Muthoot Microfin Limited share price

Key numbers

Market cap

₹ 3,046 Cr

Current price

₹ 181.56

52-week high / low

₹ 263 / 141

Stock P/E

12.4

Book value

₹ 170.1

Dividend yield

0.00%

ROCE

2.0%

ROE

6.2%

Debt to equity

3.40

Sales growth (3 yrs)

19.5%

Profit growth (3 yrs)

1.3%

1-year return

9.5%

About Muthoot Microfin Limited

Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, Suvidha, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. The company was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited operates as a subsidiary of Muthoot Fincorp Limited.

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-08-12)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• And the guidance that we have given of around 75% digital collection by 2030, I think we should be able to achieve that much earlier.
• I think from a growth perspective, we have revised our guidance to 20%.

Growth & demand

• We feel that with the momentum that we have in the quarter 1 and looking at the festive season approaching us and the way the liquidity is available to us and the demand that is there at the ground, we definitely feel that 20% is a growth that we can easily achieve.
• In terms of our overall performance, we have seen the AUM growth of 18% year -on-year.

Margins & costs

• In the quarter, we have reduced our cost of fund from 10.27% to 10.13%, 14 basis point reduction has already happened in the Q1 itself.
• The cost of fund is reducing for us and incremental borrowing cost is around 9.8%, which was already at 9.9%.

Capex & expansion

• We have loan against property, which is there to cater to their need of expansion and bigger kind of improvement in their business or in their liveli hood, whatever they want to do.
• But if you look at from a quarter 1 perspective, there is a 50 bps of expansion already has happened.

Balance sheet & cash

• This will really give us a good yield on the portfolio because we will be borrowing at around 8.2% to 8.1% and building a portfolio, which will give us a yield of around 22% to 23%, so that Muthoot Microfin Limited August 07, 2026 will really give us good kind of margins on our business.
• Last financial year, we did around INR 1,600 crores of DA, so it's a consistent borrowing that we do.

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