)
Visual
test
Muthoot Finance
Muthoot Finance (MUTHOOTFIN) investor relations material
Muthoot Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary13 Nov, 2025
Executive summary
Consolidated loan AUM reached ₹1,47,673 crore for H1 FY26, up 42% YoY, with standalone loan AUM up 47% and gold loan AUM up 45% YoY.
Consolidated PAT rose 74% YoY to ₹4,386 crore for H1 FY26; standalone PAT increased 88% to ₹4,391 crore.
Fitch upgraded international credit rating to 'BB+' with a stable outlook.
Subsidiaries showed strong growth: Muthoot Homefin AUM up 33%, Muthoot Money AUM up 182%, Asia Asset Finance AUM up 48%.
Upgraded FY26 gold loan growth guidance from 30% to 35% due to favorable regulatory changes and higher gold prices.
Financial highlights
Standalone total income for H1 FY26 was ₹12,181 crore, up 55% YoY; consolidated interest income was ₹1,33,793 Mn, up 47% YoY.
Gold loan disbursement to new customers was ₹13,183 crore to 8,90,920 customers; gold held as security increased to 209 tonnes.
Muthoot Homefin AUM at ₹3,247 crore (33% YoY growth), PAT at ₹10 crore.
Belstar Microfinance AUM at ₹7,717 crore, revenue ₹840 crore, loss narrowed to ₹32 crore in Q2; GNPA at 4.58%.
Muthoot Money Limited loan portfolio up 182% to ₹6,393 crore, PAT at ₹106 crore.
Outlook and guidance
FY26 gold loan growth guidance raised to 35% on the back of regulatory tailwinds and higher gold prices.
Non-gold loan portfolio (including personal and microfinance) constitutes 12%-15% of consolidated loans, with plans for further expansion.
Focus on leveraging digital initiatives and expanding rural and semi-urban reach.
Microfinance sector expected to stabilize over the next two quarters, with growth resuming thereafter.
Cost of funds expected to decline by 15-20 basis points over the next two quarters.
Belstar Microfinance: Q2 loss reduction drivers?
Muthoot Money: Impact of Rs 500 Cr equity?
Drivers for upgraded FY26 gold loan guidance?
Belstar's profitability and growth outlook?
What is the sustainable core yield expectation?
Strategy for new RBI LTV norms (<INR 2.5L)?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebPECO
2026 FFO per share growth guided at 5.5% with record occupancy and robust acquisitions. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position.
Next Muthoot Finance earnings date
Q3 25/2611 Feb, 2026
Muthoot Finance
Next Muthoot Finance earnings date
Q3 25/2611 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Muthoot Finance Ltd is a non-banking financial company primarily offering gold loans secured against household gold jewelry. It also provides other financial services including money transfer, insurance, and wealth management. The company is headquartered in Kochi, India, and its shares are listed on the NSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage