The call ran from 10:01 AM to 10:57 AM IST (56 min).
Key takeaways
Record ₹2,900 Cr disbursement, AUM up 22%, standalone PAT ₹110.8 Cr. Credit cost 2.6%. Management downplays drought exposure of 3.6% of book.
| Revenue growth | Disbursement ₹2,900 Cr, +28% YoY; total income ₹733 Cr, +27%. |
|---|---|
| Margins | NIM 12% to 12.5%; OPEX to GLP 7% to 6.1%. |
| Demand visibility | Festive season ahead; H2 seasonally stronger; drought districts calibrated disbursement. |
| Management confidence | Upbeat; pre-emptive reassurance on drought and rate-hike risks. |
Growth
Disbursement +28% YoY, AUM +22%, PPOP +67%. Profit lift comes from NIM rising 12% to 12.5% and lower borrowing cost.
Outlook
FY27 profit guided at ₹425–450 Cr; H1 delivered ₹192 Cr. AUM growth guided at 20%.
Risks
Drought in Maharashtra and Karnataka, 3.6% of book. Further rate hikes expected. Draft IRDAI insurance rules pending.
Summary by ALFA Finder, written with AI assistance from our own recording of the call, published . Open it on ALFA Filings ›
The results behind this call
Muthoot Microfin Q2 FY27 Results: Net Profit ₹110.8 Cr, Up 263.3% YoY
Muthoot Microfin Ltd reported revenue from operations of ₹730.7 Cr (+26.8% YoY) and net profit of ₹110.8 Cr (+263.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹110.8 Cr · +263.3% YoY
What management said last time
Full summary →From the call summary published .
Outlook they gave
Management revised AUM growth guidance upward to 20%. Targeting 5% ROA by FY30 with 75% digital collections.
Growth they described
Disbursements grew 49% YoY; PPOP increased 43% YoY and 3% QoQ; earnings rose 20% YoY and 5% QoQ.
Call details
| Company | Muthoot Microfin Ltd |
|---|---|
| NSE symbol | MUTHOOTMF |
| ISIN | INE046W01019 |
| Call | Q2 FY27 earnings call |
| Date | Friday, 6 November 2026 |
| Time | 10:00 AM IST |
| Length | 56 min |
| Audio | Our stream on YouTube ↗ |
Muthoot Microfin Ltd: key numbers
- Share price
- ₹157.00
- Market cap
- ₹2,677 Cr
- Revenue (annual)
- ₹2,370 Cr
- Net profit (annual)
- ₹170.3 Cr
- P/E (TTM)
- 8.2×Sector 20.3×
- Promoter holding
- 55.47%+0.00% QoQ
- FII holding
- 23.19%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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