About the Company

Muthoot Finance Limited is India’s largest and most trusted gold loan NBFC, with roots going back to 1887 and a dedicated focus on gold-backed lending since 1939. Incorporated as a private limited company on March 14, 1997, it became a public limited company on November 18, 2008. The Company received its NBFC registration from the Reserve Bank of India on November 13, 2001, and completed its IPO in April 2011 with equity listing on May 6, 2011 . The RBI classified Muthoot Finance as an Upper Layer NBFC on September 30, 2022, under the scale-based regulatory framework .

The Company provides quick, secure loans against Household Used Gold Ornaments (HUGO), with insured locker storage and transparent charges, and offers end-to-end digital services such as loan renewals, top-ups, repayments and interest payments via the iMuthoot app and website . Beyond gold loans, the Group’s offerings include housing finance, microfinance, insurance broking and gold-loan-led lending through subsidiaries in India and Sri Lanka .

Muthoot Finance operates a pan-India network of 4,855 branches across 29 States and Union Territories as of March 31, 2025, serving over 2,00,000 customers per day. Overseas, Asia Asset Finance PLC runs 100 branches in Sri Lanka, extending the Group’s presence in that market  . The Company has seven subsidiaries as on March 31, 2025 .

Key milestones include:

– Entry into gold loans in 1939 and steady expansion nationwide over subsequent decades .

– IPO and stock exchange listing in 2011 .

– RBI Upper Layer NBFC classification in 2022 .

– Achieved the milestone of Rs 1 trillion in both Standalone Loan AUM and Gold Loan AUM during FY 2024-25; iMuthoot app crossed 1.5 crore downloads; and international rating upgrades to S&P BB+ (Stable) and Moody’s Ba1 (Stable). The Company is the only pure-play gold loan NBFC in the RBI’s Upper Layer category for the last three years .

Key Management

– George Jacob Muthoot – Chairman & Whole-time Director

– George Alexander Muthoot – Managing Director

– George Thomas Muthoot – Whole-time Director

– George Muthoot George – Whole-time Director

– Alexander George – Whole-time Director

– George Muthoot Jacob – Whole-time Director

– George Alexander – Whole-time Director

– Oommen K. Mammen – Chief Financial Officer

– Rajesh A. – Company Secretary

Latest Updates

– Customer reach and footprint: 4,855 branches across India; 200,000+ customers served daily; 29 States/UTs. Asia Asset Finance PLC in Sri Lanka operates 100 branches  .

– Strategic milestones: Standalone Loan AUM and Gold Loan AUM each crossed Rs 1 trillion in FY 2024-25; global rating upgrades by S&P to BB+ (Stable) and Moody’s to Ba1 (Stable); iMuthoot app downloads exceeded 1.5 crore .

– Subsidiaries: Group subsidiaries contributed 13 Per cent to consolidated AUM and 4 Per cent to PAT in FY 2024-25; Belstar Microfinance filed its DRHP; Muthoot Money Limited added 522 branches and primarily offers gold loans  .

– Digital initiatives: Rolled out emConnectSpace (centralised API platform), eNACH integration, an updated iMuthoot mobile app, Loan@Home empowerment, DIY Insta Personal Loan journey, Voice BOT, KFS implementation, VPA enablement, and real-time AML integrations, alongside cloud migration for customer engagement and analytics .