Muthoot Finance, India’s leading NBFC and flagship of The Muthoot Group, is a trusted financial services provider known primarily for gold loans. The Muthoot Group is a multi-faceted business conglomerate comprising many diversified divisions including - Financial Services, Wealth Management, Money Transfer, Forex, Securities, Vehicle & Asset Finance, Media, IT, Healthcare, Housing & Infrastructure, Education, Power Generation, Leisure & Hospitality, Plantation & Estates, Precious Metals, Travel Services, Housing Finance, Personal Loan, Microfinance & Overseas Operations. The Group has a network of thousands of branches with a dominant presence in all States & Union Territories of India. It also has its presence in USA, UK, UAE, Sri Lanka and Central America. Since inception, The Muthoot Group has been transforming lives of millions of Indians across the country, giving wings to their dreams and creating successful realities.

Muthoot Finance was incorporated as a private limited Company on March 14, 1997 and was converted into a public limited Company on November 18, 2008. The company obtained permission from the Reserve Bank of India for carrying on the business of Non-Banking Financial Institutions in 2001. The company offer quick, affordable, and secure gold-backed financing with flexible repayment options and attractive interest rates. Over the decades, the company has diversified into personal and business loans, expanding its footprint nationwide with a robust branch network. Known for its customer-first approach, the company offer quick, transparent services with simple eligibility and minimal paperwork. Backed by strong ethics and rigorous compliance, the company ensure fairness and integrity in all operations. Muthoot Finance’s expanding branch network across India enables it to serve a diverse customer base in urban and rural areas, while consistently innovating and strengthening its position as a trusted leader in gold loans and financial services.

Business area of the company

Muthoot Finance offer quick, affordable, and secure gold-backed financing with flexible repayment options and attractive interest rates. The core services or business of the company is gold loans. The company has also diversified into personal and business loans, expanding its footprint nationwide with a robust branch network. The company offer quick, transparent services with simple eligibility and minimal paperwork. Backed by strong ethics and rigorous compliance, the company ensure fairness and integrity in all operations. 

Services offered by the company

• Gold Loan
• Housing Finance
• Personal Loan
• Small Business Loan
• Insurance 
• SME Loan
• Corporate Business Loan
• Vehicle Loan
• Gold Flexi Loan
• Mutual Funds
• Money Transfer
• NCD
• Custom Offers
• PAN Card
• Micro Finance
• Digital And Cashless
• Milligram Rewards
• Bank Mapping
• National Pension Scheme (NPS)

Awards

• Business Leader Award 2014, instituted by Cochin Herald
  
• Mahatma Gandhi National Award for social service in 2001 by the Mahatma Gandhi National Foundation
  
• Asian Businessman of the Year 2011 award from the UK Kerala Business Forum
  
• Business Leadership Award for the year 2012 at the Golden Peacock Awards, Bengaluru
  
• Several awards from Rotary International and Y’s Men International for community development and social service
  
• Ranked as one of the Top 40 BFSI CEOs in India by the country’s leading business magazine, Business Today, in its January 2017 issue; the research was jointly conducted by Business Today and reputed multinational audit, assurance and professional services firm, PricewaterhouseCoopers (PwC)
  
• Emerging Business Leader of the Year at the fifth edition of AIMA Managing India Awards 2014
  
• Muthoot Finance was also awarded the coveted Primetime Awards 2019 in the Banking, Financial Services & Insurance category for its creative & integrated marketing campaign “Soch Badaliye Aur Life Mein Aagey Badhiye.
  
• Best Creative Campaign in the BFSI sector at the Exchange4media Prime Time Awards, 2019
  
• Economic Times BFSI Excellence Award 2019 for Mass Consumer Outreach
  
• Gold at the Flame Awards Asia, 2019 for the ‘Muthoot Vishwaas Ki Tijori’ campaign
  
• Gold in the ‘Innovative Creation of a New Medium Category’ at the 10th NEONS Out-of-Home Awards,2020
  
• Kumbh Initiative Muthoot Finance Vishwaas Ki Tijori also bagged Gold in the 'Innovative Creation of a New Medium Category' at the 10th edition of ‘NEONS Out Of Home Awards 2020’.
• Muthoot Finance's distinguished integrated marketing initiative, Sunheri Soch, achieved a remarkable feat by securing two Gold awards at the e4m Golden Mikes Award 2022.
• Muthoot Finance was also prestigiously awarded “The Best of Bharat Award” at exchange4media's Pride of India Brands 2022.
• Muthoot Finance's Sunheri Soch Season 2 has been honored with the 'Best Digital Brand Video' award at the Afaqs Media Brand Awards.
• Muthoot Finance was honoured with the 9th National CSR Times Award 2022 in the Silver Category for their prominent CSR initiative 'Muthoot Aashiyana,' focusing on sustainable development. 
• Muthoot Finance clinched the prestigious 10th National CSR Times Award (Gold) for our pioneering ‘Cup of Life’ initiative! Empowering women’s health and spreading menstrual hygiene awareness, this recognition reaffirms our commitment to creating a healthier and more equitable society.
• Muthoot Finance has bagged the Bronze Award for its flagship CSR project ‘Cup of Life’ under the category of the ‘CSR Health Awareness Campaign’.
• The ‘Bharosa India Ka’ campaign received two awards at the Exchange4Media Prime Time Awards 2024 for Best Use of Influencers/Celebrities on TV and Best Integrated TV Campaign.
• At the Pitch BFSI Marketing Campaign Awards 2024, ‘Bharosa India Ka’ also secured two Golds for Most Effective 360-Degree Marketing Campaign and Most Effective ROI-Driven Campaign.
• For the ninth consecutive year, the company was recognised as India’s No. 1 Most Trusted Financial Services Brand by TRA’s Brand Trust Report 2024.
• ‘Sunheri Soch - Season 3’ won six awards at the Exchange4Media Golden Mikes Awards 2025.

Milestones

• 1887- The Group came into being as a trading business in a Kerala village.
  
• 1939- Commenced Gold Loan business
  
• 2001- Muthoot Finance received RBI License to function as an NBFC.
  
• 2004- Received highest rating of F1 from Fitch Ratings for a short-term debt of Rs 200 million.
  
• 2005- Retail Loan and debenture portfolio crossed Rs 5 billion
  
• 2007- Retail Loan portfolio crossed Rs 14 billion.
  
• 2007- Net owned funds crossed Rs 1 billion.
  
• 2007- Accorded SI-ND-NBFC status.
  
• 2007- Branch network crossed 500 branches.
  
• 2008- Retail Loan portfolio crossed Rs 21 billion.
  
• 2008- Retail debenture portfolio crossed Rs 1 billion.
  
• 2008- Fitch affirmed the F1 short term debt rating with an enhanced amount of Rs 800 million.
  
• 2008- Converted into a Public Limited Company.
  
• 2009- Retail Loan portfolio crossed Rs 33 billion.
  
• 2009- Retail debenture portfolio crossed Rs 19 billion.
  
• 2009- Net owned funds crossed Rs 3 billion.
  
• 2009- Gross annual income crossed Rs 6 billion.
  
• 2009- Bank credit limits crossed Rs 10 billion.
  
• 2009- Branch network crossed 900 branches.
  
• 2010- Retail Loan portfolio crossed Rs 74 billion.
  
• 2010- Retail debenture portfolio crossed Rs 27 billion.
  
• 2010- CRISIL assigned ‘P1+’ rating for short term debt of Rs 4 billion, ICRA assigned A1+ for short term debt of Rs 2 billion.
  
• 2010- Net owned funds crossed Rs 5 billion.
  
• 2010- Gross annual income crossed Rs 10 billion.
  
• 2010- Bank credit limits crossed Rs 17 billion.
  
• 2010- Branch network crossed 1,600 branches.
  
• 2011- Retail Loan portfolio crossed Rs 158 billion.
  
• 2011- Retail debenture portfolio crossed Rs 39 billion.
  
• 2011- CRISIL assigned long-term rating of AA- Stable for Rs 1 billion subordinated debt issue and for Rs 4 billion non-convertible debentures issue respectively.
  
• 2011- ICRA assigned long-term rating of AA- Stable for Rs 1 billion subordinated debt issue and for Rs 2 billion non-convertible debentures issue respectively.
  
• 2011- PE Investments of Rs 2556.85 million in the company by Matrix partners, LLC The Welcome Trust, Kotak PE, Kotak Investments and Baring India PE.
  
• 2011- Net owned funds crossed Rs 13 billion.
  
• 2011- Gross annual income crossed Rs 23 billion.
  
• 2011- Bank credit limit crossed Rs 60 billion.
  
• 2011- Branch network crossed 2,700 branches.
  
• 2012- Retail Loan portfolio crossed Rs 246 billion.
  
• 2012- Retail debenture portfolio crossed Rs 66 billion.
  
• 2012- ICRA assigned long-term rating of AA- Stable and short-term rating of A1+ for Rs 9,353 crore Line of credit.
  
• 2012- Successful IPO of Rs 9,012.50 million in April 2011.
  
• 2012- Raised Rs 6.93 billion through Non-convertible Debenture Public Issue- Series I.
  
• 2012- Raised Rs 4.59 billion through Non-convertible Debenture Public Issue - Series II.
  
• 2012- Net owned funds crossed Rs 29 billion.
  
• 2012- Gross annual income crossed Rs 45 billion.
  
• 2012- Bank credit limit crossed Rs 92 billion.
  
• 2012- Branch network crossed 3,600 branches.
  
• 2013- Raised Rs 2.59 billion through Non-Convertible Debenture Public Issue - Series III
  
• 2013- Obtained RBI license to start operating 9,000 White Label ATMs
  
• 2013- Branch network crossed 4,400 branches
  
• 2013- Raised Rs 2.77 billion through NCD Public Issue - Series IV
  
• 2013- Raised Rs 3.0 billion through NCD Public Issue -Series V
  
• 2014- Raised Rs 418 crore through oversubscribed (1.8 times) Institutional Placement Programme (IPP)
  
• 2014- Acquired 51 percent equity shares of Colombo-based PLC, Asia Asset Finance (AAF)
  
• 2015- Issued 25,351,062 fresh equity shares by way of an institutional placement programme under Chapter VIII-A of the SEBI ICDR Regulations, aggregating up to Rs 4,182.93 million.
  
• 2015- Listed Debenture Portfolio raised through public issue Rs 14.62 billion.
  
• 2015- Retail Loan Portfolio touched Rs 234.09 billion.
  
• 2015- Net owned funds crossed Rs 50 billion.
  
• 2015- Gross annual income touched Rs 43.25 billion.
  
• 2015- Profit after tax for the year touched Rs 6.71 billion.
  
• 2016- Retail Loan Portfolio crossed Rs 243 billion.
  
• 2016- Listed Debenture Portfolio raised through public issue Rs 12.39 billion.
  
• 2016- Net Owned Funds crossed Rs 55 billion.
  
• 2016- Gross annual income touched Rs 48.75 billion.
  
• 2016- Profit after tax for the year touched Rs 8.10 billion.
  
• 2016- Acquired 79% of the equity capital of Muthoot Homefin (India) Limited (MHIL). MHIL is a Housing Finance Company Registered with The National Housing Bank
  
• 2016- Acquired Muthoot Insurance Brokers Private Limited (MIBPL) as a wholly-owned subsidiary in June 2016. MIBPL is an unlisted private limited company holding a licence to act as direct broker from IRDA since 2013
  
• 2016- Acquired 46.83% of the capital of Belstar Investment and Finance Private Limited (BIFPL) in July 2016. BIFPL was reclassified as an ‘NBFC-MFI’ by RBI with effect from 11th December, 2013
  
• 2016- CRISIL and ICRA upgraded long-term debt rating from AA-/Stable to AA/Stable.
  
• 2017- Loan Assets Portfolio crossed Rs 272 billion.
  
• 2017- Listed Debenture Portfolio raised through public issue Rs 18.31 billion.
  
• 2017- Net Owned Funds crossed Rs 64 billion.
  
• 2017- Gross annual income touched Rs 57.46 billion.
  
• 2017- Profit after tax for the year touched Rs 11.80 billion.
  
• 2017- Increased stake in BIFPL to 64.60% thus making it a subsidiary.
  
• 2017- Enlarged stake in MHIL to 88.27%.
  
• 2017- Improved stake in AAF to 60%.
  
• 2018- Loan Assets Portfolio crossed Rs 291 billion.
  
• 2018- Listed Debenture Portfolio raised through public issue of Rs 19.69 billion.
  
• 2018- Net Owned Funds crossed Rs 77 billion.
  
• 2018- Gross Annual Income touched Rs 62.43 billion.
  
• 2018- Profit after tax for the year touched Rs 17.20 billion.
  
• 2018- Branch network crossed 4,300.
  
• 2018- Increased stake in BIFPL to 66.61%.
  
• 2018- Enlarged stake in MHIL to 100% making it a wholly-owned subsidiary.
  
• 2019- Loan Assets Portfolio crossed Rs 342 billion.
  
• 2019- Listed Debenture Portfolio raised through public issue of Rs 37.09 billion.
  
• 2019- Net Owned Funds crossed Rs 97.69 billion.
  
• 2019- Gross Annual Income touched Rs 68.81 billion.
  
• 2020- Muthoot Finance raises $550 million from international bond markets.
  
• 2020- Fitch Ratings affirms Muthoot Finance's Long Term Issuer Default ratings.
• 2021- Loan assets portfolio crossed Rs 526 billion.
• 2021- Net owned funds crossed Rs 151.88 billion.
• 2021- Gross annual income touched Rs 105.74 billion.
• 2021- PAT for the year touched Rs 37.22 billion.
• 2021- Branch network crossed 4,600.
• 2021- CRISIL and ICRA upgraded long-term credit rating from AA to AA+/Stable.
• 2021- Raised Rs 17 billion through public issue of Series XXV of secured non-convertible debentures of which allotment was made in April, 2021.
• 2022- Loan Assets portfolio crossed Rs 580 billion.
• 2022- Net owned funds crossed Rs 182.96 billion.
• 2022- Gross annual income touched Rs 110.98 billion.
• 2022- Profit after tax for the year touched Rs 39.54 billion.
• 2022- Branch Network crossed 4600.
• 2023- Loan Assets portfolio crossed Rs 580 billion.
• 2023- Loan Assets portfolio crossed Rs 632 billion.
• 2023- Net owned funds crossed Rs 208.94 billion.
• 2023- Gross annual income touched Rs 105.44 billion.
• 2023- Profit after tax for the year touched Rs 34.74 billion.
• 2023- Branch Network crossed 4700.
• 2024- Loan Assets portfolio crossed Rs 758 billion.
• 2024- Net owned funds crossed Rs 241.57 billion.
• 2024- Gross annual income touched Rs 126.94 billion.
• 2024- Profit after tax for the year touched Rs 40.50 billion.
• 2024- Branch network crossed 4800.
• 2025- Consolidated loan assets portfolio crossed Rs 1.22 trillion.
• 2025- Standalone loan assets portfolio crossed Rs 1.08 trillion.
• 2025- Consolidated profit after tax reached Rs 53.52 billion.
• 2025- Standalone profit after tax reached Rs 52.01 billion.
• 2025- Gold loan AUM touched Rs 1.03 trillion.
• 2025- Gold loan AUM per branch touched Rs 212.06 million.
• 2025- Branch network reached 4,855.
• 2025- Gold loan disbursement to new customers touched Rs 218.88 billion.
• 2025- Interest collection reached Rs 155.86 billion.
• 2025- Gold held as security in its lockers touched 208 tonnes.
• 2025- Dividend paid Rs 26 per equity share.
• 2025- International rating upgrades: S&P to BB+/B (Stable) and Moody’s to Ba1 (Stable).