About Muthoot Mcred Limited
Data last updated: 14 May 2026
Muthoot Mcred Limited is a public limited company based in Kochi, Kerala, India. It specialises in investment and credit NBFC, a part of the broader financial services sector. Incorporated on 18 March 1998, the company has been in operation for over 28 years.
Registered with ROC Ernakulam under CIN U65910KL1998PLC012154.
Capital: an authorised share capital of ₹1,000 Cr and a paid-up capital of ₹440.74 Cr. Formerly known as Muthoottu Mini Financiers Private Limited and Muthoot Mcred Limited. It is led by directors including Mampuzha Mathew Herbert and Venugopal Kuttappan Nair.
Last AGM: 08 September 2025. Financial statements filed for year ended 31 March 2025. Office: 65/623K Muthoottu Royal Towers Kaloor, Kochi, Kerala, India – 682017.
As per the financials filed for FY 2025, the company reported a revenue of ₹815.15 Cr, a growth of 21.33% compared to the previous year.
The company has a workforce of approximately 5,475 employees as per the latest available data.
The company is associated with 2 brands - Mini Muthoottu, Muthoottu Mini. As per MCA filings, the company has open charges of ₹7,985.03 Cr and satisfied charges of ₹5,870.84 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website muthoottumini.com.
-
Email*****@*****.com
-
Telephone+91-****-******
-
Website
-
Social Media
-
Registered Address65/623K Muthoottu Royal Towers Kaloor, Kochi, Kerala, India – 682017
-
IndustryFinancial Services, Investment & Credit NBFC, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Muthoot Mcred Limited
Muthoot Mcred Limited has undergone 2 name changes throughout its history. The company was previously known as Muthoottu Mini Financiers Private Limited, and Muthoot Mcred Limited. The current legal name is Muthoot Mcred Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Muthoot Mcred Limited | Current |
| Muthoottu Mini Financiers Private Limited | Previous |
CIN History of Muthoot Mcred Limited
Muthoot Mcred Limited has one previous CIN (Corporate Identification Number): U65910KL1998PTC012154. The current CIN is U65910KL1998PLC012154, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65910KL1998PLC012154 | Current |
| U65910KL1998PTC012154 | Previous |
Associated Brands with Muthoot Mcred Limited
Muthoot Mcred Limited operates two associated brands: Mini Muthoottu and Muthoottu Mini. These brands represent Muthoot Mcred Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Offers comprehensive solutions for consumer and business loans. | minimuthoottu.com | |
| Provides asset-backed loans to consumers. | muthoottumini.com |
Competitors & Alternatives of Muthoot Mcred Limited
Brands and companies operating in the same space as Muthoot Mcred Limited include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
|
Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
|
Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
|
Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
|
Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
|
Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Profectus Capital
|
SME loans are provided to businesses in India. | Mumbai, India, India | 2017 |
Vistaar Financial Services
|
Provider of a financial services platform that provides small business loans and other financial products to micro, small, and medium-sized enterprises (MSMEs), aiming to support their growth and development | Bengaluru, India, India | 2010 |
SBFC
|
Diversified loans are provided to small businesses and consumers. | Mumbai, India, India | 2008 |
UC Inclusive Credit
|
Provider of financial inclusion services to underserved sectors | Bengaluru, India, India | 2016 |
Mahindra Finance
|
Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Business Activity of Muthoot Mcred Limited
Muthoot Mcred Limited operates primarily in the financial and insurance service sector. The company has 1 registered business activity segment, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| ********* | Financial and insurance Service | ********* | Other financial activities | ********* |
Auditor Details of Muthoot Mcred Limited
Muthoot Mcred Limited is audited by Vishnu Rajendran & Co for the financial year 2019. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Vishnu Rajendran & Co | blur-value | blur-value | blur-value |
Board of Directors of Muthoot Mcred Limited
Muthoot Mcred Limited is currently managed by 9 directors, with 19 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Mampuzha Mathew Herbert
Also directs:
Muthoot Mcred Limited
|
Director | 01 Apr 2024 | 2 Years 3 Months | Current |
| Venugopal Kuttappan Nair | Director | 08 Oct 2024 | 1 Years 9 Months | Current |
|
Manojkumar Raveendra Panicker
Also directs:
Muthoot Mcred Limited
|
Director | 01 Oct 2021 | 4 Years 9 Months | Current |
|
Babita Teresa George
Also directs:
Muthoot Mcred Limited
|
Director | 16 Nov 2024 | 1 Years 7 Months | Current |
|
Mathew Muthoottu
Also directs:
Muthoot Mcred Limited, Muthoottu Mini Hotels Pvt Ltd, Mini Muthoottu Credit India Private Limited and 5 more
|
Managing Director | 07 Mar 2008 | 18 Years 4 Months | Current |
|
Nizzy Mathew
Also directs:
Muthoot Mcred Limited, Muthoottu Mini Hotels Pvt Ltd, Muthoottu Urban Nidhi Limited and 5 more
|
Whole-Time Director | 10 Oct 2014 | 11 Years 8 Months | Current |
Financials of Muthoot Mcred Limited FY 2025 filings available
Muthoot Mcred Limited reported revenue of ₹810.46 Cr (up 21.33% YoY) for FY 2025. Profit growth despite declining revenue indicates effective cost management and margin discipline.
| Metrics | ***** | ***** | ***** | ***** | ***** |
|---|---|---|---|---|---|
| Revenue | |||||
| Revenue from Operations | ***** | ***** | ***** | ***** | ***** |
| Revenue Growth % | ***** | ***** | ***** | ***** | ***** |
| Other Income | ***** | ***** | ***** | ***** | ***** |
| Total Revenue | ***** | ***** | ***** | ***** | ***** |
| Expenses | |||||
| Total Expenses | ***** | ***** | ***** | ***** | ***** |
| Raw Material Cost | ***** | ***** | ***** | ***** | ***** |
| Change in Inventory FG | ***** | ***** | ***** | ***** | ***** |
| Change in Inventory WIP | ***** | ***** | ***** | ***** | ***** |
| Purchase of Traded Goods | ***** | ***** | ***** | ***** | ***** |
| Employee Cost | ***** | ***** | ***** | ***** | ***** |
| Managerial Remuneration | ***** | ***** | ***** | ***** | ***** |
| Audit Fees | ***** | ***** | ***** | ***** | ***** |
| Insurance | ***** | ***** | ***** | ***** | ***** |
| Power & Fuel | ***** | ***** | ***** | ***** | ***** |
| Interest | ***** | ***** | ***** | ***** | ***** |
| Depreciation | ***** | ***** | ***** | ***** | ***** |
| Other Expenses | ***** | ***** | ***** | ***** | ***** |
| Profitability | |||||
| EBITDA (Operating Profit) | ***** | ***** | ***** | ***** | ***** |
| Operating Margin % | ***** | ***** | ***** | ***** | ***** |
| Exceptional Items | ***** | ***** | ***** | ***** | ***** |
| Extraordinary Items | ***** | ***** | ***** | ***** | ***** |
| Profit Before Exceptional & Extraordinary Items | ***** | ***** | ***** | ***** | ***** |
| Profit Before Tax | ***** | ***** | ***** | ***** | ***** |
| Tax & Net Profit | |||||
| Tax Expense | ***** | ***** | ***** | ***** | ***** |
| Current Tax | ***** | ***** | ***** | ***** | ***** |
| Deferred Tax | ***** | ***** | ***** | ***** | ***** |
| Profit from Discontinued Operations | ***** | ***** | ***** | ***** | ***** |
| Tax on Discontinued Operations | ***** | ***** | ***** | ***** | ***** |
| Profit | ***** | ***** | ***** | ***** | ***** |
| Net Margin % | ***** | ***** | ***** | ***** | ***** |
| Metrics | ***** | ***** | ***** | ***** | ***** |
|---|---|---|---|---|---|
| Shareholders' Funds | |||||
| Total Shareholders' Funds | ***** | ***** | ***** | ***** | ***** |
| Equity Capital | ***** | ***** | ***** | ***** | ***** |
| Reserves & Surplus | ***** | ***** | ***** | ***** | ***** |
| Money Against Warrants | ***** | ***** | ***** | ***** | ***** |
| Other Equity | ***** | ***** | ***** | ***** | ***** |
| Non-Current Liabilities | |||||
| Total Non-Current Liabilities | ***** | ***** | ***** | ***** | ***** |
| Long-Term Borrowings | ***** | ***** | ***** | ***** | ***** |
| Deferred Tax Liabilities | ***** | ***** | ***** | ***** | ***** |
| Other Non-Current Liabilities | ***** | ***** | ***** | ***** | ***** |
| Long-Term Provisions | ***** | ***** | ***** | ***** | ***** |
| Current Liabilities | |||||
| Total Current Liabilities | ***** | ***** | ***** | ***** | ***** |
| Short-Term Borrowings | ***** | ***** | ***** | ***** | ***** |
| Trade Payables | ***** | ***** | ***** | ***** | ***** |
| Other Current Liabilities | ***** | ***** | ***** | ***** | ***** |
| Short-Term Provisions | ***** | ***** | ***** | ***** | ***** |
| Total Equity & Liabilities | ***** | ***** | ***** | ***** | ***** |
| Non-Current Assets | |||||
| Non-Current Assets | ***** | ***** | ***** | ***** | ***** |
| Tangible Assets | ***** | ***** | ***** | ***** | ***** |
| Intangible Assets | ***** | ***** | ***** | ***** | ***** |
| Capital WIP | ***** | ***** | ***** | ***** | ***** |
| Intangibles Under Dev | ***** | ***** | ***** | ***** | ***** |
| Investments | ***** | ***** | ***** | ***** | ***** |
| Deferred Tax Assets | ***** | ***** | ***** | ***** | ***** |
| LT Loans & Advances | ***** | ***** | ***** | ***** | ***** |
| Other Non-Current Assets | ***** | ***** | ***** | ***** | ***** |
| Current Assets | |||||
| Current Assets | ***** | ***** | ***** | ***** | ***** |
| Current Investments | ***** | ***** | ***** | ***** | ***** |
| Inventories | ***** | ***** | ***** | ***** | ***** |
| Trade Receivables | ***** | ***** | ***** | ***** | ***** |
| Cash & Bank Balance | ***** | ***** | ***** | ***** | ***** |
| ST Loans & Advances | ***** | ***** | ***** | ***** | ***** |
| Other Current Assets | ***** | ***** | ***** | ***** | ***** |
| Total Assets | ***** | ***** | ***** | ***** | ***** |
| Metrics | ***** | ***** | ***** | ***** | ***** |
|---|---|---|---|---|---|
| Cash from Operating Activities (CFO) | |||||
| Profit Before Tax | ***** | ***** | ***** | ***** | ***** |
| Non-Cash Adjustments | ***** | ***** | ***** | ***** | ***** |
| + Interest Expense | ***** | ***** | ***** | ***** | ***** |
| + Depreciation | ***** | ***** | ***** | ***** | ***** |
| +/- Unrealized Forex | ***** | ***** | ***** | ***** | ***** |
| - Dividend Income | ***** | ***** | ***** | ***** | ***** |
| - Interest Income | ***** | ***** | ***** | ***** | ***** |
| +/- Other Non-Cash Items | ***** | ***** | ***** | ***** | ***** |
| Changes in Working Capital | ***** | ***** | ***** | ***** | ***** |
| +/- Inventory | ***** | ***** | ***** | ***** | ***** |
| +/- Debtors | ***** | ***** | ***** | ***** | ***** |
| +/- Creditors | ***** | ***** | ***** | ***** | ***** |
| Reconciliation Adjustments | ***** | ***** | ***** | ***** | ***** |
| Cash Generated from Operations | ***** | ***** | ***** | ***** | ***** |
| Income Taxes Paid | ***** | ***** | ***** | ***** | ***** |
| Net CFO (Cash from Operations) | ***** | ***** | ***** | ***** | ***** |
| Cash from Investing Activities (CFI) | |||||
| Acquisitions & Disposals | ***** | ***** | ***** | ***** | ***** |
| Disposal of Subsidiaries | ***** | ***** | ***** | ***** | ***** |
| Acquisition of Subsidiaries | ***** | ***** | ***** | ***** | ***** |
| Capex | ***** | ***** | ***** | ***** | ***** |
| Purchase of Fixed Assets | ***** | ***** | ***** | ***** | ***** |
| Sale of Fixed Assets | ***** | ***** | ***** | ***** | ***** |
| Other Investing Cash Flows | ***** | ***** | ***** | ***** | ***** |
| Net CFI (Cash from Investing) | ***** | ***** | ***** | ***** | ***** |
| Cash from Financing Activities (CFF) | |||||
| Equity Issuance | ***** | ***** | ***** | ***** | ***** |
| Debt Raised | ***** | ***** | ***** | ***** | ***** |
| Debt Repaid | ***** | ***** | ***** | ***** | ***** |
| Dividends Paid | ***** | ***** | ***** | ***** | ***** |
| Interest Paid | ***** | ***** | ***** | ***** | ***** |
| Net CFF (Cash from Financing) | ***** | ***** | ***** | ***** | ***** |
| Net Cash Position | |||||
| Net Change in Cash (Pre-Forex) | ***** | ***** | ***** | ***** | ***** |
| Closing Cash & Equivalents | ***** | ***** | ***** | ***** | ***** |
| Metrics | ***** | ***** | ***** | ***** | ***** |
|---|---|---|---|---|---|
| Liquidity | |||||
| Current Ratio | ***** | ***** | ***** | ***** | ***** |
| Quick Ratio | ***** | ***** | ***** | ***** | ***** |
| Cash Ratio | ***** | ***** | ***** | ***** | ***** |
| Efficiency | |||||
| Inventory Days | ***** | ***** | ***** | ***** | ***** |
| Debtor Days | ***** | ***** | ***** | ***** | ***** |
| Creditor Days | ***** | ***** | ***** | ***** | ***** |
| Cash Conversion Cycle | ***** | ***** | ***** | ***** | ***** |
| Asset Turnover | ***** | ***** | ***** | ***** | ***** |
| Profitability | |||||
| Net Profit Margin % | ***** | ***** | ***** | ***** | ***** |
| Operating Margin % | ***** | ***** | ***** | ***** | ***** |
| ROE % | ***** | ***** | ***** | ***** | ***** |
| ROCE % | ***** | ***** | ***** | ***** | ***** |
| Net Worth Margin % | ***** | ***** | ***** | ***** | ***** |
| Growth | |||||
| Revenue Growth % | ***** | ***** | ***** | ***** | ***** |
| Leverage | |||||
| Equity Multiplier | ***** | ***** | ***** | ***** | ***** |
| Debt / EBITDA | ***** | ***** | ***** | ***** | ***** |
| Solvency | |||||
| D/E Ratio | ***** | ***** | ***** | ***** | ***** |
| ICR | ***** | ***** | ***** | ***** | ***** |
Consolidated Statements
Income Statement, Balance Sheet, Cash Flow & Ratios available in the full report.
Shareholding Pattern of Muthoot Mcred Limited
As of FY 2024, Muthoot Mcred Limited's shareholding pattern shows 72.76% by promoters, 27.23% by public shareholders. The promoters hold a majority stake, indicating strong promoter control.
| Year | 2025 |
|---|---|
| Promoters | 33.19% |
| DII | 23.22% |
| FII | 18.28% |
| Public | 22.89% |
| Others | 2.42% |
Charges & Borrowings of Muthoot Mcred Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 13 Apr 2026 | Others | ₹42 Cr | Open |
| 06 Apr 2026 | Uco Bank | ₹1.79 Cr | Open |
| 02 Apr 2026 | Others | ₹240 Cr | Open |
| 25 Mar 2026 | Others | ₹50 Cr | Open |
| 18 Mar 2026 | Others | ₹460 Cr | Open |
Total charge records: 229 View all charges
Employees and EPFO Compliance at Muthoot Mcred Limited
Muthoot Mcred Limited has a workforce of 5,475 employees as of Feb 20, 2026.
Employee Count & EPFO Data of Muthoot Mcred Limited
Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.
GST Compliance of Muthoot Mcred Limited
GSTIN & GST Filing Data of Muthoot Mcred Limited
Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.
Credit Ratings, Litigation & Regulatory Alerts for Muthoot Mcred Limited
Credit Ratings, Legal Cases & Regulatory Alerts of Muthoot Mcred Limited
Access complete credit rating history, litigation records, regulatory alerts, and compliance data.
MSME Payment Delays by Muthoot Mcred Limited
MSME Payment Delays by Muthoot Mcred Limited
Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.
Subsidiaries & Group Companies of Muthoot Mcred Limited
Subsidiaries & Group Companies of Muthoot Mcred Limited
See the full corporate group - holding company, subsidiaries, associates and joint ventures of Muthoot Mcred Limited with ownership details.
MCA Filings & Documents of Muthoot Mcred Limited
MCA Filings & Documents of Muthoot Mcred Limited
Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.
Recent Activity on Muthoot Mcred Limited
Recent News on Muthoot Mcred Limited
Frequently Asked Questions about Muthoot Mcred Limited
Muthoot Mcred Limited is an active public limited company in the financial services sector based in Kochi, Kerala, India. It was incorporated on 18 March 1998 (28+ years old) and is registered under CIN U65910KL1998PLC012154. The company has 5,475 employees.
Muthoot Mcred Limited reported revenue of ₹815.15 Cr for FY 2025 (up 21.33% YoY).
The current directors of Muthoot Mcred Limited are:
- Mampuzha Mathew Herbert
- Venugopal Kuttappan Nair
- Pothanattu Ethappiri Mathai
- Manojkumar Raveendra Panicker
- Babita Teresa George
- Mathew Muthoottu
- Ann Mary George
- Smitha Ks
- Nizzy Mathew
The primary industry of Muthoot Mcred Limited is financial services. The company specifically operates in investment and credit nbfc. The company is currently active in this sector.
Muthoot Mcred Limited can be reached at the registered office: 65623K Muthoottu Royal Towers Kaloor, Kochi, Kerala, India – 682017, or through the website muthoottumini.com.
The authorised capital is ₹1,000 Cr, and the paid-up capital is ₹440.74 Cr.