Key business update: AUM Rs. 15,323 crore, up 22.0% YoY; cost of funds falls to 9.93%

Business update for the quarter ended September 30, 2026 (provisional, unaudited).

Thu 8 Oct 2026

AUM

Rs. 15,323 crore, up 22.0% YoY

Collection efficiency

98.11%

Cost of funds

9.93%, entering single digits

What was shared

The company has released a key business update for the quarter ended September 30, 2026. It covers operations and provisional numbers only, not the full financial results. The company states the figures are provisional and unaudited, subject to review by the statutory auditors and approval by the audit committee and the board.

Portfolio and growth

• Assets under Management stood at Rs. 15,323 crore as of September 30, 2026, which the company describes as a growth of 22.0% over September 30, 2025.
• Disbursements during Q2 FY27 were Rs. 2,900 Cr.
• The Small and Micro Enterprise Individual Loan portfolio increased to Rs. 4,164 crore, and the company says it continues to maintain near-zero delinquency.
• Under a referral and co-lending model with its parent, Muthoot Fincorp Limited, the company disbursed gold loans of Rs.453 Cr during the quarter, which it says strengthens its secured lending portfolio.
• The company says its joint liability group (JLG) and non-JLG loan mix continued to move towards a more diversified book.

Asset quality and funding

• Collection Efficiency stood at 98.11% in Q2 FY27, which the company reads as sustained collection discipline and continued resilience of the portfolio.
• The company's cost of funds declined to 9.93% during the quarter, which it describes as entering single-digit territory for the first time; the incremental cost of funds was also lower than in the previous quarter.
• Unavailed sanctioned credit lines amounted to Rs. 4,328 crore, and the company says its funding sources are diversified, giving it financial flexibility to support future growth.

What it means for an investor

This is an operating update, so it gives a direction of travel on loan growth, collections and borrowing costs before the audited results. The company also reports its branch network, active customer base and digital adoption, which it links to cross-selling and customer engagement.

Worth keeping in mind

• The numbers are provisional and unaudited and may change after auditor review and board approval.
• A business update does not replace the full quarterly results, which carry the profit, provisioning and capital details.

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