Muthoot Microfin Limited share price
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, Suvidha, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. The company was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited operates as a subsidiary…Read more
- Market Cap₹ 2,931 Cr.
- Current Price₹ 174.72
- High / Low₹ 263 / 141
- Stock P/E12.0
- Book Value₹ 170
- Dividend Yield0.00 %
- Price / Book1.03
- ROE6.20 %
- Face Value₹ 10.0
More figures (8)
- EPS (TTM)₹ 14.52
- Net margin7.7 %
- Sales growth (3Y)19.5 %
- Profit growth (3Y)1.3 %
- Promoter holding73.4 %
- EV / EBITDA—
- Beta0.70
- All-time high₹ 281
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| MUTHOOTMF | -6.77% | -28.40% | -2.45% | -1.09% | +5.32% | — | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Muthoot Microfin Limited is in the Credit Services industry (Financial Services), with a market value of ₹2,931 crore.
- It trades at 12.0 times its last 12 months' earnings and 1.0 times book value.
- Revenue grew 19.5% a year over the last 3 years, profit 1.3% a year.
- Return on equity was 6.2% in the latest year.
- The share price is 33.5% below its 52-week high and up 5.3% over one year.
- Promoters and insiders hold about 73.4%; institutions about 7.9%.
Pros
AI- Latest quarter (Jun 2026): sales up 20% and profit up 1,215% from a year ago.
Cons
AI- Return on equity has been low: 6.1% on average over the last 3 years.
- Trades at 12.0 times earnings, above its 3-year median of 7.7.
- Institutional (FII + DII) holding has fallen by 4.1 points over 3 years.
- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Muthoot Microfin Limited
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, Suvidha, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. The company was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited operates as a subsidiary of Muthoot Fincorp Limited.
- Employees
- 15,639
- Head office
- Kochi
Peer comparison
Financial ServicesCredit Services
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Muthoot Microfin | 174.72 | 12.0 | 2,931 | 0.00 | 81 | 1,215.30 | 669 | 19.69 | 3.1 | 6.2 | 1.03 | 17.8 | 3.40 | 73.37 | 2,370 | 19.5 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 5,986 | 27.37 | 14,171 | 21.20 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 49,665 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,628 | — | 8,822 | — | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 31,540 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 34 Co. | 328.03 | 15.9 | 30,497 | 0.29 | 2,379 | 38.83 | 7,895 | 21.20 | 3.7 | 12.9 | 1.95 | 33.4 | 4.46 | 61.23 | 26,159 | 18.2 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
No separate related-party filing among the recent announcements of the company.
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|
| 2,270 | 2,562 | 2,370 | 2,480 | |
| YOY Revenue Growth % | 12.84% | -7.50% | ||
| Interest | 883 | 930 | 874 | 911 |
| 820 | 1,923 | 1,297 | 1,269 | |
| Employee Cost % | 20% | 21% | 25% | 25% |
| Fees & Commission % | 1% | 1% | 1% | 1% |
| Credit Cost % | 8% | 41% | 19% | 16% |
| Other Expenses % | 6% | 6% | 8% | 8% |
| Financing Profit | 567 | -292 | 198 | 299 |
| Financing Margin % | 25% | -11% | 8% | 12% |
| Other Income | 15 | 3 | 11 | 10 |
| Depreciation | 35 | 43 | 43 | 43 |
| Profit before tax | 582 | -289 | 209 | 310 |
| 23% | 18% | 21% | ||
| Current tax | 146 | 44 | 7 | |
| Deferred tax | -13 | -110 | 31 | |
| 450 | -223 | 170 | 245 | |
| YOY Profit Growth % | -149.50% | |||
| EPS in Rs | 30.20 | -13.29 | 10.16 | 14.64 |
Compounded Sales Growth
- TTM:
- 1%
Stock Price CAGR
- 1 Year:
- 5%
Return on Equity
- 4 Years:
- 7%
- Last Year:
- 6%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 140 | 167 | 168 | 168 |
| Reserves | 1,486 | 2,637 | 2,465 | 2,687 |
| 6,623 | 8,589 | 8,101 | 9,707 | |
| Long term borrowings | 2,765 | 3,300 | 3,366 | 4,269 |
| Short term borrowings | 3,728 | 5,125 | 4,560 | 5,278 |
| 280 | 197 | 123 | 123 | |
| Trade payables | 24 | 19 | 17 | |
| Current liabilities | 4,023 | 5,334 | 4,697 | 5,421 |
| Total Liabilities | 8,529 | 11,590 | 10,857 | 12,685 |
| 154 | 192 | 222 | 199 | |
| Gross block | 190 | 241 | 288 | 279 |
| Accumulated depreciation | 36 | 49 | 66 | 80 |
| Goodwill & intangibles | 0 | 0 | 0 | 0 |
| 8,375 | 11,399 | 10,635 | 12,486 | |
| Trade receivables | 15 | 19 | 12 | |
| Cash & equivalents | 759 | 928 | 697 | 701 |
| Current assets | 5,379 | 7,660 | 6,631 | 7,123 |
| Total Assets | 8,529 | 11,590 | 10,857 | 12,685 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -2,333 | -1,272 | 1,382 | -580 | |
| Profit for the year | 164 | 450 | -223 | 170 |
| Working capital changes | -2,670 | -2,614 | -262 | -2,077 |
| Direct taxes paid | -34 | -124 | -111 | 37 |
| -180 | -225 | -128 | -41 | |
| Fixed assets purchased | -28 | -28 | -21 | -11 |
| Fixed assets sold | 0 | 0 | ||
| Investments purchased | -160 | -4,469 | -4,974 | -4,239 |
| Investments sold | 8 | 4,271 | 4,862 | 4,199 |
| 2,567 | 1,671 | -1,485 | 626 | |
| Proceeds from borrowings | 4,549 | 4,795 | 5,753 | 8,188 |
| Repayment of borrowings | -2,429 | -3,551 | -6,261 | -6,694 |
| Interest paid | -821 | -943 | -857 | |
| Net Cash Flow | 54 | 174 | -230 | 4 |
| Free Cash Flow | -2,361 | -1,299 | 1,361 | -591 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| ROE | 10.1% | 20.3% | -8.2% | 6.2% |
| Net margin | 12.7% | 22.7% | -9.2% | 7.7% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 55.47%
- FIIs 23.19%
- DIIs 3.08%
- Public 16.67%
| % | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% | 55.47% |
| 27.60% | 26.28% | 26.55% | 25.86% | 25.80% | 25.47% | 23.41% | 23.26% | 23.18% | 22.82% | 23.12% | 23.19% | |
| Foreign portfolio investors (Cat. I) | 4.52% | 2.98% | 3.11% | 2.30% | 2.21% | 2.04% | 0.53% | 0.44% | 0.40% | 0.05% | 0.21% | 0.41% |
| Foreign portfolio investors (Cat. II) | 0.31% | 0.54% | 0.68% | 0.79% | 0.82% | 0.66% | 0.11% | 0.05% | 0.01% | 0.14% | 0.02% | |
| 2.81% | 2.35% | 2.29% | 2.58% | 2.44% | 2.32% | 2.48% | 2.84% | 3.02% | 3.51% | 3.38% | 3.08% | |
| Mutual funds | 0.02% | 0.03% | 0.08% | 0.05% | 0.04% | |||||||
| Insurance companies | 2.66% | 2.33% | 2.25% | 2.49% | 2.38% | 2.31% | 2.30% | 2.57% | 2.79% | 3.26% | 3.28% | 3.04% |
| Banks | 0.14% | |||||||||||
| Alternative investment funds | 0.18% | 0.26% | 0.23% | 0.20% | 0.09% | 0.03% | ||||||
| 12.10% | 14.01% | 13.94% | 14.37% | 14.56% | 15.05% | 16.95% | 16.74% | 16.64% | 16.61% | 16.44% | 16.67% | |
| Retail (up to ₹2 lakh) | 9.83% | 10.96% | 10.60% | 10.58% | 11.03% | 11.26% | 12.46% | 11.97% | 11.48% | 11.42% | 10.71% | 11.07% |
| HNIs (above ₹2 lakh) | 0.47% | 0.92% | 1.03% | 1.50% | 1.15% | 1.52% | 1.86% | 2.05% | 2.29% | 2.23% | 2.94% | 2.56% |
| NRIs | 0.10% | 0.21% | 0.34% | 0.41% | 0.46% | 0.40% | 0.44% | 0.55% | 0.64% | 0.65% | 0.56% | 0.65% |
| Bodies corporate | 0.91% | 1.01% | 1.04% | 0.98% | 1.03% | 0.98% | 1.22% | 1.24% | 1.28% | 1.32% | 1.31% | 1.47% |
| No. of Shareholders | 2,15,098 | 1,86,088 | 1,70,261 | 1,62,575 | 1,61,655 | 1,58,976 | 1,58,221 | 1,52,290 | 1,45,494 | 1,40,500 | 1,36,798 | 1,33,101 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Documents
Announcements
- General UpdatesMuthoot Microfin Limited has informed the Exchange about General Updates15-Oct-2026
- General UpdatesMuthoot Microfin Limited has informed the Exchange about Key Business Update for Quarter ended September 30, 202608-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Muthoot Microfin Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201806-Oct-2026
- UpdatesMuthoot Microfin Limited has informed the Exchange regarding 'Compliance under Regulation 6(1) and 7(1) of SEBI (LODR) 2015'.06-Oct-2026
- Structural Digital DatabaseStructural Digital Database06-Oct-2026
- Trading WindowMuthoot Microfin Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201525-Sep-2026
- General UpdatesMuthoot Microfin Limited has informed the Exchange about General Updates15-Sep-2026
- Press ReleaseMuthoot Microfin Limited has informed the Exchange regarding a press release dated September 15, 2026, titled "Muthoot Microfin Secures ₹250 Crore Through NCDs to DriveGrowt…15-Sep-2026
- Allotment of SecuritiesMuthoot Microfin Limited has informed the Exchange regarding allotment of 250000 securities pursuant to Non Convertible Securities at its meeting held on September 08, 202608-Sep-2026
- Issue of SecuritiesMuthoot Microfin Limited has informed the Exchange about issue of Securities28-Aug-2026
- Committee Meeting UpdatesMuthoot Microfin Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 28, 2026.28-Aug-2026
- Committee Meeting UpdatesMuthoot Microfin Limited has informed the Exchange regarding Committee Meeting to be held on August 28, 2026.25-Aug-2026
Annual reports
Credit ratings
- Credit RatingMuthoot Microfin Limited has informed the Exchange about Credit Rating09-Jun-2026
- Credit Rating- NewMuthoot Microfin Limited has informed the Exchange about Credit Rating- New23-Oct-2025
- Credit Rating- OthersMuthoot Microfin Limited has informed the Exchange about Credit Rating- Others26-Sep-2025
Concalls & investor meets
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet08-Sep-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet24-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet17-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Transcript12-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Link of recordings07-Aug-2026
- Investor PresentationMuthoot Microfin Limited has informed the Exchange about Investor Presentation06-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet30-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet29-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of Investor meeting on 22nd June 202616-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesMuthoot Microfin Limited has informed the Exchange about Schedule of meet02-Jun-2026
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 1 Jan 1970
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
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Latest news
In the news
From the company (NSE)
- General UpdatesMuthoot Microfin Limited has informed the Exchange about General UpdatesNSE filing · 15-Oct-2026
- General UpdatesMuthoot Microfin Limited has informed the Exchange about Key Business Update for Quarter ended September 30, 2026NSE filing · 08-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Muthoot Microfin Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 06-Oct-2026
- UpdatesMuthoot Microfin Limited has informed the Exchange regarding 'Compliance under Regulation 6(1) and 7(1) of SEBI (LODR) 2015'.NSE filing · 06-Oct-2026
- Structural Digital DatabaseStructural Digital DatabaseNSE filing · 06-Oct-2026
- Trading WindowMuthoot Microfin Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015NSE filing · 25-Sep-2026
- General UpdatesMuthoot Microfin Limited has informed the Exchange about General UpdatesNSE filing · 15-Sep-2026
- Press ReleaseMuthoot Microfin Limited has informed the Exchange regarding a press release dated September 15, 2026, titled "Muthoot Microfin Secures ₹250 Crore Through NCDs to DriveGrowt…NSE filing · 15-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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