Muthoottu Mini Financiers Ltd. has registered a 21 per cent increase in its revenue in FY25 at ₹815.15 crore against ₹671.84 crore in FY24.
Assets Under Management have reached ₹4,141.60 crore, up from ₹3,522.77 crore in the previous fiscal, marking a year-on-year growth of17.57 per cent. This expansion in the loan book was driven by increasing demand for gold loans and the company’s ongoing focus on strengthening its branch network in semi-urban and rural markets.
Profit after tax was ₹94.18 crore for FY25, compared to ₹77.83 crore in FY24, a 21 per cent increase. Stable revenue, efficient cost management, and high-quality underwriting practices supported the profitability growth.
Gross NPA stood at 0.85 per cent, and net NPA at 0.50 per cent. These low NPA levels demonstrate the company’s disciplined approach to credit, particularly in the gold loan segment where quick disbursal and short-term repayment cycles contribute to portfolio health, said a press release.
Mathew Muthoottu, Managing Director, said, “FY25 has been a year of disciplined expansion. We saw increased demand for gold loans across regions, which translated into a healthy rise in our AUM and revenues. Our focus remains on maintaining portfolio quality and reaching underserved customer segments with simple, secured lending products.”
P. E. Mathai, Chief Executive Officer, said, “our double-digit growth across revenue, AUM, and PAT is a reflection of our focused execution strategy. The increase in footfall at our branches, driven by operational outreach and digital servicing, has enabled us to scale efficiently while managing risks”.
During the year, the company upgraded its digital infrastructure to offer faster and more transparent services. The company’s mobile app, digital gold loan renewals, and customer notification systems contributed to higher customer retention and reduced branch-level dependency on routine transactions.