The Prestigious Rising Brand of India Awards celebrate organisations that have demonstrated resilience, innovation, and long-term commitment to customers. Muthoottu Mini was recognised for its “Small Gold Loan for Small Needs” campaign, which reinforced the accessibility of gold loans for low-ticket requirements such as education, healthcare, festive expenses, and small businesses. With more than 90% of its customers availing small-ticket loans, the campaign helped break the stigma around gold loans and position them as dignified solutions for everyday aspirations. The company’s multilingual brand initiatives and authentic storytelling further enhanced customer trust and engagement across diverse markets.

Mr. Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd., said, “This recognition as a Prestigious Rising Brand of India 2025 reflects the growing relevance of gold loans in today’s evolving credit landscape. At Muthoottu Mini, we have always believed that financial services must be both inclusive and dignified. This award validates our commitment to enabling millions of Indians, especially in rural and semi-urban markets, to access timely credit that supports their aspirations and growth.”

Adding to this, Mr. P.E. Mathai, Chief Executive Officer, Muthoottu Mini Financiers Ltd., said, “In a financial ecosystem that is undergoing rapid change, trust and transparency are the true differentiators for NBFCs. This recognition reinforces Muthoottu Mini’s position as a customer-first institution with a strong focus on responsible lending and sustainable expansion. We see it as both an honour and a responsibility to continue shaping the gold loan industry with practices that balance growth, governance, and social impact.”

Beyond business, Muthoottu Mini has consistently invested in community development. Its CSR initiatives have impacted thousands of lives, from distributing school kits, umbrellas, and bags to over 25,000 underprivileged children, to supporting farmers with fertilizers and milk containers, and empowering women with sewing machines and bicycles for self-reliance. These initiatives mirror the company’s belief that true prosperity is shared prosperity.

Operationally, Muthoottu Mini continues to enhance customer experience through mobile app services, online gold loan repayment, and instant disbursals. As of June 2025, the company operates through 970+ branches across 10 states and 2 union territories, serving over 3 million customers, supported by a workforce of more than 5,500 employees.

For Q1 FY 26, the company reported a total revenue from operations of ₹225.72 crore, up from ₹185.56 crore in Q1 FY25. Net profit for the quarter stood at ₹30.14 crore, compared to ₹23.52 crore in the same period last year. Assets Under Management (AUM) reached ₹4,477.66 crore as of June 30, 2025, marking an increase from ₹3,524.94 crore in Q1 FY25. The gold loan portfolio accounted for ₹4,153.70 crore representing 92.7% of the total AUM.

Compared to the previous financial year, Muthoottu Mini recorded strong double-digit growth across key metrics. Total revenue from operations rose by 21.64%, net profit surged by 28.15%, and AUM expanded by 27.03% on a year-on-year basis. This continuous growth reflects the company’s ability to deliver sustainable financial performance while strengthening its leadership in the gold loan segment.

Mr. Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd., said, “With the capital markets witnessing positive growth, the gold loan segment has emerged as a vital driver contributing to this momentum. Over the past few years, our focus has been on providing accessible credit options to millions of customers, particularly in rural and semi-urban India. The overall growth we are witnessing today is a reflection of the value-added services we deliver and the trust our customers continue to place in us.”

Mr. P.E. Mathai, Chief Executive Officer, Muthoottu Mini Financiers Ltd., added, “The strong start to FY26 reaffirms our strategic direction. Our focus is not only on growing volumes but also on improving customer lifetime value through technology-led engagement, faster disbursals, and personalized service. As demand patterns evolve, we are well-positioned to capture emerging opportunities and continue building an empire that stands for transparency, reliability, and customer-first values.”

As part of its CSR commitment, Muthoottu Mini continued to support communities through initiatives such as distribution of school kits to underprivileged children, livelihood assistance for farmers, and vocational training for women entrepreneurs. These efforts underline the company’s belief that sustainable growth goes hand in hand with social responsibility.

Operationally, Muthoottu Mini has enhanced customer experience through digital initiatives including mobile app services, online gold loan repayment, and instant loan disbursal. As on June 30, 2025, the company operates through 958 branches across 10 states and 2 Union Territories, serving over 2.5 million customers, and is supported by a workforce of more than 5,500 employees.

Bengaluru, January 21, 2025: Muthoottu Mini Financiers Ltd., one of India’s leading Non-Banking Financial Companies (NBFCs), popularly known as ‘Muthoottu Yellow,’ has reaffirmed its commitment to community welfare by launching an initiative aimed at enhancing educational resources for government schools. This initiative will involve distribution of Library Kits to 150 government schools across Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, and Kerala during the academic year 2024-25.

Bengaluru, October 30, 2024: Muthoottu Mini Financiers Limited (Muthoottu Mini Financiers), has announced the launch of public issue of its secured, Non-Convertible Debentures (“NCDs”) with a face value of INR 1000 each. The issue has a base size of INR 100 crore, with an option to retain oversubscription up to ₹50 crore, aggregating up to ₹150 crore.

The NCD issue opens on 30 October 2024 and will remain open until November 13, 2024, with an option for early closure, as may be decided by the Board of Directors of our Company or the Debenture Committee, subject to approvals in accordance with the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021. The NCDs are proposed to be listed on BSE Limited which is also the designated stock exchange for the issue.

Muthoottu Mini Financiers’ NCDs will be available with effective annualised interest rates ranging from 8.84% to 10.5% depending on the category and tenor chosen. The tenors offered are 450 days, 26 months, 36 months, and 48 months and 66 months. The funds from the issue will be used for onward lending, financing, and for repayment/prepayment of principal and interest on borrowings of the company, and for general corporate purposes.

NCDs have been rated ‘CARE A- Stable’ by CARE Ratings Limited, reflecting an adequate degree of safety and low credit risk.

With its registered office and corporate office in Kochi, Kerala, Muthoottu Mini Financiers offers flexible gold loan schemes that offers to its customers and efficient customer service depending on the individual needs. Its primary product is gold loans, providing a quick and convenient way for individuals to access funds by pledging their gold. In addition to gold loans, Muthoottu Mini also provides various other financial services, including insurance agent services to help customers secure their assets, money transfer services for seamless transactions, and depository participant services. The company also extends microfinance solutions, supporting joint liability group of women entrepreneurs in underserved regions. These products are designed to cater to a broad customer base, especially in rural and semi-urban areas in Kerala.

Muthoottu Mini Financiers currently operates through 920 branches across 10 states and union territories of Delhi and Puducherry, in India, serving to 5,62,188 customers as on September. With a workforce of 4,600+ employees, the company continues to expand its presence, particularly in rural and semi-urban areas. In FY24, Muthoottu Mini had a total AUM of INR 3,522.77 crore and recorded a Profit After Tax (PAT) of INR 77.83 crore. The NCDs are rated CARE A- Stable by CARE Ratings, indicating adequate degree of safety regarding timely servicing of financial obligations and low credit risk.

As of March 31, 2024, Muthoottu Mini Financiers reported a total of 5,57,249 gold loan accounts, primarily from rural and semi-urban areas, amounting to INR 3222.21 crore. This represents approximately 91.47% of its total loans and advances. The yield on its gold loan assets for Fiscal 2024 was at 18.12%.

Over the past three fiscal years, Muthoottu Mini Financiers has demonstrated steady growth in both its Assets Under Management (AUM) and Profit After Tax (PAT). The AUM increased 41% from ₹2,498.60 crore in FY 2022 to ₹3,523 crore in FY 2024, while PAT grew by 68% from ₹ 46.29 crore to ₹77.83 crore during the same period. This growth reflects robust demand for its financial products, efficient cost management, and strong revenue performance, primarily driven by its core gold loan segment. The company has also maintained a Capital Adequacy Ratio (CAR) consistently above the regulatory requirement, standing at 23.86% as of March 31, 2024, reflecting a stable capital structure. Despite slight variations, the Gross Non-Performing Assets (GNPA) remained at 0.61% in FY 2022, 0.43% in FY 2023, and 0.88% in FY 2024.