Earn up to 13.50% p.a
Established brand & experience: Over 60 years in gold loan business under the “Mini Muthoottu” brand.
Healthy scale: Loan portfolio of ₹4,141.6 Cr with 948 branches across 12 states/UTs (Mar-25).
Asset quality strong: GNPA 0.85% & NNPA 0.5% (Mar-25) vs 0.88% & 0.72% (Mar-24).
Secured portfolio: Focus on loans secured by gold ensures liquidity and collateral-backed lending. 92% portfolio is gold loan backed.
Earnings improving: Total income ₹815 Cr (FY25) vs ₹672 Cr (FY24); PAT ₹94 Cr (FY25) vs ₹78 Cr (FY24); RoMA improved to 2.0%.
Diversification in ticket size: 96% of gold loans are <₹3 lakh, aiding yields and margin stability.
Adequate liquidity: ₹234 Cr cash (Jun-25) vs upcoming obligations of ₹864 Cr (Jul–Sep 25), supported by ₹700 Cr average monthly collections.
Adequate Capitalization: Capital Adequacy Ratio (CAR) at 21.38% (Tier-I CAR at 16.14%) as of March 31, 2025.
Consistent and sustainable Loan growth over the years: AUM grew ~18% CAGR in 3 years to ₹4,100 Cr (Mar-25)
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