| Scrip code | 533398 |
|---|---|
| NSE Symbol | MUTHOOTFIN |
| MSEI Symbol | NOTLISTED |
| ISIN | INE414G01012 |
| Name of company | MUTHOOT FINANCE LIMITED |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 13-11-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 07-11-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | Financing |
| Start date and time of board meeting | 13-11-2025 10:30:00 |
| End date and time of board meeting | 13-11-2025 15:35:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 7,09,129.90 | 13,37,930.90 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 0.00 | 0.00 |
| (v) | Net gain on fair value changes | 7,540.70 | 14,621.90 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 1,679.70 | 2,229.20 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 654.80 | 859.30 |
| (ix) | Other revenue from operations | ||
| 1 | Service charges | 9,273.80 | 17,650.70 |
| Total other revenue from operations | 9,273.80 | 17,650.70 | |
| Total Revenue From Operations | 7,28,278.90 | 13,73,292.00 | |
| Other income | 4,979.90 | 8,468.60 | |
| Total income | 7,33,258.80 | 13,81,760.60 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 72,692.10 | 1,42,337.40 | |
| Finance costs | 2,57,122.40 | 4,92,613.70 | |
| Depreciation, depletion and amortisation expense | 3,760.80 | 7,235.90 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 29,537.40 | 62,597.80 | |
| (f) | Other expenses | ||
| 1 | Other Expense | 45,726.10 | 87,153.00 |
| Total other expenses | 45,726.10 | 87,153.00 | |
| Total expenses | 4,08,838.80 | 7,91,937.80 | |
| 3 | Total profit before exceptional items and tax | 3,24,420.00 | 5,89,822.80 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 3,24,420.00 | 5,89,822.80 |
| 7 | Tax expense | ||
| 8 | Current tax | 82,520.40 | 1,57,226.70 |
| 9 | Deferred tax | 733.70 | (5,994.50) |
| 10 | Total tax expenses | 83,254.10 | 1,51,232.20 |
| 11 | Net Profit Loss for the period from continuing operations | 2,41,165.90 | 4,38,590.60 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 2,41,165.90 | 4,38,590.60 |
| 16 | Other comprehensive income net of taxes | 4,421.90 | 5,944.40 |
| 17 | Total Comprehensive Income for the period | 2,45,587.80 | 4,44,535.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 2,42,063.40 | 4,43,683.40 | |
| Total profit or loss, attributable to non-controlling interests | (897.50) | (5,092.80) | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 4,331.90 | 5,898.30 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 90.00 | 46.10 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 40,146.80 | 40,146.80 | |
| Face value of equity share capital | 10 | 10 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 60.29 | 110.52 | |
| Diluted earnings per share from continuing operations | 60.3 | 110.52 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 60.29 | 110.52 | |
| Diluted earnings per share | 60.3 | 110.52 | |
| 23 | Debt equity ratio | 3.52 | 3.52 |
| 24 | Debt service coverage ratio | 0.00 | 0.00 |
| 25 | Interest service coverage ratio | 0.00 | 0.00 |
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 5,89,822.80 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 4,92,613.70 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | 214.40 | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 0.00 | |
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |
| Adjustments for other financial assets, non-current | (5,362.00) | |
| Adjustments for other financial assets, current | (25,02,162.80) | |
| Adjustments for other bank balances | 2,518.00 | |
| Adjustments for increase (decrease) in trade payables, current | 4,205.60 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 7,235.90 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 62,597.80 | |
| Adjustments for provisions, current | (52,917.10) | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | (21,917.20) | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for interest income | 24,659.40 | |
| Adjustments for share-based payments | 0.00 | |
| Adjustments for fair value losses (gains) | (8,782.10) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (5,839.80) | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 2,036.20 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (20,50,218.80) | |
| Net cash flows from (used in) operations | (14,60,396.00) | |
| Dividends received | 0.00 | |
| Interest paid | 4,12,155.20 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 1,37,512.50 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (20,10,063.70) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 64.40 | |
| Purchase of property, plant and equipment | 5,326.70 | |
| Proceeds from sales of investment property | 44.30 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 0.00 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | (2,71,114.90) | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 25,783.90 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) investing activities | (2,50,549.00) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 2.20 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 8,93,029.30 | |
| Proceeds from borrowings | 14,51,418.30 | |
| Repayments of borrowings | 5,121.70 | |
| Payments of lease liabilities | 0.00 | |
| Dividends paid | 1,04,392.60 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (239.00) | |
| Net cash flows from (used in) financing activities | 22,34,696.50 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (25,916.20) | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 129.20 | |
| Net increase (decrease) in cash and cash equivalents | (25,787.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 8,22,431.20 | |
| Cash and cash equivalents cash flow statement at end of period | 7,96,644.20 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 7,96,678.30 | ||
| Bank Balance other than (a) above | 15,382.10 | ||
| Derivative financial instruments | 32,815.20 | ||
| Receivables | |||
| (I) Trade Receivables | 971.30 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 1,45,49,812.20 | ||
| Investments | 5,21,225.80 | ||
| Other Financial assets | 49,782.50 | ||
| Total Financial Assets | 1,59,66,667.40 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 2,093.00 | ||
| Deferred tax Assets (Net) | 24,246.80 | ||
| Investment Property | 1,209.60 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 61,103.20 | ||
| Capital work-in-progress | 1,025.10 | ||
| Intangible assets under development | 29.70 | ||
| Goodwill | 2,999.60 | ||
| Other Intangible assets | 517.50 | ||
| Other non-financial assets (to be specified) | 14,974.60 | ||
| Total Non Financial Assets | 1,08,199.10 | ||
| Total assets | 1,60,74,866.50 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 40,146.80 | ||
| Other equity | 32,41,719.10 | ||
| Total equity attributable to owners of parent | 32,81,865.90 | ||
| Non controlling interest | 5760490000 | ||
| Total equity | 33,39,470.80 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 15.10 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 22.10 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 15,939.60 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 18,125.70 | ||
| (C ) | Debt Securities | 32,94,722.00 | |
| (d) | Borrowings (Other than Debt Securities) | 89,49,503.10 | |
| (e) | Deposits | 61,970.70 | |
| (f) | Subordinated Liabilities | 24,912.10 | |
| (g) | Other financial liabilities | 2,62,364.60 | |
| Total Financial Liabilities | 1,26,27,575.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 45,133.90 | |
| (b) | Provisions | 44,345.60 | |
| (C ) | Deferred tax liabilities (Net) | 2,854.50 | |
| (d) | Other non-financial liabilities | 15,486.70 | |
| Total Non Financial Liabilities | 1,07,820.70 | ||
| Total liabilities | 1,27,35,395.70 | ||
| Total equity and liabilites | 1,60,74,866.50 | ||
| Disclosure of notes on assets and liabilities | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurement of defined benefit plans | -113610000 | -122890000 |
| 2 | Fair value changes on equity instruments through other comprehensive income | -3560000 | 145400000 |
| 3 | Changes in value of forward element of forward contract | 35230000 | 182970000 |
| 4 | Income tax relating to items that will not be reclassified to profit or loss | 20850000 | -51420000 |
| Total Amount of items that will not be reclassified to profit and loss | -61090000 | 154060000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 0.00 | 0.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Gain/ loss from translating financial statement of foreign operation | 33250000 | 16480000 |
| 2 | Effective portion of gain/(loss) on hedging instruments in cash flow hedges | 628120000 | 566470000 |
| 3 | Income tax relating to items that will be reclassified to profit or loss | -158090000 | -142570000 |
| Total Amount of items that will be reclassified to profit and loss | 503280000 | 440380000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0.00 | 0.00 |
| 5 | Total Other comprehensive income | 4,421.90 | 5,944.40 |