Muthoot Microfin FY26 AUM Rs 14,006 Cr, Up 13%; GNPA at 3.89%
Muthoot Microfin's AUM grew 13% YoY to ₹14,006 crore by March 31, 2026. Disbursements rose 6% to ₹9,418 crore in FY26. GNPA improved to 3.89% with a 136 bps increase in collection efficiency to 96.43% in Q4 FY26. The company raised ₹9,537 crore in FY26 and saw its ESG rating upgraded.
The reported growth in AUM, improved asset quality, and strengthening credit profile are material financial and operational developments that are likely to significantly influence investor perception and the company's market standing.
The announcement highlights significant year-over-year growth in AUM, improved asset quality metrics (GNPA reduction, collection efficiency increase), successful fundraising, and a positive credit rating outlook, all indicating strong business performance.
Muthoot Microfin Limited has reported a Key Business Update for the Quarter and Fiscal Year Ended March 31, 2026. The company achieved a healthy Assets Under Management (AUM) growth of 13% year-over-year, reaching ₹14,006 crore as of March 31, 2026, compared to ₹12,357 crore in the previous year. Disbursements surged by 6% YoY to ₹9,418 crore for FY26.
The company's portfolio diversification initiative is progressing, with the non-JLG loan mix increasing to 17% from 3% in March 2025, and the small and micro enterprise Individual Loans (IL) portfolio growing to ₹2,387 crore with near-zero delinquency.
Asset quality showed significant improvement, with Collection Efficiency for Q4 FY26 standing at 96.43%, an increase of 336 basis points from Q4 FY25. Gross Non-Performing Asset (GNPA) reduced to 3.89% from 4.84% in the previous year, and credit costs moderated to 3.5% from 9.4%.
Muthoot Microfin strengthened its funding profile by raising ₹9,537 crore in FY25-26, a notable increase from ₹7,375 crore in the prior fiscal year. The borrowing cost also declined from 11.02% in Q4 FY25 to 10.27% in Q4 FY26. The company's credit profile was bolstered by CRISIL upgrading its outlook to 'Positive' and reaffirming the 'CRISIL A+' rating.
Furthermore, the company's ESG rating was upgraded from 72.2 to 80.8 (CareEdge-ESG 1+), signifying a leadership position in ESG risk management. The Mahila Mitra app downloads have cumulatively reached 20 lakh customers.
These figures are provisional unaudited numbers, subject to review and audit.
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Muthoot Microfin Limited filed this with the NSE as a statutory disclosure, categorised under other company updates. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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