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Finance company Muthoot Finance announced Q1FY27 results

Consolidated Financial Highlights:

• Total Income for Q1FY27 was Rs 86,948.16 million, representing a 34.48% YoY increase from Rs 64,656.81 million in Q1FY26 and a 6.42% QoQ decrease from Rs 92,913.57 million in Q4FY26.
• Interest Income for Q1FY27 stood at Rs 85,569.92 million, reflecting a YoY growth of 36.08% from Rs 62,880.10 million in Q1FY26 and a QoQ decline of 5.01% from Rs 90,086.65 million in Q4FY26.
• Profit for the period in Q1FY27 reached Rs 28,248.40 million, an increase of 43.08% YoY compared to Rs 19,742.46 million in Q1FY26, while declining by 16.85% QoQ from Rs 33,974.79 million in Q4FY26.
• Consolidated Loan Assets Under Management (AUM) grew to Rs 1,91,532 crore in Q1FY27, marking a 43% YoY increase from Rs 1,33,938 crore in Q1FY26 and a 5% QoQ increase from Rs 1,81,916 crore in Q4FY26.
• Total Assets of the Group stood at Rs 2,092,354.83 million as of June 30, 2026 (Q1FY27), compared to Rs 1,957,539.94 million as of March 31, 2026 (FY26).
• Earnings Per Share (Basic) for Q1FY27 was Rs 69.72, showing a 38.83% YoY increase from Rs 50.22 in Q1FY26 and a 16.43% QoQ decrease from Rs 83.43 in Q4FY26.

Standalone Financial Highlights:

• Total Income in Q1FY27 reached Rs 76,030.48 million, up 33.13% YoY from Rs 57,111.09 million in Q1FY26 and down 7.21% QoQ from Rs 81,939.35 million in Q4FY26.
• Interest Income for Q1FY27 was Rs 75,059.79 million, exhibiting a 34.22% YoY growth from Rs 55,923.33 million in Q1FY26 and a 6.83% QoQ decline from Rs 80,559.98 million in Q4FY26.
• Profit for the period stood at Rs 25,504.76 million in Q1FY27, reflecting a 24.64% YoY increase from Rs 20,462.99 million in Q1FY26 and a 17.36% QoQ decrease from Rs 30,861.88 million in Q4FY26.
• Standalone Loan AUM grew to Rs 1,72,053 crore in Q1FY27, a 43% YoY increase from Rs 1,20,031 crore in Q1FY26 and a 6% QoQ increase from Rs 1,62,826 crore in Q4FY26.
• Capital Adequacy Ratio as of Q1FY27 was 20.30%, compared to 21.96% in Q1FY26 and 20.75% in Q4FY26.
• Net Profit Margin for Q1FY27 was 33.55%, compared to 35.77% in Q1FY26 and 37.66% in Q4FY26.
• Earnings Per Share (Basic) for Q1FY27 was Rs 63.53, an increase of 24.64% YoY from Rs 50.97 in Q1FY26 and a decrease of 17.35% QoQ from Rs 76.87 in Q4FY26.

Business Highlights:

• The Group expanded its reach by opening 86 new branches during Q1FY27, bringing the total consolidated branch network to 7,654 Nos.
• Standalone Gold Loan AUM reached Rs 1,63,298 crore in Q1FY27, registering a growth of 44% YoY.
• Average Gold Loan AUM per branch (Standalone) stood at Rs 32.47 crore in Q1FY27, representing a 40% YoY increase from Rs 23.21 crore in Q1FY26.
• Gold loan disbursement to new customers in standalone operations was Rs 8,937 crore, involving 4,82,707 customers during Q1FY27.
• The total number of loan accounts in standalone operations grew by 4% YoY to 109 lakh in Q1FY27 from 105 lakh in Q1FY26.
• The average loan ticket size increased by 38% YoY to Rs 1,49,815 in Q1FY27.
• The total weight of gold jewellery pledged stood at 197 tonnes in Q1FY27, a 6% YoY decrease from 209 tonnes in Q1FY26.
• The Stage III loan assets to Gross loan assets ratio improved to 2.28% in Q1FY27, compared to 2.58% in Q1FY26.
• Muthoot Homefin (India) Limited (MHIL) reported a Loan AUM of Rs 3,496 crore in Q1FY27, up 13% YoY. Its Profit After Tax stood at Rs 42 million, an increase of 114% YoY.
• Belstar Microfinance Limited (BML) reported a Loan AUM of Rs 7,842 crore in Q1FY27. It achieved a profit turnaround with Rs 66 crore in Q1FY27 against a loss of Rs 128 crore in Q1FY26. The subsidiary opened 45 gold loan branches during the quarter.
• Muthoot Money Limited (MML) witnessed a 111% YoY growth in Loan AUM, reaching Rs 10,550 crore in Q1FY27. Total revenue surged by 139% YoY to Rs 511 crore, while Profit After Tax grew by 366% YoY to Rs 172 crore.
• Asia Asset Finance PLC (AAF) in Sri Lanka reported a Loan AUM of LKR 5,270 crore, a 51% YoY increase. Its Profit After Tax rose by 137% YoY to LKR 43 crore in Q1FY27.
• Muthoot Insurance Brokers Private Limited (MIBPL) generated a total premium collection of Rs 70 crore and a Profit After Tax of Rs 17 crore in Q1FY27.

George Jacob Muthoot, Chairman, said: “Muthoot Finance has begun FY27 with a strong footing with our Consolidated Loan Assets Under Management reaching highest ever level of Rs 1,91,532 crore. It reflects a robust growth of 43% YoY in Consolidated Loan Assets Under Management primarily driven by 43% year-on-year growth in Loan Assets of Muthoot Finance by Rs 52,022 crore. Our subsidiaries have continued the strong momentum, contributing significantly to our consolidated loan assets which now stand at 12 %.

Consolidated Profit after Tax grew by 43% YoY to Rs 2,825 crore, driven by the continued strength of our core gold loan business. This performance reflects the enduring trust our customers place in Muthoot Finance and our unwavering focus on delivering accessible, reliable, and customer-centric financial solutions.

As India's economy continues to expand, the need for quick, dependable and affordable credit is becoming increasingly important. Gold loans remain a vital source of timely liquidity for millions of individuals and small businesses, and we are well positioned to meet this growing demand through our unmatched reach, deep domain expertise and strong customer relationships.

At the same time, we are accelerating our digital transformation to make credit delivery faster, simpler and more seamless. Our continued investments in technology and innovation are strengthening operational efficiency while enhancing the overall customer experience. Backed by a resilient business model, a strong balance sheet and clear strategic focus, we remain confident of sustaining our growth momentum and creating long-term value for all stakeholders.”

George Alexander Muthoot, Managing Director, said: "We had an impressive start to the year with our Standalone Loan Assets Under Management reaching a historic high of Rs 1,72,053 crore, driven by robust 44% YoY growth in gold loans of Rs 50,104 crore. reaching Rs 1,63,298 crore. This growth is a testament to our three-pronged strategy to focus on disbursements, operational efficiency, and maintaining healthy margins.

As a result, our Standalone Profit after Tax for Q1FY27 grew by 25% YoY to Rs 2,550 crore. This performance reinforces our leadership in the gold loan segment, supported by our extensive branch network, trusted brand, disciplined execution, and deep customer relationships. We are also witnessing increasing adoption of gold loans as a reliable, accessible and inclusive source of credit across customer segments.

We remain focused on strengthening our digital capabilities to make credit access faster, simpler and more seamless. Our continued investments in technology are enhancing customer experience, improving operational efficiency, and enabling quicker turnaround times. Looking ahead, the outlook for the gold loan industry remains highly encouraging. Gold-backed lending is witnessing unprecedented acceptance across customer segments, driven by growing awareness and the need for timely, secured credit. Reserve Bank of India data also highlights gold loans as one of the fastest-growing segments in retail lending, underscoring the sector's strong structural growth potential.

As this opportunity expands, we are witnessing increased participation from organised players, reflecting the growing attractiveness and long-term potential of the gold loan sector. We welcome this continued evolution of the industry, as it reinforces the increasing adoption of gold-backed lending within the formal financial ecosystem. There is a clear shift in customer behaviour, with gold increasingly being leveraged as a productive financial asset to meet evolving personal and business credit needs, rather than remaining an idle store of value. We believe leadership in this business is built on trust, operational excellence, prudent underwriting and the ability to serve customers consistently across economic cycles.

With our extensive branch network, deep domain expertise and continued investments in digital capabilities, we are well positioned to strengthen our market leadership while making credit access faster, easier and more seamless. We remain confident of sustaining our growth momentum and creating long-term value for all our stakeholders.”

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