fincorp Limited, buy the company report.
MSME payment delays
Muthoot Fincorp Limited has 5 MSME Form 1 returns on record between 2021 and 2024, listing 235 overdue payments to 57 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (5 of 57)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| an individual supplier | |||
| Triad Marketing Services | |||
| an individual supplier | |||
| an individual supplier | |||
| an individual supplier |
To see the full MSME payment records of Muthoot Fincorp Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
Muthoot Fincorp has 3 subsidiary companies. This group structure data is as of FY 2024. The table lists each entity with its relationship and holding.
3
Subsidiary companies
Key subsidiaries
| Company Name | CIN | Shares held |
|---|---|---|
| Muthoot Microfin Limited | L65190MH1992PLC066228 | |
| Muthoot Housing Finance Company Limited | U65922KL2010PLC025624 | |
| Muthoot Pappachan Technologies Limited | U72200KL2012PLC032664 |
To see the full group structure of Muthoot Fincorp Limited, buy the company report.
Employees & EPFO
Muthoot Fincorp Limited has a workforce of 27,248 employees on its EPFO records as of Feb 22, 2026, across 1 active EPFO establishment.
Employee count
27,248
Active EPFO establishments
1
Employee growth
9.41%
GST
Muthoot Fincorp has 29 GST registrations: 28 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.
Total GSTINs
29
Active
28
Cancelled / inactive
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AACCM1453E1Z2 | Kerala | Active | 01 Jul 2017 |
| 32AACCM1453E2Z1 | Kerala | Active | 11 Aug 2017 |
| 03AACCM1453E1Z3 | Punjab | Active | 01 Jul 2017 |
| 04AACCM1453E1Z1 | Chandigarh | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Muthoot Fincorp Limited, buy the company report.
Recent activity
Muthoot Fincorp Limited has 23 board changes on record since 1997: 10 appointments and 13 cessations. The latest: Sarah Mannikoikal George was appointed as Director on 08 Aug 2026.
Appointed
Sarah Mannikoikal George was appointed as Director.
Charges
A charge with Others amounted to Rs. 100.00 Cr with Charge ID 101359663 was registered on 23 Jul 2026.
Charges
A charge with Others amounted to Rs. 1,000.00 Cr with Charge ID 101344006 was registered on 20 Jul 2026.
Charges
A charge registered on 29 Sep 2022 via Charge ID 100621028 with Others was fully satisfied on 14 Jul 2026.
Charges
A charge with Others amounted to Rs. 809.71 Cr with Charge ID 101362968 was registered on 07 Jul 2026.
Charges
A charge registered on 28 Jun 2024 via Charge ID 100943001 with Others was fully satisfied on 01 Jul 2026.
Charges
A charge with Others amounted to Rs. 1,000.00 Cr with Charge ID 101342527 was registered on 30 Jun 2026.
Charges
A charge with Canara Bank amounted to Rs. 500.00 Cr with Charge ID 101338074 was registered on 29 Jun 2026.
Charges
A charge with Others amounted to Rs. 600.00 Cr with Charge ID 101336206 was registered on 23 Jun 2026.
Charges
A charge registered on 29 Nov 2023 via Charge ID 100825002 with Others was fully satisfied on 11 Jun 2026.
Charges
A charge with Others amounted to Rs. 400.00 Cr with Charge ID 101313374 was registered on 02 Jun 2026.
Charges
A charge with Axis Bank Limited of Rs. 31.00 Cr registered on 19 Sep 2023 with Charge ID 100788678 was modified on 18 May 2026.
926 earlier events are in the company report.
News
Frequently asked questions
Muthoot Fincorp is an active public limited company based in Thiruvananthapuram, Kerala, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 10 June 1997 (29+ years old) and is registered under CIN U65929KL1997PLC011518.
Muthoot Fincorp has 10 current directors:
- Thomas John Muthoot - Managing Director
- Thomas Muthoot - Whole-Time Director
- Thomas George Muthoot - Whole-Time Director
- Badal Chandra Das - Director
- Preethi John Muthoot - Additional Director
- Ravi Ramchandran - Director
- Santosh Kumar Khalli Panigrahy - Director
- Paul Abraham - Director
- Anthony Abraham Thomas - Director
- Sarah Mannikoikal George - Director
The latest financial statements of Muthoot Fincorp on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Muthoot Fincorp is 32AACCM1453E1Z2, registered in Kerala. The company has 29 GST registrations in all, of which 28 are active and 1 is cancelled or inactive. Other active GSTINs include 32AACCM1453E2Z1 (Kerala), 03AACCM1453E1Z3 (Punjab), 04AACCM1453E1Z1 (Chandigarh).
The CIN (Corporate Identification Number) of Muthoot Fincorp is U65929KL1997PLC011518. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Muthoot Fincorp has 10,259 court cases on record: 9,784 filed by the company and 476 filed against it. 6,349 are pending. Most are in the district courts.
Muthoot Fincorp was incorporated on 10 June 1997, making it 29+ years old. It is registered with the Registrar of Companies, Ernakulam.
Muthoot Fincorp has 10 deals on record (7 funding rounds, 2 secondary share transfers, 1 rights issue), with disclosed funding of ₹456.25 Cr; the latest was in June 2021.
The peers of Muthoot Fincorp by revenue are Hero Fincorp Limited, SMFG India Credit Company Limited, Shriram Capital Limited, Creditaccess Grameen Limited, Sbi Cards and Payment Services Limited, all in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities).
Sarah Mannikoikal George was appointed as Director on 08 Aug 2026. Santosh Kumar Khalli Panigrahy ceased to be Additional Director on 19 Mar 2025. Santosh Kumar Khalli Panigrahy was appointed as Director on 08 Feb 2025. Muthoot Fincorp has 23 board changes on record in total.
Muthoot Fincorp has 5 MSME Form 1 returns on record between 2021 and 2024, listing 235 overdue payments to 57 micro and small suppliers. The latest return was filed on 29 Apr 2024.
Muthoot Fincorp can be reached through the website muthootfincorp.com. Its registered office is in Thiruvananthapuram, Kerala, India.