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.

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Kochi, 02 April 2025: Muthoottu Mini Financiers Ltd., one of India’s leading NBFCs popularly known as Muthoottu Yellow, today announced that ICRA Ratings has assigned a credit rating of [ICRA] ‘A Stable’ for its Long term borrowings. The company’s long term facilities were earlier rated as CARE A-; Stable and IND A-/ Stable respectively by CARE Ratings Limited and India Ratings and Research Private Limited. The upgrade in rating from a forefront credit rating agency like ICRA Ratings Limited reflects MMFL’s consistent financial performance, robust asset quality, and scalable operations across India.

During the first nine months of the financial year, from April-December 2024, the company reported strong financial growth, with PBT rising by 20.50% to ₹103.84 crore from ₹86.18 crore in the same period last year. Profit After Tax (PAT) during the same period also saw a significant increase of 24.35%, reaching ₹74.66 crore compared to ₹60.04 crore in the previous year. Additionally, the company maintained a robust asset quality, with Net NPA at a low level of 0.77% during the period, highlighting its robust risk management framework.

Muthoottu Mini Financiers’ Assets Under Management (AUM) – is expected to reach ₹4,200 crore by the end of the FY25, reflecting the company’s steady growth while balancing expansion and risk management responsibly.

Mr. Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd., stated, “The ICRA rating upgrade is a testament to our commitment and focus on financial prudence and sustainable growth. Our performance in Q3 FY25, marked by robust revenue and profitability metrics, underscores our ability to deliver value even in dynamic market conditions. We remain committed to expanding our reach while ensuring operational excellency.”

Mr. P.E Mathai, CEO, Muthoottu Mini Financiers Ltd added “The significant growth of PAT and improvement in PBT reflect our operational efficiency and strategic investments in technology and talent. The credit rating upgrade by ICRA further validates our financial stability and disciplined approach to growth. As we deepen our presence in Tier 2 and Tier 3 cities, maintaining asset quality and customer trust remains paramount.”

MMFL’s network spans 948 branches across 12 states, including Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Haryana, Maharashtra, Gujarat, Delhi, Uttar Pradesh, Goa, and Puducherry. Supported by over 5,000 employees, the company continues to bridge financial inclusion gaps in underserved regions.

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