Muthoot Finance Q2 FY27 consolidated income Rs 10,010.80 cr, PAT Rs 3,278.00 cr

• Basis & period: Consolidated statement of financial results, quarter ended Q2 FY 2027 (three months to 30 September 2026), compared with Q2 FY 2026 (three months to 30 September 2025), as presented in the consolidated financial results section of the investor presentation.

• Total income ("Total Income"): Rs 10,010.80 cr in Q2 FY 2027 vs Rs 7,299.00 cr in Q2 FY 2026.

• Interest income ("Interest Income"): Rs 9,855.80 cr in Q2 FY 2027 vs Rs 7,091.30 cr in Q2 FY 2026.

• Service charges ("Service Charges"): Rs 95.80 cr in Q2 FY 2027 vs Rs 92.70 cr in Q2 FY 2026.

• Sale of services ("Sale of Services"): Rs 1.50 cr in Q2 FY 2027 vs Rs 6.60 cr in Q2 FY 2026.

• Other income ("Other Income"): Rs - Mn in Q2 FY 2027 vs Rs 16.80 cr in Q2 FY 2026.

• Income other than above ("Income other than above"): Rs 57.70 cr in Q2 FY 2027 vs Rs 91.60 cr in Q2 FY 2026.

• Total expenses ("Total Expenses"): Rs 5,611.70 cr in Q2 FY 2027 vs Rs 4,054.80 cr in Q2 FY 2026.

• Finance cost ("Finance Cost"): Rs 3,716.60 cr in Q2 FY 2027 vs Rs 2,571.20 cr in Q2 FY 2026.

• Impairment of financial instruments ("Impairment of Financial Instruments"): Rs 593.30 cr in Q2 FY 2027 vs Rs 261.80 cr in Q2 FY 2026.

• Employee benefit expenses ("Employee Benefit Expenses"): Rs 760.90 cr in Q2 FY 2027 vs Rs 681.20 cr in Q2 FY 2026.

• Depreciation, amortization and impairment ("Depreciation, Amortization and Impairment"): Rs 38.20 cr in Q2 FY 2027 vs Rs 37.60 cr in Q2 FY 2026.

• Other expenses ("Other Expenses"): Rs 502.70 cr in Q2 FY 2027 vs Rs 503.00 cr in Q2 FY 2026.

• Profit before tax ("Profit Before Tax"): Rs 4,399.00 cr in Q2 FY 2027 vs Rs 3,244.20 cr in Q2 FY 2026.

• Tax expense ("Tax Expense"): Rs 1,121.00 cr in Q2 FY 2027 vs Rs 832.50 cr in Q2 FY 2026.

• Profit after tax ("Profit After Tax"): Rs 3,278.00 cr in Q2 FY 2027 vs Rs 2,411.70 cr in Q2 FY 2026.

• Earnings per share – basic ("Earnings per Share – Basic (₹)"): Rs 80.87 in Q2 FY 2027 vs Rs 60.30 in Q2 FY 2026.

• Earnings per share – diluted ("Earnings per Share – Diluted (₹)"): Rs 80.87 in Q2 FY 2027 vs Rs 60.30 in Q2 FY 2026.

In the consolidated statement of financial results, total income for Q2 FY 2027 is higher than the corresponding quarter a year earlier, driven mainly by an increase in interest income from Rs 7,091.30 cr to Rs 9,855.80 cr. Service charges also rose slightly, while sale of services and income other than the main lines were lower year-on-year. Other income is shown as Rs - Mn for Q2 FY 2027, compared with Rs 16.80 cr in Q2 FY 2026.

On the cost side, finance cost increased from Rs 2,571.20 cr in Q2 FY 2026 to Rs 3,716.60 cr in Q2 FY 2027, and impairment of financial instruments rose from Rs 261.80 cr to Rs 593.30 cr over the same period. Employee benefit expenses and depreciation, amortization and impairment were modestly higher, while other expenses were broadly similar year-on-year.

The combination of higher total income and higher expenses resulted in profit before tax of Rs 4,399.00 cr in Q2 FY 2027, up from Rs 3,244.20 cr in Q2 FY 2026. After a tax expense of Rs 1,121.00 cr (vs Rs 832.50 cr a year earlier), profit after tax for the quarter was Rs 3,278.00 cr, compared with Rs 2,411.70 cr in the corresponding prior period. Basic and diluted earnings per share moved in line with profit after tax, increasing from Rs 60.30 in Q2 FY 2026 to Rs 80.87 in Q2 FY 2027, as reported in the statement of financial results.