Muthoot Capital Services earnings calls.
Other · 3 quarters tracked · source-linked performance, management guidance and promise context.
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What changed this quarter?
Muthoot Capital Services reported Q3 FY26 disbursements of ₹626 crore, taking total AUM to ₹3,399 crore, though this represents only 3% QoQ growth despite favorable industry conditions. The strategic shift away from co-lending (down 26% YoY to ₹685 crore) toward self-sourcing (MCSL portfolio up 42% YoY to ₹2,771 crore) impacted overall disbursement volumes. Asset quality improved sequentially with slippage declining from 0.91% in Q1 to 0.65% in Q3, though GNPA remains elevated at 6.45%. The company took a ₹14.09 crore write-off and reduced PCR from 60% to 50%, releasing overlay provisions that supported profitability. Management maintained its 10,000 crore AUM target for 2028 and guided for 4,000 crore incremental disbursements next fiscal year, with expectation of 2% ROA on incremental book. Key risks include elevated impairment costs (₹54.59 crore for 9M), persistent NPA challenges particularly in North India operations, and execution risk on new product scale-up.
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