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Muthoot Capital Services Limited — Q1FY27 Earnings Call Summary
Key Takeaways
- ROA guidance ~2.5% pretax for FY27; impairment costs expected stable
- Q1 FY27 GNPA improved to 3.94%, down 182 bps y-y; retail GNPA at 3.49%
- Yield on portfolio steady at ~21%; used car yield 18.6%, expected breakeven in FY27
- AUM target INR4,000-4,200 Cr for FY27; INR10,000 Cr target for FY28-29 intact
- GNPA expected to remain sub-4% retail; NNPA sub-2% for FY27
- CRISIL rating upgraded to AA- stable, enabling lower borrowing costs
- Retail portfolio grew to INR2,851 Cr (+24% y-y); co-lending book declined to INR499 Cr
- Public deposits crossed INR100 Cr, supporting liability diversification
- AI and digital investments ongoing for collections and underwriting
- ARC transactions reduced GNPA; third ARC sold INR203 Cr at 45.6% valuation
📄 Source: View original transcript (PDF)
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Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.