Mumbai: Muthoot Microfin Ltd on Monday said its individual loan portfolio has crossed the ₹1,000 crore mark in assets under management (AUM), while its overall AUM has surpassed ₹13,000 crore, underscoring the NBFC-MFI’s steady expansion beyond its core microfinance business.
The company said the milestone reflects progress in building a more diversified and resilient lending portfolio, even as microfinance continues to remain the foundation of its operations. Growth in the individual loan segment has been driven by disciplined underwriting, focused execution at the branch level and sustained emphasis on portfolio quality, it said.
As of September 30, 2025, Muthoot Microfin served 3.36 million active customers through a network of 1,718 branches across 21 states and Union Territories and 392 districts, with a strong presence in rural and semi-urban markets. The company said improving disbursement momentum, strong customer engagement and consistent collection efficiency have supported stable operating performance.
Chairman Thomas Muthoot said the calibrated expansion into individual lending is aimed at creating a balanced portfolio while maintaining a focus on responsible growth and governance. Chief executive Sadaf Sayeed added that the scale-up of the individual loan book has been supported by disciplined credit assessment and robust collection processes, helping maintain healthy performance as the portfolio grows.
The company said it remains focused on empowering women entrepreneurs through access to affordable and responsible credit, while selectively expanding into adjacent lending segments to support long-term growth. Muthoot Microfin continues to invest in risk management, operational efficiency and digital capabilities as it seeks to strengthen portfolio resilience and enhance customer experience.