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Muthoot Mcred limited
Muthoot MCred Limited (erstwhile Muthoottu Mini Financiers Limited), founded in 1998, has been actively involved in the gold loan segment for an extended period. As of Sept 2025, it had a presence in 12 states and Union Territories through 973 branches. Additionally, the company has a small presence in the microfinance sector in Kerala, offering unsecured loans to women's joint liability groups. The gold loan segment accounted for 93.2% of the total loan portfolio as of Sept 2025.
Sector Focus
Finance (NBFC)
Highest Credit Rating
A Stable by ICRA
Listing (Debt)
BSE
Date of NBFC License by RBI
2002
Business & Products
Lending- Gold Loan, Micro Finance, Insurance, Money Transfer, NCD & Wealth Management
Promoter
Mrs. Nizzy Mathew
Mr. Mathew Muthoottu
Key Management Personnel
Mrs. Nizzy Mathew
Chairperson & Wholetime Director
Mr. Mathew Muthoottu
Managing Director
Bonds issued by Muthoot Mcred limited
Financial Performance
| Particulars | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1089.82 | 769.79 | 685.78 |
| REVENUE | 1113.20 | 815.14 | 671.83 |
| PAT | 176.90 | 94.17 | 77.83 |
| CRAR% | 18.12 | 21.4 | 23.9 |
| GNPA% | 0.62 | 0.89 | 0.93 |
| NNPA% | 0.26 | 0.53 | 0.75 |
| GEARING (times) | 5.39 | 5.1 | 5.1 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| ICRA | A | Stable | as on 18th February, 2026 |
Top Lenders to Muthoot Mcred limited
Utkarsh Small Finance Bank
Standard Chartered Bank
Karur Vysya Bank
Jana Small Finance Bank
IDFC FIRST Bank
Strength
Long track record of operations
Comfortable asset quality
Adequate capitalisation profile
Steadily improving earnings performance with further scope for improvement
Weakness
Moderate scale; highly competitive gold loan business
Geographically concentrated operations
News & Announcement
Important Links
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Muthoot Mcred Limited
