Promoter holding
64.27%
MU
Muthootmicrofin - Due diligence report
A 360° intelligence report on Muthootmicrofin: trust score, financial health, credit view, compliance, directors, growth and distress signal…
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Muthootmicrofin — 360° Intelligence Report
Generated from MCA filings & public records73/100
Trust Score
Moderate
Muthootmicrofin is assessed as Moderate with a Trust Score of 73/100. Muthootmicrofin is an active public limited indian non-government company incorporated in 1992, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and low financial risk profile.
Report generated on 02 Oct 2026 from the latest processed filings. Muthoot Microfin Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
73/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
64/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
75/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreModerate
50/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
45/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
95/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 50/100 Moderate
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 38%).
- Profitable - internal accruals available.
- Externally credit-rated (A).
Charges position: 110 open (13,020.56 cr) · 235 satisfied (15,108.83 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 259 | 48.0 cr |
| State Bank Of India | 7 | 48.0 cr |
| Axis Bank Limited | 10 | 48.0 cr |
| Sidbi | 5 | 48.0 cr |
| The Hongkong And Shanghai Banking Corporation Limited | 9 | 48.0 cr |
| Yes Bank Limited | 6 | 48.0 cr |
Compliance Score: 64/100 Moderate
- Company status is Active as per MCA.
- Balance sheet slightly behind (Mar 2025).
- Litigation present in 2 court forum(s).
- 3 auditor resignation(s) filed - latest: HARIBHAKTI & CO. LLP on 2021-10-26.
- 23 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 45/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| THOMAS MUTHOOT JOHN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THAI SALAS VIJAYAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ANIL SREEDHAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| JOHN TYLER DAY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMAS GEORGE MUTHOOT | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| PUSHPY B MURICKEN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SADAF SAYEED | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMAS MUTHOOT | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BHAMA KRISHNAMURTHY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ALOK PRASAD | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Hannah Muthoot | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 11 directors on the board.
- SADAF SAYEED has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 2 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2024)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2024 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
Muthoot Fincorp Limited
Subsidiaries
-
Group entities
-
Capital events
42 allotment(s) · 17 transfer(s)
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Muthoot Fincorp Limited | Holding Company | 74.00% |
Key managerial personnel: THOMAS MUTHOOT JOHN (Whole-time director) · SADAF SAYEED (CEO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 95 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Latest year revenue grew 2.1x.
Profit expanded 24% year-on-year.
Asset base grew 0.86 - capacity expansion.
Net margin improved to 61%.
EPFO headcount growing - hiring signal.
Operating for 34+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
110 open charge(s) registered - assets are encumbered.
3 auditor resignation(s) on record - review the stated reasons.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence74/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- No distress signals on file.
- Financial filings available for verification.
Banker assessment61/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 110 open charge(s) of 13,020.56 cr already registered.
- Compliance gaps should be priced into terms.
Investor view82/100
Positive growth indicators
Growth quality and scalability through an investor lens.
- 6 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events14 Jul 2026
Charge created
Idbi Bank Limited - 200.00 cr
13 Jul 2026
Charge satisfied
Others
09 Jul 2026
Charge satisfied
Others
30 Jun 2026
Director appointed
Hannah Muthoot (Additional Director)
26 Jun 2026
Charge created
Others - 150.00 cr
Charge created
Others - 60.00 cr
25 Jun 2026
Charge created
Others - 130.00 cr
18 Jun 2026
Charge created
The South Indian Bank Limited - 200.00 cr
Charge created
The Hongkong And Shanghai Banking Corporation Limited - 100.00 cr
Charge created
The Hongkong And Shanghai Banking Corporation Limited - 200.00 cr
16 Jun 2026
Charge created
Others - 100.00 cr
Charge created
Others - 56.69 cr
08 Jun 2026
Charge created
Hdfc Bank Limited - 100.00 cr
29 May 2026
Charge created
Others - 20.00 cr
26 May 2026
Charge satisfied
Others
10
Key Observations
Auto-generated from the data aboveRevenue grew 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Debt-to-equity stands at 24% - leverage worth monitoring.
Net worth is positive.
11 active director(s) / partner(s); review board churn before relying on management continuity.
23 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of A from Indiarating.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 42 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Home Credit India | U65910KA1997PTC218378 | Delhi, Delhi, India |
| Iifl Securities | L99999MH1996PLC132983 | Thane, Maharashtra, India |
| Aavas | L65922RJ2011PLC034297 | Jaipur, Rajasthan, India |
| Crisil | L67120MH1987PLC042363 | Mumbai, Maharashtra, India |
| Chaitanya Rural Intermediation And Development Services | U65923KA2012PLC062537 | Bangalore South, Karnataka, India |
| Icicihfc | U65922MH1999PLC120106 | Mumbai, Maharashtra, India |
| Policybazaar | U74999HR2014PTC053454 | Gurgaon, Haryana, India |
| Iifl Home Loans | U65993MH2006PLC166475 | Thane, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Muthootmicrofin before audits and certifications: compliance score 64/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Muthootmicrofin: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 50/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Positive growth indicators. Growth score 95/100, margin trends, ownership structure and peer set for Muthootmicrofin - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 73/100, distress signals and MSME payment-delay disclosures - know whether Muthootmicrofin pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Muthootmicrofin - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Muthootmicrofin an active company?
Muthootmicrofin has MCA status “Active” with a compliance score of 64/100 (Moderate).
Is Muthootmicrofin financially healthy?
Muthootmicrofin has a Financial Health Score of 75/100 (Low Risk) based on its filed financial statements.
Should I do business with Muthootmicrofin?
Its overall Trust Score is 73/100 (Moderate). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Muthootmicrofin?
The ultimate holding entity is Muthoot Fincorp Limited. 11 active director(s) are on record.
Does Muthootmicrofin have loans or charges against its assets?
110 open charge(s) are registered against its assets, and 235 earlier charge(s) stand satisfied.
Is Muthootmicrofin up to date with its ROC filings?
Balance sheet slightly behind (Mar 2025). Overall compliance score: 64/100 (Moderate).
Is it risky to lend to Muthootmicrofin?
Its Credit Risk Score is 50/100 (Moderate). Banker verdict: Mixed indicators - deeper appraisal suggested.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
