• Muthoot Finance reported a consolidated profit after tax of Rs 5,352 crore
• The company expanded its branch network to 7,391
• Muthoot's subsidiaries also performed well, with significant increases in loan AUM and profits

Muthoot Finance, India's gold loan Non-banking finance company (NBFC) posted a consolidated profit after tax (PAT) of Rs 5,352 crore, up 20 per cent over the year gone by. Its consolidated loan assets under management (AUM) rose by 37 per cent year-on-year to Rs 1,22,181 crore as of 31 March 2025.

The standalone performance was also robust, with loan AUM increasing 43 per cent year-on-year to Rs 1,08,648 crore. The standalone PAT was Rs 5,201 crore, up 28 per cent. One of the milestones reached during the year was reaching Rs 1,02,956 crore in gold loan AUM a 41 per cent increase. Muthoot gave out Rs 21,888 crore of gold loans to almost 18 lakh new borrowers during the year, another record for the company.

George Jacob Muthoot, MD of Muthoot Finance, stated that the company witnessed a year of reinvention, with digital growth and diversification into non-gold loan segments. "Our consolidated loan AUM crossed the historic mark of Rs 1 lakh crore. We continue to be proud of our industry leadership in the gold loan segment while successfully capitalizing on growth opportunities in housing, microfinance, and personal and small business loans," he added.

George Alexander Muthoot, Managing Director, said that the company’s digital initiatives and omnichannel strategy have enabled it to reach a broader customer base, particularly those transitioning from cash-based transactions to digital platforms.

The company added 850 new branches in FY25, bringing its branch network to 7,391. The iMuthoot mobile app reached 1.5 crore downloads, indicating robust digital adoption. The company also announced a record dividend of 260 per cent (Rs 26 per equity share), and its interest collections reached an all-time high of Rs 15,586 crore. Muthoot is currently holding 208 tonnes of gold jewellery as collateral, the highest ever in its history.

The firm also got upgraded credit ratings from foreign agencies. Muthoot's long-term issuer credit rating was upgraded by S&P Global Ratings to 'BB+/B' from 'BB/B' with a stable outlook, while Moody's upgraded its rating to 'Ba1' from 'Ba2' with a stable outlook.

Muthoot's subsidiaries also put up good performances. Muthoot Homefinance  loan AUM increased 47 per cent to Rs 2,985 crore, with PAT increasing 114 per cent to Rs 39 crore. Muthoot Money saw an AUM increasing 248 per cent to Rs 3,903 crore and PAT of Rs 12 crore. In Sri Lanka, Asia Asset Finance recorded a 52 per cent increase in loan AUM and 28 per cent increase in PAT.

In spite of a tough year for the microfinance industry, Belstar Microfinance reported PAT of Rs 46 crore and grew its branch network to 1,281 outlets. The company's digital solutions such as MapMyIndia for geo-tagging and Ki Score for credit scoring are assisting in enhancing customer targeting and loan quality.