Muthoot Capital Services LimitedQ1 FY27 Results & Financial Update
Muthoot Capital Services Limited: Q1 FY27 standalone results and company financials – revenue ₹155.53 Cr, PAT ₹8.12 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore Muthoot Capital Services Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Muthoot Capital Services Limited reported standalone total income of INR 160.64 crore for the quarter ended 30 June 2026 (Q1 FY27), with revenue from operations standing at INR 155.53 crore.
Interest income formed the bulk of top-line generation at INR 148.52 crore, while other income contributed INR 5.11 crore during the period.
On the expenditure side, finance costs represented the single largest outflow at INR 77.87 crore, reflecting the cost of borrowings required to support the lending operations.
Profit before tax (PBT) for the quarter was recorded at INR 10.85 crore, after accounting for depreciation of INR 1.09 crore.
Tax expense for Q1 FY27 stood at INR 2.73 crore, resulting in a net profit after tax (PAT) of INR 8.12 crore and a basic earnings per share (EPS) of INR 4.94.
The financial results reflect the standalone performance of the company for the first quarter of fiscal 2027 without prior-quarter or year-ago comparables in the structured filing store.
During the quarter ended June 30, 2026, Muthoot Capital Services Limited recorded revenue from operations of INR 155.53 crore and total income of INR 160.64 crore on a standalone basis.
01 · Business model
What does Muthoot Capital Services do?
Muthoot Capital Services Limited operates as a non-banking financial company (NBFC) engaged primarily in retail financing and lending activities.
The company's core revenue engine is driven by interest income generated from various loan portfolios, complemented by other operating revenue streams.
Funding operations require substantial capital deployment, with finance costs forming the primary expense line item against interest earnings.
02 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹160.64 Cr |
| Interest income | ₹148.52 Cr |
| Other income | ₹5.11 Cr |
| Profit before tax | ₹10.85 Cr |
| Profit after tax | ₹8.12 Cr |
| EPS | ₹4.94 |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Generated INR 148.52 crore from lending operations during Q1 FY27.
Contributed INR 5.11 crore to the total income pool for the quarter.
Interest income from the lending book generated INR 148.52 crore during Q1 FY27, representing the primary driver of top-line revenue.
Other income contributed INR 5.11 crore, supporting the total income of INR 160.64 crore for the quarter.
NIM, spread, funding cost and credit cost
Incurred INR 77.87 crore in borrowing and interest expenses, constituting the primary operational cost.
Accounted for INR 1.09 crore in depreciation charges for the quarter.
Finance costs stood at INR 77.87 crore for Q1 FY27, forming a substantial portion of total income and directly shaping net interest margins and profitability.
Tax expenses of INR 2.73 crore were deducted from pre-tax profits of INR 10.85 crore, resulting in a net profit margin of approximately 5.22% on total income.
04 · Reported developments
What changed operationally
Reported a positive net profit after tax of INR 8.12 crore for Q1 FY27.
The company reported a positive net profit of INR 8.12 crore and a profit before tax of INR 10.85 crore for the standalone quarter ended June 30, 2026.
05 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
The company incurred finance costs of INR 77.87 crore during the quarter to service its debt and borrowings required for sustaining loan operations.
06 · Beyond the numbers
What changed beyond the numbers
Reported update
Regulatory Filing Submission
The financial results for Q1 FY27 were submitted through official exchange structured filings on 16 July 2026.
Reported update
Statutory Filing Compliance
The financial results for Q1 FY27 were filed electronically with the stock exchanges in structured XBRL format under Indian Accounting Standards (Ind AS).
07 · Key Q&A
The quarter, answered directly
What does Muthoot Capital Services do?
Muthoot Capital Services Limited operates as a non-banking financial company (NBFC) engaged primarily in retail financing and lending activities.
What is the clearest takeaway from Q1 FY27?
Muthoot Capital Services Limited reported standalone total income of INR 160.64 crore for the quarter ended 30 June 2026 (Q1 FY27), with revenue from operations standing at INR 155.53 crore.
What drove earnings or loan-book movement?
Generated INR 148.52 crore from lending operations during Q1 FY27.
What mattered most for margins, funding or credit cost?
Incurred INR 77.87 crore in borrowing and interest expenses, constituting the primary operational cost.
What changed operationally beyond the headline numbers?
The financial results for Q1 FY27 were submitted through official exchange structured filings on 16 July 2026.
What should the next disclosure help confirm?
Monitor upcoming quarterly disclosures to track sequential revenue and profitability trends.
08 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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Example: enter 10 for 10% revenue growth. Enter -100 for a 1 percentage-point margin decline.
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The calculator holds the selected margin basis constant except for the basis-point adjustment you enter. It does not estimate tax, finance cost, dilution, working capital, valuation or share price.
09 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Subsequent Financial Disclosures: Monitor upcoming quarterly disclosures to track sequential revenue and profitability trends.
- 02
Subsequent Quarterly Filings: Monitor upcoming financial disclosures for trends in interest income, cost of borrowings, and asset quality metrics in subsequent quarters of FY27.
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