Muthoot Microfin Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Muthoot Microfin reported Q1 FY27 disbursement of Rs 2,644 crore, its highest ever first-quarter figure, and management said collection efficiency reached around 98% with X-Bucket collection at 99.9%. The company reduced its cost of funds from 10.27% to 10.13% during the quarter and received a rating upgrade to AA- from CRISIL. Management revised its full-year AUM growth guidance upward to 20% and said credit cost improved to 2.6%, below the lower end of its earlier guidance range.
Muthoot Microfin unveiled Vision 3030, targeting INR30,000 crores AUM by 2030 through diversification from a JLG-only model to individual loans, gold loans and LAP. For FY26, the company reported AUM of INR14,005 crores, a Q4 profit of INR71 crores, and improvements in collection efficiency, GNPA and cost of funds compared to the prior year. Management discussed underwriting technology, funding diversification, and answered analyst questions on yields, credit cost, leverage, and geographic strategy.