Muthoot Capital Services Limited — Q1FY27 earnings call summary

Filed 20 July 2026 · Official transcript

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