| 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 | 14-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 11-05-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Single segment |
| Description of single segment | FINANCING |
| Start date and time of board meeting | 14-05-2026 10:15:00 |
| End date and time of board meeting | 14-05-2026 16:35:00 |
| 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 | Declaration of unmodified opinion |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 9,00,866.50 | 30,37,091.70 |
| (ii) | Dividend Income | 125.30 | 411.40 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 0.00 | 0.00 |
| (v) | Net gain on fair value changes | 6,016.90 | 27,796.30 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 6,359.00 | 10,852.80 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 140.80 | 1,296.30 |
| (ix) | Other revenue from operations | ||
| 1 | Service Charges | 15,362.40 | 43,474.70 |
| Total other revenue from operations | 15,362.40 | 43,474.70 | |
| Total Revenue From Operations | 9,28,870.90 | 31,20,923.20 | |
| Other income | 264.80 | 5,417.80 | |
| Total income | 9,29,135.70 | 31,26,341.00 | |
| 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 | 58,278.50 | 2,79,113.50 | |
| Finance costs | 3,15,478.00 | 10,99,963.60 | |
| Depreciation, depletion and amortisation expense | 2,447.60 | 13,731.20 | |
| 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 | 26,841.80 | 1,02,614.30 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 67,674.40 | 2,00,434.10 |
| Total other expenses | 67,674.40 | 2,00,434.10 | |
| Total expenses | 4,70,720.30 | 16,95,856.70 | |
| 3 | Total profit before exceptional items and tax | 4,58,415.40 | 14,30,484.30 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 4,58,415.40 | 14,30,484.30 |
| 7 | Tax expense | ||
| 8 | Current tax | 1,21,764.70 | 3,77,486.00 |
| 9 | Deferred tax | (3,097.20) | (7,688.40) |
| 10 | Total tax expenses | 1,18,667.50 | 3,69,797.60 |
| 11 | Net Profit Loss for the period from continuing operations | 3,39,747.90 | 10,60,686.70 |
| 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 | 3,39,747.90 | 10,60,686.70 |
| 16 | Other comprehensive income net of taxes | 15,886.20 | 21,850.70 |
| 17 | Total Comprehensive Income for the period | 3,55,634.10 | 10,82,537.40 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 3,34,947.30 | 10,59,033.70 | |
| Total profit or loss, attributable to non-controlling interests | 4,800.80 | 1,653.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 15,747.10 | 21,731.90 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 139.10 | 118.80 | |
| 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 | 0.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 83.43 | 263.79 | |
| Diluted earnings per share from continuing operations | 83.43 | 263.79 | |
| 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 | 83.43 | 263.79 | |
| Diluted earnings per share | 83.43 | 263.79 | |
| 23 | Debt equity ratio | 3.6700 | 3.6700 |
| 24 | Debt service coverage ratio | 0.0 | 0.0 |
| 25 | Interest service coverage ratio | 0.0 | 0.0 |
| 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 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 14,30,484.30 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 10,99,963.60 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | 25.60 | |
| 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 | (15,452.90) | |
| Adjustments for other financial assets, current | (58,70,174.00) | |
| Adjustments for other bank balances | (7,465.90) | |
| Adjustments for increase (decrease) in trade payables, current | 4,937.60 | |
| 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 | 13,731.20 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 1,02,614.30 | |
| Adjustments for provisions, current | (59,747.80) | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | (20,608.70) | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 411.40 | |
| Adjustments for interest income | 51,709.80 | |
| Adjustments for share-based payments | 0.00 | |
| Adjustments for fair value losses (gains) | (1,213.20) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (26,583.10) | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 12,055.60 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (48,20,038.90) | |
| Net cash flows from (used in) operations | (33,89,554.60) | |
| Dividends received | 0.00 | |
| Interest paid | 9,84,923.40 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 3,64,787.30 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (47,39,265.30) | |
| 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 | 204.40 | |
| Purchase of property, plant and equipment | 15,273.40 | |
| Proceeds from sales of investment property | 45.60 | |
| 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 | 2,07,639.30 | |
| 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 | 411.40 | |
| Interest received | 52,751.30 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) investing activities | 2,45,778.60 | |
| 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 | 12,84,267.30 | |
| Proceeds from borrowings | 37,31,489.20 | |
| Repayments of borrowings | (21,228.30) | |
| Payments of lease liabilities | 0.00 | |
| Dividends paid | 1,04,413.60 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (617.20) | |
| Net cash flows from (used in) financing activities | 49,31,956.20 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 4,38,469.50 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 368.60 | |
| Net increase (decrease) in cash and cash equivalents | 4,38,838.10 | |
| Cash and cash equivalents cash flow statement at beginning of period | 8,22,431.30 | |
| Cash and cash equivalents cash flow statement at end of period | 12,61,269.40 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 12,61,400.50 | ||
| Bank Balance other than (a) above | 25,383.80 | ||
| Derivative financial instruments | 1,75,799.10 | ||
| Receivables | |||
| (I) Trade Receivables | 1,160.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 1,78,85,676.70 | ||
| Investments | 55,019.70 | ||
| Other Financial assets | |||
| 1 | Other Financial assets | 60,098.20 | |
| Total of Other Financial assets | 60,098.20 | ||
| Total Financial Assets | 1,94,64,538.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 2,001.40 | ||
| Deferred tax Assets (Net) | 21,195.80 | ||
| Investment Property | 1,236.80 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 65,508.10 | ||
| Capital work-in-progress | 1,049.00 | ||
| Intangible assets under development | 14.10 | ||
| Goodwill | 2,999.60 | ||
| Other Intangible assets | 432.80 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 16,423.80 | |
| Total of Other non-financial assets | 16,423.80 | ||
| Total Non Financial Assets | 1,10,861.40 | ||
| Total assets | 1,95,75,399.40 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 40,146.80 | ||
| Other equity | 38,72,884.70 | ||
| Total equity attributable to owners of parent | 39,13,031.50 | ||
| Non controlling interest | 6441360000 | ||
| Total equity | 39,77,445.10 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 0.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 41.40 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 14,415.50 | ||
| 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 | 20,362.50 | ||
| (C ) | Debt Securities | 36,86,378.80 | |
| (d) | Borrowings (Other than Debt Securities) | 1,13,62,981.30 | |
| (e) | Deposits | 78,006.50 | |
| (f) | Subordinated Liabilities | 51,292.40 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 2,70,441.60 | |
| Total of Other financial liabilities | 2,70,441.60 | ||
| Total Financial Liabilities | 1,54,83,920.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 38,020.30 | |
| (b) | Provisions | 52,285.30 | |
| (C ) | Deferred tax liabilities (Net) | 3,348.10 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 20,380.60 | |
| Total of Other non-financial liabilities | 20,380.60 | ||
| Total Non Financial Liabilities | 1,14,034.30 | ||
| Total liabilities | 1,55,97,954.30 | ||
| Total equity and liabilites | 1,95,75,399.40 | ||
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| Whether results are audited or unaudited | Audited | Audited | |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| 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 | Remeasurements of defined benefit plans | 44870000 | -139610000 |
| 2 | Deferred tax charge on revaluation surplus | 700000 | 700000 |
| 3 | Fair value changes on equity instruments through other comprehensive income | -3640000 | 75260000 |
| 4 | Deferred tax reversal/(charge) on actual gain/ (losses) | -2330000 | -2330000 |
| 5 | Change in value of forward element of forward contract | 280330000 | 248480000 |
| 6 | Income tax relating to items that will not be reclassified to profit or loss | -80920000 | -46260000 |
| Total Amount of items that will not be reclassified to profit and loss | 239010000 | 136240000 | |
| 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 statements of foreign operations | 62040000 | 54000000 |
| 2 | Effective portion of gain /(loss) on heedging instruments in cash flow hedges | 1720610000 | 2665740000 |
| 3 | Income tax relating to items that will be reclassified to profit or loss | -433040000 | -670910000 |
| Total Amount of items that will be reclassified to profit and loss | 1349610000 | 2048830000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0.00 | 0.00 |
| 5 | Total Other comprehensive income | 15,886.20 | 21,850.70 |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s Krishnamoorthy & Krishnamoorthy | Yes | 28-02-2027 | ||
|---|---|---|---|---|---|
| 2 | M/s PSDY & Associates | Yes | 30-09-2027 | ||