Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Muthoot Microfin Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 444 | 479 | 564 | 577 | 643 | 663 | 662 | 681 | 555 | 559 | 576 | 603 | 632 |
| Interest | 168 | 194 | 221 | 232 | 231 | 234 | 237 | 237 | 222 | 210 | 211 | 222 | 232 |
| Expenses + | 146 | 150 | 189 | 208 | 227 | 273 | 334 | 428 | 845 | 333 | 318 | 304 | 300 |
| Financing Profit | 130 | 135 | 153 | 137 | 185 | 156 | 91 | 15 | -512 | 16 | 47 | 77 | 101 |
| Financing Margin % | 29% | 28% | 27% | 24% | 29% | 24% | 14% | 2% | -92% | 3% | 8% | 13% | 16% |
| Other Income + | 4 | 1 | 2 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | 1 | 3 | 7 |
| Depreciation | 7 | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 10 | 11 |
| Profit before tax | 126 | 128 | 147 | 130 | 177 | 147 | 81 | 5 | -522 | 6 | 37 | 69 | 97 |
| Tax % | 25% | 25% | 25% | 4% | 32% | 23% | 24% | 25% | -23% | -7% | 18% | 10% | 27% |
| Net Profit + | 95 | 96 | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 | 62 | 71 |
| EPS in Rs | 8.09 | 8.19 | 9.38 | 7.31 | 7.02 | 6.64 | 3.61 | 0.22 | -23.53 | 0.36 | 1.79 | 3.66 | 4.17 |
| Gross NPA % | 2.75% | 3.03% | 4.84% | 4.85% | 4.61% | 4.40% | |||||||
| Net NPA % | 0.51% | 0.34% | 1.34% | 1.58% | 1.41% | 1.34% |
Financials of Muthoot Microfin Ltd
Annual income statement trend
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue + | 748 | 860 | 684 | 833 | 1,429 | 2,249 | 2,562 | 2,370 |
| Interest | 234 | 291 | 299 | 340 | 549 | 866 | 930 | 874 |
| Expenses + | 243 | 543 | 369 | 417 | 658 | 772 | 1,880 | 1,254 |
| Financing Profit | 271 | 27 | 16 | 75 | 222 | 611 | -248 | 241 |
| Financing Margin % | 36% | 3% | 2% | 9% | 16% | 27% | -10% | 10% |
| Other Income + | 2 | 6 | 12 | 10 | 17 | 6 | 2 | 11 |
| Depreciation | 3 | 14 | 19 | 21 | 27 | 35 | 43 | 43 |
| Profit before tax | 271 | 20 | 9 | 65 | 213 | 582 | -289 | 209 |
| Tax % | 26% | 8% | 22% | 27% | 23% | 23% | -23% | 18% |
| Net Profit + | 201 | 18 | 7 | 47 | 164 | 450 | -223 | 170 |
| EPS in Rs | 17.63 | 1.59 | 0.62 | 4.15 | 14.03 | 26.37 | -13.05 | 9.99 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Muthoot Microfin Ltd
Capital structure and asset base
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 114 | 114 | 114 | 114 | 117 | 167 | 168 | 168 |
| Reserves | 772 | 793 | 776 | 1,203 | 1,486 | 2,637 | 2,465 | 2,687 |
| Borrowing | 2,451 | 2,997 | 3,094 | 4,107 | 6,646 | 8,589 | 8,101 | 9,707 |
| Other Liabilities + | 193 | 187 | 200 | 167 | 280 | 197 | 123 | 123 |
| Total Liabilities | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 | 12,685 |
| Fixed Assets + | 21 | 109 | 110 | 121 | 172 | 215 | 223 | 199 |
| CWIP | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 63 | 47 | 354 | 406 |
| Other Assets + | 3,509 | 3,983 | 4,074 | 5,470 | 8,294 | 11,329 | 10,280 | 12,080 |
| Total Assets | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 | 12,685 |
Financials of Muthoot Microfin Ltd
Operating, investing and financing cash movement
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -602 | 114 | -704 | -1,084 | -2,333 | -1,272 | 1,382 | -580 |
| Cash from Investing Activity + | -6 | -66 | -38 | -74 | -180 | -225 | -128 | -41 |
| Cash from Financing Activity + | 707 | 463 | 80 | 1,344 | 2,567 | 1,671 | -1,485 | 626 |
| Net Cash Flow | 99 | 511 | -662 | 187 | 54 | 174 | -230 | 4 |
| Free Cash Flow | -613 | 91 | -712 | -1,095 | -2,361 | -1,299 | 1,361 | -591 |
| CFO/OP | -105% | 49% | -222% | -248% | -298% | -78% | 219% | -55% |
Financials of Muthoot Microfin Ltd
Working capital efficiency and return ratios
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 23% | 2% | 1% | 4% | 11% | 20% | -8% | 6% |