Provisional Asset Liability Management statement for the month ended September 30, 2026
Muthoot Microfin has shared its provisional Asset Liability Management (ALM) statement for the month ended September 30, 2026.
By ScoutQuest · · 2 min read
- Total Outflows
- ₹14,41,899.49 lakh
- Borrowings
- ₹10,68,755.66 lakh
- Gross NPAs
- ₹38,000.70 lakh
What has been shared
Muthoot Microfin has submitted its provisional Asset Liability Management (ALM) statement for the month ended September 30, 2026. It is a readiness map: it shows when the company expects money to come in (inflows) and when it expects money to go out (outflows), sorted into time buckets from 0-7 days to over 5 years.
All amounts in the statement are reported in ₹ lakhs.
Size of the items shown
- Total outflows reported: ₹14,41,899.49 lakh
- Total inflows reported: ₹14,41,899.49 lakh
- Borrowings: ₹10,68,755.66 lakh, of which bank borrowings are ₹8,69,610.61 lakh
- Advances (performing): ₹10,42,663.41 lakh
- Balances with banks: ₹1,96,005.70 lakh
- Non-convertible debentures: ₹1,17,355.50 lakh; commercial papers: ₹3,391.00 lakh
- Gross non-performing loans: ₹38,000.70 lakh, in the sub-standard category
How the money is spread across time
- The 0-7 day bucket holds the largest bank balance: balances with banks of ₹1,49,411.60 lakh, of which the current account is ₹1,40,410.60 lakh.
- Mismatch (inflows minus outflows) as a percentage of total outflows is 1913.96% in the 0-7 day bucket and turns negative at -16.92% in the 3-6 month bucket.
- Cumulative mismatch as a percentage of cumulative total outflows starts at 1416.29% for 8-14 days and eases to 19.92% in the 6 month to 1 year bucket.
- At the total level, the mismatch line comes to 0.00, with total inflows and total outflows both at ₹14,41,899.49 lakh.
Rate profile of borrowings
In the interest rate sensitivity table, term money bank borrowings are split between fixed rate, ₹23,395.81 lakh, and floating rate, ₹4,88,177.43 lakh.
Points to note
- The statement is described as provisional and covers the month ended September 30, 2026.
- It is a structural liquidity and interest rate sensitivity disclosure showing the maturity profile of amounts payable and receivable, not profit or loss.
Also from Muthoot Microfin
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24 Oct 2026
Board meeting on November 05, 2026 to consider September quarter results
23 Oct 2026
Key business update: AUM Rs. 15,323 crore, up 22.0% YoY; cost of funds falls to 9.93%
8 Oct 2026
More numbers
- Total outflows (Sum of 1 to 13), reported in ₹ lakhs14,41,899.49
- Borrowings (total), reported in ₹ lakhs10,68,755.66
- Bank borrowings, reported in ₹ lakhs8,69,610.61
- Balances with banks, reported in ₹ lakhs1,96,005.70
- Non-Convertible Debentures (NCDs), reported in ₹ lakhs1,17,355.50
- Advances (Performing), reported in ₹ lakhs10,42,663.41
- Gross Non-Performing Loans (GNPA), reported in ₹ lakhs38,000.70
- Mismatch as % of Total Outflows, 0-7 day bucket1913.96%
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