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Muthoot Housing Finance Company Limited
Muthoot Housing Finance Company Limited (MHFCL) is a dedicated affordable housing finance company. Promoted by the reputable Muthoot Pappachan Group (MPG – Muthoot Blue), it is registered with the RBI and serves as the group's flagship company.
Sector Focus
Finance (NBFC)
Highest Credit Rating
AA- Stable by CRISIL
Listing (Debt)
BSE
Date of NBFC License by RBI
2010
Business & Products
Home Loan, Improvement Loan, Construction Loan, Resale Loan, LAP
Promoter
Muthoot Fincorp Limited
Key Management Personnel
Mr. Thomas John Muthoot
Group Chairman & Director
Mr. Pavan K Gupta
CEO
CFA, Ex- SBI Home Finance Ltd, BHW Birla Home Finance Ltd
Mr. Yogesh Udhoji
CFO
CA, Ex- Asirvad Micro Finance, Easy Home Finance, Aadhar Housing Finance and Tata Capital Limited
Bonds issued by Muthoot Housing Finance Company Limited
Financial Performance
| Particulars | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| AUM | 3254 | 2557 | 2070 |
| NET WORTH | 450.16 | 390.16 | 322.71 |
| REVENUE | 497.63 | 401.36 | 293 |
| PAT | 35.28 | 42.40 | 35 |
| GNPA% | 2.32 | 1.29 | 0.79 |
| NNPA % | 1.84 | 0.72 | 0.32 |
| CAR% | 23.22 | 29.64 | 23.19 |
| GEARING (times) | 5.9 | 5.8 | 5.6 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CRISIL LIMITED | AA- | Stable | as on 19th June, 2026 |
Top Lenders to Muthoot Housing Finance Company Limited
State Bank of India
National Housing Bank
Punjab National Bank
Union Bank of India
Canara Bank
Bank of Maharashtra
LIC Housing FinanceLimited
Indian Bank
Strength
Strategic importance to, and expected strong support from, the parent
Adequate capitalization
Weakness
Moderate asset quality
Average earnings profile
Improving, yet moderate scale of operations
Important Links
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Muthoot Housing Finance Company Limited
