5 Year financials & Key metrics

Financial Results

Financial Results Q4 FY 2023-24

download Download

Financial Results Q3 FY 2023-24

download Download

Financial Results Q2 FY 2023-24

download Download

Financial Results Q1 FY 2023-24

download Download

Financial Results Q4 FY 2022-23

download Download

Financial Results Q3 FY 2022-23

download Download

Financial Results Q2 FY 2022-23

download Download

Financial Results Q1 FY 2022-23

download Download

Financial Results Q4 FY 2021-22

download Download

Financial Results Q3 FY 2021-22

download Download

Financial Results Q2 FY 2021-22

download Download

Financial Results Q4 FY 2020-21

download Download

Financial Results Q2 FY 2020-21

download Download

Financial Results Q4 FY 2019-20

download Download

Financial Results Q2 FY 2019-20

download Download

Financial Results Q4 FY 2018-19

download Download

Financial Results Q2 FY 2018-19

download Download

Financial Results Q4 FY 2017-18

download Download

Financial Results Q2 FY 2017-18

download Download

Financial Results Q4 FY 2016-17

download Download

Related Documents

Filter by year

Annual Reports

Annual Report FY 2022-23

download Download

Annual Report FY 2021-22

download Download

Annual Report FY 2020-21

download Download

Annual Report FY 2019-20

download Download

Annual Report FY 2018-19

download Download

Annual Report FY 2017-18

download Download

Annual Report FY 2016-17

download Download

Annual Report FY 2015-16

download Download

Related Documents

Filter by year

2023-2024

AGM Notice 2024

Annual Report

Annual Return

AGM Transcript

2022-2023

AGM Notice 2023

Annual Report

Annual Return

2021-2022

AGM Notice 2022

Annual Report

Annual Return

2020-2021

AGM Notice 2021

Annual Report

Annual Return

2019-2020

AGM Notice 2020

Annual Report

Annual Return

AGM Transcript

2018-2019

AGM Notice 2019

Annual Report

2017-2018

AGM Notice 2018

Annual Report

2016-2017

AGM Notice 2017

Annual Report

2015-2016

AGM Notice

Annual Report

Annual Return

AGM Transcript

Corporate Governance Reports

Corporate Governance Report Q4 FY-23-24

download Download

Corporate Governance Report Q3 FY-23-24

download Download

Corporate Governance Report Q2 FY-23-24

download Download

Corporate Governance Report Q1 FY-23-24

download Download

Corporate Governance Report Q4 FY-22-23

download Download

Corporate Governance Report Q3 FY-22-23

download Download

Corporate Governance Report Q2 FY-22-23

download Download

Corporate Governance Report Q1 FY-22-23

download Download

Corporate Governance Report Q4 FY-21-22

download Download

Related Documents

Filter by year

2023-2024

Q1

Corporate Governance Report

Q2

Corporate Governance Report

Q3

Pre-listing Shareholding Pattern

Shareholding Pattern

Corporate Governance Report

Q4

Shareholding Pattern

Corporate Governance Report

5 YEAR FINANCIALS & KEY METRICS

Particulars (Rs. Mn)

FY19

FY20

FY21

FY22

FY23

5 Y CAGR
(FY18-23)

Key Operating & Financial Metrics (Rs. Mn)

AUM

43,513.07

48,385.74

49,867.11

62,549.42

92,082.96

25.82%

Disbursements

45,576.49

40,756.56

26,367.66

46,469.63

81,044.74

21.70%

Branches (#)

557

692

755

905

1,172

20.20%

Districts

217

243

249

281

321

Active Clients (mn)

1.59

1.88

1.86

2.05

2.77

18.02%

Avg OS / Client (₹. '000)

27,301.87

25,700.58

34,594.02

34,359.82

38,481.83

11.31%

Employees (#)

7,034

7,277

6,846

8,178

10,227

12.87%

Loan officers(#)

4,214

4,549

4,552

4,994

6,274

13.57%

Loan count (mn)

1.88

2.26

2.28

2.72

3.34

14.33%

App installations (Cumulative mn)

NA

NA

0.02

0.87

1.18

PPOP (Rs. Mn)

2,988.70

2,844.02

1,412.79

1,758.74

4,361.88

52.26%

Networth

8,857.90

9,069.93

8,898.90

13,365.79

16,258.49

32.18%

NIM (%)

8.48

7.71

8.24

9.60

11.60

COF (%)

9.65

10.82

11.08

10.44

10.94

Opex/GLP (%)

6.49

7.15

5.47

6.38

6.08

Cost to Income Ratio(%)

42.15

50.00

64.41

65.02

51.39

ROA (%)

6.00

0.45

0.15

0.92

2.16

ROE (%)

28.13

2.03

0.79

4.26

11.06

CRAR (%)

33.05

29.09

22.55

28.75

21.87

Debt/Equity (x)

2.77

3.22

3.39

2.99

3.99

Asset Quality

Stage-1 (%)

94.37

91.31

88.14

88.02

96.42

Stage-2 (%)

3.29

1.14

4.47

5.72

0.61

Stage-3 (%)

2.35

7.55

7.39

6.26

2.97

GNPA (%)

2.35

7.55

7.39

6.26

2.97

NNPA (%)

0.97

0.74

1.42

1.55

0.60

Provision coverage (%)

59.32

90.83

81.32

76.68

80.32

Collection Efficiency (%)

73.26

67.52

85.75

95.84

P&L (Rs. Mn)

Revenue from operations

7,143.08

8,529.11

6,841.67

8,325.06

14,287.64

23.22%

Other income

361.15

65.18

121.14

104.35

175.80

Total income

7,504.23

8,594.29

6,962.81

8,429.41

14,463.44

23.11%

Finance costs

2,338.37

2,906.73

2,993.28

3,401.55

5,490.10

Employee benefit expenses

1,470.12

1,969.19

1,870.90

2,370.81

3,225.58

Impairment on financial instruments

283.50

2,647.04

1,322.24

1,111.53

2,233.18

Depreciation and amortisation expense

29.65

137.09

188.33

207.84

266.06

Other expenses

677.39

737.26

497.51

690.47

1,119.82

Profit before tax

2,705.20

196.98

90.55

647.21

2,128.70

Profit after tax

2,012.25

182.06

70.54

473.98

1,638.89

62.59%

Total comprehensive income

2,323.26

205.69

-173.10

797.23

2,033.06

69.69%

Balance Sheet (Rs. Mn)

Cash and cash equivalents

6,700.10

11,812.92

5,190.76

7,058.27

7,594.55

Bank balances other than cash

1,109.19

1,789.53

2,259.03

2,940.89

3,909.58

Other receivables

38.21

110.45

92.91

167.73

722.10

Loans

26,992.51

25,638.01

32,940.32

43,981.11

70,266.85

Investments

-

-

0.45

0.45

633.59

Other financial assets

19.67

23.32

23.85

33.68

40.61

Financial Assets

34,859.68

39,374.23

40,507.32

54,182.13

83,167.28

Current tax assets (net)

165.35

379.52

94.15

395.45

104.60

Deferred tax asset (net)

-

-

100.35

47.75

57.75

Property, plant and equipment

205.18

368.67

398.44

420.45

594.37

Capital work-in progress

6.58

-

-

-

-

Right of use assets

-

720.50

700.16

791.19

1,121.72

Other intangible assets

1.56

1.82

1.25

0.84

2.92

Other non-financial assets

63.45

57.35

36.81

76.77

243.35

Non-financial assets

442.12

1,527.86

1,331.16

1,732.45

2,124.71

Total assets

35,301.80

40,902.09

41,838.48

55,914.58

85,291.99

Other payables

54.92

30.41

29.19

75.34

119.27

Debt securities

2,790.07

2,144.91

4,524.69

6,746.27

13,701.51

Borrowings (other than debt securities)

21,473.70

26,819.31

25,382.26

32,969.85

51,230.25

Subordinated liabilities

248.93

249.28

249.63

249.97

-

Lease liabilities

-

758.18

779.89

913.96

1,299.40

Other financial liabilities

1,373.63

1,379.94

1,888.61

1,492.80

2,582.70

Financial Liabilities

25,941.25

31,382.03

32,854.27

42,448.19

68,933.13

Deferred tax liabilities (net)

460.92

299.32

-

-

-

Provisions

9.03

50.89

46.38

49.38

36.13

Other non-financial liabilities

32.70

99.92

38.93

51.22

64.24

Non-financial liabilities

502.65

450.13

85.31

100.60

100.37

Equity share capital

1,141.71

1,141.71

1,141.71

1,333.33

1,401.98

Other equity

7,716.19

7,928.22

7,757.19

12,032.46

14,856.51

Equity

8,857.90

9,069.93

8,898.90

13,365.79

16,258.49

Total liabilities and equity

35,301.80

40,902.09

41,838.48

55,914.58

85,291.99

Muthoot Microfin

Disclaimer - Important

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED OUTSIDE INDIA.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the Red Herring Prospectus of Muthoot Microfin Limited (the "Company") dated December 11, 2023 (the "Red Herring Prospectus") filed with the Registrar of Companies, Maharashtra at Mumbai and thereafter with the Securities and Exchange Board of India (SEBI") and the BSE Limited and the National Stock Exchange of India Limited, in relation to the initial public offering of the equity shares of face value of ? 10 each ("Equity Shares") of the Company ("Offer").

THE RED HERRING PROSPECTUS IS BEING MADE AVAILABLE ON THIS WEBSITE TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED ("SEBI ICDR REGULATIONS"). You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Red Herring Prospectus. In accessing the Red Herring Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them from time to time.

The Red Herring Prospectus is directed at, and is intended for distribution to, and use by, residents of India only. The information in this portion of our website, including the Red Herring Prospectus, is not for publication or distribution, directly or indirectly, in or into the United States. No part of the contents of the Red Herring Prospectus shall be copied or duplicated in any form by any means, or redistributed. The information contained in the Red Herring Prospectus may not be updated since its original publication date and may not reflect the latest updates.

The Red Herring Prospectus has been hosted on this website as prescribed under Regulation 26 of the SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently, neither the Company nor any of its affiliates accepts any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data.

The Red Herring Prospectus does not constitute an offer to sell or an invitation to subscribe to the securities offered in any jurisdiction to any person to whom it is unlawful to make an offer or invitation in such jurisdiction and is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) the Company or any of its affiliates would by virtue of such distribution become subject to new or additional registration, licensing or other regulatory requirements. The Equity Shares offered in the Offer have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act") or any state securities laws in the United States, and unless so registered may not be offered or sold within the United States, except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws. Accordingly, such Equity Shares are being offered and sold (i) outside of the United States in "offshore transactions" as defined in and in compliance with Regulation S under the U.S. Securities Act and the applicable laws of the jurisdiction where those offers and sales occur; and (ii) to "qualified institutional buyers" (as defined in Rule 144A under the U.S. Securities Act) pursuant to Section 4(a) of the U.S. Securities Act. No person outside India is eligible to bid for Equity Shares in the Offer unless that person has received the preliminary offering memorandum for the Offer, which comprises the Red Herring Prospectus and the preliminary international wrap (which contains, among other things, the selling restrictions for the Offer outside India).

Any person into whose possession the Red Herring Prospectus comes is required to inform himself or herself about and to observe any such restrictions.

Neither the Company nor any of its affiliates will be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. The Company and its affiliates cannot and do not guarantee the accuracy, timeliness or completeness of the information being made available to you in the Red Herring Prospectus beyond the date of the Red Herring Prospectus. The information in the Red Herring Prospectus is as of the date thereof and neither the Company nor its affiliates, directors or employees are under any obligation to update or revise the Red Herring Prospectus to reflect circumstances arising after the date thereof.

Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risks, see the section titled "Risk Factors" in the Red Herring Prospectus. Any decision on whether to invest in the equity shares described in the red herring prospectus of the Company dated December 11, 2023 ("RHP"), must be made solely on the basis of the RHP. As there may be material changes in the draft red herring prospectus dated June 30, 2023 (the "DRHP") versus the RHP, potential investors should not have relied on the DRHP.

The Company and its affiliates will not be responsible for any loss to any person or entity caused by any shortcoming, defect or inaccuracy which may have inadvertently or otherwise crept into the website. Neither the Company, any of its affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in making this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials.

If you are not permitted to view the materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

Disclaimer - Important

To access this information, you must confirm by pressing on the button marked "I Confirm" that, at the time of access you are located in India. If you cannot make this confirmation, you must press the button marked "I Do Not Confirm".

The documentation contained in these pages is posted solely to comply with Indian legal and regulatory requirements. Making the information contained herein available in electronic format does not constitute an offer to sell, the solicitation of an offer to buy, or a recommendation to buy or sell securities of the Company in the United States or in any other jurisdiction, including without limitation, India.