MUTHOOTMF Muthoot Microfin Q3 FY26 results (Oct–Dec 2025) and concall
Muthoot Microfin reported a strong Q3 FY26, with Assets Under Management (AUM) growing to INR 13,078 crores, a 5.4% YoY increase. The company achieved normalized disbursements of INR 850 crores per month, with a target of INR 1,000 crores per month for Q4. Operating costs decreased from 7% to 6.5%, and the cost-to-income ratio improved to 54%. Asset quality showed significant improvement, with credit cost for the quarter at 3.3% and collection efficiency rising to 94.8%. The company's Q3 PAT stood at INR 62 crores, leading to a Return on Asset (RoA) of 1.9%.
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What they filed
Q3 FY26: revenue down 11.5%, net profit up 1450.0% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 662 | 681 | 555 | 559 | 576 −13% | 603 −11% |
| EBITDA | 329 | 253 | -290 | 226 | 258 −22% | 299 +18% |
| Net profit | 62 | 4 | -401 | 6 | 31 −50% | 62 +1450% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
