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MUTHOOTFIN — MUTHOOT FINANCE LIMITED

Structural concernsHeavy debt load

Price History

Data as of 26 Jun 2026· via fincrux

How MUTHOOTFIN has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Middle of its 12-month range34% of range

Sitting roughly mid-way between its 12-month high and low — neither cheap nor stretched versus its own recent history. It sits below its 200-day average, the longer-term trend.

₹2,489 low₹4,057 high
vs 50-day avg
−8.7%
vs 200-day avg
−11.4%
Beginner mode
Plain English, with everything explained

MUTHOOTFIN

NSE

MUTHOOT FINANCE LIMITED

Financials / NBFC

₹3,025.60
0.00%
last close
0%
Quality Score
Several red flagsBig money buying

MUTHOOT FINANCE LIMITED clears only 1 of 3 checks. The numbers flag real concerns — exactly the kind of thing that gets lost in exciting news or social-media buzz. Tread carefully.

Company size
₹125503.00 Cr
Price tag
12.4×
Money it earns
23.0%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Divergent

The company leans heavily on borrowed money, which adds risk if conditions worsen.

D/E 3.67goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Aligned

It turns its money into healthy profits year after year. A hallmark of a quality business.

ROE 23.0%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Watch

Big investors are roughly holding their position, neither rushing in nor out.

FII+DII 22.7%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What MUTHOOTFIN owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings49,81149,73458,78389,8201.38L
Equity Capital401401401401401
Reserves17,94320,66023,88928,03637,341
Total Assets70,55572,62085,0281.21L1.80L
Total Liabilities70,55572,62085,0281.21L1.80L

Loan book expanding

Borrowings have grown over the retained years. For a bank or lender that's the raw material of the business, so judge it alongside profitability, not on its own.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for MUTHOOTFIN — does it earn money consistently?

Potential turnaroundPotential turnaround (pattern in the data)

Profit dipped in the middle years and has been recovering in the most recent ones. That's a pattern in the data, not a forecast.

₹3,954 Cr
₹3,474 Cr
₹4,050 Cr
₹5,201 Cr
₹10,134 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹11,082 Crrev ₹10,515 Crrev ₹12,635 Crrev ₹17,099 Crrev ₹27,558 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about MUTHOOTFIN — observations, not recommendations.

Strengths

3
  • Turns owners' money into healthy profits, year after year.
  • Large professional investors have been holding steady or adding to their stake.
  • Recent results show a return to profit after weaker years — a turnaround pattern in the data.

Risks

1
  • Leans heavily on borrowed money, which adds risk if conditions worsen.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
12.3%+1.5 pp
DII· Domestic institutions
10.4%-1.8 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / NBFC score on the same four guardrails.

  • BAJAJFINSVBAJAJ FINSERV LTD.100
  • BAJFINANCEBAJAJ FINANCE LIMITED69
  • CHOLAFINCHOLAMANDALAM IN & FIN CO69
  • SHRIRAMFINSHRIRAM FINANCE LIMITED69
  • PFCPOWER FIN CORP LTD.69
View the full sector