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Muthoot Finance Q2 FY27 Earnings Presentation — Muthoot Finance Limited's 61-page investor presentation on financial results for Q2 and H1 FY 2027 (quarter ended 30 September 2026), filed with BSE/NSE on 2 November 2026. India's largest gold loan NBFC reports consolidated loan AUM of ₹209,317 crore (+42% YoY), H1 consolidated profit after tax of ₹6,103 crore (+39% YoY) and standalone gold loan AUM of ₹1,789,562 million backed by 204 tonnes of gold jewellery.
이 프레젠테이션의 표지를 스타일 참고 자료로 사용해 내 콘텐츠로 슬라이드를 만듭니다. 아래에서 원하는 페이지를 골라 그 레이아웃을 참고로 쓸 수도 있습니다.
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Muthoot Finance Q2 FY27 Earnings Presentation — Muthoot Finance Limited's 61-page investor presentation on financial results for Q2 and H1 FY 2027 (quarter ended 30 September 2026), filed with BSE/NSE on 2 November 2026. India's largest gold loan NBFC reports consolidated loan AUM of ₹209,317 crore (+42% YoY), H1 consolidated profit after tax of ₹6,103 crore (+39% YoY) and standalone gold loan AUM of ₹1,789,562 million backed by 204 tonnes of gold jewellery.
레이아웃, 주요 콘텐츠 및 시각적 요소를 포함한 각 슬라이드 페이지의 상세 보기.
Cover slide reading 'Investor Presentation', Muthoot Finance Limited, Financial Results Q2 FY 2027, September 2026, with brand ambassador Amitabh Bachchan in a namaste pose.
White background with large red title on the left, company logo top-left, full-height portrait photo on the right and a red decorative motif in the top-right corner.
Standard disclaimer: forward-looking statements on strategy, growth and results may differ materially; the company does not undertake to update them, the deck is not a solicitation to invest, and investors should seek their own advice and due diligence.
Red header band with a 'DISCLAIMER' pill tag and title, then three paragraphs of grey body text on white.
Index of eight sections: Highlights of the Year (pp. 4–7), Corporate Profile (8–15), Understanding the Market (16–17), Our Financial Overview with standalone and consolidated financials (18–43), Our Subsidiary Ecosystem (44–55), What Powers Muthoot (56–58), Marketing and Branding (59) and Corporate Social Responsibility (60).
Full red background with a 4×2 grid of darker red cards, each showing section number, page range, section name and an illustrative image.
Quotes from Chairman George Jacob Muthoot on balancing growth with prudence and from Executive Vice-Chairman George Alexander Muthoot on more Indians using their gold, more institutions backing the balance sheet and the regulator giving the industry a clearer foundation for growth.
Red background with two white quote cards side by side, each with gold quote marks, quote text, name, title and a cut-out portrait.
Managing Director Alexander George on investing in future-ready capabilities: advanced analytics, data-led decisions, risk governance, talent development and digital collections to improve resilience and scalability.
Red background with one wide white quote card, quote and attribution on the left and a large portrait on the right.
Four KPI cards for H1 FY 2027: consolidated loan AUM ₹209,317 Cr (+42% YoY, +9% QoQ), consolidated PAT ₹6,103 Cr (+39% YoY, +16% QoQ), standalone loan AUM ₹187,810 Cr (+42% YoY, +9% QoQ) and standalone PAT ₹5,527 Cr (+26% YoY, +17% QoQ).
Red header band; four equal grey cards each with a label, period, large red figure and two growth rows with green up-arrow icons.
H1 FY 2027 operating KPIs: consolidated gold loan AUM ₹193,212 Cr (+46% YoY, +10% QoQ), average standalone gold loan AUM per branch ₹34 Cr (+36% YoY, +5% QoQ), standalone gold loan disbursement to new customers ₹20,238 Cr to 993,900 customers (+54% YoY) and a consolidated branch network of 7,904.
Same four-card KPI grid as the previous slide; the branch card replaces growth rows with a short descriptor.
Corporate profile: roots traced to 1887, focused on gold-secured lending since 1939, recognised by the Reserve Bank of India as an Upper Layer NBFC; vision, mission and seven core values; reach of 29 states and union territories, 5,230 branches and 32,233 employees, with Great Place to Work certification badges.
Intro line, two large red statements with an Upper Layer NBFC shield badge, three columns for vision, mission and core-value pills, and a pink stats strip at the bottom.
Distinctive strengths: net worth ₹42,015 Cr, capital adequacy 19.81% (Tier-1 19.04%, Tier-2 0.77%), 6.86 Mn active customers and 200,000+ customers served per day. Shareholder value: EPS ₹137.67, book value per share ₹1,046.49 and ROE 27.72% (H1 FY 2027), plus a FY 2026 dividend of 300% at ₹30 per share.
Two rows of four light-pink stat cards under the headings 'Distinctive Strengths' and 'Shareholder Value', each with a big red number, label and period tag.
Four-era timeline: 1887–1939 founding as a Kerala trading business with the first gold loan in Kozhencherry; 1940–2000 diversification as Muthoot Bankers with a first North India branch at Faridabad in 1979; 2001–2011 RBI licence and NSE/BSE listing in 2011; 2012–today with ratings from Fitch, S&P and Moody's by 2020, a first foreign currency bond, and standalone loan AUM crossing ₹1 trillion in FY 2025.
Horizontal gold chevron arrow across four columns, each with a year range, phase name and short text blocks separated by rules.
Branches by region: South 56%, West 19%, North 17%, East 8%. State-wise map labels include Tamil Nadu 1,005, Karnataka 566, Kerala 522, Andhra Pradesh 453, Maharashtra 353, Telangana 336, Gujarat 262, Delhi 245, Uttar Pradesh 224, Punjab 208 and West Bengal 193.
Donut chart of regional share on the left; India map shaded by region with call-out labels for each state's branch count on the right.
Six core competencies: quick turnaround time, in-depth product knowledge, trained manpower (regional learning centres and management academies), strong underwriting on ownership verification and gold valuation, in-house audit, security, valuation, technology and collections, and an experienced leadership team. Other services: personal loans, business loans, loan against property, collection services and money transfer.
Six-row two-column list with gold star bullets, red competency names and grey descriptions; pink band at the bottom with service pills.
Board of directors: eight promoter-group directors, including Chairman George Jacob Muthoot, Vice Chairman George Alexander Muthoot and Managing Director Alexander George, and eight independent directors: Joseph Korah, K V Eapen, Ravindra Pisharody, V. A. George, Usha Sunny, Abraham Chacko, C A Mohan and George Joseph.
Intro sentence; two photo grids of 4×2 headshots split by a vertical rule, labelled 'Promoter Group' and 'Independent Directors', with red names and grey roles.
Group structure table: Muthoot Finance (holding company) with Muthoot Homefin (affordable housing, 100%), Muthoot Money (gold loans under a separate brand, 100%), Muthoot Insurance Brokers (100%), Asia Asset Finance PLC (listed Sri Lankan NBFC, 78.41%), Belstar Microfinance (NBFC-MFI, 66.13%) and two non-operational entities, Muthoot Asset Management and Muthoot Trustee (100% each).
Intro text above a four-column table (entity, business, stake, strategic role) with a red highlighted parent row and arrow connectors to child rows.
Differentiators: #1 Most Trusted Financial Services Brand (TRA Brand Trust Report, ten consecutive years), 6.86 Mn active customers and 2 lakh+ daily branch visitors, 87-year gold loan legacy, 47% gold loan market share among NBFCs (CRISIL, January 2026), 95% of the loan book secured by gold, 7,904 branch offices including subsidiaries, domestic ratings AA+/A1+ (CRISIL, ICRA) and international Ba1/BB+/BB+ (Moody's, Fitch, S&P), and 73.35% promoter-group shareholding.
Patterned red background with a 4×2 grid of white-text blocks, each with a heading, short description and highlighted statistic; source footnote at the bottom.
Market snapshot: the organised gold loan market (banks and NBFCs) is projected at ₹16 lakh crore for FY 2026, up 33–36% from FY 2025's ₹12 lakh crore (CRISIL); Indian households hold about 34,600 tonnes of gold (IBEF) while only 2,950–3,350 tonnes are currently used as loan collateral.
Left text column with a large ₹16 Lakh Cr figure and an arrow linking two tonnage figures; lifestyle photo of a gold loan consultation on the right; source footnotes.
Four structural shifts: informal to formal lending, emergency credit to working capital for micro-enterprises, South-led to pan-India demand, and physical to 'phygital' service with digital layers for onboarding, repayment and service.
Four-row 'FROM → TO' table: grey pill, arrow, red pill, then an explanatory sentence on the right.
Group branch network 7,904 (7,524 a year earlier, +5%); consolidated loan AUM ₹2,093,173 Mn vs ₹1,476,734 Mn (+42%); consolidated PAT ₹61,028 Mn in H1 FY 2027 and ₹32,780 Mn in Q2 FY 2027 vs ₹24,117 Mn in Q2 FY 2026 (+39% on the half). Muthoot Finance contributed 88% of group AUM (87% in H1 FY 2026) and 88% of group PAT (98% in H1 FY 2026), with subsidiaries contributing 12%.
Summary table with highlighted H1 and Q2 columns at the top; four donut charts below comparing parent vs subsidiary contribution to AUM and PAT.
Loan AUM by entity at Sep-26 (₹ Mn): Muthoot Finance 1,878,103 (+42% YoY), Muthoot Homefin 34,601 (+7%), Belstar 78,764 (+2%), Muthoot Money 127,158 (+99%), Asia Asset Finance 15,648 (+38%), less intra-group loans 41,100; total 2,093,173 (+42%), up from 1,915,318 at Jun-26 and 1,819,165 at Mar-26.
Pink-row table with a red highlighted Sep-26 column, comparison columns Jun-26, Mar-26 and Sep-25, a YoY column and a red total row.
Q2 FY 2027 group gold loan AUM ₹1,932,123 Mn on 219.6 tonnes of gold, 12,617,889 loan accounts and 7,540,214 customers (Q1: ₹1,751,256 Mn, 210.1 tonnes). Muthoot Finance holds ₹1,789,562 Mn and 204.1 tonnes; Muthoot Money ₹126,704 Mn and 13.7 tonnes; Asia Asset Finance ₹11,016 Mn; Belstar ₹4,841 Mn.
Two grouped column blocks (Q2 FY 2027 in a red frame, Q1 FY 2027) each with AUM, gold tonnes, loan accounts and customers; red total row.
Profit after tax by entity (₹ Mn), H1 FY 2027 vs H1 FY 2026: Muthoot Finance 55,271 vs 43,915; Muthoot Homefin 114 vs 104; Muthoot Insurance Brokers 304 vs 227; Belstar 1,441 vs a loss of 1,596; Muthoot Money 3,635 vs 1,062; Asia Asset Finance 242 vs 115; Muthoot Asset Management 42 vs 39; Muthoot Trustee 0.30. Q2 FY 2027 parent PAT was 29,766.
Table with highlighted H1 and Q2 FY 2027 columns plus H1 FY 2026, Q2 FY 2026, Q1 FY 2027 and FY 2026; losses in parentheses.
Consolidated total assets ₹2,300,509 Mn at Sep-26 (Jun-26 2,092,355; Mar-26 1,957,540; Sep-25 1,607,487), driven by loans of ₹2,104,802 Mn and cash and equivalents of ₹145,649 Mn; investments ₹14,388 Mn, derivative assets ₹15,720 Mn and goodwill ₹300 Mn.
Full balance-sheet table with financial and non-financial asset subheadings, a red-outlined Sep-26 column and a bold total row.
At Sep-26: debt securities ₹561,631 Mn, other borrowings ₹1,223,223 Mn, deposits ₹10,302 Mn, subordinated liabilities ₹6,467 Mn; equity attributable to owners ₹439,264 Mn (₹328,187 Mn a year earlier) and non-controlling interest ₹7,011 Mn; total liabilities and equity ₹2,300,509 Mn.
Matching table layout for financial liabilities, non-financial liabilities and equity with a highlighted Sep-26 column.
H1 FY 2027 total income ₹187,056 Mn (+36% YoY), interest income ₹184,128 Mn; finance cost ₹71,750 Mn (+46%); impairment ₹7,146 Mn; PBT ₹81,962 Mn (+39%); PAT ₹61,028 Mn (+39%); EPS ₹150.59. Q2 FY 2027: total income ₹100,108 Mn (+16% QoQ), impairment ₹5,933 Mn vs ₹1,213 Mn in Q1, PAT ₹32,780 Mn (+18% QoQ) and EPS ₹80.87. FY 2026 PAT was ₹106,068 Mn.
Wide income statement with H1 and Q2 FY 2027 columns highlighted plus YoY and QoQ percentage columns, income and expense subheadings and bold profit rows.
Standalone total assets ₹2,106,471 Mn at Sep-26 vs ₹1,474,678 Mn at Sep-25; loans ₹1,899,657 Mn, cash and equivalents ₹135,367 Mn, investments ₹44,501 Mn and derivative assets ₹15,716 Mn.
Balance-sheet table with a red-outlined Sep-26 column and Jun-26, Mar-26, Sep-25 comparisons.
Standalone debt securities ₹553,935 Mn and other borrowings ₹1,079,373 Mn at Sep-26; subordinated liabilities ₹4,485 Mn; equity share capital ₹4,015 Mn and other equity ₹416,139 Mn (₹314,419 Mn at Sep-25); total ₹2,106,471 Mn.
Liabilities and equity table in the same format as the previous slide.
H1 FY 2027 standalone total income ₹164,450 Mn (+35%), finance cost ₹65,105 Mn (+46%), impairment ₹5,660 Mn (vs ₹1,291 Mn), PBT ₹74,155 Mn and PAT ₹55,271 Mn (+26%). Q2 FY 2027 income ₹88,419 Mn (+16% QoQ), impairment ₹5,149 Mn vs ₹510 Mn in Q1, PAT ₹29,766 Mn (+17% QoQ) vs ₹23,452 Mn in Q2 FY 2026.
Income statement table with highlighted H1 and Q2 columns, YoY and QoQ columns, and income, expenses and profit sections.
Standalone loan AUM ₹1,878,103 Mn at Sep-26 (+42% YoY, +9% QoQ), of which gold loans ₹1,789,562 Mn (+43%, +10%) and other loans ₹88,541 Mn (+20%, +1%). Gold loan portfolio by region in H1 FY 2027: South 49%, North 22%, West 19%, East 10%, compared with 84% South in FY 2007.
AUM table at the top; three donut charts below comparing regional mix for H1 FY 2027, H1 FY 2026 and FY 2007.
Gold loan AUM ₹1,790 Bn at Sep-26 against 204 tonnes of gold jewellery held as security, with the gold price at ₹13,547/gm (₹10,566 a year earlier). Lender's view: market value of gold content ₹2,763 Bn and margin of safety on loans 35% (43% at Sep-25). Borrower's view: value with 20% added for making charges ₹3,316 Bn and borrower equity of 46% (53% at Sep-25).
Five-quarter data table at the top; two combo charts below (pink and red bars for gold value with a red line for margin or equity percentage).
Two customer stories (a Delhi-NCR nursery owner who received ₹1.25 crore through the Loan at Home service, and a Haryana mother whose gold loan supported her son becoming an IAS officer) above a table: gold loan AUM ₹1,790 Bn (+10% QoQ), 11.50 Mn loan accounts (+5%) and 6.86 Mn active customers (+4%) at Sep-26.
Two grey testimonial cards with circular photos at the top; five-quarter KPI table with a highlighted Sep-26 column below.
At Sep-26: fresh gold loans to inactive customers 479,398 (7% of customers, ₹92,932 Mn outstanding); to new customers 483,107 (7%, ₹105,863 Mn); and with new collateral to existing active customers 838,156 (12%, ₹139,867 Mn). All three grew versus Sep-25.
Grouped table with three grey sub-header bands, each holding customer count, share and outstanding amount across five quarters.
At Sep-26: Stage I ₹1,570,758 Mn, Stage II ₹234,667 Mn (up from ₹18,764 Mn at Jun-26) and Stage III ₹72,679 Mn; gross Stage III rose to 3.87% (2.28% at Jun-26) and net Stage III to 3.41%; ECL provision ₹21,776 Mn (1.16% of loan assets), with excess provision of ₹2,954 Mn. Bad debts written off: ₹1,021 Mn in Q2 FY 2027 and ₹1,882 Mn in H1 FY 2027 (0.10% of loan assets).
Stage-wise classification table at the top and a smaller bad-debt table below, each with highlighted current-period columns.
Borrowings ₹1,638,667 Mn at Sep-26 (+46% YoY, +10% QoQ): bank/FI borrowings ₹752,834 Mn, listed secured NCDs ₹553,817 Mn (+72%), ECB senior secured notes ₹263,520 Mn, commercial paper ₹55,693 Mn, listed subordinated debt ₹4,500 Mn and other loans ₹8,303 Mn. Ratings: CRISIL and ICRA A1+ short-term and AA+ (Stable) long-term; Fitch BB+ (Stable), S&P BB+/Stable/B, Moody's Ba1 (Stable).
Borrowings table at the top with YoY and QoQ columns; three rating panels below for domestic short-term, domestic long-term and international ratings.
Funding mix at 30 September 2026: banks/FIs 46%, secured listed NCDs 34%, ECB senior secured notes 16%, commercial paper 3%, other loans 1%, subordinated debt 0%. Outside liabilities ₹1,686,317 Mn, cash and bank balances ₹135,389 Mn, tangible net worth ₹420,135 Mn and capital gearing of 3.69. NCDs are listed on NSE and BSE; the ECB notes on NSE IX.
Donut chart with a legend of amounts on the left; leverage table and exchange logo tiles on the right.
Line-item operating costs (₹ Mn) for five fiscal years and recent periods: FY 2026 total ₹40,134 Mn including employee costs ₹18,248 Mn; H1 FY 2027 total ₹25,189 Mn vs ₹18,239 Mn, mainly due to impairment of ₹5,660 Mn; Q2 FY 2027 total ₹14,847 Mn, including impairment of ₹5,150 Mn.
Wide table split into 'Yearly' (Mar-26 to Mar-22) and 'Half Yearly / Quarterly' groups with highlighted Mar-26, H1 FY 2027 and Q2 FY 2027 columns.
Opex ratio by year: 3.48% (Mar-22), 3.62%, 3.64%, 3.90% (Mar-25), 2.92% (Mar-26). Recent periods: H1 FY 2026 2.95%, H1 FY 2027 2.84%, Q1 FY 2027 2.42%, Q2 FY 2026 3.02%, Q2 FY 2027 3.24%.
Line chart for yearly values on the left and a bar chart for half-yearly and quarterly values on the right, with latest periods in dark red.
Yearly PBT/PAT (₹ Mn): FY22 53,094/39,543; FY23 46,664/34,735; FY24 54,488/40,497; FY25 70,706/52,008; FY26 136,455/101,341. H1 FY 2027 PBT 74,155 and PAT 55,271; Q2 FY 2027 PBT 39,925 and PAT 29,766. The chart labels Q2 FY 2026 PBT as 31,514 while the standalone results table on slide 27 shows 31,154.
Dual-line chart for yearly PBT and PAT on the left; clustered red/gold bar chart for half-yearly and quarterly periods on the right.
FY 2026: interest income 20.16%, interest expense 7.40%, NIM 12.75%, PAT/average loan assets 7.55%. H1 FY 2027: yield 18.64%, NIM 11.16%, provisions and write-offs 0.65%, PAT 6.34%. Q2 FY 2027: yield 19.41%, NIM 11.93%, SG&A 2.10%, provisions 1.14%, PBT 8.88%, PAT 6.62%.
Ratio table split into yearly and half-yearly/quarterly blocks with highlighted Mar-26, H1 FY 2027 and Q2 FY 2027 columns.
Yearly yield / interest expense / NIM: Mar-22 20.06/7.02/13.03 to Mar-26 20.16/7.40/12.76 (the ratio table on slide 38 shows NIM 12.75%). Q2 FY 2027 yield 19.41%, interest expense 7.48% and NIM 11.93% vs 12.66% in Q2 FY 2026; Q1 FY 2027 NIM 10.41%.
Three-line yearly chart on the left; clustered three-bar chart for five half-yearly/quarterly periods on the right; shared legend.
Spread (yield minus cost of average borrowings) by year: 11.99% (Mar-22), 9.69%, 9.45%, 9.59%, 11.38% (Mar-26), with borrowing cost at 8.78% in FY 2026. Q2 FY 2027 spread 10.77% (borrowing cost 8.64%) vs 11.21% in Q2 FY 2026; H1 FY 2027 10.01%.
Same paired line/bar chart layout as the previous slide.
ROA on average loan assets: 7.24% (Mar-22), 5.93%, 5.84%, 5.70% (Mar-25), 7.55% (Mar-26). H1 FY 2027 6.34% vs 7.30% in H1 FY 2026; Q2 FY 2027 6.62% vs 7.44% in Q2 FY 2026; Q1 FY 2027 6.09%.
Yearly line chart on the left; half-yearly/quarterly bar chart on the right with current periods in dark red.
ROE: 23.55% (Mar-22), 17.63%, 17.86%, 19.73% (Mar-25), 30.63% (Mar-26). H1 FY 2027 27.72% vs 29.14%; Q2 FY 2027 29.40% vs 30.61% in Q2 FY 2026; Q1 FY 2027 26.60%.
Yearly line chart and half-yearly/quarterly bar chart side by side.
H1 FY 2027 EPS ₹137.67 (basic and diluted); at Sep-26 book value per share ₹1,046.49, market price ₹2,743.60 (NSE), P/E 9.77 on trailing EPS and P/B 2.62. Shareholding at 30 September 2026: promoters 73%, FII/FC/MF and others 23%, public 4%. NSE ticker MUTHOOTFIN, BSE code 533398, market capitalisation ₹1,101,469 Mn.
Valuation tables on the left, shareholding donut in the centre and ticker/market-cap callouts on the right.
RBI-registered gold loan NBFC that pivoted away from commercial vehicle and equipment finance and expands selectively into underserved geographies. Present in 26 states and UTs; H1 FY 2027 loan AUM ₹127,158 Mn (+99% YoY) and PAT ₹3,635 Mn (+242% YoY).
Subsidiary intro template: logo tile, description paragraph and three stat columns on the left, large lifestyle photo on the right.
H1 FY 2027: 1,011 branches, 5,067 employees, capital adequacy 21%, revenue ₹11,027 Mn, PBT ₹4,861 Mn, PAT ₹3,635 Mn (Q2 ₹1,914 Mn), Stage III 1.14%, ECL 0.61% of loans, shareholders' funds ₹27,201 Mn and total assets ₹138,389 Mn.
Single table with highlighted H1 FY 2027 and Q2 FY 2027 columns, the subsidiary logo in the header and ₹ in Mn units.
NBFC incorporated in 1988, acquired by the Hand in Hand group in 2008 to serve Self Help Group entrepreneurs, and reclassified as an NBFC-MFI in 2013. Present in 21 states and UTs; gross loan AUM ₹78,764 Mn (+2% YoY) and a profit turnaround to ₹1,441 Mn in H1 FY 2027 from a ₹1,596 Mn loss.
Subsidiary intro template with logo, description, three stat columns and a photo of a woman entrepreneur painting clay pots.
H1 FY 2027: 1,362 branches, 10,417 employees (12,169 a year earlier), loan assets ₹72,421 Mn, CRAR 25%, revenue ₹9,058 Mn, PBT ₹1,919 Mn vs a loss of ₹2,135 Mn, Stage III 3.26% vs 4.58%, ECL 4.90% of gross loans, shareholders' funds ₹19,388 Mn.
Snapshot table with highlighted columns and the subsidiary logo badge.
Housing finance company registered with the National Housing Bank, serving EWS and LIG customers in Tier II and III locations through a hub-and-spoke model run from Mumbai. Present in 18 states and UTs; loan AUM ₹34,601 Mn (+7% YoY) and H1 PAT ₹114 Mn (+9% YoY).
Subsidiary intro template with a photo of a young couple reviewing documents at a laptop.
H1 FY 2027: 176 branches and 176 sales offices, 905 employees, loan assets ₹30,039 Mn, CRAR 29%, revenue ₹2,182 Mn, PBT ₹172 Mn, PAT ₹114 Mn, shareholders' funds ₹7,720 Mn and total assets ₹32,855 Mn.
Snapshot table with highlighted H1 and Q2 FY 2027 columns.
H1 FY 2027 disbursement ₹2,774 Mn (₹4,549 Mn a year earlier), borrowings ₹24,199 Mn, debt/equity 3.13, yield 13.32%, spread 4.79%, NIM 6.33%, cost-to-income 43.93%, ROA 0.76%, ROE 2.97%, Stage III 2.50%, ECL 1.71% and 35,036 customers.
Second snapshot table in the same format, focused on business volumes and ratios.
Deposit-taking finance company licensed by the Central Bank of Sri Lanka and listed on the Colombo Stock Exchange; established in 1970 and a Muthoot subsidiary since December 2014, now focused on gold loans. 125 branches; H1 FY 2027 loan AUM LKR 53,939 Mn (+39% YoY) and PAT LKR 839 Mn (+110% YoY).
Subsidiary intro template with a photo of a tailor-entrepreneur beside a sewing machine.
In LKR Mn with the LKR/INR rate shown (0.2901): H1 FY 2027 branches 125, employees 1,251, loan AUM 53,939, CRAR 18% (26% a year earlier), revenue 7,190, PBT 1,623, PAT 839, shareholders' funds 7,013 and total assets 66,627.
Snapshot table in LKR with an exchange-rate row at the top and highlighted columns.
IRDA-registered direct broker since 2013 distributing life and non-life insurance; during the year it insured over 321,000 lives with ₹840 Mn of first-year premium across traditional, term and health lines. H1 FY 2027 premium collection ₹1,438 Mn.
Subsidiary intro template with one stat column and a family-consultation photo.
Premium collection ₹1,438 Mn in H1 FY 2027 vs ₹2,407 Mn, and policies 343,341 vs 1,255,648. Revenue ₹557 Mn, expenses ₹207 Mn, PBT ₹350 Mn, PAT ₹304 Mn (vs ₹227 Mn), shareholders' funds ₹2,958 Mn and EPS ₹405.
Two stacked tables: key business parameters and key financial parameters, each with highlighted columns.
Muthoot Asset Management: net worth ₹1,399 Mn and PAT ₹42 Mn in H1 FY 2027 (₹76 Mn in FY 2026). Muthoot Trustee: net worth ₹12 Mn and PAT ₹0.30 Mn in H1 FY 2027.
Four small tables in a 2×2 arrangement (net worth and PAT for each entity) with highlighted H1 and Q2 columns.
Digital KPIs: loan proceeds credited directly to bank accounts via NEFT/RTGS/IMPS; 8% of gold loan top-ups and 55% of interest repayments made through the iMuthoot app in Q2 FY27; 28 Mn app downloads with 6.7 Mn registered users; 100% of unsecured cross-sell originated through digital channels; 5.5 Mn transactions via Muthoot Online and iMuthoot in Q2 FY27.
Six grey stat tiles in two groups ('Redefining Customer Experience' and 'Scaling Operational Impact'), each with a big red figure and description.
What customers can do: repay, top up, renew and apply for gold, personal and LAP loans in iMuthoot; pay via UPI, net banking, PoS, UPI AutoPay and eMandates; use DIY top-ups; get 24x7 help from AI assistants MATTU and MITTU; and use WhatsApp journeys and self-service documents. The stack covers UPI/BBPS/eCollection rails, a cloud CRM, a complaint module, MoEngage outreach, branch PoS and real-time speech analytics.
Two large rounded panels side by side with gold icons, red headings and gold star bullet lists.
Logo wall of customer and internal platforms: iMuthoot app, Muthoot CRM, Muthoot HRMS, SalesNXT, Muthoot Finance CFSS (Core Financial Service Solution), BINGO Lite, iTracker, Muthoot Online, a 'Chat with us' assistant and MINE (Muthoot Information Network for Employees).
White canvas with a scattered three-row logo grid under a one-line subtitle.
Flagship campaign Sunheri Soch, now in its fifth season under 'Sona Kya Nahi Kar Sakta', features real customer stories, with 158 RJs across 97 radio stations and 100% of new branches covered. The current brand campaign 'Sona Kya Nahi Kar Sakta' is fronted by Amitabh Bachchan in four films and amplified through radio, digital and social media.
Two-column layout: campaign cards with poster thumbnails on the left and right, each paired with a text column of red stat callouts.
FY 2026 CSR spend of ₹1,143 Mn reaching 33.7 lakh beneficiaries. Programmes: Muthoot Aashiyana housing (270+ homes handed over), Muthoot Snehasraya healthcare (7.5 lakh+ beneficiaries), Muthoot M. George Excellence Awards education (11,900 students supported) and Muthoot Finclusion Challenge (5,700 teams in the latest edition).
Intro text with two headline stats at the top; four equal cards below, each with a category icon, programme name, description and impact figure.
Closing slide with the registered office (NH Bypass, Kochi, Ernakulam, Kerala 682028), investor relations email and website, and the brand ambassador giving a double thumbs-up.
Mirrors the cover: white background, logo top-left, large red 'Thank You', contact details at the bottom and a portrait on the right.
이 슬라이드 및 기본 프레젠테이션 콘텐츠에 대한 일반적인 질문.
It is Muthoot Finance Limited's 61-slide investor presentation on financial results for Q2 and H1 FY 2027, the quarter ended 30 September 2026. The company filed it with BSE and NSE on 2 November 2026. It covers half-year highlights, the corporate profile, the gold loan market, consolidated and standalone financials, asset quality, funding, subsidiaries, digital, marketing and CSR.
Indian companies use an April–March fiscal year, so FY 2027 runs from April 2026 to March 2027. Q2 FY 2027 is July–September 2026, and H1 FY 2027 is April–September 2026. The cover is dated September 2026 because the results are as of 30 September 2026.
Consolidated loan AUM reached ₹209,317 crore, up 42% year on year. Consolidated profit after tax was ₹6,103 crore, up 39%. Standalone loan AUM was ₹187,810 crore (+42%) and standalone PAT was ₹5,527 crore (+26%). Q2 FY 2027 consolidated PAT was ₹32,780 million, up 18% on the quarter.
Slide 32 shows gross Stage III loan assets rising to 3.87% at September 2026 from 2.28% at June 2026. Net Stage III rose to 3.41%. Stage II assets jumped to ₹234,667 million from ₹18,764 million, and ECL provisions were 1.16% of loan assets. Standalone impairment rose to ₹5,149 million in Q2 from ₹510 million in Q1.
No. Muthoot Finance is a non-banking financial company (NBFC) that specialises in gold loans. The Reserve Bank of India classifies it as an Upper Layer NBFC. About 95% of its loan book is secured by gold jewellery: 204 tonnes at September 2026, against a gold loan AUM of about ₹1,790 billion.
The highlight slides use ₹ crore (1 crore = 10 million). The financial statements and most tables are in ₹ million, and ratio slides are in percent. Asia Asset Finance, the Sri Lankan subsidiary, reports in Sri Lankan rupees (LKR million), with an LKR/INR rate shown on the slide.
Yes, the layout works as a reference. It includes KPI card slides, side-by-side balance sheet and income statement tables, paired line and bar ratio charts, donut charts for portfolio mix, a state-wise branch map and a repeatable two-slide pattern for each subsidiary. These patterns suit banks, NBFCs and other financial companies reporting quarterly results.
Muthoot Finance filed the presentation with BSE (scrip code 533398) and NSE (symbol MUTHOOTFIN) on 2 November 2026. The original PDF is available from BSE's corporate filings, and investor materials are also posted on muthootfinance.com.
Original exchange filing dated 2 November 2026; includes the exchange cover letter.
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