Muthoot Capital Services
- Market cap
- ₹ 299 Cr.
- P/E
- 12.2x
- P/B
- 0.5x
- 52-week range
- 175.25 – 303
- ROE
- 2%
- Dividend yield
- 0%
- Debt / equity
- 4.94
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
Muthoot Capital Services Limited is an India-based non-banking financial company (NBFC). The Company is primarily engaged in the business of financing the purchase of automobiles, mainly two-wheelers and used four wheelers against the hypothecation of the vehicles and granting of personal/ business loans, among others. The Company’s products include two-wheeler loans, used car loans, fixed deposits, and secured business loans, subordinate debts, and loyalty loans. It offers short-term and long-term deposit plans for fixed deposits. The Company offers fund-based financial services to retail, corporate and institutional customers through the network of branches of Muthoot FinCorp Limited and two-wheeler dealerships. The Company provides secured business loans to entities with a short track record and low asset base which are unable to get finance from commercial banks.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Muthoot Capital Services against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)12.2 against a typical 22.5: cheaper than most peers (1st = cheapest).90th of 284
- Sales growth+7.1% against a typical +18.3% from a year earlier.160th of 259
- Share price, 3 months−16.1% against a typical −4.2%.198th of 258
- Size₹ 298.5 Cr. market value against a typical ₹ 43 Cr. (1st = largest).58th of 269
Latest announcements
Exchange filings and their impact on the company.
- Allotted Rs 200 cr of 9.25% NCDs to fund loan-book growth, lifting debt ~6%.
Muthoot Capital Services allotted 2 lakh secured non-convertible debentures of Rs 10,000 each, raising Rs 200 crore on a private placement basis. The NCDs carry a 9.25% annual coupon payable monthly and will be listed on BSE. The funds add about 6% to its borrowings and will be used for onward lending, supporting loan-book growth with a partly offsetting interest cost.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Adequate safety
Rated AA- to A+ by 2 agencies- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CRISIL | Crisil AA- | Stable | 12 Oct 2026 |
| ICRA | [ICRA]A+ | Stable | 25 Nov 2025 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 12 Oct 2026 | Reaffirmed | Crisil AA- | — | CRISIL | ₹ 3,836 Cr. | |
| 1 Oct 2026 | Reaffirmed | Crisil AA- | — | CRISIL | ₹ 3,836 Cr. | |
| 15 Sep 2026 | Reaffirmed | Crisil AA- | — | CRISIL | ₹ 3,736 Cr. | |
| 14 Aug 2026 | Withdrawn | was Crisil AA- | — | CRISIL | ₹ 3,686 Cr. | |
| 18 Jun 2026 | Withdrawn | was Crisil AA- | — | CRISIL | ₹ 3,686 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 5 Nov 2026Upcoming | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 16 Jul 2026 | Financial Results | To consider and approve the Unaudited financial results for the quarter ended June 30, 2026 |
| 8 May 2026 | Financial Results | To consider and approve the financial results for the Quarter and Financial Year ended March 31, 2026 |
| 21 Jan 2026 | Financial Results | To consider and approve the unaudited financial results of the Company for the Quarter and Nine Months ended December 31, 2025 |
| 15 Oct 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 5 Aug 2025 | Financial Results | Prior Intimation of the Meeting of the Board of Directors to consider and approve the financial results for the quarter ended June 30, 2025 |
| 14 May 2025 | Financial Results/Dividend | To consider and approve the Audited Financial Results of the Company for the Quarter and Financial year ended March 31, 2025 and recommendation of Dividend, if any, for the Financial year ended March 31, 2025 |
Financials
Standalone figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 98 | 96 | 98 | 100 | 109 | 126 | 137 | 145 | 154 | 155 | 166 | 156 |
| Interest | 41 | 40 | 42 | 44 | 51 | 62 | 68 | 75 | 81 | 81 | 78 | 78 |
| Expenses | 43 | 43 | 41 | 41 | 37 | 46 | 64 | 77 | 69 | 68 | 78 | 71 |
| Financing Profit | 14 | 13 | 15 | 15 | 21 | 18 | 6 | −7 | 3 | 6 | 11 | 7 |
| Financing Margin % | 14.6% | 13.4% | 15.1% | 15.2% | 19.7% | 14.3% | 4.3% | −4.9% | 2% | 3.7% | 6.6% | 4.4% |
| Other Income | 98 | 1 | 0 | 0 | 1 | 0 | 3 | 2 | 2 | 6 | 0 | 5 |
| Depreciation | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 4 | 1 |
| Profit before tax | 112 | 13 | 15 | 15 | 22 | 17 | 7 | −6 | 4 | 10 | 8 | 11 |
| Tax % | 25.7% | 25.3% | 20.4% | 25.6% | 26.1% | 27.4% | 7.9% | −24.3% | 24% | 25.9% | 30.8% | 25.2% |
| Net Profit | 83 | 10 | 12 | 11 | 16 | 13 | 6 | −5 | 3 | 8 | 5 | 8 |
| EPS in Rs | 50.59 | 6.09 | 7.1 | 6.57 | 9.71 | 7.64 | 3.9 | −2.84 | 1.72 | 4.65 | 3.26 | 4.94 |
| Gross NPA % | 11.7% | 10.7% | 10.2% | 9.8% | 4.8% | 4.7% | 4.9% | 5.8% | 6.5% | 6.4% | 7% | 3.9% |
| Net NPA % | 3.9% | 3.6% | 3.4% | 3.4% | 1.6% | 2.2% | 2.3% | 2.7% | 3.1% | 3.6% | 4.1% | 2.4% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 11%
- 5 Years
- 4%
- 3 Years
- 12%
- TTM
- 22%
- 10 Years
- −6%
- 5 Years
- −25%
- 3 Years
- −46%
- TTM
- −17%
- 10 Years
- 3%
- 5 Years
- −8%
- 3 Years
- −12%
- TTM
- —
- 10 Years
- 7%
- 5 Years
- 1%
- 3 Years
- 6%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Muthoot Capital Services | ₹ 185.90 | ₹ 299 Cr. | 12.2x | 0.5x | 2% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25.2x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 93.9x | 1.1x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.4x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.5x | 1x | 20.7% | 29.1% |
Management
- Ramandeep Singh Gill
- Chief Financial Officer
- Daisy K. J
- Chief Compliance Officer
- Umadevi Pazhoor Unnikrishnan
- Chief Risk Officer
- Tina Suzanne Suzanne
- Executive Director
- Deepa G
- Company Secretary
Prices are delayed and for information only. Nothing on this page is investment advice.