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Muthoot Finance Stock Fundamental Analysis - Financial Results & Equity Research | Invest Yadnya Stock-o-Meter

Muthoot Finance




Muthoot Finance is the flagship company of the Muthoot Group and commenced the gold loan business in the year 1939. Group started its retail loan business under the name Muthoot Bankers, a partnership firm. Muthoot Finance Ltd was incorporated in 1997 and commenced business as NBFC in 2001. It is classified as a Systemically Important - Non-Deposit taking NBFC. The company is the largest Gold Financing Player in India. It has a Pan India presence with 5,897 branches.


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Sector: Refineries

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Muthoot Finance was initially started on March 14, 1997, as a private limited company named The Muthoot Finance Private Limited under the Companies Act. Its name was changed to “Muthoot Finance Private Limited” by a fresh certificate of incorporation dated May 16, 2007”. 

It was converted into a public limited company on November 18, 2008, with the name “Muthoot Finance Limited” & obtained a fresh certificate of incorporation consequent upon the change in status from the RoC. Muthoot Finance Limited is India's largest gold financing company in terms of the loan portfolio. It offers personal and business loans secured by gold jewellery or Gold Loans to enable the customers to meet unexpected or other short-term liquidity needs. 

It is a “Systemically Important Non-deposit taking NBFC” headquartered in the southern Indian state of Kerala. It issued non-convertible debentures “Muthoot Gold Bonds” based on private placement. It also offers other loans, including those secured by Muthoot Gold Bonds. It provides gold loans on extremely easy terms & conditions to people of each section of the society. It is always working hard towards enhancing & innovating the way the world accesses financial services.


  • The merger of Muthoot Enterprises Private Limited with Muthoot finance in 2005. 
  • Muthoot Finance Ltd joined hands with Yes Bank in 2015. 
  • In 2016, Muthoot Finance completed the Acquisition of Muthoot Insurance Brokers Pvt Limited. 


Here are the services offered by Muthoot Finance Limited:

  • Gold Loan
  • Housing Finance
  • Personal Loan
  • Insurance
  • Gold Coin
  • Money Transfer
  • Foreign Exchange
  • NCD
  • Mutual Funds
  • Travel Jango
  • Muthoot iWill
  • PAN Card
  • Micro Finance
  • Digital & Cashless
  • Vehicle Loan
  • Big Business Loan


  1. Received the Skoch Financial Inclusion Award in the category of 'Access to Banking and Financial Services 
  2. Voted the most trusted finance brand in India as per the Brand Trust Report 
  3. Received the Asian Sustainability Leadership Award
  4. Received BFSI Award for the "Most Admired Loyalty Program" at The Asian Leadership Awards held in Dubai
  5. Received Golden Peacock Award for CSR being conferred upon Muthoot Finance Ltd
  6. Received the Golden Peacock Award "HR Excellence which recognises the continuing commitment by business to conduct itself ethically and contribute to economic development 


  • In 2001: It has received an RBI license acquired to function as an NBFC.
  • In 2005: Merger of Muthoot Enterprises Private Limited with the Muthoot finance
  • In 2007: RBI awards status of Systemically Important ND–NBFC
  • In 2008: Muthoot finance was converted into a public limited company. Fresh RBI license acquired to function as an NBFC without accepting public deposits, consequent to change in name.
  • In 2010: ICRA gave an ‘A1+’ rating for short-term debt of Rs 200 cr. CRISIL assigns a ‘P1+’ rating for short-term debt of Rs 400 cr. Separation of the FM radio business into Muthoot Broadcasting Private Limited.
  • In 2011: It launched the Western Union Money Transfer Service.
  • In 2013: Acquires RBI License to begin operating 9,000 White Label ATMs.
  • In 2015: Muthoot Finance Ltd joined hands with Yes Bank. It also launched the website for Muthoot ATMs. Muthoot Finance launched Missed Call Service to know the Gold Loan Status.


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Brands Of Muthoot Finance

Brands Of Muthoot Finance



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