Muthoot Microfin Q3FY26 PAT Jumps 104.6% QoQ to ₹62.4 Cr; AUM ₹13,078 Cr
Muthoot Microfin's Q3 FY26 PAT surged 104.6% QoQ to ₹62.4 Cr. AUM grew 5.4% YoY to ₹13,078.6 Cr. GNPA improved to 4.40%. The company approved issuing NCDs up to ₹2,000 Cr. Jinsu Joseph was re-appointed Chief Risk Officer for two years from April 1, 2026.
The substantial increase in profit, growth in AUM, and the approval for a large debt issuance (₹2,000 Crore) are material events that are likely to significantly impact the company's financial standing and market perception.
The company reported significant year-on-year and quarter-on-quarter growth in profit after tax, an increase in assets under management, and an improvement in asset quality. The approval of a substantial debt issuance and the reappointment of a key executive also contribute to a positive outlook.
Muthoot Microfin Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company's Profit After Tax (PAT) surged by 104.6% quarter-on-quarter to ₹62.4 Crore, compared to ₹30.5 Crore in Q2 FY26. Year-on-year, PAT grew by a remarkable 1544.0% from ₹3.8 Crore in Q3 FY25.
The Gross Loan Portfolio (GLP) reached ₹13,078.6 Crore, marking a 5.4% increase year-on-year and a 4.1% increase quarter-on-quarter. Disbursements also saw a significant jump of 22.5% year-on-year to ₹2,492.2 Crore.
Asset quality showed improvement, with Gross NPA (GNPA) declining to 4.40% from 4.61% in the previous quarter, and Net NPA (NNPA) reducing to 1.34% from 1.41%. The credit cost stood at 3.3%, well below the FY26 guidance of 4-6%.
The Board of Directors also approved the issue of Non-Convertible Debentures aggregating up to ₹2,000 Crore by way of private placement, subject to shareholder approval via postal ballot. Additionally, Mr. Jinsu Joseph was re-appointed as Chief Risk Officer for a period of two years effective April 1, 2026.
The company reported total income of ₹605.4 Crore and Pre-Provisioning Operating Profit (PPOP) of ₹175.3 Crore for the quarter. Net Interest Margin (NIM) remained healthy at 12.0%, with the cost of funds declining to 10.43%. The company maintained a strong Capital Adequacy Ratio of 26.4% and a Debt-Equity Ratio of 3.3x, with a total Net Worth of ₹2,768 Crore.
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Muthoot Microfin Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. 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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