George Alexander Muthoot, Managing Director, Muthoot Finance
Gold loan lender Muthoot Finance has registered a 43 per cent rise in its stand-alone PAT for Q4 at ₹1,508 crore against ₹1,056 crore in Q4 FY24. The PAT for the whole FY25 was ₹5,201 crore as against ₹4,050 crore in FY24, an increase of 28 per cent.
Loan AUM stood at ₹1,08,648 crore in FY25 as compared to ₹75,827 crore in FY24, registering a growth of 43 per cent. During FY25, gold loan AUM increased by ₹30,077 crore registering a growth of 41 per cent. During the quarter, the figure increased by ₹9,992 crore an increase of 11 per cent QoQ.
The company’s consolidated loan AUM grew 37 per cent at ₹1,22,181 crore in FY25 against ₹89,079 crore last year. During the quarter, consolidated loan AUM increased by 10 per cent. Consolidated PAT increased by 20 per cent to ₹5,352 crore as against ₹4,468 crore last year.
George Jacob Muthoot, Chairman said “with a strong focus on the company’s vision to emerge as a diversified financial services group, FY25 was a year of transformation. Alongside expanding our non-gold loan portfolio, we accelerated our digital initiatives to drive growth across all product segments. The recent regulatory guidelines are a positive step for the sector; however, we have always operated with strong governance and are already aligned with these directives. As we step into FY26, we do so with optimism and remain committed to our various stakeholders.”
George Alexander Muthoot, Managing Director said, this year, we achieved the highest ever gold loan advance to new customers of ₹21,888 crore, reinforcing our position as a trusted partner in the gold loan industry. Complementing our core gold loan business, our non-gold loan offerings continued to gain traction, with our microfinance loans, personal loans, and home loans playing a pivotal role in diversifying our overall loan book.”
“The housing finance arm achieved disbursements of ₹1,242 crore in FY25 as against ₹815 crores in FY 24. The micro finance arm also showcased resilience amidst broader sectoral challenges, with a positive return on asset. Our omni-channel strategy is delivering results, with key infrastructure in place to transition both gold and non-gold customers — especially those previously transacting in cash — to digital platforms,” he added.
Published on May 14, 2025
