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Muthoot Fincorp Limited
Muthoot Fincorp Limited (MFL) is part of the Muthoot Pappachan Group (MPG) founded in 1887, and is a prominent player in India's financial services sector. MFL is a Non-Banking Finance Company-Micro Finance Institution (NBFC-MFI), registered with the RBI.
Sector Focus
Finance (NBFC)
Highest Credit Rating
AA- Stable by CRISIL
Listing (Debt)
BSE
Date of NBFC License by RBI
2002
Business & Products
Lending- Gold Loan, Home Loan, Business Loan, Auto Loan
Promoter
Mr. Thomas John Muthoot
Chairman & MD
Mr. Thomas George Muthoot
Mr. Thomas Muthoot
Executive Director & CFO
Key Management Personnel
Mr. Thomas Muthoot
Executive Director & CFO
Mr. Shaji Varghese
CEO, Ex Director Cholamandalam Home Finance
Harvard Business School alumnus
Mr. Thomas John Muthoot
Chairman & MD
Bonds issued by Muthoot Fincorp Limited
Financial Performance
| Particulars | FY25 (₹ in cr) | FY24 (₹ in cr) | FY23 (₹ in cr) |
|---|---|---|---|
| NNPA% | 1.28 | 0.64 | 0.58 |
| NET WORTH | 4506 | 4261 | 3893 |
| CRAR% | 15.85 | 20 | 20.1 |
| PAT | 787.15 | 562.80 | 459.81 |
| REVENUE | 5550.52 | 4015.77 | 3491.26 |
| GNPA% | 1.98 | 1.62 | 2.11 |
| GEARING | 5.1 | 4.5 | 4.2 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CRISIL LIMITED | AA- | Stable | -- |
Top Lenders to Muthoot Fincorp Limited
State Bank of India
Punjab National Bank
IDFC FIRST Bank Limited
Bank of Maharashtra
Canara Bank
IndusInd Bank Limited
Bank of Baroda
DBS Bank Limited
Strength
Established market position in gold financing, supported by the extensive experience of the promoters
Diversified product profile of the MPG
Improvement in capitalization with the recent infusion
Healthy asset quality in the gold loan segment to support overall group asset quality
Improving earnings profile
Strong Liquidity
Weakness
Geographical concentration in portfolio
Potential challenges associated with the non-gold loan segments
Source:
LinkNews & Announcement
Important Links
Source:
Investor Presentation , Information Memorandum & Rating Rational of Muthoot Fincorp Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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