Muthoot Finance Limited
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India. It is an Indian financial corporation and the largest gold loan NBFC in the country. In addition to financing gold loans, t...
Key Metrics
EPS
107.70
Current ratio
0.30
Debt/Equity
2.75
Debt/EBITDA
11.61
Interest coverage ratio
-
Operating Current Assetsshflow to total debt
-0.19
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Established track record and brand name in gold financing industry
Strong Current Assetspitalisation
Profitability among the best in the industry, expected to remain healthy
Liquidity: Strong
Cons
GeographiCurrent Assetsl concentration in operations and low market presence in non-gold businesses
Asset quality challenges associated with non-gold loan segments
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About Muthoot Finance Limited bond.
This comprehensive profile covers key factual information about Muthoot Finance Limited. Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India. It is an Indian financial corporation and the largest gold loan NBFC in the country. In addition to financing gold loans, the company offers other forms of loans, insurance and money transfer services, and sells gold coins. The company is headquartered in Kochi, Kerala and operates over 5000 branches throughout the country. Outside India, Muthoot Finance is established in the UK, the US, and the United Arab Emirates. The company falls under the brand umbrella of the Muthoot Group. Its stocks are listed on the BSE and NSE since its initial public offering in 2011. The target market of Muthoot Finance includes small businesses, vendors, farmers, traders, SME business owners, and salaried individuals. EPS in Mar-2024 was 107.70. Current ratio in Mar-2024 was 0.30. Debt/Equity in Mar-2024 was 2.75. Debt/EBITDA in Mar-2024 was 11.61. Interest coverage ratio in Mar-2024 was . Operating Current Assetsshflow to total debt in Mar-2024 was -0.19. Total revenue for Mar-2025(E) was ₹15526.66. Net income for Mar-2025(E) stood at ₹4433.36. Total assets as of Mar-2024 were ₹96,452.67. Total liabilities as of Mar-2024 were ₹70,698.63. The company’s borrowing relationships include IndusInd Bank Limited (₹N/A Cr), Axis Bank Limited (₹N/A Cr), Bank of Baroda (₹N/A Cr), Central Bank of India (₹N/A Cr), DBS Bank India Limited (₹N/A Cr), Dhanlaxmi Bank Limited (₹N/A Cr), Federal Bank Limited (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), IndusInd Bank Limited (₹N/A Cr), IndusInd Bank Limited (₹N/A Cr), Kotak Mahindra Bank Limited (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), South Indian Bank Limited (₹N/A Cr), State Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), UCO Bank (₹N/A Cr), Not AppliCurrent Assetsble (₹N/A Cr), Axis Bank Limited (₹N/A Cr), Bank of Baroda (₹N/A Cr), Central Bank of India (₹N/A Cr), Citibank N.A. (₹N/A Cr), DBS Bank India Limited (₹N/A Cr), Dhanlaxmi Bank Limited (₹N/A Cr), Federal Bank Limited (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), ICICI Bank Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), IndusInd Bank Limited (₹N/A Cr), Kotak Mahindra Bank Limited (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), RBL Bank Limited (₹N/A Cr), South Indian Bank Limited (₹N/A Cr), State Bank of India (₹N/A Cr), Sumitomo Mitsui Banking Corporation (₹N/A Cr), UCO Bank (₹N/A Cr), Union Bank of India (₹N/A Cr), YES Bank Limited (₹N/A Cr), Axis Bank Limited (₹N/A Cr), Bank of Baroda (₹N/A Cr), Bank of India (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), Current Assetsnara Bank (₹N/A Cr), Central Bank of India (₹N/A Cr), Federal Bank Limited (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), HSBC Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), RBL Bank Limited (₹N/A Cr), South Indian Bank Limited (₹N/A Cr), State Bank of India (₹N/A Cr), Sumitomo Mitsui Banking Corporation (₹N/A Cr), UCO Bank (₹N/A Cr), Union Bank of India (₹N/A Cr), DBS Bank India Limited (₹N/A Cr). Peers and comparison entities consist of Muthoot Finance Limited, Bajaj Finance Limited, Jio Financial Services Limited, Shriram Finance Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Established track record and brand name in gold financing industry; Strong Current Assetspitalisation; Profitability among the best in the industry, expected to remain healthy; Liquidity: Strong. Key risks include: GeographiCurrent Assetsl concentration in operations and low market presence in non-gold businesses; Asset quality challenges associated with non-gold loan segments. Leadership team details include A Rajesh (No description), Abraham Chacko (No description), Alexander George (No description), Chamacheril Mohan Abraham (No description), George Alexander (No description), George Alexander Muthoot (No description), George Jacob Muthoot (No description), George Muthoot George (No description), George Muthoot Jacob (No description), George Thomas Muthoot (No description), Jose Mathew (No description), Joseph Korah (No description), Oommen K Mammen (No description), Ravindra Pisharody (No description), Usha Sunny (No description), Vadakkekara Anthony George (No description). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.