About Muthoot Money Limited
Data last updated:
Muthoot Money Limited is a public limited company based in Ernakulam, Kerala, India, a subsidiary of Muthoot Finance Limited. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 13 December 1994 and has been in existence for over 32 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65910KL1994PLC008454. Its GSTIN is 32AABCM5816A1Z4 (Kerala). The company holds 16 GST registrations, of which 15 are active.
The company has an authorised share capital of ₹150 Cr and a paid-up capital of ₹98.25 Cr. It was formerly known as Muthoot Money Private Limited and Moneylyne Financing and Trading Private Limited. It is led by directors including Susan Thomas and Chamacheril Mohan Abraham.
Its last annual general meeting (AGM) was held on 28 August 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 41 4108 A 18 Opp Saritha Theatre Banerji Road, Ernakulam, Kerala, India – 682018.
As per the financials filed for FY 2022, the company reported a revenue of ₹45.56 Cr, a decline of 35% compared to the previous year. For the same year it recorded a net profit of ₹23.62 Lakh (net margin 0.5%) and EBITDA of ₹4.2 Cr (EBITDA margin 9.2%). Revenue has grown at a compounded annual rate (CAGR) of 43% over three years and 106% over five years.
The company has about 988 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Muthoot money. As per MCA filings, the company has open charges of ₹1,701.85 Cr and satisfied charges of ₹69 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 muthootmoney.in.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered Address41 4108 A 18 Opp Saritha Theatre Banerji Road, Ernakulam, Kerala, India – 682018
- IndustryFinancial Services, NBFC, Investment & Credit 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
Name History of Muthoot Money Limited
Muthoot Money has undergone 2 name changes throughout its history. The company was previously known as Muthoot Money Private Limited, and Moneylyne Financing And Trading Private Limited. The current legal name is Muthoot Money Limited.
| Company Name | Status |
|---|---|
| Muthoot Money Limited | Current |
| Muthoot Money Private Limited | Previous |
| Moneylyne Financing And Trading Private Limited | Previous |
CIN History of Muthoot Money Limited
Muthoot Money has one previous CIN (Corporate Identification Number): U65910KL1994PTC008454. The current CIN is U65910KL1994PLC008454, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65910KL1994PLC008454 | Current |
| U65910KL1994PTC008454 | Previous |
Associated Brands with Muthoot Money Limited
Muthoot Money operates one associated brand: Muthoot money. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers loans for two-wheelers, cars, and gold financing in India. | muthootmoney.in |
Competitors & Alternatives of Muthoot Money Limited
Brands and companies operating in the same space as Muthoot Money Limited include Hinduja Leyland Finance, CreditWise Capital, Bajaj Auto Finance and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
 Hinduja Leyland Finance | Vehicle and housing finance products are offered across India. | Chennai, India | 2008 |
 CreditWise Capital | Provider of loans and vehicle-related services via digital platforms | Mumbai, India | 2018 |
 Bajaj Auto Finance | Auto finance loans are provided for two-wheelers, three-wheelers, and cars. | Pune, India | 1987 |
 OTO | Two-wheeler loans are provided via a fintech platform for purchases. | Bengaluru, India | 2018 |
 Kogta Financial India | MSME loans, vehicle financing, and property-secured loans are provided. | Jaipur, India | 1996 |
 Bike Bazaar | Online platform for buying and selling two-wheelers | Pune, India | 2017 |
 Mufin Green Finance | Consumer and SME loans are provided in India. | Delhi, India | 2016 |
 Kanakadurga Finance | Vehicle loans and gold loans are provided by Kanakadurga Finance. | Vijayawada, India | 1994 |
 Automony | Loans for cars and trucks are provided via digital lending. | Mumbai, India | 2017 |
Business Activity of Muthoot Money Limited
The main business activity of Muthoot Money 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.
Auditor Details of Muthoot Money Limited
Muthoot Money Limited is audited by P.Z.CHACKOS&CO. for the financial year 2018.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| P.Z.CHACKOS&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 Money Limited
Muthoot Money has 7 current directors and 14 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Susan Thomas Also directs: Xandari Resorts Private Limited, Xandari Pearl Beach Resorts Private Limited, Xandari Heritage Resorts Private Limited and 5 more | Director | 07 Feb 2024 | 2 Years 7 Months | Current |
| Chamacheril Mohan Abraham | Director | 02 May 2019 | 7 Years 5 Months | Current |
| Kuttickattu Rajappan Bijimon Also directs: Muthoot Commodities Limited, Muthoot Forex Limited, Belstar Microfinance Limited and 5 more | Director | 28 Jan 2019 | 7 Years 8 Months | Current |
| Thomas John | Director | 28 Jan 2019 | 7 Years 8 Months | Current |
| George Jacob Muthoot Also directs: Thekkemala Holdings and Trading LLP, Tekkemala Realtors LLP, Kumbanad Properties LLP and 5 more | Director | 28 Jan 2019 | 7 Years 8 Months | Current |
| Eapen Alexander Also directs: MMG Developers Private Limited, Xandari Resorts Private Limited, Oxbow Properties Private Limited and 5 more | Director | 10 Aug 2018 | 8 Years 1 Months | Current |
Financials of Muthoot Money Limited FY 2025 filings available
Muthoot Money Limited reported revenue of ₹45.56 Cr (down 35% YoY) for FY 2022.
Compounded Annual Growth Rate (CAGR) of Muthoot Money Limited
Revenue fell 35% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 106%. EBITDA fell 88% 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 Money Limited
| Metrics | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | •••• | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | ₹45.56 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹4.2 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹23.62 Lakh | •••• | •••• | •••• | •••• |
| 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 Money Limited
| Metrics | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 9.2% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 0.5% | •••• | •••• | •••• | •••• |
| 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 Money 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.
Ownership and Shareholding of Muthoot Money 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 Money Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 21 Nov 2025 | The South Indian Bank Limited | ₹5 Cr | Open |
| 10 Nov 2025 | Canara Bank | ₹150 Cr | Open |
| 29 Sep 2025 | Others | ₹100 Cr | Open |
| 16 Sep 2025 | Others | ₹10 Cr | Open |
| 29 Aug 2025 | Others | ₹50 Cr | Open |
Total charge records: 43 View all charges
Employees and EPFO Compliance at Muthoot Money Limited
Muthoot Money Limited has a workforce of 988 employees as of Apr 10, 2024.
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.
GST Compliance of Muthoot Money Limited
Muthoot Money has 16 GST registrations: 15 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AABCM5816A1Z4 | Kerala | Active | 01 Jul 2017 |
| 36AABCM5816A1ZW | Telangana | Active | 08 May 2018 |
| 37AABCM5816A1ZU | Andhra Pradesh | Active | 22 Jun 2018 |
| 29AABCM5816A1ZR | Karnataka | Active | 03 Nov 2021 |
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.
Credit Ratings, Litigation & Regulatory Alerts for Muthoot Money 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 Money 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 Money 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.
MCA Filings & Documents of Muthoot Money 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.
Recent Activity on Muthoot Money Limited
Frequently Asked Questions about Muthoot Money Limited
Muthoot Money is an active public limited company based in Ernakulam, Kerala, India. The company works in nbfc, within the financial services industry. It was incorporated on 13 December 1994 (32+ years old) and is registered under CIN U65910KL1994PLC008454.
Muthoot Money reported revenue of ₹45.56 Cr for FY 2022 (down 35% YoY).
Muthoot Money has 7 current directors:
- Susan Thomas - Director
- Chamacheril Mohan Abraham - Director
- Kuttickattu Rajappan Bijimon - Director
- Thomas John - Director
- George Jacob Muthoot - Director
- Eapen Alexander - Director
- George Muthoot Jacob - Director
Muthoot Money reported a net profit of ₹23.62 Lakh (net margin 0.5%) and EBITDA of ₹4.2 Cr (EBITDA margin 9.2%) for FY 2022, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Muthoot Money is 43% over three years and 106% over five years. In the latest year (FY 2022) revenue fell 35%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Muthoot Money is 32AABCM5816A1Z4, registered in Kerala. The company has 16 GST registrations in all, of which 15 are active and 1 is cancelled or inactive. Other active GSTINs include 36AABCM5816A1ZW (Telangana), 37AABCM5816A1ZU (Andhra Pradesh), 29AABCM5816A1ZR (Karnataka).
The CIN (Corporate Identification Number) of Muthoot Money is U65910KL1994PLC008454. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Muthoot Money was incorporated on 13 December 1994, making it 32+ years old. It is registered with the Registrar of Companies, Ernakulam.
Muthoot Money can be reached through the website muthootmoney.in. Its registered office is in Ernakulam, Kerala, India.