Muthoot Finance Q3 Results 2026: Profit Surges 95%, Loan Book Hits ₹1.64 Lakh Crore

Muthoot Finance Results Q3 2026

Muthoot Finance Limited reported its unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, following the board meeting held on February 12, 2026.

The numbers tell a story of remarkable momentum in India's gold financing space, with consolidated loan assets under management reaching an all-time high of ₹1,64,720 crore, marking a 48 percent year-on-year jump from ₹1,11,308 crore in the corresponding period last year. During these nine months, the group added ₹42,539 crore in loan assets, reflecting a 35 percent sequential expansion, while the consolidated profit after tax surged 84 percent to ₹7,209 crore compared to ₹3,908 crore previously.

On a standalone basis, the core gold loan business delivered even stronger results. Loan assets under management climbed to ₹1,47,552 crore, up 51 percent from ₹97,487 crore, with gold loan AUM specifically growing 50 percent to ₹1,39,658 crore.

Profit after tax for the nine months stood at ₹7,048 crore, a 91 percent increase, and the third quarter alone saw PAT rise 95 percent to ₹2,656 crore from ₹1,363 crore a year earlier. Earnings per share for the nine months reached ₹175.55, underscoring the robust bottom-line growth. Total income on a standalone level for the quarter came in at ₹7,263 crore, while profit before tax was ₹3,582 crore.

Subsidiaries contributed meaningfully to the overall performance. Muthoot Homefin saw loan AUM rise 24 percent to ₹3,380 crore with profit after tax of ₹19 crore. Belstar Microfinance achieved ₹7,911 crore in loan assets and turned around to post ₹109 crore in nine-month PAT, including ₹51 crore in the third quarter.

Muthoot Money expanded aggressively, with its loan portfolio jumping 168 percent to ₹8,003 crore and delivering ₹203 crore in profit after tax against a small loss last year. Asia Asset Finance in Sri Lanka grew its portfolio 49 percent and reported LKR 68 crore in profit. The group also opened 150 new branches, taking the total network to 7,541, and highlighted initiatives like digital learning programs in government schools alongside award-winning CSR efforts.

These figures highlight sustained demand for gold-backed loans amid economic tailwinds, disciplined credit management, and strategic diversification. With an average gold loan per branch touching ₹28.10 crore and 205 tonnes of gold jewellery held as security, the company maintains a solid position.

Investors will watch how this growth trajectory holds as the full fiscal year unfolds, especially with healthy capital adequacy and controlled asset quality metrics across entities. The results, accompanied by detailed press releases and investor presentations, reflect a confident outlook for one of India's leading NBFCs in the gold loan segment.

Below is the official PDF for Muthoot Finance Results Q3

Disclaimer: The financial data and statements presented above are sourced from Muthoot Finance’s official Q3 FY2026 report. This article is for informational purposes only and should not be considered investment advice. Readers are advised to verify figures and consult financial experts before making any decisions.