| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Muthoot Fincorp Limited |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Financial Assets |
|
|
|
Cash And Cash Equivalents |
3,812.19 |
2,389.10 |
|
Bank Balance Other Than Cash And Cash Equivalents |
761.81 |
801.84 |
|
Trade Receivables |
92.84 |
291.62 |
|
Loans |
36,890.37 |
32,710.64 |
|
Investments |
800.18 |
173.27 |
|
Other Financial Assets |
570.10 |
323.60 |
|
Non-Financial Assets |
|
|
|
Current Tax Assets |
131.25 |
51.21 |
|
Deferred Tax Assets |
452.11 |
122.62 |
|
Investment Property |
250.51 |
261.19 |
|
Property, Plant And Equipment |
511.19 |
477.51 |
|
Intangible Assets Under Development |
11.03 |
6.91 |
|
Other Intangible Assets |
23.11 |
28.54 |
|
Right-Of-Use Assets |
990.42 |
979.47 |
|
Other Non-Financial Assets |
158.95 |
86.00 |
|
Total Assets |
45,456.08 |
38,703.56 |
|
Financial Liabilities |
|
|
|
Derivative Financial Liability |
21.99 |
2.40 |
|
Trade Payables |
26.78 |
29.79 |
|
Other Payables |
49.06 |
34.51 |
|
Debt Securities |
4,259.92 |
3,868.95 |
|
Borrowings (Other Than Debt Securities) |
29,438.35 |
24,672.49 |
|
Lease Liability |
1,172.43 |
1,127.87 |
|
Subordinated Liabilities |
2,359.60 |
2,141.18 |
|
Other Financial Liabilities |
1,348.00 |
860.54 |
|
Non-Financial Liabilities |
|
|
|
Provisions |
34.49 |
21.38 |
|
Deferred Tax Liabilities (Net) |
333.02 |
80.87 |
|
Other Non-Financial Liabilities |
49.70 |
52.59 |
|
Equity |
|
|
|
Equity Share Capital |
193.71 |
193.71 |
|
Other Equity |
4,797.97 |
4,154.53 |
|
Non-Controlling Interest |
1,371.07 |
1,462.79 |
|
Total Liabilities And
Equity |
45,456.08 |
38,703.57 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Income |
|
|
|
Interest Income |
7,664.00 |
5,972.71 |
|
Dividend Income |
0.22 |
0.21 |
|
Rental Income |
4.50 |
5.33 |
|
Fees And Commission Income |
375.18 |
211.59 |
|
Net Gain On Fair Value Changes |
374.31 |
295.60 |
|
Sale Of Service |
1.70 |
1.08 |
|
Others |
77.74 |
56.62 |
|
Total Revenue From
Operations |
8,497.65 |
6,543.14 |
|
Other Income |
13.79 |
11.16 |
|
Total Income |
8,511.44 |
6,554.31 |
|
Expenses |
|
|
|
Finance Costs |
3,443.02 |
2,810.97 |
|
Fees And Commission Expenses |
185.39 |
21.68 |
|
Impairment On Financial Instruments |
1,157.20 |
201.38 |
|
Employee Benefits Expenses |
1,803.08 |
1,326.29 |
|
Depreciation, Amortization And Impairment |
286.42 |
244.89 |
|
Other Expenses |
707.76 |
532.56 |
|
Total Expenses |
7,697.08 |
5,137.76 |
|
Profit/(Loss) Before Tax |
814.36 |
1,416.54 |
|
Current Tax |
291.26 |
339.74 |
|
Deferred Tax |
-81.70 |
27.44 |
|
Tax Relating To Prior Years |
-3.19 |
1.37 |
|
Profit For The Year |
607.98 |
1,047.97 |
|
Other Comprehensive Income |
|
|
|
Items That Will Not Be Reclassified To Profit Or Loss Re-Measurement Of The Defined
Benefit Liabilities |
-4.64 |
-8.08 |
|
Fair
Value Change In FVOCI Debt Securities |
0.70 |
- |
|
Net Gain / (Loss) On Equity Instruments Measured Through Other Comprehensive
Income |
-8.96 |
6.17 |
|
Cost Of
Hedging |
-0.02 |
0.08 |
|
Income Tax Relating To Items That Will Not Be Reclassified To Profit Or Loss |
2.89 |
0.46 |
|
Items That Will Be Reclassified To Profit Or Loss Re-Measurement Of Loan Assets |
92.11 |
21.88 |
|
Cash
Flow Hedging Reserve |
-42.69 |
0.02 |
|
Income Tax Relating To Items That Will Be Reclassified To Profit Or Loss |
-7.25 |
-5.51 |
|
Total Comprehensive Income |
640.11 |
1,063.00 |
|
Earnings Per Share - Basic |
36.70 |
45.68 |
|
Earnings Per Share - Diluted |
35.32 |
43.98 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Cash Flow From Operating Activities |
|
|
|
Profit Before
Tax |
814.36 |
1,416.54 |
|
Adjustments: |
|
|
|
Depreciation
On Property, Plant And Equipment |
75.57 |
69.78 |
|
Depreciation
On Right Of Use Assets |
194.21 |
166.31 |
|
Depreciation
On Intangibles |
13.57 |
8.78 |
|
Impairment
Loss Of Intangible Assets |
3.06 |
- |
|
Finance
Cost |
3,443.01 |
2,810.96 |
|
Dividend
Income |
-0.21 |
-0.21 |
|
Income From
Investment |
-41.46 |
-26.49 |
|
Unrealized
Fair Value Adjustments |
-5.96 |
-0.52 |
|
Impairment
Of Loan Assets |
606.36 |
-53.78 |
|
Provision
For Financial Guarantee Expenses |
6.20 |
- |
|
Provision For Impairment On Investments, Loan Commitments And Other Receivables |
52.51 |
3.28 |
|
Bad Debts
Written Off |
492.11 |
251.88 |
|
Impairment
On Assets Held For Sale |
0.77 |
2.95 |
|
Gain On
Sale Of Loan Assets |
-369.04 |
-295.07 |
|
Profit On
Sale Of Assets |
-7.90 |
-1.71 |
|
Net Loss On De Recognition Of Financial Instrument Under Amortized Cost Category |
114.21 |
- |
|
Adjustment
Towards Effective Interest Rate In Respect Of Borrowings |
11.25 |
-26.84 |
|
Share Based
Payments |
20.09 |
8.46 |
|
Operating Profit Before Working Capital
Changes |
5,422.73 |
4,334.33 |
|
Adjustments
For Working Capital Changes |
|
|
|
(Increase)/Decrease
In Trade Receivables |
198.78 |
-7.25 |
|
(Increase)/Decrease In Bank Balances Other Than Cash And Cash Equivalents |
-75.60 |
-33.77 |
|
(Increase)/Decrease
In Loan Assets |
-5,401.72 |
-7,315.91 |
|
(Increase)/Decrease
In Other Financial Assets |
114.04 |
96.91 |
|
(Increase)/Decrease
In Other Non-Financial Assets |
-73.71 |
165.35 |
|
Increase/(Decrease)
In Trade And Other Payables |
11.54 |
3.19 |
|
Increase/(Decrease)
In Other Financial Liabilities |
130.13 |
-18.91 |
|
Increase/(Decrease)
In Other Non-Financial Liabilities |
-2.89 |
16.94 |
|
Increase/(Decrease)
In Provisions |
8.46 |
11.66 |
|
Operating Profit Before Tax |
331.76 |
-2,747 |
|
Finance
Cost Paid |
-3,205.29 |
-2,762.26 |
|
Taxes Paid |
-368.11 |
-402.88 |
|
Net Cash Used In Operating Activities |
-3,241.64 |
5,916.59 |
|
Cash Flow From Investing Activities |
|
|
|
Sale / Redemption
Of Investments |
30.07 |
28.40 |
|
Fresh Investments
Made |
-661.07 |
-68.46 |
|
Purchase
Of Property, Plant And Equipment, Intangibles |
-126.54 |
-109.08 |
|
Sale Of
Property, Plant And Equipment & Investment Property |
19.51 |
0.14 |
|
Increase
In Fixed Deposit |
118.50 |
-193.10 |
|
Dividend
Income |
0.21 |
0.21 |
|
Income From
Investment |
41.46 |
26.49 |
|
Net Cash Used In Investing Activities |
577.83 |
-315.39 |
|
Cash Flow From Financing Activities |
|
|
|
Proceeds
From Issue Of Equity Shares By Subsidiary To Minority |
- |
760.00 |
|
Share Issue
Expenses |
- |
-54.98 |
|
Increase
In Debt Securities |
399.34 |
-589.13 |
|
Funds Borrowed |
4,735.29 |
5,721.60 |
|
Receipt
Of Subordinated Liability |
230.07 |
129.01 |
|
Payment
Of Lease Liability |
-263.66 |
233.60 |
|
Payment
Of Dividend |
-111.38 |
208.81 |
|
Proceeds
From Issue Of Equity Shares For ESOP |
0.07 |
- |
|
Proceeds
From Issue Of Preference Shares |
250.00 |
- |
|
Proceeds
From Treasury Shares |
2.83 |
2.09 |
|
Net Cash Flows From Financing Activities |
5,242.56 |
5,268.14 |
|
Net Increase
/ (Decrease) In Cash And Cash Equivalents |
1,423.08 |
-963.84 |
|
Net Cash
And Cash Equivalents At Beginning Of The Year |
2,389.10 |
3,352.94 |
|
Cash And Cash Equivalents At 31st March 2025
/ 31st March 2024 |
3,812.18 |
2,389.10 |
Summary
of Cash Flow Statement for the year 2025 and 2024:
Cash
Flow from Operating Activities
Cash flow from
operating activities shows a significant deterioration in FY2025. The company
generated negative operating cash flow of ₹3,241.64 crore, compared with positive
₹5,916.59 crore in FY2024. Although operating profit before working capital
changes increased from ₹4,334.33 crore to ₹5,422.73 crore, this was more than
offset by the ₹5,401.72 crore increase in loan assets. This indicates that
substantial cash was deployed into lending activities. Finance cost paid also
remained high at ₹3,205.29 crore. Overall, the negative operating cash flow
suggests that the core lending business absorbed considerable cash during
FY2025.
Cash
Flow from Investing Activities
Investing activities
generated net cash inflow of ₹577.83 crore in FY2025, compared with a cash
outflow of ₹315.39 crore in FY2024. The improvement was mainly due to an
increase in fixed deposits of ₹118.50 crore, investment income of ₹41.46 crore,
and sale/redemption of investments of ₹30.07 crore. However, the company made
fresh investments of ₹661.07 crore and spent ₹126.54 crore on property, plant
and equipment and intangibles. Overall, investing cash flows were positive,
providing some support to the company 's liquidity.
Cash
Flow from Financing Activities
Financing activities
remained a major source of funds, generating ₹5,242.56 crore in FY2025, broadly
similar to ₹5,268.14 crore in FY2024. The major contributor was funds borrowed
at ₹4,735.29 crore, along with ₹399.34 crore from an increase in debt
securities, ₹230.07 crore of subordinated liability, and ₹250 crore from
preference shares. At the same time, the company paid ₹263.66 crore towards
lease liabilities and ₹111.38 crore as dividend. The continued dependence on
borrowings indicates that external financing played an important role in
supporting the company 's cash requirements.
Net
Cash Position
Despite the negative
operating cash flow, the company recorded a net increase in cash and cash
equivalents of ₹1,423.08 crore in FY2025, compared with a decrease of ₹963.84
crore in FY2024. The closing cash and cash equivalents increased substantially
from ₹2,389.10 crore to ₹3,812.18 crore. This improvement was primarily
supported by financing inflows and positive investing cash flow rather than
operating activities. Therefore, the key concern is the negative operating cash
flow caused largely by increased lending/loan assets, while the positive aspect
is the stronger closing liquidity position. The company should focus on generating
stronger cash flows from operations and managing its reliance on borrowings.
