MUTHOOT MICROFIN LIMITED

During the earnings conference call for the quarter ended June 30, 2026, management reported a significant turnaround in Muthoot Microfin Limited's performance, highlighting a record disbursement of INR 2,644 crores, a 49% increase year-on-year. The company achieved an asset quality improvement, with on-time collections at nearly 98% and minimal delinquency rates. Management emphasized a strategic focus on high-quality customers, with 65% of the loan book consisting of recent disbursements. The cost of funds decreased from 10.27% to 10.13%, and management guided toward a goal of achieving single-digit costs by the end of the financial year. The company also introduced new products, including consumer durable loans, and reported a year-on-year earnings increase of 20%. Overall, management expressed confidence in sustaining growth and improving profitability metrics, including ROA and ROE, while navigating macroeconomic conditions.

Management emphasized strong performance and growth potential.