Promoter holding
64.27%
MM
Muthoot Money - Due diligence report
A 360° intelligence report on Muthoot Money: trust score, financial health, credit view, compliance, directors, growth and distress signals …
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Muthoot Money — 360° Intelligence Report
Generated from MCA filings & public records67/100
Trust Score
Moderate
Muthoot Money is assessed as Moderate with a Trust Score of 67/100. Muthoot Money is an active public limited indian non-government company incorporated in 1994, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and high financial risk profile.
Report generated on 22 Sep 2026 from the latest processed filings. Muthoot Money 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
67/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
70/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
35/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
90/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
75/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
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: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Externally credit-rated (AA).
Charges position: 39 open (1,701.85 cr) · 4 satisfied (69.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 33 | 48.0 cr |
| Canara Bank | 1 | 48.0 cr |
| State Bank Of India | 1 | 48.0 cr |
| Axis Bank Limited | 2 | 48.0 cr |
| The South Indian Bank Limited | 2 | 48.0 cr |
| Dhanlaxmi Bank Limited | 1 | 48.0 cr |
Compliance Score: 70/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 3 court forum(s).
- 1 auditor resignation(s) filed - latest: P.Z.CHACKOS & CO. on 2018-06-15.
- 15 active GST registration(s).
Legal cases on record (3)
05
Director Intelligence
Stability score: 90/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| SUSAN THOMAS | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Kaippully Sreedharan Sreenath | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Vishnu Konnothumana Narayanan | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| CHAMACHERIL MOHAN ABRAHAM | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KUTTICKATTU RAJAPPAN BIJIMON | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| THOMAS JOHN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GEORGE JACOB MUTHOOT | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| EAPEN ALEXANDER | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| GEORGE MUTHOOT JACOB | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Veerabhadra Pillai Murali | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- No disqualified or deactivated DINs.
- 2 director exit(s) in the last 3 years.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2023)
| 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 2023 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 Finance Limited
Subsidiaries
-
Group entities
-
Capital events
-
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Muthoot Finance Limited | Holding Company | 74.00% |
Key managerial personnel: Kaippully Sreedharan Sreenath (CFO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 75 · Distress 60
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
EPFO headcount growing - hiring signal.
Operating for 31+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
39 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
3 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence66/100
Review suggested
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment44/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 39 open charge(s) of 1,701.85 cr already registered.
- Compliance record supports lending.
Investor view59/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 2 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events21 Nov 2025
Charge created
The South Indian Bank Limited - 5.00 cr
10 Nov 2025
Charge created
Canara Bank - 150.00 cr
29 Sep 2025
Charge created
Others - 100.00 cr
16 Sep 2025
Charge created
Others - 10.00 cr
29 Aug 2025
Charge created
Others - 50.00 cr
28 Aug 2025
Charge created
Others - 100.00 cr
Last AGM held
Annual general meeting
08 Aug 2025
Charge created
Others - 19.50 cr
02 Aug 2025
Charge created
Others - 40.00 cr
30 Jun 2025
Charge created
Others - 100.00 cr
28 Jun 2025
Charge created
Others - 6.00 cr
27 Jun 2025
Charge created
Others - 77.25 cr
Charge created
Others - 90.00 cr
26 Jun 2025
Charge created
Dhanlaxmi Bank Limited - 50.00 cr
Charge created
The South Indian Bank Limited - 50.00 cr
10
Key Observations
Auto-generated from the data aboveRevenue grew 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - leverage worth monitoring.
Net worth is positive.
10 active director(s) / partner(s); board looks stable and experienced.
15 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of AA from Crisil.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
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12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Muthoot Money before audits and certifications: compliance score 70/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Muthoot Money: 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: Enhanced diligence advised. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 75/100, margin trends, ownership structure and peer set for Muthoot Money - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 67/100, distress signals and MSME payment-delay disclosures - know whether Muthoot Money pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (3 case(s) on record), regulatory flags, charge documents trail and director networks for Muthoot Money - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Muthoot Money an active company?
Muthoot Money has MCA status “Active” with a compliance score of 70/100 (Moderate).
Is Muthoot Money financially healthy?
Muthoot Money has a Financial Health Score of 35/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Muthoot Money?
Its overall Trust Score is 67/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Muthoot Money?
The ultimate holding entity is Muthoot Finance Limited. 10 active director(s) are on record.
Does Muthoot Money have loans or charges against its assets?
39 open charge(s) are registered against its assets, and 4 earlier charge(s) stand satisfied.
Is Muthoot Money up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 70/100 (Moderate).
Is it risky to lend to Muthoot Money?
Its Credit Risk Score is 35/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.
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.
