About Muthoot Microfin Limited
Data last updated: 12 February 2026
Muthoot Microfin Limited is a public limited company based in Mumbai, Maharashtra, India, a subsidiary of Muthoot Fincorp Limited. It specialises in financial services and investment, a part of the broader financial services sector. Incorporated on 06 April 1992, the company has been in operation for over 34 years.
Registered with ROC Mumbai under CIN U65190MH1992PLC066228. Listed.
Capital: an authorised share capital of ₹250 Cr and a paid-up capital of ₹170.49 Cr. Formerly known as Panchratna Stock and Investment Consultancy Services Private Limited and Panchratna Securities Limited. It is led by directors including Thomas Muthoot John and Thai Salas Vijayan.
Last AGM: 24 July 2025. Financial statements filed for year ended 31 March 2025. Office: 13Th Floor Parinee Crescenzo Bandra Kurla Complex Bandra East, Mumbai, Maharashtra, India – 400051.
As per the financials filed for FY 2024, the company reported a revenue of ₹2,285.49 Cr, a growth of 58% compared to the previous year.
The company has a workforce of approximately 17,369 employees as per the latest available data. It operates as a subsidiary of Muthoot Fincorp Limited.
The company is associated with 2 brands - Muthoot Fincorp, Muthoot Microfin. As per MCA filings, the company has open charges of ₹11,512 Cr and satisfied charges of ₹13,279 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 muthootmicrofin.com.
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Registered Address13Th Floor Parinee Crescenzo Bandra Kurla Complex Bandra East, Mumbai, Maharashtra, India – 400051
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IndustryFinancial Services, Financial Activities
- 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 Microfin Limited
Muthoot Microfin Limited has undergone 2 name changes throughout its history. The company was previously known as Panchratna Stock And Investment Consultancy Services Private Limited, and Panchratna Securities Limited. The current legal name is Muthoot Microfin Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Muthoot Microfin Limited | Current |
| Panchratna Stock And Investment Consultancy Services Private Limited | Previous |
| Panchratna Securities Limited | Previous |
CIN History of Muthoot Microfin Limited
Muthoot Microfin Limited has 3 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65190MH1992PLC066228, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65190MH1992PLC066228 | Current |
| U65190MH1992PLC066228 | Previous |
| U65990MH1992PLC066228 | Previous |
| U65990MH1992PTC066228 | Previous |
Associated Brands with Muthoot Microfin Limited
Muthoot Microfin Limited operates two associated brands: Muthoot Fincorp and Muthoot Microfin. These brands represent Muthoot Microfin Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Non-banking financial company specializes in providing a range of financial products & services | muthootfincorp.com | |
| Microfinance loans are extended to low-income women entrepreneurs. | muthootmicrofin.com |
Competitors & Alternatives of Muthoot Microfin Limited
Brands and companies operating in the same space as Muthoot Microfin Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
AU Small Finance Bank
|
Collateralised loans for commercial vehicles are extended to rural entrepreneurs. | Jaipur, India, India | 1996 |
Ujjivan Small Finance Bank
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Small finance services are extended to underserved segments in India. | Bengaluru, India, India | 2005 |
ESAF
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Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
Jana Small Finance Bank
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Microfinance bank | Bengaluru, India, India | 1999 |
Suryoday
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Small finance bank offering savings accounts, deposits, and loan products | Mumbai, India, India | 2008 |
Equitas Small Finance Bank
|
Small finance bank | Chennai, India, India | 2007 |
Manappuram Finance
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Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
Utkarsh Bank
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Small finance bank | Varanasi, India, India | 2009 |
L & T Finance Holdings
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Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
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Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Business Activity of Muthoot Microfin Limited
Muthoot Microfin Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including 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 | ********* |
Auditor Details of Muthoot Microfin Limited
Muthoot Microfin Limited is audited by Suresh Surana & Associates LLP (ICAI peer reviewed, certificate valid till 2028-03-31) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| Suresh Surana & Associates LLP (ICAI peer reviewed, certificate valid till 2028-03-31) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Muthoot Microfin Limited
Muthoot Microfin Limited is currently managed by 13 directors, with 25 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 |
|---|---|---|---|---|
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Thomas Muthoot John
Also directs:
Planterstreasure Enterprises Private Limited
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Whole-Time Director | 19 Dec 2024 | 1 Years 6 Months | Current |
| Thai Salas Vijayan | Director | 15 May 2018 | 8 Years 1 Months | Current |
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Anil Sreedhar
Also directs:
Potter & Clay Consultants Llp, Gbs Plus Private Limited, Weplay Interactive Private Limited and 1 more
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Director | 30 Dec 2024 | 1 Years 6 Months | Current |
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John Tyler Day
Also directs:
Vastu Housing Finance Corporation Limited, Vivriti Capital Limited, Vivriti Asset Management Private Limited and 4 more
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Director | 20 Dec 2022 | 3 Years 6 Months | Current |
| Thomas George Muthoot | Director | 08 May 2017 | 9 Years 2 Months | Current |
| Pushpy B Muricken | Director | 31 Mar 2018 | 8 Years 3 Months | Current |
Financials of Muthoot Microfin Limited FY 2026 filings available
Muthoot Microfin Limited reported revenue of ₹2,369.57 Cr (down 7.5% YoY) for FY 2026. Profit growth despite declining revenue indicates effective cost management and margin discipline.
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Revenue from Operations | ₹2,369.57 Cr | ₹2,561.69 Cr | ₹2,270.18 Cr |
| Interest Earned | ₹2,138.98 Cr | ₹2,369.48 Cr | ₹1,984.9 Cr |
| Other Income | ₹11.13 Cr | ₹2.75 Cr | ₹15.31 Cr |
| Total Income | ₹2,380.7 Cr | ₹2,564.44 Cr | ₹2,285.49 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹603.51 Cr | ₹533.91 Cr | ₹448.65 Cr |
| Finance Costs | ₹874.46 Cr | ₹930.11 Cr | ₹883.16 Cr |
| Depreciation & Amortisation | ₹43.13 Cr | ₹42.84 Cr | ₹35.44 Cr |
| Other Expenses | ₹182 Cr | ₹164.59 Cr | ₹127.25 Cr |
| Total Expenses | ₹2,171.79 Cr | ₹2,853.34 Cr | ₹1,703.65 Cr |
| Profit Before Exceptional Items & Tax | ₹208.91 Cr | -₹288.9 Cr | ₹581.84 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹208.91 Cr | -₹288.9 Cr | ₹581.84 Cr |
| Total Tax Expense | ₹38.64 Cr | -₹66.38 Cr | ₹132.26 Cr |
| Net Profit | ₹170.27 Cr | -₹222.52 Cr | ₹449.58 Cr |
| Other Comprehensive Income | ₹43.34 Cr | ₹41.94 Cr | ₹13.68 Cr |
| Total Comprehensive Income | ₹213.61 Cr | -₹180.59 Cr | ₹463.26 Cr |
| EBITDA (computed) | ₹1,126.51 Cr | ₹684.04 Cr | ₹1,500.44 Cr |
| Basic EPS | ₹10.16 | ₹-13.29 | ₹30.20 |
| Diluted EPS | ₹10.15 | ₹-13.07 | ₹30.20 |
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Total Assets | ₹12,685 Cr | ₹10,857 Cr | ₹11,590 Cr |
| Property, Plant & Equipment | ₹69.31 Cr | ₹76.77 Cr | ₹73.28 Cr |
| Inventories | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹701.15 Cr | ₹697.25 Cr | ₹957.66 Cr |
| Equity (Net Worth) | ₹2,854.31 Cr | ₹2,632.23 Cr | ₹2,804.35 Cr |
| Equity Share Capital | ₹167.77 Cr | ₹167.6 Cr | ₹170.49 Cr |
| Total Liabilities | ₹9,830.49 Cr | ₹8,224.79 Cr | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Operating Cash Flow | -₹580.33 Cr | ₹1,382.03 Cr | -₹2,125.26 Cr |
| Investing Cash Flow | -₹41.39 Cr | -₹127.79 Cr | -₹225.33 Cr |
| Financing Cash Flow | ₹625.62 Cr | -₹1,484.64 Cr | ₹2,548.8 Cr |
| Capital Expenditure | ₹10.85 Cr | ₹20.73 Cr | ₹27.55 Cr |
| Free Cash Flow (computed) | -₹591.18 Cr | ₹1,361.3 Cr | -₹2,152.81 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹3.9 Cr | -₹230.4 Cr | ₹198.21 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹631.81 Cr | ₹602.81 Cr | ₹576.33 Cr | ₹558.62 Cr | ₹555.03 Cr | ₹680.78 Cr | ₹666.58 Cr | ₹637.88 Cr | ₹646.81 Cr | ₹581.04 Cr |
| Interest Earned | ₹568.58 Cr | ₹515.91 Cr | ₹535.79 Cr | ₹518.71 Cr | ₹527.03 Cr | ₹624.88 Cr | ₹613.85 Cr | - | ₹565.46 Cr | - |
| Other Income | ₹7.09 Cr | ₹2.54 Cr | ₹1.06 Cr | ₹43.7 Lakh | ₹1.19 Cr | ₹66.3 Lakh | ₹61.79 Lakh | ₹3.28 Cr | ₹6.62 Cr | ₹3.78 Cr |
| Total Income | ₹638.9 Cr | ₹605.35 Cr | ₹577.39 Cr | ₹559.06 Cr | ₹556.22 Cr | ₹681.45 Cr | ₹667.2 Cr | ₹641.16 Cr | ₹653.42 Cr | ₹584.83 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹148.73 Cr | ₹147.62 Cr | ₹154.92 Cr | ₹152.24 Cr | ₹142.11 Cr | ₹136.63 Cr | ₹132.99 Cr | ₹129.03 Cr | ₹125.04 Cr | ₹114.07 Cr |
| Finance Costs | ₹231.58 Cr | ₹221.82 Cr | ₹211.31 Cr | ₹209.76 Cr | ₹221.71 Cr | ₹237.29 Cr | ₹240.89 Cr | ₹237.05 Cr | ₹233.72 Cr | ₹234.12 Cr |
| Depreciation & Amortisation | ₹10.67 Cr | ₹10.44 Cr | ₹11.02 Cr | ₹11 Cr | ₹11.18 Cr | ₹10.94 Cr | ₹10.53 Cr | ₹10.18 Cr | ₹9.76 Cr | ₹9.22 Cr |
| Other Expenses | ₹48.64 Cr | ₹45.12 Cr | ₹46.24 Cr | ₹42.01 Cr | ₹45.02 Cr | ₹39.11 Cr | ₹38.24 Cr | ₹36.09 Cr | ₹33.46 Cr | ₹38.5 Cr |
| Total Expenses | ₹541.96 Cr | ₹536.24 Cr | ₹540.28 Cr | ₹553.3 Cr | ₹1,077.93 Cr | ₹676.38 Cr | ₹586.01 Cr | ₹494.6 Cr | ₹476.04 Cr | ₹454.99 Cr |
| Profit Before Exceptional Items & Tax | ₹96.94 Cr | ₹69.11 Cr | ₹37.11 Cr | ₹5.76 Cr | -₹521.71 Cr | ₹5.06 Cr | ₹81.19 Cr | ₹146.56 Cr | ₹177.39 Cr | ₹129.84 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹96.94 Cr | ₹69.11 Cr | ₹37.11 Cr | ₹5.76 Cr | -₹521.71 Cr | ₹5.06 Cr | ₹81.19 Cr | ₹146.56 Cr | ₹177.39 Cr | ₹129.84 Cr |
| Total Tax Expense | ₹25.81 Cr | ₹6.66 Cr | ₹6.59 Cr | -₹42.3 Lakh | -₹120.56 Cr | ₹1.27 Cr | ₹19.58 Cr | ₹33.34 Cr | ₹57.63 Cr | ₹5.28 Cr |
| Net Profit | ₹71.12 Cr | ₹62.44 Cr | ₹30.52 Cr | ₹6.18 Cr | -₹401.15 Cr | ₹3.8 Cr | ₹61.61 Cr | ₹113.22 Cr | ₹119.76 Cr | ₹124.57 Cr |
| Other Comprehensive Income | ₹12.86 Cr | ₹3.05 Cr | ₹25.38 Cr | ₹2.05 Cr | ₹22.94 Cr | ₹3.6 Cr | ₹13.01 Cr | ₹2.39 Cr | ₹3.5 Cr | ₹4.26 Cr |
| Total Comprehensive Income | ₹83.99 Cr | ₹65.49 Cr | ₹55.9 Cr | ₹8.23 Cr | -₹378.21 Cr | ₹7.4 Cr | ₹74.62 Cr | ₹115.61 Cr | ₹123.26 Cr | ₹128.82 Cr |
| EBITDA (computed) | ₹339.18 Cr | ₹301.37 Cr | ₹259.44 Cr | ₹226.52 Cr | -₹288.82 Cr | ₹253.3 Cr | ₹332.61 Cr | ₹393.79 Cr | ₹420.87 Cr | ₹373.18 Cr |
| Basic EPS | ₹4.24 | ₹3.73 | ₹1.82 | ₹0.37 | ₹-23.54 | ₹0.22 | ₹3.61 | ₹6.64 | ₹7.02 | ₹8.61 |
| Diluted EPS | ₹4.33 | ₹3.66 | ₹1.79 | ₹0.36 | ₹-23.33 | ₹0.22 | ₹3.61 | ₹6.64 | ₹7.02 | ₹8.61 |
Board & Governance of Muthoot Microfin Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Muthoot Microfin Limited has 10 directors - 5 independent and 1 executive. The board is chaired by THOMAS MUTHOOT.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| THOMAS MUTHOOT | Non-Executive - Non Independent Director · Chairperson | 2017-05-08 | 2 |
| THOMAS GEORGE MUTHOOT | Non-Executive - Non Independent Director | 2017-05-08 | 2 |
| THOMAS MUTHOOT JOHN | Executive Director | 2024-12-19 | 1 |
| AKSHAYA PRASAD | Non-Executive - Non Independent Director | 2021-12-06 | 1 |
| JOHN TYLER DAY | Non-Executive - Non Independent Director | 2022-12-20 | 1 |
| PUSHPY B MURICKEN | Non-Executive - Independent Director | 2018-03-31 | 2 |
| THAI SALAS VIJAYAN | Non-Executive - Independent Director | 2018-05-15 | 2 |
| BHAMA KRISHNAMURTHY | Non-Executive - Independent Director | 2018-05-15 | 5 |
| ALOK PRASAD | Non-Executive - Independent Director | 2017-05-10 | 2 |
| ANIL SREEDHAR | Non-Executive - Independent Director | 2024-12-30 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | PUSHPY B MURICKEN (Chairperson), BHAMA KRISHNAMURTHY, ALOK PRASAD, AKSHAYA PRASAD, THAI SALAS VIJAYAN, THOMAS MUTHOOT |
| Nomination and remuneration committee | THAI SALAS VIJAYAN (Chairperson), BHAMA KRISHNAMURTHY, ALOK PRASAD, JOHN TYLER DAY, PUSHPY B MURICKEN, THOMAS MUTHOOT |
| Stakeholders Relationship Committee | THOMAS MUTHOOT (Chairperson), ALOK PRASAD, THOMAS GEORGE MUTHOOT |
| Risk Management Committee | THOMAS GEORGE MUTHOOT, THOMAS MUTHOOT, ALOK PRASAD (Chairperson), BHAMA KRISHNAMURTHY, SADAF SAYEED, THOMAS MUTHOOT JOHN |
| Corporate Social Responsibility Committee | THOMAS GEORGE MUTHOOT, THOMAS MUTHOOT, ALOK PRASAD, THOMAS MUTHOOT JOHN |
| Asset Liability Committee | THOMAS MUTHOOT (Chairperson), THOMAS MUTHOOT JOHN, THOMAS GEORGE MUTHOOT |
| IT Stratagy Committee | ANIL SREEDHAR (Chairperson), THOMAS MUTHOOT, THOMAS GEORGE MUTHOOT |
| Borrowing Committee | THOMAS MUTHOOT JOHN, THOMAS MUTHOOT |
| Debenture Issue and Allotment Committee | THOMAS MUTHOOT JOHN, THOMAS MUTHOOT |
Charges & Borrowings of Muthoot Microfin Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 31 Dec 2025 | Yes Bank Limited | ₹200 Cr | Open |
| 31 Dec 2025 | Others | ₹50 Cr | Open |
| 29 Dec 2025 | Others | ₹75 Cr | Open |
| 24 Dec 2025 | Others | ₹100 Cr | Open |
| 24 Dec 2025 | Others | ₹52 Cr | Open |
Total charge records: 317 View all charges
Employees and EPFO Compliance at Muthoot Microfin Limited
View historical data on people associated with Muthoot Microfin Limited, including employment history and EPFO contributions.
Employee Count & EPFO Data of Muthoot Microfin Limited
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GST Compliance of Muthoot Microfin Limited
GSTIN & GST Filing Data of Muthoot Microfin Limited
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Credit Ratings, Litigation & Regulatory Alerts for Muthoot Microfin Limited
Credit Ratings, Legal Cases & Regulatory Alerts of Muthoot Microfin Limited
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MSME Payment Delays by Muthoot Microfin Limited
MSME Payment Delays by Muthoot Microfin Limited
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Subsidiaries & Group Companies of Muthoot Microfin Limited
Subsidiaries & Group Companies of Muthoot Microfin Limited
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MCA Filings & Documents of Muthoot Microfin Limited
MCA Filings & Documents of Muthoot Microfin Limited
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Recent Activity on Muthoot Microfin Limited
Recent News on Muthoot Microfin Limited
Frequently Asked Questions about Muthoot Microfin Limited
Muthoot Microfin Limited is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 06 April 1992 (34+ years old) and is registered under CIN L65190MH1992PLC066228. The company has 17,369 employees.
Muthoot Microfin Limited reported revenue of ₹2,285.49 Cr for FY 2024 (up 58.00% YoY).
The current directors of Muthoot Microfin Limited are:
- Thomas Muthoot John
- Thai Salas Vijayan
- Anil Sreedhar
- John Tyler Day
- Thomas George Muthoot
- Pushpy B Muricken
- Akshaya Prasad
- Thomas Muthoot
- Bhama Krishnamurthy
- Alok Prasad
- Sadaf Sayeed
- Neethu Ajay
- Thoroppady Praveen
The primary industry of Muthoot Microfin Limited is financial services. The company specifically operates in financial activities. The company is currently active in this sector.
Yes, Muthoot Microfin Limited is a listed company.
Muthoot Microfin Limited can be reached at the registered office: 13Th Floor Parinee Crescenzo Bandra Kurla Complex Bandra East, Mumbai, Maharashtra, India – 400051, or through the website muthootmicrofin.com.