About Muthoot Mcred Limited
Data last updated:
Muthoot Mcred Limited is a public limited company based in Kochi, Kerala, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 18 March 1998 and has been in existence for over 28 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65910KL1998PLC012154. Its GSTIN is 32AABCM5994M1Z0 (Kerala). The company holds 13 GST registrations, all of them active.
The company has an authorised share capital of ₹1,000 Cr and a paid-up capital of ₹514.49 Cr. It was formerly known as Muthoottu Mini Financiers Private Limited. It is led by directors including Mathew Muthoottu (Managing Director) and Nizzy Mathew (Whole-Time Director).
Its last annual general meeting (AGM) was held on 08 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 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% compared to the previous year. For the same year it recorded a net profit of ₹94.18 Cr (net margin 11.6%) and EBITDA of ₹543.92 Cr (EBITDA margin 66.7%). Revenue has grown at a compounded annual rate (CAGR) of 24% over three years and 21% over five years.
The company has about 5,475 employees on its provident fund (EPFO) records.
The company is associated with 2 brands: Mini Muthoottu and Muthoottu Mini. As per MCA filings, the company has open charges of ₹8,250.03 Cr and satisfied charges of ₹6,075.84 Cr on record. Court records list 97 cases involving the company, including 75 filed by the company and 11 filed against it; 27 cases are pending. The company has 6 deals on record (4 funding rounds, 2 secondary share transfers), with disclosed funding of ₹283.57 Cr; the latest was in September 2017. Its 10 peer companies in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC) are compared by revenue, 5 larger and 5 smaller; the largest is Adhunik Merchandise Pvt Ltd with revenue of ₹303.65 Cr.
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.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered Address65/623K Muthoottu Royal Towers Kaloor, Kochi, Kerala, India – 682017
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
- 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
- One PDF report, delivered after checkout
Business Activity of Muthoot Mcred Limited
The main business activity of Muthoot Mcred is financial and insurance service. In detail, this covers other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Muthoot Mcred Limited FY 2025 filings available
Muthoot Mcred Limited reported revenue of ₹815.15 Cr (up 21% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Muthoot Mcred Limited
Revenue has grown at a compounded annual rate (CAGR) of 21% over five years, including 21% growth in the latest year. EBITDA rose 17% 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 of Muthoot Mcred Limited
| 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 | ₹815.15 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹543.92 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹94.18 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 of Muthoot Mcred Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 66.7% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 11.6% | •••• | •••• | •••• | •••• |
| 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 | •••• | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Muthoot Mcred are in the company report.
Financial statements from 2015
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Peer Comparison of Muthoot Mcred Limited
Muthoot Mcred Limited is compared with the companies closest to it by revenue in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Muthoot Mcred Limited this company | ₹815.15 Cr (FY 2025) | •••• | •••• | 21.0% | •••• | Kochi, Kerala, India |
| Adhunik Merchandise Pvt Ltd | ₹303.65 Cr (FY 2025) | •••• | •••• | -6.0% | •••• | Kolkata, West Bengal, India |
| Sheetal Impex Private Limited | ₹301.13 Cr (FY 2025) | •••• | •••• | 120.0% | •••• | Delhi, India |
| J.P. Morgan Securities India Private Limited | ₹300.03 Cr (FY 2018) | •••• | •••• | 17.0% | •••• | Mumbai, Maharashtra, India |
| Iti Finance Limited | ₹299.13 Cr (FY 2024) | •••• | •••• | 22.0% | •••• | Mumbai, Maharashtra, India |
| Suntrack Commerce Private Limited | ₹298.54 Cr (FY 2019) | •••• | •••• | 744.0% | •••• | Kolkata, West Bengal, India |
| Emkayess Investments Pvt Ltd | ₹296.71 Cr (FY 2025) | •••• | •••• | 23.0% | •••• | Kolkata, West Bengal, India |
| Il&Fs Financial Services Limited | ₹295.18 Cr (FY 2019) | •••• | •••• | -87.0% | •••• | Mumbai, Maharashtra, India |
| Berar Finance Limited | ₹294.96 Cr (FY 2025) | •••• | •••• | 17.0% | •••• | Nagpur, Maharashtra, India |
| Barclays Investments & Loans (India) Private Limited | ₹294.79 Cr (FY 2024) | •••• | •••• | 22.0% | •••• | Mumbai, Maharashtra, India |
| Vikram Financial Services Ltd | ₹293.51 Cr (FY 2025) | •••• | •••• | 1546.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Muthoot Mcred by revenue in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Muthoot Mcred Limited
Muthoot Mcred Limited is audited by Vishnu Rajendran & Co for the financial year 2019.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Vishnu Rajendran & Co | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Muthoot Mcred Limited
Muthoot Mcred has 6 current directors and 19 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Nizzy Mathew Also directs: Muthoottu Mini Hotels Pvt Ltd, Muthoottu Urban Nidhi Limited, Mini Muthoottu Credit India Private Limited and 5 more | Whole-Time Director | 10 Oct 2014 | 12 Years 0 Months | Current |
| Mathew Muthoottu | Managing Director | 07 Mar 2008 | 18 Years 7 Months | Current |
| Manojkumar Raveendra Panicker | Director | 01 Oct 2021 | 5 Years 0 Months | Current |
| Babita Teresa George | Director | 16 Nov 2024 | 1 Years 10 Months | Current |
| Venugopal Kuttappan Nair Also directs: Profin Consultants LLP, Ifci Infrastructure Development Limited | Director | 08 Oct 2024 | 2 Years 0 Months | Current |
| Mampuzha Mathew Herbert | Director | 01 Apr 2024 | 2 Years 6 Months | Current |
Ownership and Shareholding of Muthoot Mcred Limited
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Muthoot Mcred Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 18 Jul 2026 | Others | ₹55 Cr | Open |
| 29 Jun 2026 | Others | ₹60 Cr | Open |
| 10 Jun 2026 | Others | ₹100 Cr | Open |
| 20 May 2026 | Others | ₹75 Cr | Open |
| 27 Apr 2026 | Others | ₹100 Cr | Open |
Total charge records: 236 View all charges
Deals & Funding of Muthoot Mcred Limited
Muthoot Mcred Limited has 6 deals on record (4 funding rounds, 2 secondary share transfers), with disclosed funding of ₹283.57 Cr; the latest was in September 2017.
Deals on record (5 of 6)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Sep 2017 | Funding round | ₹40.47 Cr | Investors: Muthottu Mini Theatres Private Limited , Muthoottu Mini Hotels Pvt Ltd , an individual |
| Sep 2016 | Secondary share transfer | Undisclosed | Buyer: 2 individuals Seller: an individual |
| Nov 2013 | Funding round | ₹50 Cr | Investors: Mini Muthoottu Credit India Private Limited , 2 individuals |
| Oct 2010 | Funding round | ₹118 Cr | Investors: an individual |
| Mar 2008 | Secondary share transfer | Undisclosed | Buyer: an individual Seller: an individual |
Full deal history
All 6 deals with amounts, valuations, instruments and every party are in the company report.
- Every funding round and share transfer
- Amounts and valuations
- Investors, buyers and sellers
- Instruments and deal dates
Verified entity values are shown only after access is granted.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal Cases of Muthoot Mcred Limited
Muthoot Mcred Limited has 97 court cases on record: 75 filed by Muthoot Mcred, 11 filed against it, 11 where it is another party. 27 cases are pending and 70 are disposed. Status as checked between 21 Sep 2026 and 04 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 52 | 11 | 17 |
| High courts | 45 | 0 | 10 |
Cases on record (5 of 97)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Ernakulam, Kerala | Arbitration matter | Filed by the company against Lcode Technologies Private Limited | Pending |
| High Court of Kerala | Writ petition | Filed by the company against The Bank of Baroda Limited | Disposed |
| District court, Kanniyakumari, Tamil Nadu | Civil suit | Filed against the company by an individual | Pending |
| District court, BENGALURU, Karnataka | Criminal case | Filed against the company by an individual | Pending |
| High Court of Kerala | Court case (OP(C)) | Filed by the company against an individual | Pending |
Full case history
All 97 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Associated Brands with Muthoot Mcred Limited
Muthoot Mcred operates two associated brands: Mini Muthoottu and Muthoottu Mini. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers comprehensive solutions for consumer and business loans. | minimuthoottu.com | |
| Provides asset-backed loans to consumers. | muthoottumini.com |
Employees and EPFO Compliance at Muthoot Mcred Limited
Muthoot Mcred Limited has a workforce of 5,475 employees as of Feb 20, 2026.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
Name History of Muthoot Mcred Limited
Muthoot Mcred 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.
| Company Name | Status |
|---|---|
| Muthoot Mcred Limited | Current |
| Muthoottu Mini Financiers Private Limited | Previous |
CIN History of Muthoot Mcred Limited
Muthoot Mcred 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 |
News related to Muthoot Mcred Limited
Recent Activity on Muthoot Mcred Limited
Muthoot Mcred Limited has 23 board changes on record since 2008: 7 appointments and 16 cessations. The latest: Babita Teresa George ceased to be Additional Director on 09 Feb 2025.
420 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Muthoot Mcred Limited
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Muthoot Mcred Limited
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Muthoot Mcred Limited
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Muthoot Mcred Limited
Muthoot Mcred has 13 GST registrations: 13 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AABCM5994M1Z0 | Kerala | Active | 01 Jul 2017 |
| 32AABCM5994M2ZZ | Kerala | Active | 21 Aug 2017 |
| 06AABCM5994M1ZV | Haryana | Active | 01 Jul 2017 |
| 07AABCM5994M1ZT | Delhi | Active | 01 Jul 2017 |
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Muthoot Mcred Limited
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Muthoot Mcred Limited
Muthoot Mcred is an active public limited company based in Kochi, Kerala, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 18 March 1998 (28+ years old) and is registered under CIN U65910KL1998PLC012154.
Muthoot Mcred reported revenue of ₹815.15 Cr for FY 2025 (up 21% YoY).
Muthoot Mcred has 6 current directors:
- Mathew Muthoottu - Managing Director
- Nizzy Mathew - Whole-Time Director
- Manojkumar Raveendra Panicker - Director
- Babita Teresa George - Director
- Venugopal Kuttappan Nair - Director
- Mampuzha Mathew Herbert - Director
Muthoot Mcred reported a net profit of ₹94.18 Cr (net margin 11.6%) and EBITDA of ₹543.92 Cr (EBITDA margin 66.7%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Muthoot Mcred is 24% over three years and 21% over five years. In the latest year (FY 2025) revenue rose 21%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Muthoot Mcred is 32AABCM5994M1Z0, registered in Kerala. The company has 13 GST registrations in all, of which 13 are active. Other active GSTINs include 32AABCM5994M2ZZ (Kerala), 06AABCM5994M1ZV (Haryana), 07AABCM5994M1ZT (Delhi).
The CIN (Corporate Identification Number) of Muthoot Mcred is U65910KL1998PLC012154. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Muthoot Mcred has 97 court cases on record: 75 filed by the company and 11 filed against it. 27 are pending. Most are in the district courts.
Muthoot Mcred was incorporated on 18 March 1998, making it 28+ years old. It is registered with the Registrar of Companies, Ernakulam.
Muthoot Mcred has 6 deals on record (4 funding rounds, 2 secondary share transfers), with disclosed funding of ₹283.57 Cr; the latest was in September 2017.
The peers of Muthoot Mcred by revenue are Adhunik Merchandise Pvt Ltd, Sheetal Impex Private Limited, J.P. Morgan Securities India Private Limited, Iti Finance Limited, Suntrack Commerce Private Limited and 5 more, all in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC).